Capitol Federal Savings Mortgage Lending & HMDA Data, 2003
In 2003, Capitol Federal Savings of Topeka, KS reported 12,462 mortgage applications totaling $1.7 billion. The average application was for $134,964, and applicants reported an average income of $63,418. 82% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Wichita, KS (2,381), Topeka, KS (1,433) and Kansas City, MO-KS (1,408) (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 | 12,462 |
| Total Mortgage Loan Application Amount | $1,681,923,000 |
| Average Mortgage Loan Application Amount | $134,964 |
| Highest Mortgage Loan Application Amount | $3,750,000 |
| Average Applicant Income | $63,418 |
| Highest Applicant Income | $2,910,000 |
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(HMDA) records Capitol Federal Savings filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Wichita, KS | 2,381 | $ 253,878,000 | $ 106,626 | $ 55,000 |
| Topeka, KS | 1,433 | $ 137,768,000 | $ 96,139 | $ 65,000 |
| Kansas City, MO-KS | 1,408 | $ 192,288,000 | $ 136,568 | $ 74,000 |
| Lawrence, KS | 613 | $ 75,750,000 | $ 123,572 | $ 66,000 |
| St. Louis, MO-IL | 80 | $ 30,274,000 | $ 378,425 | $ 0 |
| Chicago, IL | 71 | $ 29,629,000 | $ 417,309 | $ 0 |
| Minneapolis-St. Paul, MN-WI | 28 | $ 7,669,000 | $ 273,892 | $ 0 |
| Seattle-Bellevue-Everett, WA | 17 | $ 5,753,000 | $ 338,411 | $ 0 |
| Milwaukee-Waukesha, WI | 15 | $ 7,015,000 | $ 467,666 | $ 0 |
| Phoenix-Mesa, AZ | 15 | $ 5,408,000 | $ 360,533 | $ 0 |
| Denver, CO | 10 | $ 4,229,000 | $ 422,900 | $ 0 |
| Detroit, MI | 9 | $ 3,537,000 | $ 393,000 | $ 0 |
| Houston, TX | 9 | $ 4,287,000 | $ 476,333 | $ 0 |
| Salt Lake City-Ogden, UT | 9 | $ 2,996,000 | $ 332,888 | $ 0 |
| Boulder-Longmont, CO | 8 | $ 2,578,000 | $ 322,250 | $ 0 |
| Iowa City, IA | 7 | $ 1,584,000 | $ 226,285 | $ 0 |
| Fargo-Moorhead, ND-MN | 6 | $ 1,072,000 | $ 178,666 | $ 0 |
| Lexington, KY | 6 | $ 831,000 | $ 138,500 | $ 0 |
| Atlanta, GA | 5 | $ 1,934,000 | $ 386,800 | $ 0 |
| Omaha, NE-IA | 5 | $ 1,304,000 | $ 260,800 | $ 0 |
| Indianapolis, IN | 4 | $ 1,545,000 | $ 386,250 | $ 0 |
| Provo-Orem, UT | 4 | $ 1,495,000 | $ 373,750 | $ 0 |
| Ann Arbor, MI | 3 | $ 1,341,000 | $ 447,000 | $ 0 |
| Colorado Springs, CO | 3 | $ 1,092,000 | $ 364,000 | $ 0 |
| Columbus, OH | 3 | $ 673,000 | $ 224,333 | $ 0 |
| Dallas, TX | 3 | $ 1,000,000 | $ 333,333 | $ 0 |
| Des Moines, IA | 3 | $ 857,000 | $ 285,666 | $ 0 |
| Lincoln, NE | 3 | $ 834,000 | $ 278,000 | $ 0 |
| Monmouth-Ocean, NJ | 3 | $ 1,116,000 | $ 372,000 | $ 0 |
| Norfolk-Virginia Beach-Newport News, VA-NC | 3 | $ 442,000 | $ 147,333 | $ 0 |
| Raleigh-Durham-Chapel Hill, NC | 3 | $ 1,102,000 | $ 367,333 | $ 0 |
| Austin-San Marcos, TX | 2 | $ 1,051,000 | $ 525,500 | $ 0 |
| Bellingham, WA | 2 | $ 289,000 | $ 144,500 | $ 0 |
| Billings, MT | 2 | $ 485,000 | $ 242,500 | $ 0 |
