Capitol Federal Savings
HMDA Loan Application Totals
and Mortgage Lending Details
for 2009
Capitol Federal Savings 2009 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 | 9,464 |
| Total Mortgage Loan Application Amount | $1,778,142,000 |
| Average Mortgage Loan Application Amount | $141,333 |
| Highest Mortgage Loan Application Amount | $1,600,000 |
| Average Applicant Income | $97,666 |
| Highest Applicant Income | $7,005,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2009 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 2009 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 2009.
| 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 | 3,020 | $ 671,803,000 | $ 222,000 | $ 140,000 |
| Sedgwick County Kansas | 1,992 | $ 286,488,000 | $ 143,000 | $ 92,000 |
| Shawnee County Kansas | 797 | $ 94,875,000 | $ 119,000 | $ 84,000 |
| Jackson County Missouri | 525 | $ 102,955,000 | $ 196,000 | $ 128,000 |
| Douglas County Kansas | 424 | $ 75,827,000 | $ 178,000 | $ 104,000 |
| Clay County Missouri | 206 | $ 41,392,000 | $ 200,000 | $ 124,000 |
| Butler County Kansas | 171 | $ 31,497,000 | $ 184,000 | $ 112,000 |
| Riley County Kansas | 165 | $ 25,951,000 | $ 157,000 | $ 100,000 |
| Platte County Missouri | 138 | $ 43,564,000 | $ 315,000 | $ 177,000 |
| Wyandotte County Kansas | 129 | $ 15,333,000 | $ 118,000 | $ 112,000 |
| Greene County Missouri | 74 | $ 19,889,000 | $ 268,000 | $ 197,000 |
| Miami County Kansas | 71 | $ 15,936,000 | $ 224,000 | $ 134,000 |
| Pottawatomie County Kansas | 71 | $ 9,879,000 | $ 139,000 | $ 83,000 |
| Lyon County Kansas | 66 | $ 5,804,000 | $ 87,000 | $ 65,000 |
| Saline County Kansas | 63 | $ 6,081,000 | $ 96,000 | $ 62,000 |
| St. Louis County Missouri | 59 | $ 28,011,000 | $ 474,000 | $ 246,000 |
| Leavenworth County Kansas | 57 | $ 10,020,000 | $ 175,000 | $ 104,000 |
| Cass County Missouri | 55 | $ 15,122,000 | $ 274,000 | $ 172,000 |
| Fairfield County Connecticut | 27 | $ 13,975,000 | $ 517,000 | $ 0 |
| Jefferson County Kansas | 26 | $ 2,929,000 | $ 112,000 | $ 74,000 |
| Harvey County Kansas | 21 | $ 2,846,000 | $ 135,000 | $ 114,000 |
| Osage County Kansas | 21 | $ 2,329,000 | $ 110,000 | $ 70,000 |
| Wabaunsee County Kansas | 21 | $ 2,751,000 | $ 131,000 | $ 73,000 |
| Christian County Missouri | 18 | $ 4,179,000 | $ 232,000 | $ 136,000 |
| Cook County Illinois | 17 | $ 6,325,000 | $ 372,000 | $ 0 |
| Jackson County Kansas | 16 | $ 1,961,000 | $ 122,000 | $ 89,000 |
| Boone County Missouri | 16 | $ 3,840,000 | $ 240,000 | $ 246,000 |
| Westchester County New York | 15 | $ 7,004,000 | $ 466,000 | $ 0 |
| Sumner County Kansas | 14 | $ 1,703,000 | $ 121,000 | $ 84,000 |
| Montgomery County Maryland | 11 | $ 3,453,000 | $ 313,000 | $ 0 |
| McPherson County Kansas | 10 | $ 768,000 | $ 76,000 | $ 74,000 |
| Arapahoe County Colorado | 9 | $ 4,238,000 | $ 470,000 | $ 0 |
| Denver County Colorado | 8 | $ 3,476,000 | $ 434,000 | $ 0 |
| Franklin County Kansas | 8 | $ 771,000 | $ 96,000 | $ 65,000 |
| Geary County Kansas | 8 | $ 1,270,000 | $ 158,000 | $ 91,000 |
| Camden County Missouri | 8 | $ 4,420,000 | $ 552,000 | $ 355,000 |
| Bergen County New Jersey | 7 | $ 2,700,000 | $ 385,000 | $ 0 |
