Capitol Federal Savings Bank Mortgage Lending & HMDA Data, 2015

In 2015, Capitol Federal Savings Bank of Topeka, KS reported 7,022 mortgage applications totaling $1.8 billion, up 30% from 2014. The average application was for $250,905, and applicants reported an average income of $146,809. 74% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Kansas City, MO-KS (2,774), Wichita, KS (1,170) and St. Louis, MO-IL (506) (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 7,022
Total Mortgage Loan Application Amount $1,761,858,000
Average Mortgage Loan Application Amount $250,905
Highest Mortgage Loan Application Amount $1,550,000
Average Applicant Income $146,809
Highest Applicant Income $2,868,000

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records Capitol Federal Savings Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2015

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Johnson, Kansas 1,807 $ 470,707,000 $ 260,490 $ 152,000
Sedgwick, Kansas 1,037 $ 173,763,000 $ 167,563 $ 112,000
Shawnee, Kansas 441 $ 60,141,000 $ 136,374 $ 92,000
Jackson, Missouri 380 $ 79,652,000 $ 209,610 $ 119,000
St. Louis, Missouri 295 $ 109,238,000 $ 370,298 $ 215,000
Douglas, Kansas 277 $ 51,040,000 $ 184,259 $ 115,000
Clay, Missouri 178 $ 39,662,000 $ 222,820 $ 141,000
Wyandotte, Kansas 134 $ 13,461,000 $ 100,455 $ 69,000
St. Charles, Missouri 132 $ 29,644,000 $ 224,575 $ 114,000
Platte, Missouri 118 $ 31,635,000 $ 268,093 $ 161,000
Dallas, Texas 110 $ 61,833,000 $ 562,118 $ 301,000
Riley, Kansas 108 $ 19,692,000 $ 182,333 $ 124,000
Butler, Kansas 107 $ 22,397,000 $ 209,317 $ 123,000
Boone, Missouri 76 $ 17,947,000 $ 236,144 $ 135,000
Williamson, Tennessee 74 $ 42,135,000 $ 569,391 $ 257,000
Greene, Missouri 69 $ 21,596,000 $ 312,985 $ 263,000
Cass, Missouri 60 $ 16,456,000 $ 274,266 $ 171,000
Travis, Texas 50 $ 27,879,000 $ 557,580 $ 284,000
Leavenworth, Kansas 49 $ 9,895,000 $ 201,938 $ 131,000
Miami, Kansas 46 $ 12,075,000 $ 262,500 $ 166,000
Pottawatomie, Kansas 43 $ 6,881,000 $ 160,023 $ 86,000
Collin, Texas 40 $ 20,184,000 $ 504,600 $ 252,000
Jefferson, Alabama 34 $ 19,017,000 $ 559,323 $ 315,000
Harris, Texas 33 $ 18,538,000 $ 561,757 $ 307,000
Lyon, Kansas 31 $ 2,981,000 $ 96,161 $ 96,000
Tarrant, Texas 31 $ 18,310,000 $ 590,645 $ 336,000
Jefferson, Missouri 29 $ 4,869,000 $ 167,896 $ 86,000
Fulton, Georgia 26 $ 13,994,000 $ 538,230 $ 252,000
Denton, Texas 26 $ 14,603,000 $ 561,653 $ 393,000
Denver, Colorado 25 $ 13,851,000 $ 554,040 $ 310,000
St. Louis City, Missouri 25 $ 5,759,000 $ 230,360 $ 115,000
Davidson, Tennessee 24 $ 14,169,000 $ 590,375 $ 296,000
Christian, Missouri 21 $ 6,775,000 $ 322,619 $ 180,000
Saline, Kansas 19 $ 2,097,000 $ 110,368 $ 65,000
Shelby, Tennessee 18 $ 8,232,000 $ 457,333 $ 250,000
Harvey, Kansas 16 $ 2,405,000 $ 150,312 $ 84,000
Jefferson, Kansas 16 $ 2,024,000 $ 126,500 $ 80,000
