Capitol Federal Savings
HMDA Loan Application Totals
and Mortgage Lending Details
for 2008
Capitol Federal Savings 2008 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Capitol Federal Savings 700 S. Kansas Ave Topeka, KS 66601 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 6,657 |
| Total Mortgage Loan Application Amount | $1,262,909,000 |
| Average Mortgage Loan Application Amount | $148,666 |
| Highest Mortgage Loan Application Amount | $5,965,000 |
| Average Applicant Income | $88,666 |
| Highest Applicant Income | $2,313,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2008 with Capitol Federal Savings. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Capitol Federal Savings's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2008 breaks down Capitol Federal Savings's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Capitol Federal Savings serves its applicants.
Each category highlights the total number of mortgage applications processed by Capitol Federal Savings, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Capitol Federal Savings's mortgage activity for 2008.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Johnson County Kansas | 1,724 | $ 389,134,000 | $ 225,000 | $ 124,000 |
| Sedgwick County Kansas | 1,492 | $ 219,751,000 | $ 147,000 | $ 93,000 |
| Shawnee County Kansas | 613 | $ 69,233,000 | $ 112,000 | $ 82,000 |
| Jackson County Missouri | 373 | $ 70,203,000 | $ 188,000 | $ 104,000 |
| Douglas County Kansas | 286 | $ 48,075,000 | $ 168,000 | $ 101,000 |
| Butler County Kansas | 136 | $ 24,759,000 | $ 182,000 | $ 100,000 |
| Clay County Missouri | 134 | $ 23,879,000 | $ 178,000 | $ 104,000 |
| Riley County Kansas | 108 | $ 16,305,000 | $ 150,000 | $ 93,000 |
| Wyandotte County Kansas | 107 | $ 10,912,000 | $ 101,000 | $ 75,000 |
| Platte County Missouri | 100 | $ 26,593,000 | $ 265,000 | $ 145,000 |
| St. Louis County Missouri | 70 | $ 29,028,000 | $ 414,000 | $ 178,000 |
| Greene County Missouri | 68 | $ 20,058,000 | $ 294,000 | $ 209,000 |
| Cass County Missouri | 53 | $ 14,021,000 | $ 264,000 | $ 124,000 |
| Pottawatomie County Kansas | 50 | $ 7,497,000 | $ 149,000 | $ 71,000 |
| Saline County Kansas | 50 | $ 4,976,000 | $ 99,000 | $ 65,000 |
| Leavenworth County Kansas | 43 | $ 7,554,000 | $ 175,000 | $ 91,000 |
| Lyon County Kansas | 42 | $ 3,667,000 | $ 87,000 | $ 73,000 |
| Miami County Kansas | 35 | $ 6,521,000 | $ 186,000 | $ 118,000 |
| St. Charles County Missouri | 32 | $ 9,468,000 | $ 295,000 | $ 132,000 |
| Jefferson County Kansas | 23 | $ 2,589,000 | $ 112,000 | $ 103,000 |
| Westchester County New York | 22 | $ 10,193,000 | $ 463,000 | $ 0 |
| Fairfield County Connecticut | 21 | $ 11,999,000 | $ 571,000 | $ 0 |
| Cook County Illinois | 20 | $ 11,404,000 | $ 570,000 | $ 0 |
| Harvey County Kansas | 18 | $ 2,511,000 | $ 139,000 | $ 88,000 |
| Boone County Missouri | 17 | $ 2,785,000 | $ 163,000 | $ 81,000 |
| Osage County Kansas | 15 | $ 1,240,000 | $ 82,000 | $ 60,000 |
| Jackson County Kansas | 14 | $ 1,336,000 | $ 95,000 | $ 76,000 |
| Christian County Missouri | 14 | $ 3,230,000 | $ 230,000 | $ 133,000 |
| King County Washington | 11 | $ 5,160,000 | $ 469,000 | $ 0 |
| Reno County Kansas | 10 | $ 809,000 | $ 80,000 | $ 69,000 |
| Montgomery County Maryland | 10 | $ 4,862,000 | $ 486,000 | $ 0 |
| Dallas County Texas | 10 | $ 5,332,000 | $ 533,000 | $ 0 |
| Wabaunsee County Kansas | 9 | $ 667,000 | $ 74,000 | $ 69,000 |
