Capitol Federal Savings Mortgage Lending & HMDA Data, 2004
In 2004, Capitol Federal Savings of Topeka, KS reported 8,959 mortgage applications totaling $1.6 billion, down 28% from 2003. The average application was for $183,188, and applicants reported an average income of $53,623. 61% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Wichita, KS (1,561), Topeka, KS (907) and Kansas City, MO-KS (810) (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 | 8,959 |
| Total Mortgage Loan Application Amount | $1,641,189,000 |
| Average Mortgage Loan Application Amount | $183,188 |
| Highest Mortgage Loan Application Amount | $1,500,000 |
| Average Applicant Income | $53,623 |
| Highest Applicant Income | $3,250,000 |
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(HMDA) records Capitol Federal Savings filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,561 | $ 177,739,000 | $ 113,862 | $ 63,000 |
| Topeka, KS | 907 | $ 93,129,000 | $ 102,678 | $ 57,000 |
| Kansas City, MO-KS | 810 | $ 127,823,000 | $ 157,806 | $ 75,000 |
| Lawrence, KS | 342 | $ 45,127,000 | $ 131,950 | $ 62,000 |
| Chicago-Naperville-Joliet, IL | 177 | $ 76,239,000 | $ 430,728 | $ 0 |
| St. Louis, MO-IL | 59 | $ 20,267,000 | $ 343,508 | $ 0 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 54 | $ 18,303,000 | $ 338,944 | $ 0 |
| Phoenix-Mesa-Scottsdale, AZ | 44 | $ 17,117,000 | $ 389,022 | $ 0 |
| Atlanta-Sandy Springs-Marietta, GA | 42 | $ 15,768,000 | $ 375,428 | $ 0 |
| Milwaukee-Waukesha-West Allis, WI | 41 | $ 13,630,000 | $ 332,439 | $ 0 |
| Lake County-Kenosha County, IL-WI | 39 | $ 17,965,000 | $ 460,641 | $ 0 |
| Nassau-Suffolk, NY | 39 | $ 20,941,000 | $ 536,948 | $ 0 |
| Denver-Aurora, CO | 35 | $ 11,624,000 | $ 332,114 | $ 0 |
| Seattle-Bellevue-Everett, WA | 30 | $ 14,919,000 | $ 497,300 | $ 0 |
| Warren-Farmington Hills-Troy, MI | 27 | $ 12,946,000 | $ 479,481 | $ 0 |
| Philadelphia, PA | 25 | $ 10,218,000 | $ 408,720 | $ 0 |
| Portland-Vancouver-Beaverton, OR-WA | 25 | $ 7,621,000 | $ 304,840 | $ 0 |
| Bridgeport-Stamford-Norwalk, CT | 23 | $ 12,365,000 | $ 537,608 | $ 0 |
| Houston-Baytown-Sugar Land, TX | 22 | $ 11,329,000 | $ 514,954 | $ 0 |
| New York-Wayne-White Plains, NY-NJ | 22 | $ 10,689,000 | $ 485,863 | $ 0 |
| Raleigh-Cary, NC | 22 | $ 8,881,000 | $ 403,681 | $ 0 |
| Cambridge-Newton-Framingham, MA | 20 | $ 9,189,000 | $ 459,450 | $ 0 |
| Dallas-Plano-Irving, TX | 20 | $ 6,939,000 | $ 346,950 | $ 0 |
| Newark-Union, NJ-PA | 20 | $ 9,552,000 | $ 477,600 | $ 0 |
| Bethesda-Frederick-Gaithersburg, MD | 18 | $ 8,764,000 | $ 486,888 | $ 0 |
| Baltimore-Towson, MD | 17 | $ 7,505,000 | $ 441,470 | $ 0 |
