Capitol Federal Savings Bank Mortgage Lending & HMDA Data, 2011

In 2011, Capitol Federal Savings Bank of Topeka, KS reported 7,346 mortgage applications totaling $1.3 billion. The average application was for $174,133, and applicants reported an average income of $104,510. 61% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Kansas City, MO-KS (2,814), Wichita, KS (1,530) and Topeka, KS (753) (applications in parentheses).

Mortgage Company & Address Capitol Federal Savings Bank
700 S Kansas Ave
Topeka, KS 66603
Tel #: available with data download
Federal Regulator * available with data download
Years 2025  2024  2023  2022  2021  2020  2019  2018  2017  2016  2015  2014  2013  2012  2011  
Total Number of Mortgage Applications 7,346
Total Mortgage Loan Application Amount $1,279,182,000
Average Mortgage Loan Application Amount $174,133
Highest Mortgage Loan Application Amount $2,371,000
Average Applicant Income $104,510
Highest Applicant Income $2,504,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Capitol Federal Savings Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.

Mortgage Loan Application Totals for Capitol Federal Savings Bank by County in 2011

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Johnson, Kansas 2,058 $ 437,582,000 $ 212,624 $ 141,000
Sedgwick, Kansas 1,345 $ 191,458,000 $ 142,347 $ 95,000
Shawnee, Kansas 670 $ 82,573,000 $ 123,243 $ 87,000
Douglas, Kansas 332 $ 56,113,000 $ 169,015 $ 107,000
Jackson, Missouri 316 $ 57,666,000 $ 182,487 $ 136,000
Butler, Kansas 154 $ 28,169,000 $ 182,915 $ 125,000
Lancaster, Nebraska 150 $ 18,635,000 $ 124,233 $ 3,000
Riley, Kansas 130 $ 19,916,000 $ 153,200 $ 92,000
Clay, Missouri 123 $ 22,429,000 $ 182,349 $ 124,000
Douglas, Nebraska 104 $ 13,358,000 $ 128,442 $ 0
Wyandotte, Kansas 94 $ 9,477,000 $ 100,819 $ 64,000
Platte, Missouri 77 $ 20,354,000 $ 264,337 $ 163,000
Boone, Missouri 74 $ 16,304,000 $ 220,324 $ 102,000
St. Louis, Missouri 71 $ 34,363,000 $ 483,985 $ 281,000
Cass, Missouri 57 $ 17,594,000 $ 308,666 $ 204,000
Saline, Kansas 56 $ 5,674,000 $ 101,321 $ 71,000
Greene, Missouri 55 $ 21,789,000 $ 396,163 $ 283,000
Pottawatomie, Kansas 49 $ 6,668,000 $ 136,081 $ 84,000
Miami, Kansas 45 $ 11,015,000 $ 244,777 $ 144,000
Lyon, Kansas 44 $ 4,333,000 $ 98,477 $ 74,000
Leavenworth, Kansas 35 $ 7,015,000 $ 200,428 $ 115,000
Sarpy, Nebraska 34 $ 5,162,000 $ 151,823 $ 4,000
Pottawattamie, Iowa 31 $ 3,222,000 $ 103,935 $ 0
Osage, Kansas 29 $ 3,348,000 $ 115,448 $ 82,000
Hall, Nebraska 29 $ 2,726,000 $ 94,000 $ 0
Adams, Nebraska 26 $ 2,298,000 $ 88,384 $ 0
Jefferson, Kansas 25 $ 2,537,000 $ 101,480 $ 78,000
Harvey, Kansas 22 $ 2,566,000 $ 116,636 $ 76,000
Hamilton, Nebraska 22 $ 2,393,000 $ 108,772 $ 0
Buffalo, Nebraska 19 $ 2,086,000 $ 109,789 $ 0
Platte, Nebraska 17 $ 1,682,000 $ 98,941 $ 0
Wabaunsee, Kansas 16 $ 2,120,000 $ 132,500 $ 70,000
York, Nebraska 16 $ 1,380,000 $ 86,250 $ 0
Jefferson, Alabama 15 $ 8,878,000 $ 591,866 $ 345,000
Lincoln, Nebraska 15 $ 1,447,000 $ 96,466 $ 0
Phelps, Nebraska 14 $ 1,023,000 $ 73,071 $ 0