| Geary County Kansas | 8 | $ 802,000 | $ 100,000 | $ 59,000 |
| Harris County Texas | 8 | $ 3,910,000 | $ 488,000 | $ 0 |
| Franklin County Kansas | 7 | $ 978,000 | $ 139,000 | $ 73,000 |
| Nassau County New York | 7 | $ 4,483,000 | $ 640,000 | $ 0 |
| Bergen County New Jersey | 6 | $ 3,049,000 | $ 508,000 | $ 0 |
| Lake County Illinois | 5 | $ 3,215,000 | $ 643,000 | $ 0 |
| Sumner County Kansas | 5 | $ 567,000 | $ 113,000 | $ 60,000 |
| Camden County Missouri | 5 | $ 763,000 | $ 152,000 | $ 212,000 |
| St. Louis City County Missouri | 5 | $ 1,846,000 | $ 369,000 | $ 164,000 |
| Mecklenburg County North Carolina | 5 | $ 2,688,000 | $ 537,000 | $ 0 |
| Montgomery County Texas | 5 | $ 2,738,000 | $ 547,000 | $ 0 |
| DuPage County Illinois | 4 | $ 1,912,000 | $ 478,000 | $ 0 |
| Kingman County Kansas | 4 | $ 314,000 | $ 78,000 | $ 60,000 |
| Morgan County Missouri | 4 | $ 900,000 | $ 225,000 | $ 161,000 |
| Union County New Jersey | 4 | $ 1,128,000 | $ 282,000 | $ 0 |
| Coffey County Kansas | 3 | $ 322,000 | $ 107,000 | $ 60,000 |
| McPherson County Kansas | 3 | $ 269,000 | $ 89,000 | $ 101,000 |
| Anne Arundel County Maryland | 3 | $ 981,000 | $ 327,000 | $ 0 |
| Franklin County Missouri | 3 | $ 1,105,000 | $ 368,000 | $ 171,000 |
| Jefferson County Missouri | 3 | $ 775,000 | $ 258,000 | $ 116,000 |
| Essex County New Jersey | 3 | $ 1,824,000 | $ 608,000 | $ 0 |
| Monmouth County New Jersey | 3 | $ 2,033,000 | $ 677,000 | $ 0 |
| Morris County New Jersey | 3 | $ 1,343,000 | $ 447,000 | $ 0 |
| Rockland County New York | 3 | $ 1,375,000 | $ 458,000 | $ 0 |
| Suffolk County New York | 3 | $ 1,031,000 | $ 343,000 | $ 0 |
| Wake County North Carolina | 3 | $ 1,137,000 | $ 379,000 | $ 0 |
| Bexar County Texas | 3 | $ 1,916,000 | $ 638,000 | $ 0 |
| Boulder County Colorado | 2 | $ 1,131,000 | $ 565,000 | $ 0 |
| Douglas County Colorado | 2 | $ 346,000 | $ 173,000 | $ 0 |
| Summit County Colorado | 2 | $ 776,000 | $ 388,000 | $ 0 |
| Lafayette County Missouri | 2 | $ 765,000 | $ 382,000 | $ 58,000 |
| Mercer County New Jersey | 2 | $ 454,000 | $ 227,000 | $ 0 |
| Ocean County New Jersey | 2 | $ 1,001,000 | $ 500,000 | $ 0 |
| Somerset County New Jersey | 2 | $ 968,000 | $ 484,000 | $ 0 |
| Santa Fe County New Mexico | 2 | $ 979,000 | $ 489,000 | $ 0 |
| Clackamas County Oregon | 2 | $ 689,000 | $ 344,000 | $ 0 |
| Delaware County Pennsylvania | 2 | $ 1,229,000 | $ 614,000 | $ 0 |
| Montgomery County Pennsylvania | 2 | $ 1,193,000 | $ 596,000 | $ 0 |
| Travis County Texas | 2 | $ 992,000 | $ 496,000 | $ 0 |
| Summit County Utah | 2 | $ 694,000 | $ 347,000 | $ 0 |
| Pierce County Washington | 2 | $ 598,000 | $ 299,000 | $ 0 |
| Jefferson County Alabama | 1 | $ 882,000 | $ 882,000 | $ 0 |
| Pulaski County Arkansas | 1 | $ 252,000 | $ 252,000 | $ 0 |
| Adams County Colorado | 1 | $ 482,000 | $ 482,000 | $ 0 |
| Arapahoe County Colorado | 1 | $ 423,000 | $ 423,000 | $ 0 |
| Denver County Colorado | 1 | $ 602,000 | $ 602,000 | $ 0 |
| Jefferson County Colorado | 1 | $ 653,000 | $ 653,000 | $ 0 |
| Mesa County Colorado | 1 | $ 5,965,000 | $ 5,965,000 | $ 0 |
| San Miguel County Colorado | 1 | $ 334,000 | $ 334,000 | $ 0 |
| Litchfield County Connecticut | 1 | $ 390,000 | $ 390,000 | $ 0 |
| New London County Connecticut | 1 | $ 192,000 | $ 192,000 | $ 0 |
| New Castle County Delaware | 1 | $ 426,000 | $ 426,000 | $ 0 |
| Blaine County Idaho | 1 | $ 650,000 | $ 650,000 | $ 0 |