| Tampa-St. Petersburg-Clearwater, FL | 16 | $ 5,828,000 | $ 364,250 | $ 0 |
| Worcester, MA | 13 | $ 4,086,000 | $ 314,307 | $ 0 |
| Charlotte-Gastonia-Concord, NC-SC | 12 | $ 5,271,000 | $ 439,250 | $ 0 |
| Boston-Quincy, MA | 11 | $ 4,018,000 | $ 365,272 | $ 0 |
| Edison, NJ | 11 | $ 4,496,000 | $ 408,727 | $ 0 |
| Omaha-Council Bluffs, NE-IA | 11 | $ 2,044,000 | $ 185,818 | $ 0 |
| Cincinnati-Middletown, OH-KY-IN | 10 | $ 3,785,000 | $ 378,500 | $ 0 |
| Des Moines, IA | 10 | $ 2,619,000 | $ 261,900 | $ 0 |
| Memphis, TN-MS-AR | 10 | $ 4,347,000 | $ 434,700 | $ 0 |
| New Haven-Milford, CT | 10 | $ 4,258,000 | $ 425,800 | $ 0 |
| Richmond, VA | 10 | $ 3,510,000 | $ 351,000 | $ 0 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 10 | $ 5,836,000 | $ 583,600 | $ 0 |
| Austin-Round Rock, TX | 9 | $ 3,382,000 | $ 375,777 | $ 0 |
| Iowa City, IA | 9 | $ 1,975,000 | $ 219,444 | $ 0 |
| Las Vegas-Paradise, NV | 8 | $ 3,596,000 | $ 449,500 | $ 0 |
| Lexington-Fayette, KY | 8 | $ 1,285,000 | $ 160,625 | $ 0 |
| Naples-Marco Island, FL | 8 | $ 3,946,000 | $ 493,250 | $ 0 |
| Salt Lake City, UT | 8 | $ 3,937,000 | $ 492,125 | $ 0 |
| Ann Arbor, MI | 7 | $ 3,581,000 | $ 511,571 | $ 0 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 7 | $ 3,412,000 | $ 487,428 | $ 0 |
| Miami-Miami Beach-Kendall, FL | 7 | $ 3,493,000 | $ 499,000 | $ 0 |
| Pittsburgh, PA | 7 | $ 3,194,000 | $ 456,285 | $ 0 |
| Providence-New Bedford-Fall River, RI-MA | 7 | $ 3,102,000 | $ 443,142 | $ 0 |
| Boulder, CO | 6 | $ 2,147,000 | $ 357,833 | $ 0 |
| Charleston-North Charleston, SC | 6 | $ 1,918,000 | $ 319,666 | $ 0 |
| Eugene-Springfield, OR | 6 | $ 1,633,000 | $ 272,166 | $ 0 |
| Fort Collins-Loveland, CO | 6 | $ 1,548,000 | $ 258,000 | $ 0 |
| Medford, OR | 6 | $ 1,393,000 | $ 232,166 | $ 0 |
| Tucson, AZ | 6 | $ 1,709,000 | $ 284,833 | $ 0 |
| Wilmington, NC | 6 | $ 2,968,000 | $ 494,666 | $ 0 |
| Camden, NJ | 5 | $ 2,545,000 | $ 509,000 | $ 0 |
| Cleveland-Elyria-Mentor, OH | 5 | $ 2,720,000 | $ 544,000 | $ 0 |
| Columbus, OH | 5 | $ 2,118,000 | $ 423,600 | $ 0 |
| Detroit-Livonia-Dearborn, MI | 5 | $ 1,861,000 | $ 372,200 | $ 0 |
| Durham, NC | 5 | $ 2,338,000 | $ 467,600 | $ 0 |
| Fort Worth-Arlington, TX | 5 | $ 1,329,000 | $ 265,800 | $ 0 |
| Hartford-West Hartford-East Hartford, CT | 5 | $ 1,908,000 | $ 381,600 | $ 0 |
| Oklahoma City, OK | 5 | $ 2,260,000 | $ 452,000 | $ 0 |
| Albuquerque, NM | 4 | $ 1,888,000 | $ 472,000 | $ 0 |
| Burlington-South Burlington, VT | 4 | $ 1,659,000 | $ 414,750 | $ 0 |
| Colorado Springs, CO | 4 | $ 1,384,000 | $ 346,000 | $ 0 |
| Greeley, CO | 4 | $ 884,000 | $ 221,000 | $ 0 |
