Capitol Federal Savings Mortgage Lending & HMDA Data, 2009
In 2009, Capitol Federal Savings of Topeka, KS reported 9,464 mortgage applications totaling $1.8 billion, up 42% from 2008. The average application was for $187,884, and applicants reported an average income of $110,190. 69% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Kansas City, MO-KS (4,213), Wichita, KS (2,198) and Topeka, KS (881) (applications in parentheses).
| 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 | $187,884 |
| Highest Mortgage Loan Application Amount | $1,600,000 |
| Average Applicant Income | $110,190 |
| Highest Applicant Income | $7,005,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Capitol Federal Savings filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Johnson, Kansas | 3,020 | $ 671,803,000 | $ 222,451 | $ 140,000 |
| Sedgwick, Kansas | 1,992 | $ 286,488,000 | $ 143,819 | $ 92,000 |
| Shawnee, Kansas | 797 | $ 94,875,000 | $ 119,040 | $ 84,000 |
| Jackson, Missouri | 525 | $ 102,955,000 | $ 196,104 | $ 128,000 |
| Douglas, Kansas | 424 | $ 75,827,000 | $ 178,837 | $ 104,000 |
| Clay, Missouri | 206 | $ 41,392,000 | $ 200,932 | $ 124,000 |
| Butler, Kansas | 171 | $ 31,497,000 | $ 184,192 | $ 112,000 |
| Riley, Kansas | 165 | $ 25,951,000 | $ 157,278 | $ 100,000 |
| Platte, Missouri | 138 | $ 43,564,000 | $ 315,681 | $ 177,000 |
| Wyandotte, Kansas | 129 | $ 15,333,000 | $ 118,860 | $ 112,000 |
| Greene, Missouri | 74 | $ 19,889,000 | $ 268,770 | $ 197,000 |
| Miami, Kansas | 71 | $ 15,936,000 | $ 224,450 | $ 134,000 |
| Pottawatomie, Kansas | 71 | $ 9,879,000 | $ 139,140 | $ 83,000 |
| Lyon, Kansas | 66 | $ 5,804,000 | $ 87,939 | $ 65,000 |
| Saline, Kansas | 63 | $ 6,081,000 | $ 96,523 | $ 62,000 |
| St. Louis, Missouri | 59 | $ 28,011,000 | $ 474,762 | $ 246,000 |
| Leavenworth, Kansas | 57 | $ 10,020,000 | $ 175,789 | $ 104,000 |
| Cass, Missouri | 55 | $ 15,122,000 | $ 274,945 | $ 172,000 |
| Fairfield, Connecticut | 27 | $ 13,975,000 | $ 517,592 | $ 0 |
| Jefferson, Kansas | 26 | $ 2,929,000 | $ 112,653 | $ 74,000 |
| Harvey, Kansas | 21 | $ 2,846,000 | $ 135,523 | $ 114,000 |
| Osage, Kansas | 21 | $ 2,329,000 | $ 110,904 | $ 70,000 |
| Wabaunsee, Kansas | 21 | $ 2,751,000 | $ 131,000 | $ 73,000 |
| Christian, Missouri | 18 | $ 4,179,000 | $ 232,166 | $ 136,000 |
| Cook, Illinois | 17 | $ 6,325,000 | $ 372,058 | $ 0 |
| Jackson, Kansas | 16 | $ 1,961,000 | $ 122,562 | $ 89,000 |
| Boone, Missouri | 16 | $ 3,840,000 | $ 240,000 | $ 246,000 |
| Westchester, New York | 15 | $ 7,004,000 | $ 466,933 | $ 0 |
| Sumner, Kansas | 14 | $ 1,703,000 | $ 121,642 | $ 84,000 |
| Montgomery, Maryland | 11 | $ 3,453,000 | $ 313,909 | $ 0 |
| McPherson, Kansas | 10 | $ 768,000 | $ 76,800 | $ 74,000 |
| Arapahoe, Colorado | 9 | $ 4,238,000 | $ 470,888 | $ 0 |
| Denver, Colorado | 8 | $ 3,476,000 | $ 434,500 | $ 0 |
| Franklin, Kansas | 8 | $ 771,000 | $ 96,375 | $ 65,000 |
| Geary, Kansas | 8 | $ 1,270,000 | $ 158,750 | $ 91,000 |