| Macon County Illinois | 1 | $ 457,000 | $ 457,000 | $ 0 |
| Will County Illinois | 1 | $ 744,000 | $ 744,000 | $ 0 |
| Johnson County Indiana | 1 | $ 273,000 | $ 273,000 | $ 0 |
| Polk County Iowa | 1 | $ 415,000 | $ 415,000 | $ 0 |
| Story County Iowa | 1 | $ 1,800,000 | $ 1,800,000 | $ 0 |
| Chase County Kansas | 1 | $ 22,000 | $ 22,000 | $ 85,000 |
| Cowley County Kansas | 1 | $ 44,000 | $ 44,000 | $ 31,000 |
| Marshall County Kansas | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Ottawa County Kansas | 1 | $ 45,000 | $ 45,000 | $ 68,000 |
| Cumberland County Maine | 1 | $ 110,000 | $ 110,000 | $ 0 |
| York County Maine | 1 | $ 223,000 | $ 223,000 | $ 0 |
| Howard County Maryland | 1 | $ 829,000 | $ 829,000 | $ 0 |
| Prince George's County Maryland | 1 | $ 208,000 | $ 208,000 | $ 0 |
| Talbot County Maryland | 1 | $ 450,000 | $ 450,000 | $ 0 |
| Washington County Maryland | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Carver County Minnesota | 1 | $ 655,000 | $ 655,000 | $ 0 |
| Dakota County Minnesota | 1 | $ 385,000 | $ 385,000 | $ 0 |
| Hennepin County Minnesota | 1 | $ 903,000 | $ 903,000 | $ 0 |
| Washington County Minnesota | 1 | $ 656,000 | $ 656,000 | $ 0 |
| Wright County Minnesota | 1 | $ 553,000 | $ 553,000 | $ 0 |
| Barry County Missouri | 1 | $ 84,000 | $ 84,000 | $ 43,000 |
| Bates County Missouri | 1 | $ 133,000 | $ 133,000 | $ 28,000 |
| Callaway County Missouri | 1 | $ 83,000 | $ 83,000 | $ 45,000 |
| Daviess County Missouri | 1 | $ 350,000 | $ 350,000 | $ 1,628,000 |
| Hickory County Missouri | 1 | $ 50,000 | $ 50,000 | $ 46,000 |
| Johnson County Missouri | 1 | $ 708,000 | $ 708,000 | $ 675,000 |
| Lincoln County Missouri | 1 | $ 287,000 | $ 287,000 | $ 105,000 |
| Ray County Missouri | 1 | $ 78,000 | $ 78,000 | $ 60,000 |
| Stone County Missouri | 1 | $ 500,000 | $ 500,000 | $ 534,000 |
| Taney County Missouri | 1 | $ 400,000 | $ 400,000 | $ 229,000 |
| Webster County Missouri | 1 | $ 138,000 | $ 138,000 | $ 113,000 |
| Cape May County New Jersey | 1 | $ 417,000 | $ 417,000 | $ 0 |
| Middlesex County New Jersey | 1 | $ 243,000 | $ 243,000 | $ 0 |
| Columbia County New York | 1 | $ 611,000 | $ 611,000 | $ 0 |
| Putnam County New York | 1 | $ 560,000 | $ 560,000 | $ 0 |
| Queens County New York | 1 | $ 66,000 | $ 66,000 | $ 0 |
| Cabarrus County North Carolina | 1 | $ 942,000 | $ 942,000 | $ 0 |
| Chatham County North Carolina | 1 | $ 476,000 | $ 476,000 | $ 0 |
| Durham County North Carolina | 1 | $ 400,000 | $ 400,000 | $ 0 |
| Forsyth County North Carolina | 1 | $ 530,000 | $ 530,000 | $ 0 |
| Henderson County North Carolina | 1 | $ 152,000 | $ 152,000 | $ 0 |
| Clatsop County Oregon | 1 | $ 603,000 | $ 603,000 | $ 0 |
| Marion County Oregon | 1 | $ 471,000 | $ 471,000 | $ 0 |
| Multnomah County Oregon | 1 | $ 912,000 | $ 912,000 | $ 0 |
| Bucks County Pennsylvania | 1 | $ 740,000 | $ 740,000 | $ 0 |
| Chester County Pennsylvania | 1 | $ 411,000 | $ 411,000 | $ 0 |
| Kent County Rhode Island | 1 | $ 639,000 | $ 639,000 | $ 0 |
| Shelby County Tennessee | 1 | $ 267,000 | $ 267,000 | $ 0 |
| Williamson County Tennessee | 1 | $ 395,000 | $ 395,000 | $ 0 |
| Collin County Texas | 1 | $ 525,000 | $ 525,000 | $ 0 |
| Tarrant County Texas | 1 | $ 895,000 | $ 895,000 | $ 0 |
| Salt Lake County Utah | 1 | $ 418,000 | $ 418,000 | $ 0 |
| Utah County Utah | 1 | $ 645,000 | $ 645,000 | $ 0 |