| Greenville, SC | 4 | $ 738,000 | $ 184,500 | $ 0 |
| Indianapolis, IN | 4 | $ 1,382,000 | $ 345,500 | $ 0 |
| Lakeland, FL | 4 | $ 956,000 | $ 239,000 | $ 0 |
| Lincoln, NE | 4 | $ 619,000 | $ 154,750 | $ 0 |
| Little Rock-North Little Rock, AR | 4 | $ 1,702,000 | $ 425,500 | $ 0 |
| Nashville-Davidson--Murfreesboro, TN | 4 | $ 1,290,000 | $ 322,500 | $ 0 |
| Savannah, GA | 4 | $ 1,404,000 | $ 351,000 | $ 0 |
| Tulsa, OK | 4 | $ 770,000 | $ 192,500 | $ 0 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 4 | $ 1,826,000 | $ 456,500 | $ 0 |
| Wilmington, DE-MD-NJ | 4 | $ 1,271,000 | $ 317,750 | $ 0 |
| Asheville, NC | 3 | $ 1,032,000 | $ 344,000 | $ 0 |
| Bellingham, WA | 3 | $ 482,000 | $ 160,666 | $ 0 |
| Cape Coral-Fort Myers, FL | 3 | $ 1,651,000 | $ 550,333 | $ 0 |
| Charlottesville, VA | 3 | $ 1,362,000 | $ 454,000 | $ 0 |
| Fargo, ND-MN | 3 | $ 620,000 | $ 206,666 | $ 0 |
| Jacksonville, FL | 3 | $ 1,061,000 | $ 353,666 | $ 0 |
| Knoxville, TN | 3 | $ 1,019,000 | $ 339,666 | $ 0 |
| Lansing-East Lansing, MI | 3 | $ 1,162,000 | $ 387,333 | $ 0 |
| Orlando, FL | 3 | $ 1,123,000 | $ 374,333 | $ 0 |
| Poughkeepsie-Newburgh-Middletown, NY | 3 | $ 1,423,000 | $ 474,333 | $ 0 |
| Rochester, MN | 3 | $ 714,000 | $ 238,000 | $ 0 |
| Salem, OR | 3 | $ 696,000 | $ 232,000 | $ 0 |
| Santa Ana-Anaheim-Irvine, CA | 3 | $ 1,352,000 | $ 450,666 | $ 0 |
| Albany-Schenectady-Troy, NY | 2 | $ 733,000 | $ 366,500 | $ 0 |
| Atlantic City, NJ | 2 | $ 455,000 | $ 227,500 | $ 0 |
| Augusta-Richmond County, GA-SC | 2 | $ 700,000 | $ 350,000 | $ 0 |
| Barnstable Town, MA | 2 | $ 881,000 | $ 440,500 | $ 0 |
| Bend, OR | 2 | $ 777,000 | $ 388,500 | $ 0 |
| Birmingham-Hoover, AL | 2 | $ 603,000 | $ 301,500 | $ 0 |
| Brunswick, GA | 2 | $ 1,263,000 | $ 631,500 | $ 0 |
| Cedar Rapids, IA | 2 | $ 1,043,000 | $ 521,500 | $ 0 |
| Dover, DE | 2 | $ 589,000 | $ 294,500 | $ 0 |
| Essex County, MA | 2 | $ 582,000 | $ 291,000 | $ 0 |
| Flagstaff, AZ | 2 | $ 436,000 | $ 218,000 | $ 0 |
| Fort Walton Beach-Crestview-Destin, FL | 2 | $ 636,000 | $ 318,000 | $ 0 |
| Fort Wayne, IN | 2 | $ 419,000 | $ 209,500 | $ 0 |
| Gary, IN | 2 | $ 762,000 | $ 381,000 | $ 0 |
| Grand Rapids-Wyoming, MI | 2 | $ 1,091,000 | $ 545,500 | $ 0 |
| Kalamazoo-Portage, MI | 2 | $ 1,361,000 | $ 680,500 | $ 0 |
| Kennewick-Richland-Pasco, WA | 2 | $ 245,000 | $ 122,500 | $ 0 |
| Los Angeles-Long Beach-Glendale, CA | 2 | $ 624,000 | $ 312,000 | $ 0 |
| Louisville, KY-IN | 2 | $ 935,000 | $ 467,500 | $ 0 |
| Madison, WI | 2 | $ 787,000 | $ 393,500 | $ 0 |
| New Orleans-Metairie-Kenner, LA | 2 | $ 1,188,000 | $ 594,000 | $ 0 |