| Camden, Missouri | 8 | $ 4,420,000 | $ 552,500 | $ 355,000 |
| Bergen, New Jersey | 7 | $ 2,700,000 | $ 385,714 | $ 0 |
| Nassau, New York | 7 | $ 2,557,000 | $ 365,285 | $ 0 |
| Harris, Texas | 7 | $ 4,098,000 | $ 585,428 | $ 0 |
| DuPage, Illinois | 6 | $ 1,833,000 | $ 305,500 | $ 0 |
| Lake, Illinois | 6 | $ 2,105,000 | $ 350,833 | $ 0 |
| Boulder, Colorado | 5 | $ 2,440,000 | $ 488,000 | $ 0 |
| Reno, Kansas | 5 | $ 530,000 | $ 106,000 | $ 116,000 |
| St. Charles, Missouri | 5 | $ 2,244,000 | $ 448,800 | $ 202,000 |
| Essex, New Jersey | 5 | $ 2,666,000 | $ 533,200 | $ 0 |
| Dallas, Texas | 5 | $ 3,058,000 | $ 611,600 | $ 0 |
| Chase, Kansas | 4 | $ 332,000 | $ 83,000 | $ 44,000 |
| Jefferson, Colorado | 3 | $ 1,344,000 | $ 448,000 | $ 0 |
| Dickinson, Kansas | 3 | $ 708,000 | $ 236,000 | $ 33,000 |
| Hennepin, Minnesota | 3 | $ 1,320,000 | $ 440,000 | $ 0 |
| Johnson, Missouri | 3 | $ 637,000 | $ 212,333 | $ 96,000 |
| Morgan, Missouri | 3 | $ 3,050,000 | $ 1,016,666 | $ 736,000 |
| Mercer, New Jersey | 3 | $ 746,000 | $ 248,666 | $ 0 |
| Queens, New York | 3 | $ 256,000 | $ 85,333 | $ 0 |
| Mecklenburg, North Carolina | 3 | $ 1,281,000 | $ 427,000 | $ 0 |
| Douglas, Colorado | 2 | $ 1,797,000 | $ 898,500 | $ 0 |
| Kane, Illinois | 2 | $ 375,000 | $ 187,500 | $ 0 |
| Clay, Kansas | 2 | $ 183,000 | $ 91,500 | $ 72,000 |
| Coffey, Kansas | 2 | $ 159,000 | $ 79,500 | $ 56,000 |
| Cowley, Kansas | 2 | $ 432,000 | $ 216,000 | $ 128,000 |
| Baltimore, Maryland | 2 | $ 1,095,000 | $ 547,500 | $ 0 |
| Prince George's, Maryland | 2 | $ 122,000 | $ 61,000 | $ 0 |
| Jefferson, Missouri | 2 | $ 287,000 | $ 143,500 | $ 89,000 |
| St. Louis City, Missouri | 2 | $ 944,000 | $ 472,000 | $ 165,000 |
| Kings, New York | 2 | $ 812,000 | $ 406,000 | $ 0 |
| Monroe, New York | 2 | $ 60,000 | $ 30,000 | $ 0 |
| Rockland, New York | 2 | $ 931,000 | $ 465,500 | $ 0 |
| Suffolk, New York | 2 | $ 1,375,000 | $ 687,500 | $ 0 |
| Clackamas, Oregon | 2 | $ 394,000 | $ 197,000 | $ 0 |
| Luzerne, Pennsylvania | 2 | $ 322,000 | $ 161,000 | $ 0 |
| Montgomery, Pennsylvania | 2 | $ 1,073,000 | $ 536,500 | $ 0 |
| Providence, Rhode Island | 2 | $ 938,000 | $ 469,000 | $ 0 |
| Collin, Texas | 2 | $ 853,000 | $ 426,500 | $ 0 |
| Montgomery, Texas | 2 | $ 909,000 | $ 454,500 | $ 0 |
| Tarrant, Texas | 2 | $ 685,000 | $ 342,500 | $ 0 |
| Travis, Texas | 2 | $ 1,145,000 | $ 572,500 | $ 0 |
| King, Washington | 2 | $ 786,000 | $ 393,000 | $ 0 |
| Madison, Alabama | 1 | $ 278,000 | $ 278,000 | $ 0 |
| Benton, Arkansas | 1 | $ 452,000 | $ 452,000 | $ 0 |
| Pulaski, Arkansas | 1 | $ 588,000 | $ 588,000 | $ 0 |
| Larimer, Colorado | 1 | $ 909,000 | $ 909,000 | $ 0 |
| Park, Colorado | 1 | $ 500,000 | $ 500,000 | $ 236,000 |
| Litchfield, Connecticut | 1 | $ 984,000 | $ 984,000 | $ 0 |
| New Castle, Delaware | 1 | $ 104,000 | $ 104,000 | $ 0 |
| Blaine, Idaho | 1 | $ 545,000 | $ 545,000 | $ 0 |
| Will, Illinois | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Polk, Iowa | 1 | $ 415,000 | $ 415,000 | $ 0 |