| Birmingham, AL | 2 | $ 572,000 | $ 286,000 | $ 0 |
| Charlotte-Gastonia-Rock Hill, NC-SC | 2 | $ 544,000 | $ 272,000 | $ 0 |
| Fort Myers-Cape Coral, FL | 2 | $ 1,311,000 | $ 655,500 | $ 0 |
| Gary, IN | 2 | $ 580,000 | $ 290,000 | $ 0 |
| Greenville-Spartanburg-Anderson, SC | 2 | $ 816,000 | $ 408,000 | $ 0 |
| Naples, FL | 2 | $ 864,000 | $ 432,000 | $ 0 |
| Rochester, MN | 2 | $ 919,000 | $ 459,500 | $ 0 |
| Spokane, WA | 2 | $ 639,000 | $ 319,500 | $ 0 |
| Tampa-St. Petersburg-Clearwater, FL | 2 | $ 660,000 | $ 330,000 | $ 0 |
| Tulsa, OK | 2 | $ 682,000 | $ 341,000 | $ 0 |
| Akron, OH | 1 | $ 390,000 | $ 390,000 | $ 0 |
| Atlantic-Cape May, NJ | 1 | $ 499,000 | $ 499,000 | $ 0 |
| Benton Harbor, MI | 1 | $ 349,000 | $ 349,000 | $ 0 |
| Bremerton, WA | 1 | $ 458,000 | $ 458,000 | $ 0 |
| Cedar Rapids, IA | 1 | $ 245,000 | $ 245,000 | $ 0 |
| Cleveland-Lorain-Elyria, OH | 1 | $ 92,000 | $ 92,000 | $ 0 |
| Davenport-Moline-Rock Island, IA-IL | 1 | $ 271,000 | $ 271,000 | $ 0 |
| Daytona Beach, FL | 1 | $ 392,000 | $ 392,000 | $ 0 |
| Fayetteville-Springdale-Rogers, AR | 1 | $ 281,000 | $ 281,000 | $ 0 |
| Fort Walton Beach, FL | 1 | $ 488,000 | $ 488,000 | $ 0 |
| Fort Worth-Arlington, TX | 1 | $ 248,000 | $ 248,000 | $ 0 |
| Gainesville, FL | 1 | $ 455,000 | $ 455,000 | $ 0 |
| Grand Junction, CO | 1 | $ 469,000 | $ 469,000 | $ 0 |
| Greensboro--Winston-Salem--High Point, NC | 1 | $ 489,000 | $ 489,000 | $ 0 |
| Kalamazoo-Battle Creek, MI | 1 | $ 172,000 | $ 172,000 | $ 0 |
| Las Vegas, NV-AZ | 1 | $ 395,000 | $ 395,000 | $ 0 |
| Louisville, KY-IN | 1 | $ 409,000 | $ 409,000 | $ 0 |
| Lowell, MA-NH | 1 | $ 323,000 | $ 323,000 | $ 0 |
| Madison, WI | 1 | $ 342,000 | $ 342,000 | $ 0 |
| Nashua, NH | 1 | $ 245,000 | $ 245,000 | $ 0 |
| Nashville, TN | 1 | $ 539,000 | $ 539,000 | $ 0 |
| Ocala, FL | 1 | $ 473,000 | $ 473,000 | $ 0 |
| Orlando, FL | 1 | $ 550,000 | $ 550,000 | $ 0 |
| Panama City, FL | 1 | $ 379,000 | $ 379,000 | $ 0 |
| Pensacola, FL | 1 | $ 595,000 | $ 595,000 | $ 0 |
| Portland-Vancouver, OR-WA | 1 | $ 377,000 | $ 377,000 | $ 0 |
| Portsmouth-Rochester, NH-ME | 1 | $ 275,000 | $ 275,000 | $ 0 |
| Richland-Kennewick-Pasco, WA | 1 | $ 450,000 | $ 450,000 | $ 0 |
| San Antonio, TX | 1 | $ 210,000 | $ 210,000 | $ 0 |
| Savannah, GA | 1 | $ 458,000 | $ 458,000 | $ 0 |
| Springfield, MO | 1 | $ 99,000 | $ 99,000 | $ 0 |
| Tallahassee, FL | 1 | $ 630,000 | $ 630,000 | $ 0 |
| Tucson, AZ | 1 | $ 416,000 | $ 416,000 | $ 0 |
| Yuma, AZ | 1 | $ 158,000 | $ 158,000 | $ 0 |
Mortgage Loan Application Detail Totals for Capitol Federal Savings in 2003
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 (home purchase or home improvement, one-to-four family) | 8,216 | $1,076,124,000 | $309,088 | $1,600,000 | $4,000 | $2,910,000 |