| Norwich-New London, CT | 2 | $ 375,000 | $ 187,500 | $ 0 |
| Pensacola-Ferry Pass-Brent, FL | 2 | $ 141,000 | $ 70,500 | $ 27,000 |
| Provo-Orem, UT | 2 | $ 1,100,000 | $ 550,000 | $ 0 |
| Racine, WI | 2 | $ 323,000 | $ 161,500 | $ 0 |
| Reading, PA | 2 | $ 260,000 | $ 130,000 | $ 0 |
| Reno-Sparks, NV | 2 | $ 946,000 | $ 473,000 | $ 0 |
| San Antonio, TX | 2 | $ 993,000 | $ 496,500 | $ 0 |
| San Diego-Carlsbad-San Marcos, CA | 2 | $ 1,237,000 | $ 618,500 | $ 0 |
| San Jose-Sunnyvale-Santa Clara, CA | 2 | $ 831,000 | $ 415,500 | $ 0 |
| Santa Fe, NM | 2 | $ 1,398,000 | $ 699,000 | $ 0 |
| Spartanburg, SC | 2 | $ 286,000 | $ 143,000 | $ 0 |
| Springfield, MO | 2 | $ 686,000 | $ 343,000 | $ 0 |
| Akron, OH | 1 | $ 260,000 | $ 260,000 | $ 0 |
| Allentown-Bethlehem-Easton, PA-NJ | 1 | $ 166,000 | $ 166,000 | $ 0 |
| Appleton, WI | 1 | $ 204,000 | $ 204,000 | $ 0 |
| Athens-Clarke County, GA | 1 | $ 355,000 | $ 355,000 | $ 0 |
| Bangor, ME | 1 | $ 230,000 | $ 230,000 | $ 0 |
| Beaumont-Port Arthur, TX | 1 | $ 436,000 | $ 436,000 | $ 0 |
| Blacksburg-Christiansburg-Radford, VA | 1 | $ 136,000 | $ 136,000 | $ 0 |
| Bremerton-Silverdale, WA | 1 | $ 377,000 | $ 377,000 | $ 0 |
| Carson City, NV | 1 | $ 572,000 | $ 572,000 | $ 0 |
| Charleston, WV | 1 | $ 564,000 | $ 564,000 | $ 0 |
| Chattanooga, TN-GA | 1 | $ 477,000 | $ 477,000 | $ 0 |
| College Station-Bryan, TX | 1 | $ 588,000 | $ 588,000 | $ 0 |
| Columbia, MO | 1 | $ 588,000 | $ 588,000 | $ 0 |
| Columbia, SC | 1 | $ 89,000 | $ 89,000 | $ 0 |
| Columbus, GA-AL | 1 | $ 120,000 | $ 120,000 | $ 0 |
| Corpus Christi, TX | 1 | $ 298,000 | $ 298,000 | $ 0 |
| Danville, VA | 1 | $ 82,000 | $ 82,000 | $ 0 |
| Dayton, OH | 1 | $ 132,000 | $ 132,000 | $ 0 |
| Duluth, MN-WI | 1 | $ 479,000 | $ 479,000 | $ 0 |
| Evansville, IN-KY | 1 | $ 599,000 | $ 599,000 | $ 0 |
| Florence-Muscle Shoals, AL | 1 | $ 645,000 | $ 645,000 | $ 0 |
| Fort Smith, AR-OK | 1 | $ 174,000 | $ 174,000 | $ 0 |
| Gainesville, GA | 1 | $ 109,000 | $ 109,000 | $ 0 |
| Grand Junction, CO | 1 | $ 198,000 | $ 198,000 | $ 0 |
| Green Bay, WI | 1 | $ 143,000 | $ 143,000 | $ 0 |
| Greenville, NC | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Hagerstown-Martinsburg, MD-WV | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Hattiesburg, MS | 1 | $ 537,000 | $ 537,000 | $ 0 |
| Hickory-Lenoir-Morganton, NC | 1 | $ 409,000 | $ 409,000 | $ 0 |
| Jackson, TN | 1 | $ 555,000 | $ 555,000 | $ 0 |
| Jonesboro, AR | 1 | $ 163,000 | $ 163,000 | $ 0 |
| Lafayette, IN | 1 | $ 220,000 | $ 220,000 | $ 0 |
| Lancaster, PA | 1 | $ 534,000 | $ 534,000 | $ 0 |
| Longview, WA | 1 | $ 375,000 | $ 375,000 | $ 0 |