Chatham, Georgia 15 $ 7,043,000 $ 469,533 $ 243,000
Wabaunsee, Kansas 13 $ 1,711,000 $ 131,615 $ 58,000
Lancaster, Nebraska 13 $ 7,036,000 $ 541,230 $ 344,000
Jefferson, Colorado 12 $ 5,771,000 $ 480,916 $ 188,000
Bucks, Pennsylvania 12 $ 7,627,000 $ 635,583 $ 412,000
Fort Bend, Texas 12 $ 6,737,000 $ 561,416 $ 341,000
Cobb, Georgia 11 $ 4,426,000 $ 402,363 $ 296,000
Franklin, Missouri 11 $ 2,299,000 $ 209,000 $ 87,000
DeKalb, Georgia 10 $ 5,556,000 $ 555,600 $ 268,000
Tulsa, Oklahoma 10 $ 4,909,000 $ 490,900 $ 327,000
Oklahoma, Oklahoma 9 $ 4,864,000 $ 540,444 $ 498,000
Chester, Pennsylvania 9 $ 5,534,000 $ 614,888 $ 370,000
Douglas, Colorado 8 $ 4,393,000 $ 549,125 $ 198,000
Jackson, Kansas 7 $ 686,000 $ 98,000 $ 67,000
Osage, Kansas 7 $ 851,000 $ 121,571 $ 84,000
Sumner, Kansas 7 $ 1,484,000 $ 212,000 $ 120,000
Montgomery, Pennsylvania 7 $ 3,531,000 $ 504,428 $ 359,000
Charleston, South Carolina 7 $ 3,208,000 $ 458,285 $ 147,000
Sumner, Tennessee 7 $ 2,036,000 $ 290,857 $ 70,000
St. Clair, Illinois 6 $ 1,100,000 $ 183,333 $ 117,000
Mecklenburg, North Carolina 6 $ 3,179,000 $ 529,833 $ 260,000
Lubbock, Texas 6 $ 3,514,000 $ 585,666 $ 413,000
Arapahoe, Colorado 5 $ 1,876,000 $ 375,200 $ 141,000
Coffey, Kansas 5 $ 646,000 $ 129,200 $ 69,000
Franklin, Kansas 5 $ 563,000 $ 112,600 $ 77,000
Douglas, Nebraska 5 $ 2,724,000 $ 544,800 $ 362,000
Wake, North Carolina 5 $ 3,069,000 $ 613,800 $ 323,000
Berkeley, South Carolina 5 $ 2,587,000 $ 517,400 $ 205,000
Bexar, Texas 5 $ 2,359,000 $ 471,800 $ 213,000
Galveston, Texas 5 $ 2,502,000 $ 500,400 $ 701,000
Potter, Texas 5 $ 2,889,000 $ 577,800 $ 302,000
Baldwin, Alabama 4 $ 2,106,000 $ 526,500 $ 311,000
Adams, Colorado 4 $ 1,908,000 $ 477,000 $ 202,000
McPherson, Kansas 4 $ 848,000 $ 212,000 $ 151,000
Middlesex, Massachusetts 4 $ 2,361,000 $ 590,250 $ 316,000
Lafayette, Mississippi 4 $ 3,260,000 $ 815,000 $ 444,000
Taney, Missouri 4 $ 1,544,000 $ 386,000 $ 226,000
Forsyth, North Carolina 4 $ 2,548,000 $ 637,000 $ 335,000
New Hanover, North Carolina 4 $ 2,492,000 $ 623,000 $ 297,000
Delaware, Pennsylvania 4 $ 2,534,000 $ 633,500 $ 397,000
Rutherford, Tennessee 4 $ 2,167,000 $ 541,750 $ 471,000
Montgomery, Texas 4 $ 2,116,000 $ 529,000 $ 331,000
Lee, Alabama 3 $ 2,359,000 $ 786,333 $ 657,000
Madison, Alabama 3 $ 1,203,000 $ 401,000 $ 136,000
Benton, Arkansas 3 $ 1,191,000 $ 397,000 $ 193,000
Pulaski, Arkansas 3 $ 1,834,000 $ 611,333 $ 380,000
Geary, Kansas 3 $ 168,000 $ 56,000 $ 38,000
Kingman, Kansas 3 $ 565,000 $ 188,333 $ 71,000
East Baton Rouge, Louisiana 3 $ 1,774,000 $ 591,333 $ 232,000
Cumberland, Maine 3 $ 1,213,000 $ 404,333 $ 208,000
Lincoln, Missouri 3 $ 517,000 $ 172,333 $ 95,000
Randolph, Missouri 3 $ 375,000 $ 125,000 $ 56,000
Warren, Missouri 3 $ 780,000 $ 260,000 $ 103,000
Obion, Tennessee 3 $ 603,000 $ 201,000 $ 88,000
Wilson, Tennessee 3 $ 1,230,000 $ 410,000 $ 152,000