Jackson, Kansas 13 $ 1,420,000 $ 109,230 $ 76,000
Christian, Missouri 13 $ 7,485,000 $ 575,769 $ 398,000
Washington, Nebraska 13 $ 2,008,000 $ 154,461 $ 0
St. Charles, Missouri 11 $ 2,783,000 $ 253,000 $ 116,000
Cuming, Nebraska 11 $ 754,000 $ 68,545 $ 0
Dawson, Nebraska 11 $ 939,000 $ 85,363 $ 0
Hennepin, Minnesota 10 $ 2,594,000 $ 259,400 $ 0
Sumner, Kansas 9 $ 832,000 $ 92,444 $ 64,000
Cass, Nebraska 9 $ 1,649,000 $ 183,222 $ 0
Dodge, Nebraska 9 $ 1,045,000 $ 116,111 $ 0
Page, Iowa 8 $ 544,000 $ 68,000 $ 0
Dickinson, Kansas 8 $ 881,000 $ 110,125 $ 78,000
Cedar, Nebraska 8 $ 863,000 $ 107,875 $ 0
Gage, Nebraska 8 $ 791,000 $ 98,875 $ 0
Saunders, Nebraska 8 $ 840,000 $ 105,000 $ 0
Seward, Nebraska 8 $ 819,000 $ 102,375 $ 0
Tulsa, Oklahoma 8 $ 5,403,000 $ 675,375 $ 359,000
Coffey, Kansas 7 $ 874,000 $ 124,857 $ 68,000
McPherson, Kansas 6 $ 613,000 $ 102,166 $ 88,000
Custer, Nebraska 6 $ 382,000 $ 63,666 $ 0
Saline, Nebraska 6 $ 535,000 $ 89,166 $ 0
Wayne, Nebraska 6 $ 442,000 $ 73,666 $ 0
Woodbury, Iowa 5 $ 543,000 $ 108,600 $ 0
Franklin, Kansas 5 $ 842,000 $ 168,400 $ 82,000
Geary, Kansas 5 $ 940,000 $ 188,000 $ 89,000
Marshall, Kansas 5 $ 466,000 $ 93,200 $ 0
Polk, Nebraska 5 $ 233,000 $ 46,600 $ 0
Richardson, Nebraska 5 $ 260,000 $ 52,000 $ 0
Fremont, Iowa 4 $ 265,000 $ 66,250 $ 0
Montgomery, Iowa 4 $ 337,000 $ 84,250 $ 0
Reno, Kansas 4 $ 449,000 $ 112,250 $ 70,000
Ramsey, Minnesota 4 $ 1,015,000 $ 253,750 $ 0
Dakota, Nebraska 4 $ 371,000 $ 92,750 $ 0
Holt, Nebraska 4 $ 301,000 $ 75,250 $ 0
Merrick, Nebraska 4 $ 386,000 $ 96,500 $ 0
Nemaha, Nebraska 4 $ 431,000 $ 107,750 $ 0
Otoe, Nebraska 4 $ 206,000 $ 51,500 $ 0
Thayer, Nebraska 4 $ 289,000 $ 72,250 $ 0
Pulaski, Arkansas 3 $ 2,436,000 $ 812,000 $ 425,000
Monroe, Illinois 3 $ 448,000 $ 149,333 $ 0
Cass, Iowa 3 $ 195,000 $ 65,000 $ 0
Mills, Iowa 3 $ 404,000 $ 134,666 $ 0
Kingman, Kansas 3 $ 292,000 $ 97,333 $ 82,000
Butler, Nebraska 3 $ 149,000 $ 49,666 $ 0
Cheyenne, Nebraska 3 $ 210,000 $ 70,000 $ 0
Dixon, Nebraska 3 $ 206,000 $ 68,666 $ 0
Gosper, Nebraska 3 $ 294,000 $ 98,000 $ 0
Knox, Nebraska 3 $ 149,000 $ 49,666 $ 0
Nance, Nebraska 3 $ 132,000 $ 44,000 $ 0
Valley, Nebraska 3 $ 214,000 $ 71,333 $ 0
Gregory, South Dakota 3 $ 197,000 $ 65,666 $ 0
Williamson, Tennessee 3 $ 1,731,000 $ 577,000 $ 214,000
Dallas, Texas 3 $ 3,653,000 $ 1,217,666 $ 893,000
Pinal, Arizona 2 $ 368,000 $ 184,000 $ 0
Plymouth, Iowa 2 $ 212,000 $ 106,000 $ 0
Clay, Kansas 2 $ 187,000 $ 93,500 $ 40,000
Cowley, Kansas 2 $ 99,000 $ 49,500 $ 73,000
Morris, Kansas 2 $ 75,000 $ 37,500 $ 94,000
Ottawa, Kansas 2 $ 309,000 $ 154,500 $ 50,000
Cass, Minnesota 2 $ 485,000 $ 242,500 $ 0
Dakota, Minnesota 2 $ 420,000 $ 210,000 $ 0
Olmsted, Minnesota 2 $ 227,000 $ 113,500 $ 0
Barry, Missouri 2 $ 1,045,000 $ 522,500 $ 85,000
Callaway, Missouri 2 $ 221,000 $ 110,500 $ 81,000
Camden, Missouri 2 $ 231,000 $ 115,500 $ 293,000
Clinton, Missouri 2 $ 205,000 $ 102,500 $ 107,000
Cooper, Missouri 2 $ 168,000 $ 84,000 $ 39,000
Franklin, Missouri 2 $ 394,000 $ 197,000 $ 135,000