| Home Purchase (one-to-four family) | 4,110 | $599,855,000 | $335,958 | $1,400,000 | $5,583 | $2,000,000 |
| Home Improvement (one-to-four family) | 134 | $1,163,000 | $8,500 | $60,000 | $55,500 | $834,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 2 | $4,781,000 | $2,390,000 | $3,750,000 | $0 | $0 |
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 | 10,890 | $1,403,624,000 | $422,333 | $1,600,000 | $49,333 | $2,910,000 |
| Not applicable | 454 | $162,829,000 | $329,352 | $3,750,000 | $0 | $0 |
| Black | 405 | $36,641,000 | $95,000 | $700,000 | $56,000 | $664,000 |
| Asian or Pacific Islander | 310 | $39,744,000 | $119,000 | $576,000 | $74,000 | $500,000 |
| Hispanic | 294 | $26,437,000 | $88,000 | $590,000 | $60,500 | $232,000 |
| Other | 56 | $7,127,000 | $120,500 | $600,000 | $64,000 | $424,000 |
| American Indian or Alaskan Native | 50 | $5,326,000 | $119,500 | $393,000 | $76,000 | $240,000 |
| Information not provided by applicant in mail or telephone application | 3 | $195,000 | $56,000 | $120,000 | $149,500 | $431,000 |
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) | 12,462 | $1,681,923,000 | $315,088 | $3,750,000 | $3,911 | $2,910,000 |
| 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 | 10,275 | $1,286,564,000 | $418,666 | $3,750,000 | $47,666 | $2,910,000 |
| Application Denied By Financial Institution | 523 | $64,867,000 | $124,500 | $999,000 | $57,000 | $584,000 |
| Application Approved But Not Accepted | 491 | $71,100,000 | $141,000 | $725,000 | $82,000 | $500,000 |
| Loan Purchased By The Institution | 445 | $157,592,000 | $325,764 | $772,000 | $0 | $0 |
| Application Withdrawn By Applicant | 396 | $56,966,000 | $176,000 | $1,600,000 | $82,500 | $1,177,000 |
| File Closed For Incompleteness | 332 | $44,834,000 | $132,000 | $812,000 | $81,500 | $785,000 |
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 |
|---|---|---|---|---|---|---|
| Credit History | 188 | $19,550,000 | $107,500 | $540,000 | $51,000 | $360,000 |
| Debt-To-Income Ratio | 158 | $21,819,000 | $137,500 | $999,000 | $54,000 | $242,000 |
| Collateral | 77 | $9,969,000 | $134,500 | $500,000 | $66,500 | $237,000 |
| Other | 48 | $6,785,000 | $140,000 | $700,000 | $80,500 | $584,000 |
| Employment History | 38 | $4,869,000 | $116,000 | $348,000 | $52,500 | $431,000 |
| Unverifiable Information | 10 | $1,226,000 | $122,000 | $184,000 | $18,000 | $52,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $229,000 | $114,500 | $125,000 | $51,500 | $58,000 |
| Mortgage Insurance Denied | 2 | $420,000 | $210,000 | $275,000 | $83,000 | $102,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Capitol Federal Savings's 2003 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.
For a list of all lenders in Kansas, download the full spreadsheet
with aggregated HMDA statistics today.
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