| Nassau County New York | 7 | $ 2,557,000 | $ 365,000 | $ 0 |
| Harris County Texas | 7 | $ 4,098,000 | $ 585,000 | $ 0 |
| DuPage County Illinois | 6 | $ 1,833,000 | $ 305,000 | $ 0 |
| Lake County Illinois | 6 | $ 2,105,000 | $ 350,000 | $ 0 |
| Boulder County Colorado | 5 | $ 2,440,000 | $ 488,000 | $ 0 |
| Reno County Kansas | 5 | $ 530,000 | $ 106,000 | $ 116,000 |
| St. Charles County Missouri | 5 | $ 2,244,000 | $ 448,000 | $ 202,000 |
| Essex County New Jersey | 5 | $ 2,666,000 | $ 533,000 | $ 0 |
| Dallas County Texas | 5 | $ 3,058,000 | $ 611,000 | $ 0 |
| Chase County Kansas | 4 | $ 332,000 | $ 83,000 | $ 44,000 |
| Jefferson County Colorado | 3 | $ 1,344,000 | $ 448,000 | $ 0 |
| Dickinson County Kansas | 3 | $ 708,000 | $ 236,000 | $ 33,000 |
| Hennepin County Minnesota | 3 | $ 1,320,000 | $ 440,000 | $ 0 |
| Johnson County Missouri | 3 | $ 637,000 | $ 212,000 | $ 96,000 |
| Morgan County Missouri | 3 | $ 3,050,000 | $ 1,016,000 | $ 736,000 |
| Mercer County New Jersey | 3 | $ 746,000 | $ 248,000 | $ 0 |
| Queens County New York | 3 | $ 256,000 | $ 85,000 | $ 0 |
| Mecklenburg County North Carolina | 3 | $ 1,281,000 | $ 427,000 | $ 0 |
| Douglas County Colorado | 2 | $ 1,797,000 | $ 898,000 | $ 0 |
| Kane County Illinois | 2 | $ 375,000 | $ 187,000 | $ 0 |
| Clay County Kansas | 2 | $ 183,000 | $ 91,000 | $ 72,000 |
| Coffey County Kansas | 2 | $ 159,000 | $ 79,000 | $ 56,000 |
| Cowley County Kansas | 2 | $ 432,000 | $ 216,000 | $ 128,000 |
| Baltimore County Maryland | 2 | $ 1,095,000 | $ 547,000 | $ 0 |
| Prince George's County Maryland | 2 | $ 122,000 | $ 61,000 | $ 0 |
| Jefferson County Missouri | 2 | $ 287,000 | $ 143,000 | $ 89,000 |
| St. Louis City County Missouri | 2 | $ 944,000 | $ 472,000 | $ 165,000 |
| Kings County New York | 2 | $ 812,000 | $ 406,000 | $ 0 |
| Monroe County New York | 2 | $ 60,000 | $ 30,000 | $ 0 |
| Rockland County New York | 2 | $ 931,000 | $ 465,000 | $ 0 |
| Suffolk County New York | 2 | $ 1,375,000 | $ 687,000 | $ 0 |
| Clackamas County Oregon | 2 | $ 394,000 | $ 197,000 | $ 0 |
| Luzerne County Pennsylvania | 2 | $ 322,000 | $ 161,000 | $ 0 |
| Montgomery County Pennsylvania | 2 | $ 1,073,000 | $ 536,000 | $ 0 |
| Providence County Rhode Island | 2 | $ 938,000 | $ 469,000 | $ 0 |
| Collin County Texas | 2 | $ 853,000 | $ 426,000 | $ 0 |
| Montgomery County Texas | 2 | $ 909,000 | $ 454,000 | $ 0 |
| Tarrant County Texas | 2 | $ 685,000 | $ 342,000 | $ 0 |
| Travis County Texas | 2 | $ 1,145,000 | $ 572,000 | $ 0 |
| King County Washington | 2 | $ 786,000 | $ 393,000 | $ 0 |
| Madison County Alabama | 1 | $ 278,000 | $ 278,000 | $ 0 |
| Benton County Arkansas | 1 | $ 452,000 | $ 452,000 | $ 0 |
| Pulaski County Arkansas | 1 | $ 588,000 | $ 588,000 | $ 0 |
| Larimer County Colorado | 1 | $ 909,000 | $ 909,000 | $ 0 |
| Park County Colorado | 1 | $ 500,000 | $ 500,000 | $ 236,000 |
| Litchfield County Connecticut | 1 | $ 984,000 | $ 984,000 | $ 0 |
| New Castle County Delaware | 1 | $ 104,000 | $ 104,000 | $ 0 |
| Blaine County Idaho | 1 | $ 545,000 | $ 545,000 | $ 0 |
| Will County Illinois | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Polk County Iowa | 1 | $ 415,000 | $ 415,000 | $ 0 |
