Capitol Federal Savings Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2012
Capitol Federal Savings Bank 2012 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 Bank 700 S Kansas Ave Topeka, KS 66603 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 |
| Total Number of Mortgage Applications | 8,484 |
| Total Mortgage Loan Application Amount | $1,862,539,000 |
| Average Mortgage Loan Application Amount | $200,333 |
| Highest Mortgage Loan Application Amount | $2,400,000 |
| Average Applicant Income | $106,333 |
| Highest Applicant Income | $4,790,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2012 with Capitol Federal Savings Bank. 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 Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2012 breaks down Capitol Federal Savings Bank'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 Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by Capitol Federal Savings Bank, 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 Bank's mortgage activity for 2012.
| 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 | 2,441 | $ 548,582,000 | $ 224,000 | $ 140,000 |
| Sedgwick County Kansas | 1,475 | $ 218,114,000 | $ 147,000 | $ 98,000 |
| Shawnee County Kansas | 762 | $ 91,967,000 | $ 120,000 | $ 86,000 |
| Jackson County Missouri | 393 | $ 80,205,000 | $ 204,000 | $ 140,000 |
| Douglas County Kansas | 387 | $ 64,341,000 | $ 166,000 | $ 104,000 |
| Clay County Missouri | 165 | $ 28,076,000 | $ 170,000 | $ 114,000 |
| Butler County Kansas | 144 | $ 29,254,000 | $ 203,000 | $ 137,000 |
| Boone County Missouri | 142 | $ 26,909,000 | $ 189,000 | $ 110,000 |
| St. Louis County Missouri | 140 | $ 70,841,000 | $ 506,000 | $ 295,000 |
| Wyandotte County Kansas | 137 | $ 13,214,000 | $ 96,000 | $ 59,000 |
| Riley County Kansas | 135 | $ 22,882,000 | $ 169,000 | $ 98,000 |
| Orange County California | 114 | $ 42,710,000 | $ 374,000 | $ 0 |
| Los Angeles County California | 104 | $ 73,411,000 | $ 705,000 | $ 0 |
| Platte County Missouri | 94 | $ 25,778,000 | $ 274,000 | $ 168,000 |
| Riverside County California | 62 | $ 21,865,000 | $ 352,000 | $ 0 |
| Santa Cruz County California | 62 | $ 31,098,000 | $ 501,000 | $ 0 |
| Santa Barbara County California | 61 | $ 36,847,000 | $ 604,000 | $ 0 |
| Cass County Missouri | 61 | $ 18,080,000 | $ 296,000 | $ 172,000 |
| Pottawatomie County Kansas | 60 | $ 8,896,000 | $ 148,000 | $ 82,000 |
| Yolo County California | 50 | $ 19,859,000 | $ 397,000 | $ 0 |
| Greene County Missouri | 48 | $ 15,489,000 | $ 322,000 | $ 292,000 |
| Tulsa County Oklahoma | 45 | $ 24,470,000 | $ 543,000 | $ 440,000 |
| Alameda County California | 44 | $ 26,292,000 | $ 597,000 | $ 0 |
| Lyon County Kansas | 42 | $ 4,241,000 | $ 100,000 | $ 73,000 |
| Saline County Kansas | 42 | $ 4,156,000 | $ 98,000 | $ 62,000 |
| San Diego County California | 38 | $ 20,806,000 | $ 547,000 | $ 0 |
| Miami County Kansas | 37 | $ 7,133,000 | $ 192,000 | $ 118,000 |
| Leavenworth County Kansas | 36 | $ 5,512,000 | $ 153,000 | $ 99,000 |
| San Francisco County California | 32 | $ 24,171,000 | $ 755,000 | $ 0 |
| Jefferson County Kansas | 32 | $ 4,045,000 | $ 126,000 | $ 79,000 |
| Contra Costa County California | 29 | $ 17,593,000 | $ 606,000 | $ 0 |