| Lubbock, TX | 1 | $ 156,000 | $ 156,000 | $ 0 |
| Macon, GA | 1 | $ 536,000 | $ 536,000 | $ 0 |
| Manchester-Nashua, NH | 1 | $ 419,000 | $ 419,000 | $ 0 |
| Michigan City-La Porte, IN | 1 | $ 371,000 | $ 371,000 | $ 0 |
| Missoula, MT | 1 | $ 158,000 | $ 158,000 | $ 0 |
| Mount Vernon-Anacortes, WA | 1 | $ 167,000 | $ 167,000 | $ 0 |
| Muskegon-Norton Shores, MI | 1 | $ 350,000 | $ 350,000 | $ 0 |
| Myrtle Beach-Conway-North Myrtle Beach, SC | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Napa, CA | 1 | $ 506,000 | $ 506,000 | $ 0 |
| Niles-Benton Harbor, MI | 1 | $ 416,000 | $ 416,000 | $ 0 |
| Oakland-Fremont-Hayward, CA | 1 | $ 339,000 | $ 339,000 | $ 0 |
| Ocean City, NJ | 1 | $ 650,000 | $ 650,000 | $ 0 |
| Ogden-Clearfield, UT | 1 | $ 536,000 | $ 536,000 | $ 0 |
| Oxnard-Thousand Oaks-Ventura, CA | 1 | $ 503,000 | $ 503,000 | $ 0 |
| Peoria, IL | 1 | $ 670,000 | $ 670,000 | $ 0 |
| Port St. Lucie-Fort Pierce, FL | 1 | $ 499,000 | $ 499,000 | $ 0 |
| Portland-South Portland-Biddeford, ME | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Prescott, AZ | 1 | $ 359,000 | $ 359,000 | $ 0 |
| Roanoke, VA | 1 | $ 550,000 | $ 550,000 | $ 0 |
| Rockingham County-Strafford County, NH | 1 | $ 372,000 | $ 372,000 | $ 0 |
| Salisbury, MD | 1 | $ 90,000 | $ 90,000 | $ 0 |
| Sarasota-Bradenton-Venice, FL | 1 | $ 449,000 | $ 449,000 | $ 0 |
| Sherman-Denison, TX | 1 | $ 420,000 | $ 420,000 | $ 0 |
| South Bend-Mishawaka, IN-MI | 1 | $ 163,000 | $ 163,000 | $ 0 |
| Springfield, MA | 1 | $ 213,000 | $ 213,000 | $ 0 |
| St. Cloud, MN | 1 | $ 125,000 | $ 125,000 | $ 0 |
| St. George, UT | 1 | $ 335,000 | $ 335,000 | $ 0 |
| State College, PA | 1 | $ 475,000 | $ 475,000 | $ 0 |
| Stockton, CA | 1 | $ 316,000 | $ 316,000 | $ 0 |
| Sumter, SC | 1 | $ 158,000 | $ 158,000 | $ 0 |
| Tallahassee, FL | 1 | $ 112,000 | $ 112,000 | $ 0 |
| Toledo, OH | 1 | $ 142,000 | $ 142,000 | $ 0 |
| Trenton-Ewing, NJ | 1 | $ 365,000 | $ 365,000 | $ 0 |
| Tuscaloosa, AL | 1 | $ 164,000 | $ 164,000 | $ 0 |
| Valdosta, GA | 1 | $ 240,000 | $ 240,000 | $ 0 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 1 | $ 377,000 | $ 377,000 | $ 0 |
| Winston-Salem, NC | 1 | $ 460,000 | $ 460,000 | $ 0 |
| Yuma, AZ | 1 | $ 212,000 | $ 212,000 | $ 0 |
Mortgage Loan Application Detail Totals for Capitol Federal Savings in 2004
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 | 5,622 | $1,015,008,000 | $361,217 | $1,500,000 | $3,956 | $3,250,000 |
| Refinancing | 2,840 | $572,295,000 | $373,040 | $1,000,000 | $2,673 | $2,900,000 |
| Home Improvement | 497 | $53,886,000 | $128,500 | $1,165,000 | $69,500 | $862,000 |