| Atchison County Kansas | 1 | $ 70,000 | $ 70,000 | $ 88,000 |
| Kingman County Kansas | 1 | $ 90,000 | $ 90,000 | $ 62,000 |
| Linn County Kansas | 1 | $ 256,000 | $ 256,000 | $ 101,000 |
| Marshall County Kansas | 1 | $ 184,000 | $ 184,000 | $ 65,000 |
| Ottawa County Kansas | 1 | $ 160,000 | $ 160,000 | $ 126,000 |
| Oldham County Kentucky | 1 | $ 586,000 | $ 586,000 | $ 0 |
| Sagadahoc County Maine | 1 | $ 81,000 | $ 81,000 | $ 0 |
| York County Maine | 1 | $ 449,000 | $ 449,000 | $ 0 |
| Anne Arundel County Maryland | 1 | $ 453,000 | $ 453,000 | $ 0 |
| Carroll County Maryland | 1 | $ 259,000 | $ 259,000 | $ 0 |
| Howard County Maryland | 1 | $ 213,000 | $ 213,000 | $ 0 |
| Kent County Maryland | 1 | $ 484,000 | $ 484,000 | $ 0 |
| Scott County Minnesota | 1 | $ 987,000 | $ 987,000 | $ 0 |
| Benton County Missouri | 1 | $ 180,000 | $ 180,000 | $ 162,000 |
| Buchanan County Missouri | 1 | $ 195,000 | $ 195,000 | $ 100,000 |
| Clinton County Missouri | 1 | $ 119,000 | $ 119,000 | $ 91,000 |
| Franklin County Missouri | 1 | $ 426,000 | $ 426,000 | $ 0 |
| Hickory County Missouri | 1 | $ 69,000 | $ 69,000 | $ 109,000 |
| Lafayette County Missouri | 1 | $ 600,000 | $ 600,000 | $ 236,000 |
| Ray County Missouri | 1 | $ 123,000 | $ 123,000 | $ 112,000 |
| Taney County Missouri | 1 | $ 183,000 | $ 183,000 | $ 151,000 |
| Douglas County Nebraska | 1 | $ 419,000 | $ 419,000 | $ 0 |
| Middlesex County New Jersey | 1 | $ 214,000 | $ 214,000 | $ 0 |
| Monmouth County New Jersey | 1 | $ 334,000 | $ 334,000 | $ 0 |
| Morris County New Jersey | 1 | $ 127,000 | $ 127,000 | $ 0 |
| Somerset County New Jersey | 1 | $ 400,000 | $ 400,000 | $ 0 |
| Union County New Jersey | 1 | $ 437,000 | $ 437,000 | $ 0 |
| Bernalillo County New Mexico | 1 | $ 23,000 | $ 23,000 | $ 0 |
| Santa Fe County New Mexico | 1 | $ 363,000 | $ 363,000 | $ 0 |
| Bronx County New York | 1 | $ 47,000 | $ 47,000 | $ 0 |
| Niagara County New York | 1 | $ 27,000 | $ 27,000 | $ 0 |
| Guilford County North Carolina | 1 | $ 503,000 | $ 503,000 | $ 0 |
| Henderson County North Carolina | 1 | $ 774,000 | $ 774,000 | $ 0 |
| Iredell County North Carolina | 1 | $ 512,000 | $ 512,000 | $ 0 |
| Jackson County North Carolina | 1 | $ 445,000 | $ 445,000 | $ 0 |
| New Hanover County North Carolina | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Orange County North Carolina | 1 | $ 585,000 | $ 585,000 | $ 0 |
| Lane County Oregon | 1 | $ 104,000 | $ 104,000 | $ 0 |
| Multnomah County Oregon | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Washington County Oregon | 1 | $ 578,000 | $ 578,000 | $ 0 |
| Bucks County Pennsylvania | 1 | $ 712,000 | $ 712,000 | $ 0 |
| Chester County Pennsylvania | 1 | $ 758,000 | $ 758,000 | $ 0 |
| Delaware County Pennsylvania | 1 | $ 810,000 | $ 810,000 | $ 0 |
| Shelby County Tennessee | 1 | $ 514,000 | $ 514,000 | $ 0 |
| Denton County Texas | 1 | $ 416,000 | $ 416,000 | $ 0 |
| Tom Green County Texas | 1 | $ 210,000 | $ 210,000 | $ 0 |
| Summit County Utah | 1 | $ 574,000 | $ 574,000 | $ 0 |
| Benton County Washington | 1 | $ 111,000 | $ 111,000 | $ 0 |
| Snohomish County Washington | 1 | $ 87,000 | $ 87,000 | $ 0 |