| Dallas County Texas | 29 | $ 15,002,000 | $ 517,000 | $ 262,000 |
| St. Charles County Missouri | 23 | $ 7,548,000 | $ 328,000 | $ 208,000 |
| Jefferson County Alabama | 19 | $ 11,668,000 | $ 614,000 | $ 334,000 |
| Merced County California | 18 | $ 5,639,000 | $ 313,000 | $ 0 |
| Jackson County Kansas | 17 | $ 1,850,000 | $ 108,000 | $ 84,000 |
| Osage County Kansas | 17 | $ 1,629,000 | $ 95,000 | $ 70,000 |
| Christian County Missouri | 16 | $ 6,270,000 | $ 391,000 | $ 192,000 |
| Harvey County Kansas | 14 | $ 1,640,000 | $ 117,000 | $ 93,000 |
| Williamson County Tennessee | 14 | $ 8,148,000 | $ 582,000 | $ 304,000 |
| Franklin County Kansas | 12 | $ 1,928,000 | $ 160,000 | $ 77,000 |
| Wabaunsee County Kansas | 12 | $ 1,607,000 | $ 133,000 | $ 84,000 |
| Madison County Alabama | 11 | $ 6,747,000 | $ 613,000 | $ 268,000 |
| Sacramento County California | 9 | $ 4,873,000 | $ 541,000 | $ 0 |
| Tarrant County Texas | 9 | $ 5,945,000 | $ 660,000 | $ 308,000 |
| St. Louis City County Missouri | 8 | $ 2,079,000 | $ 259,000 | $ 126,000 |
| Davidson County Tennessee | 8 | $ 4,687,000 | $ 585,000 | $ 209,000 |
| San Mateo County California | 7 | $ 5,432,000 | $ 776,000 | $ 0 |
| Callaway County Missouri | 7 | $ 962,000 | $ 137,000 | $ 86,000 |
| Iredell County North Carolina | 7 | $ 3,714,000 | $ 530,000 | $ 274,000 |
| Harris County Texas | 7 | $ 3,343,000 | $ 477,000 | $ 274,000 |
| Kingman County Kansas | 6 | $ 632,000 | $ 105,000 | $ 130,000 |
| Reno County Kansas | 6 | $ 873,000 | $ 145,000 | $ 82,000 |
| Sumner County Kansas | 6 | $ 680,000 | $ 113,000 | $ 64,000 |
| Jefferson County Missouri | 6 | $ 1,443,000 | $ 240,000 | $ 108,000 |
| Marin County California | 5 | $ 4,500,000 | $ 900,000 | $ 0 |
| Mariposa County California | 5 | $ 1,311,000 | $ 262,000 | $ 0 |
| Santa Clara County California | 5 | $ 3,355,000 | $ 671,000 | $ 0 |
| Chase County Kansas | 5 | $ 438,000 | $ 87,000 | $ 70,000 |
| Geary County Kansas | 5 | $ 597,000 | $ 119,000 | $ 63,000 |
| Shelby County Alabama | 4 | $ 1,927,000 | $ 481,000 | $ 200,000 |
| Pulaski County Arkansas | 4 | $ 1,906,000 | $ 476,000 | $ 293,000 |
| Ventura County California | 4 | $ 1,782,000 | $ 445,000 | $ 0 |
| Clay County Kansas | 4 | $ 580,000 | $ 145,000 | $ 98,000 |
| Collin County Texas | 4 | $ 1,454,000 | $ 363,000 | $ 231,000 |
| Limestone County Alabama | 3 | $ 924,000 | $ 308,000 | $ 195,000 |
| Coffey County Kansas | 3 | $ 270,000 | $ 90,000 | $ 67,000 |
| Linn County Kansas | 3 | $ 509,000 | $ 169,000 | $ 238,000 |
| McPherson County Kansas | 3 | $ 467,000 | $ 155,000 | $ 90,000 |
| Morris County Kansas | 3 | $ 181,000 | $ 60,000 | $ 53,000 |
| Camden County Missouri | 3 | $ 868,000 | $ 289,000 | $ 293,000 |
| Clinton County Missouri | 3 | $ 358,000 | $ 119,000 | $ 83,000 |
| Lancaster County Nebraska | 3 | $ 1,831,000 | $ 610,000 | $ 701,000 |
| Delaware County Oklahoma | 3 | $ 2,123,000 | $ 707,000 | $ 1,621,000 |
| Oklahoma County Oklahoma | 3 | $ 896,000 | $ 298,000 | $ 162,000 |
| Denton County Texas | 3 | $ 1,706,000 | $ 568,000 | $ 227,000 |
| Elmore County Alabama | 2 | $ 1,210,000 | $ 605,000 | $ 277,000 |
| Denver County Colorado | 2 | $ 1,437,000 | $ 718,000 | $ 228,000 |