| Atchison, Kansas | 1 | $ 70,000 | $ 70,000 | $ 88,000 |
| Kingman, Kansas | 1 | $ 90,000 | $ 90,000 | $ 62,000 |
| Linn, Kansas | 1 | $ 256,000 | $ 256,000 | $ 101,000 |
| Marshall, Kansas | 1 | $ 184,000 | $ 184,000 | $ 65,000 |
| Ottawa, Kansas | 1 | $ 160,000 | $ 160,000 | $ 126,000 |
| Oldham, Kentucky | 1 | $ 586,000 | $ 586,000 | $ 0 |
| Sagadahoc, Maine | 1 | $ 81,000 | $ 81,000 | $ 0 |
| York, Maine | 1 | $ 449,000 | $ 449,000 | $ 0 |
| Anne Arundel, Maryland | 1 | $ 453,000 | $ 453,000 | $ 0 |
| Carroll, Maryland | 1 | $ 259,000 | $ 259,000 | $ 0 |
| Howard, Maryland | 1 | $ 213,000 | $ 213,000 | $ 0 |
| Kent, Maryland | 1 | $ 484,000 | $ 484,000 | $ 0 |
| Scott, Minnesota | 1 | $ 987,000 | $ 987,000 | $ 0 |
| Benton, Missouri | 1 | $ 180,000 | $ 180,000 | $ 162,000 |
| Buchanan, Missouri | 1 | $ 195,000 | $ 195,000 | $ 100,000 |
| Clinton, Missouri | 1 | $ 119,000 | $ 119,000 | $ 91,000 |
| Franklin, Missouri | 1 | $ 426,000 | $ 426,000 | $ 0 |
| Hickory, Missouri | 1 | $ 69,000 | $ 69,000 | $ 109,000 |
| Lafayette, Missouri | 1 | $ 600,000 | $ 600,000 | $ 236,000 |
| Ray, Missouri | 1 | $ 123,000 | $ 123,000 | $ 112,000 |
| Taney, Missouri | 1 | $ 183,000 | $ 183,000 | $ 151,000 |
| Douglas, Nebraska | 1 | $ 419,000 | $ 419,000 | $ 0 |
| Middlesex, New Jersey | 1 | $ 214,000 | $ 214,000 | $ 0 |
| Monmouth, New Jersey | 1 | $ 334,000 | $ 334,000 | $ 0 |
| Morris, New Jersey | 1 | $ 127,000 | $ 127,000 | $ 0 |
| Somerset, New Jersey | 1 | $ 400,000 | $ 400,000 | $ 0 |
| Union, New Jersey | 1 | $ 437,000 | $ 437,000 | $ 0 |
| Bernalillo, New Mexico | 1 | $ 23,000 | $ 23,000 | $ 0 |
| Santa Fe, New Mexico | 1 | $ 363,000 | $ 363,000 | $ 0 |
| Bronx, New York | 1 | $ 47,000 | $ 47,000 | $ 0 |
| Niagara, New York | 1 | $ 27,000 | $ 27,000 | $ 0 |
| Guilford, North Carolina | 1 | $ 503,000 | $ 503,000 | $ 0 |
| Henderson, North Carolina | 1 | $ 774,000 | $ 774,000 | $ 0 |
| Iredell, North Carolina | 1 | $ 512,000 | $ 512,000 | $ 0 |
| Jackson, North Carolina | 1 | $ 445,000 | $ 445,000 | $ 0 |
| New Hanover, North Carolina | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Orange, North Carolina | 1 | $ 585,000 | $ 585,000 | $ 0 |
| Lane, Oregon | 1 | $ 104,000 | $ 104,000 | $ 0 |
| Multnomah, Oregon | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Washington, Oregon | 1 | $ 578,000 | $ 578,000 | $ 0 |
| Bucks, Pennsylvania | 1 | $ 712,000 | $ 712,000 | $ 0 |
| Chester, Pennsylvania | 1 | $ 758,000 | $ 758,000 | $ 0 |
| Delaware, Pennsylvania | 1 | $ 810,000 | $ 810,000 | $ 0 |
| Shelby, Tennessee | 1 | $ 514,000 | $ 514,000 | $ 0 |
| Denton, Texas | 1 | $ 416,000 | $ 416,000 | $ 0 |
| Tom Green, Texas | 1 | $ 210,000 | $ 210,000 | $ 0 |
| Summit, Utah | 1 | $ 574,000 | $ 574,000 | $ 0 |
| Benton, Washington | 1 | $ 111,000 | $ 111,000 | $ 0 |
| Snohomish, Washington | 1 | $ 87,000 | $ 87,000 | $ 0 |
| Walworth, 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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