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 | 6,385 | $908,168,000 | $118,000 | $1,500,000 | $67,750 | $3,250,000 |
| Not applicable | 1,604 | $623,395,000 | $370,400 | $1,000,000 | $240 | $217,000 |
| Black or African American | 358 | $40,025,000 | $116,000 | $597,000 | $56,333 | $306,000 |
| Hispanic | 286 | $27,725,000 | $107,000 | $519,000 | $54,333 | $241,000 |
| Asian | 233 | $32,003,000 | $136,000 | $475,000 | $57,000 | $582,000 |
| American Indian or Alaskan Native | 69 | $7,982,000 | $133,000 | $513,000 | $68,666 | $406,000 |
| Native Hawaiian or Other Pacific Islander | 12 | $1,651,000 | $136,500 | $330,000 | $65,000 | $170,000 |
| Not Provided | 12 | $240,000 | $20,500 | $39,000 | $66,500 | $144,000 |
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) | 8,959 | $1,641,189,000 | $367,360 | $1,500,000 | $3,620 | $3,250,000 |
| 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 | 5,430 | $727,158,000 | $142,500 | $1,500,000 | $71,000 | $2,888,000 |
| Loan Purchased By The Institution | 1,779 | $664,115,000 | $376,244 | $1,190,000 | $3,020 | $3,250,000 |
| Preapproval Denied by Financial Institution | 528 | $67,549,000 | $127,000 | $540,000 | $41,000 | $308,000 |
| Preapproval Approved but not Accepted | 463 | $79,555,000 | $171,000 | $720,000 | $64,000 | $358,000 |
| Application Denied By Financial Institution | 297 | $38,071,000 | $137,500 | $512,000 | $53,500 | $446,000 |
| Application Approved But Not Accepted | 275 | $39,750,000 | $139,000 | $650,000 | $72,500 | $317,000 |
| Application Withdrawn By Applicant | 137 | $16,645,000 | $87,333 | $829,000 | $70,666 | $442,000 |
| File Closed For Incompleteness | 50 | $8,346,000 | $145,500 | $650,000 | $74,000 | $500,000 |
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 | 349 | $38,687,000 | $109,666 | $504,000 | $47,666 | $308,000 |
| Debt-To-Income Ratio | 313 | $43,792,000 | $142,000 | $540,000 | $41,666 | $218,000 |
| Other | 88 | $12,292,000 | $145,000 | $323,000 | $54,333 | $146,000 |
| Collateral | 37 | $5,750,000 | $166,000 | $480,000 | $75,500 | $446,000 |
| Employment History | 19 | $2,034,000 | $98,333 | $260,000 | $33,666 | $108,000 |
| Unverifiable Information | 14 | $2,276,000 | $176,000 | $450,000 | $18,333 | $118,000 |
| Mortgage Insurance Denied | 4 | $468,000 | $117,000 | $171,000 | $50,000 | $97,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $321,000 | $321,000 | $321,000 | $104,000 | $104,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Capitol Federal Savings's 2004 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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