| St. Clair County Illinois | 2 | $ 352,000 | $ 176,000 | $ 70,000 |
| Greenwood County Kansas | 2 | $ 228,000 | $ 114,000 | $ 65,000 |
| Cole County Missouri | 2 | $ 334,000 | $ 167,000 | $ 75,000 |
| Cooper County Missouri | 2 | $ 284,000 | $ 142,000 | $ 87,000 |
| Franklin County Missouri | 2 | $ 488,000 | $ 244,000 | $ 109,000 |
| Howard County Missouri | 2 | $ 262,000 | $ 131,000 | $ 63,000 |
| Webster County Missouri | 2 | $ 973,000 | $ 486,000 | $ 143,000 |
| Cass County Nebraska | 2 | $ 809,000 | $ 404,000 | $ 233,000 |
| Douglas County Nebraska | 2 | $ 859,000 | $ 429,000 | $ 101,000 |
| Rogers County Oklahoma | 2 | $ 1,106,000 | $ 553,000 | $ 182,000 |
| San Luis Obispo County California | 1 | $ 654,000 | $ 654,000 | $ 0 |
| Stanislaus County California | 1 | $ 266,000 | $ 266,000 | $ 0 |
| Douglas County Colorado | 1 | $ 494,000 | $ 494,000 | $ 225,000 |
| Madison County Illinois | 1 | $ 305,000 | $ 305,000 | $ 185,000 |
| Atchison County Kansas | 1 | $ 62,000 | $ 62,000 | $ 55,000 |
| Cowley County Kansas | 1 | $ 108,000 | $ 108,000 | $ 78,000 |
| Dickinson County Kansas | 1 | $ 230,000 | $ 230,000 | $ 172,000 |
| Marshall County Kansas | 1 | $ 30,000 | $ 30,000 | $ 131,000 |
| Montgomery County Kansas | 1 | $ 8,000 | $ 8,000 | $ 50,000 |
| Ottawa County Kansas | 1 | $ 43,000 | $ 43,000 | $ 98,000 |
| Cumberland County Maine | 1 | $ 665,000 | $ 665,000 | $ 144,000 |
| Olmsted County Minnesota | 1 | $ 641,000 | $ 641,000 | $ 380,000 |
| Harrison County Mississippi | 1 | $ 790,000 | $ 790,000 | $ 944,000 |
| Audrain County Missouri | 1 | $ 165,000 | $ 165,000 | $ 123,000 |
| Johnson County Missouri | 1 | $ 107,000 | $ 107,000 | $ 59,000 |
| Lafayette County Missouri | 1 | $ 118,000 | $ 118,000 | $ 136,000 |
| Miller County Missouri | 1 | $ 94,000 | $ 94,000 | $ 50,000 |
| Osage County Missouri | 1 | $ 111,000 | $ 111,000 | $ 67,000 |
| Ray County Missouri | 1 | $ 105,000 | $ 105,000 | $ 104,000 |
| Stone County Missouri | 1 | $ 500,000 | $ 500,000 | $ 146,000 |
| Taney County Missouri | 1 | $ 192,000 | $ 192,000 | $ 60,000 |
| Sarpy County Nebraska | 1 | $ 508,000 | $ 508,000 | $ 242,000 |
| Saunders County Nebraska | 1 | $ 560,000 | $ 560,000 | $ 267,000 |
| Forsyth County North Carolina | 1 | $ 500,000 | $ 500,000 | $ 325,000 |
| Guilford County North Carolina | 1 | $ 518,000 | $ 518,000 | $ 212,000 |
| Mecklenburg County North Carolina | 1 | $ 487,000 | $ 487,000 | $ 250,000 |
| Creek County Oklahoma | 1 | $ 500,000 | $ 500,000 | $ 223,000 |
| York County South Carolina | 1 | $ 491,000 | $ 491,000 | $ 172,000 |
| Blount County Tennessee | 1 | $ 580,000 | $ 580,000 | $ 231,000 |
| Fayette County Tennessee | 1 | $ 500,000 | $ 500,000 | $ 183,000 |
| Haywood County Tennessee | 1 | $ 249,000 | $ 249,000 | $ 61,000 |
| Henderson County Tennessee | 1 | $ 228,000 | $ 228,000 | $ 218,000 |
| Loudon County Tennessee | 1 | $ 195,000 | $ 195,000 | $ 52,000 |
| Bell County Texas | 1 | $ 450,000 | $ 450,000 | $ 346,000 |
| Fort Bend County Texas | 1 | $ 800,000 | $ 800,000 | $ 295,000 |
| Montgomery County Texas | 1 | $ 500,000 | $ 500,000 | $ 147,000 |
| Randall County Texas | 1 | $ 632,000 | $ 632,000 | $ 310,000 |
| Rockwall County Texas | 1 | $ 455,000 | $ 455,000 | $ 615,000 |