| Walworth County Wisconsin | 1 | $ 202,000 | $ 202,000 | $ 0 |
Mortgage Loan Application Detail Totals for Capitol Federal Savings in 2009
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 |
|---|---|---|---|---|---|---|
| Refinancing | 5,868 | $1,136,605,000 | $193,000 | $1,500,000 | $119,000 | $7,005,000 |
| Home Purchase | 3,383 | $631,891,000 | $186,000 | $1,600,000 | $97,000 | $3,515,000 |
| Home Improvement | 213 | $9,646,000 | $45,000 | $688,000 | $77,000 | $769,000 |
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 | 7,581 | $1,398,442,000 | $184,000 | $1,600,000 | $114,000 | $3,515,000 |
| Not Provided | 746 | $133,909,000 | $179,000 | $1,500,000 | $118,000 | $1,305,000 |
| Asian | 332 | $64,439,000 | $194,000 | $1,000,000 | $113,000 | $1,669,000 |
| Hispanic | 260 | $36,915,000 | $141,000 | $1,235,000 | $100,000 | $7,005,000 |
| Not applicable | 252 | $107,338,000 | $425,000 | $1,448,000 | $5,000 | $1,327,000 |
| Black or African American | 231 | $27,316,000 | $118,000 | $1,200,000 | $62,000 | $583,000 |
| American Indian or Alaskan Native | 49 | $7,166,000 | $146,000 | $581,000 | $81,000 | $181,000 |
| Native Hawaiian or Other Pacific Islander | 13 | $2,617,000 | $201,000 | $544,000 | $179,000 | $890,000 |
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) | 9,424 | $1,772,667,000 | $188,000 | $1,600,000 | $110,000 | $7,005,000 |
| FHA-insured (Federal Housing Administration) | 40 | $5,475,000 | $136,000 | $261,000 | $62,000 | $237,000 |
| 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 | 6,514 | $1,194,256,000 | $183,000 | $1,600,000 | $121,000 | $7,005,000 |
| Application Denied By Financial Institution | 952 | $198,484,000 | $208,000 | $1,500,000 | $97,000 | $1,669,000 |
| Preapproval Denied by Financial Institution | 917 | $138,272,000 | $150,000 | $1,280,000 | $63,000 | $1,630,000 |
| Application Withdrawn By Applicant | 431 | $74,790,000 | $173,000 | $1,300,000 | $131,000 | $2,062,000 |
| Application Approved But Not Accepted | 278 | $44,702,000 | $160,000 | $850,000 | $94,000 | $602,000 |
| Loan Purchased By The Institution | 243 | $101,473,000 | $417,000 | $993,000 | $0 | $0 |
| File Closed For Incompleteness | 129 | $26,165,000 | $202,000 | $1,500,000 | $146,000 | $2,229,000 |
| 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 | 819 | $154,650,000 | $188,000 | $1,500,000 | $57,000 | $521,000 |
| Credit History | 434 | $55,200,000 | $127,000 | $646,000 | $79,000 | $1,669,000 |
| Collateral | 250 | $55,236,000 | $220,000 | $1,000,000 | $126,000 | $1,327,000 |
| Other | 233 | $50,069,000 | $214,000 | $1,500,000 | $118,000 | $1,238,000 |
| Employment History | 51 | $5,787,000 | $113,000 | $432,000 | $47,000 | $250,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 45 | $6,870,000 | $152,000 | $1,000,000 | $73,000 | $537,000 |
| Mortgage Insurance Denied | 20 | $4,005,000 | $200,000 | $465,000 | $85,000 | $135,000 |
| Unverifiable Information | 16 | $4,903,000 | $306,000 | $1,500,000 | $150,000 | $1,200,000 |
| Credit Application Incomplete | 1 | $36,000 | $36,000 | $36,000 | $26,000 | $26,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Capitol Federal Savings's 2009 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.