St. Louis City, Missouri 2 $ 434,000 $ 217,000 $ 208,000
Stone, Missouri 2 $ 1,205,000 $ 602,500 $ 740,000
Webster, Missouri 2 $ 639,000 $ 319,500 $ 159,000
Brown, Nebraska 2 $ 238,000 $ 119,000 $ 0
Colfax, Nebraska 2 $ 163,000 $ 81,500 $ 0
Fillmore, Nebraska 2 $ 82,000 $ 41,000 $ 0
Harlan, Nebraska 2 $ 76,000 $ 38,000 $ 0
Kearney, Nebraska 2 $ 195,000 $ 97,500 $ 0
Keith, Nebraska 2 $ 214,000 $ 107,000 $ 0
Tripp, South Dakota 2 $ 215,000 $ 107,500 $ 0
Davidson, Tennessee 2 $ 1,094,000 $ 547,000 $ 274,000
Harris, Texas 2 $ 960,000 $ 480,000 $ 262,000
Sweetwater, Wyoming 2 $ 269,000 $ 134,500 $ 0
Madison, Alabama 1 $ 500,000 $ 500,000 $ 257,000
Shelby, Alabama 1 $ 650,000 $ 650,000 $ 403,000
Maricopa, Arizona 1 $ 381,000 $ 381,000 $ 0
Benton, Arkansas 1 $ 123,000 $ 123,000 $ 0
Sonoma, California 1 $ 335,000 $ 335,000 $ 0
Denver, Colorado 1 $ 1,500,000 $ 1,500,000 $ 364,000
Weld, Colorado 1 $ 278,000 $ 278,000 $ 0
Pinellas, Florida 1 $ 159,000 $ 159,000 $ 0
Franklin, Illinois 1 $ 74,000 $ 74,000 $ 0
Saline, Illinois 1 $ 50,000 $ 50,000 $ 0
Adair, Iowa 1 $ 120,000 $ 120,000 $ 0
Audubon, Iowa 1 $ 87,000 $ 87,000 $ 0
Dickinson, Iowa 1 $ 62,000 $ 62,000 $ 0
Harrison, Iowa 1 $ 96,000 $ 96,000 $ 0
Johnson, Iowa 1 $ 117,000 $ 117,000 $ 0
Shelby, Iowa 1 $ 99,000 $ 99,000 $ 0
Taylor, Iowa 1 $ 97,000 $ 97,000 $ 0
Bourbon, Kansas 1 $ 57,000 $ 57,000 $ 76,000
Chase, Kansas 1 $ 45,000 $ 45,000 $ 54,000
Harper, Kansas 1 $ 2,000 $ 2,000 $ 26,000
Lincoln, Kansas 1 $ 72,000 $ 72,000 $ 57,000
Pawnee, Kansas 1 $ 41,000 $ 41,000 $ 84,000
Anoka, Minnesota 1 $ 110,000 $ 110,000 $ 0
Sherburne, Minnesota 1 $ 230,000 $ 230,000 $ 0
Washington, Minnesota 1 $ 289,000 $ 289,000 $ 0
Johnson, Missouri 1 $ 91,000 $ 91,000 $ 48,000
Lafayette, Missouri 1 $ 25,000 $ 25,000 $ 12,000
Moniteau, Missouri 1 $ 120,000 $ 120,000 $ 98,000
Randolph, Missouri 1 $ 88,000 $ 88,000 $ 45,000
Ray, Missouri 1 $ 113,000 $ 113,000 $ 79,000
Taney, Missouri 1 $ 500,000 $ 500,000 $ 304,000
Warren, Missouri 1 $ 650,000 $ 650,000 $ 417,000
Boone, Nebraska 1 $ 107,000 $ 107,000 $ 0
Burt, Nebraska 1 $ 82,000 $ 82,000 $ 0
Chase, Nebraska 1 $ 336,000 $ 336,000 $ 0
Clay, Nebraska 1 $ 43,000 $ 43,000 $ 0
Furnas, Nebraska 1 $ 49,000 $ 49,000 $ 0
Hitchcock, Nebraska 1 $ 123,000 $ 123,000 $ 0
Howard, Nebraska 1 $ 71,000 $ 71,000 $ 0
Johnson, Nebraska 1 $ 211,000 $ 211,000 $ 0
Nuckolls, Nebraska 1 $ 120,000 $ 120,000 $ 0
Pierce, Nebraska 1 $ 28,000 $ 28,000 $ 0
Red Willow, Nebraska 1 $ 92,000 $ 92,000 $ 0
Sherman, Nebraska 1 $ 120,000 $ 120,000 $ 0
Clark, Nevada 1 $ 192,000 $ 192,000 $ 0
Torrance, New Mexico 1 $ 102,000 $ 102,000 $ 0
Brule, South Dakota 1 $ 54,000 $ 54,000 $ 0
Charles Mix, South Dakota 1 $ 215,000 $ 215,000 $ 0
Turner, South Dakota 1 $ 122,000 $ 122,000 $ 0
Union, South Dakota 1 $ 216,000 $ 216,000 $ 0
Shelby, Tennessee 1 $ 500,000 $ 500,000 $ 262,000
Fort Bend, Texas 1 $ 563,000 $ 563,000 $ 221,000
Grayson, Texas 1 $ 520,000 $ 520,000 $ 144,000
Travis, Texas 1 $ 194,000 $ 194,000 $ 0
Uinta, Wyoming 1 $ 282,000 $ 282,000 $ 0