| Douglas County Washington | 1 | $ 181,000 | $ 181,000 | $ 156,000 |
| Dane County Wisconsin | 1 | $ 444,000 | $ 444,000 | $ 0 |
| Eau Claire County Wisconsin | 1 | $ 17,000 | $ 17,000 | $ 0 |
| Jefferson County Wisconsin | 1 | $ 993,000 | $ 993,000 | $ 0 |
| Ozaukee County Wisconsin | 1 | $ 363,000 | $ 363,000 | $ 0 |
| Waukesha County Wisconsin | 1 | $ 336,000 | $ 336,000 | $ 0 |
| Teton County Wyoming | 1 | $ 558,000 | $ 558,000 | $ 0 |
Mortgage Loan Application Detail Totals for Capitol Federal Savings in 2008
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 3,796 | $729,072,000 | $192,000 | $1,500,000 | $97,000 | $2,226,000 |
| Refinancing | 2,630 | $520,846,000 | $198,000 | $5,965,000 | $101,000 | $2,313,000 |
| Home Improvement | 231 | $12,991,000 | $56,000 | $1,100,000 | $68,000 | $518,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 5,284 | $954,869,000 | $180,000 | $1,500,000 | $103,000 | $1,628,000 |
| Not Provided | 446 | $78,884,000 | $176,000 | $1,085,000 | $107,000 | $1,043,000 |
| Not applicable | 260 | $137,151,000 | $527,000 | $5,965,000 | $17,000 | $2,226,000 |
| Hispanic | 221 | $26,536,000 | $120,000 | $857,000 | $61,000 | $405,000 |
| Asian | 204 | $37,506,000 | $183,000 | $750,000 | $103,000 | $733,000 |
| Black or African American | 191 | $20,225,000 | $105,000 | $534,000 | $64,000 | $2,313,000 |
| American Indian or Alaskan Native | 36 | $5,216,000 | $144,000 | $770,000 | $84,000 | $288,000 |
| Native Hawaiian or Other Pacific Islander | 15 | $2,522,000 | $168,000 | $586,000 | $104,000 | $441,000 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 6,657 | $1,262,909,000 | $189,000 | $5,965,000 | $97,000 | $2,313,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 4,612 | $840,588,000 | $182,000 | $5,965,000 | $108,000 | $2,226,000 |
| Preapproval Denied by Financial Institution | 665 | $94,589,000 | $142,000 | $773,000 | $58,000 | $511,000 |
| Application Denied By Financial Institution | 539 | $98,718,000 | $183,000 | $1,500,000 | $86,000 | $1,145,000 |
| Application Approved But Not Accepted | 266 | $47,901,000 | $180,000 | $980,000 | $103,000 | $528,000 |
| Application Withdrawn By Applicant | 261 | $43,340,000 | $166,000 | $1,500,000 | $103,000 | $962,000 |
| Loan Purchased By The Institution | 249 | $126,098,000 | $506,000 | $997,000 | $0 | $0 |
| File Closed For Incompleteness | 65 | $11,675,000 | $179,000 | $850,000 | $124,000 | $2,313,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 551 | $94,717,000 | $171,000 | $875,000 | $58,000 | $1,145,000 |
| Credit History | 355 | $42,606,000 | $120,000 | $589,000 | $63,000 | $410,000 |
| Collateral | 122 | $21,812,000 | $178,000 | $700,000 | $107,000 | $601,000 |
| Other | 119 | $23,150,000 | $194,000 | $1,500,000 | $103,000 | $634,000 |
| Employment History | 22 | $2,542,000 | $115,000 | $200,000 | $59,000 | $247,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 14 | $4,026,000 | $287,000 | $773,000 | $122,000 | $343,000 |
| Mortgage Insurance Denied | 12 | $2,674,000 | $222,000 | $630,000 | $107,000 | $217,000 |
| Unverifiable Information | 9 | $1,780,000 | $197,000 | $507,000 | $90,000 | $185,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Capitol Federal Savings's 2008 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Capitol Federal Savings's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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with aggregated HMDA statistics today.