| Travis County Texas | 1 | $ 496,000 | $ 496,000 | $ 201,000 |
| Wichita County Texas | 1 | $ 545,000 | $ 545,000 | $ 1,171,000 |
Mortgage Loan Application Detail Totals for Capitol Federal Savings Bank in 2012
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 | 4,567 | $926,562,000 | $202,000 | $1,417,000 | $132,000 | $3,748,000 |
| Home Purchase | 3,288 | $846,570,000 | $257,000 | $2,400,000 | $87,000 | $4,790,000 |
| Home Improvement | 629 | $89,407,000 | $142,000 | $900,000 | $100,000 | $593,000 |
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 | 6,347 | $1,264,399,000 | $199,000 | $2,400,000 | $124,000 | $3,748,000 |
| Not Provided | 736 | $136,483,000 | $185,000 | $2,064,000 | $130,000 | $4,790,000 |
| Not applicable | 658 | $343,050,000 | $521,000 | $1,929,000 | $1,000 | $315,000 |
| Asian | 258 | $57,525,000 | $222,000 | $1,283,000 | $136,000 | $1,017,000 |
| Hispanic | 229 | $29,349,000 | $128,000 | $787,000 | $74,000 | $574,000 |
| Black or African American | 180 | $20,486,000 | $113,000 | $600,000 | $58,000 | $354,000 |
| American Indian or Alaskan Native | 60 | $7,994,000 | $133,000 | $700,000 | $79,000 | $300,000 |
| Native Hawaiian or Other Pacific Islander | 16 | $3,253,000 | $203,000 | $560,000 | $97,000 | $295,000 |
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) | 8,224 | $1,832,376,000 | $222,000 | $2,400,000 | $114,000 | $4,790,000 |
| FHA-insured (Federal Housing Administration) | 260 | $30,163,000 | $116,000 | $274,000 | $58,000 | $910,000 |
| 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 | 5,488 | $1,134,177,000 | $206,000 | $1,500,000 | $134,000 | $4,790,000 |
| Application Denied By Financial Institution | 676 | $124,902,000 | $184,000 | $2,400,000 | $94,000 | $2,400,000 |
| Loan Purchased By The Institution | 651 | $342,464,000 | $526,000 | $1,929,000 | $0 | $0 |
| Preapproval Denied by Financial Institution | 640 | $80,156,000 | $125,000 | $1,350,000 | $54,000 | $910,000 |
| Application Withdrawn By Applicant | 493 | $86,949,000 | $176,000 | $1,500,000 | $124,000 | $984,000 |
| File Closed For Incompleteness | 322 | $57,765,000 | $179,000 | $2,064,000 | $117,000 | $969,000 |
| Application Approved But Not Accepted | 214 | $36,126,000 | $168,000 | $900,000 | $107,000 | $643,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 455 | $53,527,000 | $117,000 | $600,000 | $64,000 | $910,000 |
| Debt-To-Income Ratio | 445 | $74,428,000 | $167,000 | $2,080,000 | $55,000 | $535,000 |
| Collateral | 228 | $47,684,000 | $209,000 | $2,400,000 | $129,000 | $2,400,000 |
| Other | 121 | $18,947,000 | $156,000 | $1,350,000 | $91,000 | $1,260,000 |
| Employment History | 39 | $5,471,000 | $140,000 | $576,000 | $53,000 | $180,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 19 | $2,619,000 | $137,000 | $380,000 | $80,000 | $219,000 |
| Unverifiable Information | 5 | $1,734,000 | $346,000 | $500,000 | $38,000 | $105,000 |
| Mortgage Insurance Denied | 4 | $648,000 | $162,000 | $258,000 | $59,000 | $100,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Capitol Federal Savings Bank's 2012 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.
For a list of all lenders in Kansas, download the full spreadsheet
with aggregated HMDA statistics today.