Mortgage Loan Application Detail Totals for Capitol Federal Savings Bank in 2011

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 4,262 $750,498,000 $176,000 $2,371,000 $107,000 $2,504,000
Home Purchase 2,606 $476,307,000 $182,000 $1,500,000 $102,000 $1,880,000
Home Improvement 478 $52,377,000 $109,000 $800,000 $96,000 $950,000

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 5,312 $982,337,000 $184,000 $2,371,000 $119,000 $2,504,000
Not applicable 783 $91,046,000 $116,000 $403,000 $1,000 $513,000
Not Provided 634 $117,261,000 $184,000 $1,250,000 $124,000 $1,233,000
Asian 217 $42,000,000 $193,000 $960,000 $125,000 $1,000,000
Hispanic 184 $23,916,000 $129,000 $800,000 $84,000 $669,000
Black or African American 169 $15,940,000 $94,000 $651,000 $56,000 $517,000
American Indian or Alaskan Native 37 $5,647,000 $152,000 $1,500,000 $109,000 $1,253,000
Native Hawaiian or Other Pacific Islander 10 $1,035,000 $103,000 $258,000 $58,000 $110,000

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) 7,147 $1,254,533,000 $175,000 $2,371,000 $106,000 $2,504,000
FHA-insured (Federal Housing Administration) 199 $24,649,000 $123,000 $274,000 $57,000 $180,000
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 4,490 $838,877,000 $186,000 $2,371,000 $127,000 $2,504,000
Loan Purchased By The Institution 773 $89,208,000 $115,000 $403,000 $0 $0
Application Denied By Financial Institution 607 $112,310,000 $185,000 $1,500,000 $86,000 $1,234,000
Preapproval Denied by Financial Institution 555 $79,356,000 $142,000 $975,000 $62,000 $1,300,000
Application Withdrawn By Applicant 454 $75,506,000 $166,000 $1,500,000 $122,000 $1,350,000
File Closed For Incompleteness 284 $53,402,000 $188,000 $1,000,000 $127,000 $1,225,000
Application Approved But Not Accepted 183 $30,523,000 $166,000 $900,000 $110,000 $794,000
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 459 $82,698,000 $180,000 $1,035,000 $56,000 $440,000
Credit History 374 $41,277,000 $110,000 $975,000 $65,000 $1,300,000
Collateral 149 $35,586,000 $238,000 $1,500,000 $133,000 $1,234,000
Other 119 $21,899,000 $184,000 $1,100,000 $109,000 $735,000
Employment History 30 $3,887,000 $129,000 $800,000 $55,000 $377,000
Insufficient Cash (Downpayment, Closing Cost) 17 $3,258,000 $191,000 $636,000 $95,000 $368,000
Unverifiable Information 12 $2,351,000 $195,000 $580,000 $52,000 $313,000
Mortgage Insurance Denied 2 $710,000 $355,000 $518,000 $98,000 $142,000
Credit Application Incomplete 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Capitol Federal Savings Bank's 2011 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 Bank'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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