Mobile, Alabama 2 $ 1,336,000 $ 668,000 $ 296,000
Craighead, Arkansas 2 $ 1,114,000 $ 557,000 $ 280,000
El Paso, Colorado 2 $ 1,031,000 $ 515,500 $ 256,000
Fayette, Georgia 2 $ 930,000 $ 465,000 $ 226,000
Forsyth, Georgia 2 $ 922,000 $ 461,000 $ 174,000
Madison, Illinois 2 $ 559,000 $ 279,500 $ 96,000
Cowley, Kansas 2 $ 338,000 $ 169,000 $ 122,000
Greenwood, Kansas 2 $ 110,000 $ 55,000 $ 60,000
Marshall, Kansas 2 $ 190,000 $ 95,000 $ 37,000
Morris, Kansas 2 $ 328,000 $ 164,000 $ 89,000
Reno, Kansas 2 $ 441,000 $ 220,500 $ 118,000
Caddo, Louisiana 2 $ 1,163,000 $ 581,500 $ 346,000
Norfolk, Massachusetts 2 $ 1,063,000 $ 531,500 $ 362,000
Camden, Missouri 2 $ 355,000 $ 177,500 $ 406,000
Cole, Missouri 2 $ 192,000 $ 96,000 $ 47,000
Stone, Missouri 2 $ 706,000 $ 353,000 $ 110,000
Dodge, Nebraska 2 $ 1,009,000 $ 504,500 $ 229,000
Guilford, North Carolina 2 $ 1,048,000 $ 524,000 $ 530,000
Cheatham, Tennessee 2 $ 317,000 $ 158,500 $ 127,000
Brazoria, Texas 2 $ 963,000 $ 481,500 $ 220,000
Comal, Texas 2 $ 632,000 $ 316,000 $ 144,000
Kaufman, Texas 2 $ 628,000 $ 314,000 $ 322,000
Randall, Texas 2 $ 1,270,000 $ 635,000 $ 327,000
Rockwall, Texas 2 $ 1,025,000 $ 512,500 $ 250,000
Williamson, Texas 2 $ 930,000 $ 465,000 $ 304,000
Washington, Arkansas 1 $ 583,000 $ 583,000 $ 228,000
Elbert, Colorado 1 $ 459,000 $ 459,000 $ 108,000
Okaloosa, Florida 1 $ 683,000 $ 683,000 $ 247,000
Bryan, Georgia 1 $ 495,000 $ 495,000 $ 155,000
Cherokee, Georgia 1 $ 535,000 $ 535,000 $ 165,000
Atchison, Kansas 1 $ 115,000 $ 115,000 $ 69,000
Chase, Kansas 1 $ 47,000 $ 47,000 $ 32,000
Ellsworth, Kansas 1 $ 56,000 $ 56,000 $ 19,000
Marion, Kansas 1 $ 84,000 $ 84,000 $ 42,000
Ascension, Louisiana 1 $ 900,000 $ 900,000 $ 460,000
Ouachita, Louisiana 1 $ 226,000 $ 226,000 $ 85,000
Androscoggin, Maine 1 $ 110,000 $ 110,000 $ 114,000
Sagadahoc, Maine 1 $ 132,000 $ 132,000 $ 58,000
York, Maine 1 $ 675,000 $ 675,000 $ 263,000
Essex, Massachusetts 1 $ 747,000 $ 747,000 $ 406,000
Lee, Mississippi 1 $ 612,000 $ 612,000 $ 795,000
Madison, Mississippi 1 $ 675,000 $ 675,000 $ 245,000
Oktibbeha, Mississippi 1 $ 574,000 $ 574,000 $ 256,000
Audrain, Missouri 1 $ 71,000 $ 71,000 $ 51,000
Benton, Missouri 1 $ 110,000 $ 110,000 $ 66,000
Caldwell, Missouri 1 $ 71,000 $ 71,000 $ 36,000
Callaway, Missouri 1 $ 111,000 $ 111,000 $ 45,000
Clinton, Missouri 1 $ 167,000 $ 167,000 $ 88,000
Daviess, Missouri 1 $ 92,000 $ 92,000 $ 102,000
Johnson, Missouri 1 $ 395,000 $ 395,000 $ 194,000
Morgan, Missouri 1 $ 130,000 $ 130,000 $ 268,000
Pettis, Missouri 1 $ 188,000 $ 188,000 $ 114,000
Webster, Missouri 1 $ 210,000 $ 210,000 $ 125,000
Cass, Nebraska 1 $ 447,000 $ 447,000 $ 214,000
Hillsborough, New Hampshire 1 $ 497,000 $ 497,000 $ 630,000
Rockingham, New Hampshire 1 $ 411,000 $ 411,000 $ 125,000
Alamance, North Carolina 1 $ 639,000 $ 639,000 $ 225,000
Davidson, North Carolina 1 $ 486,000 $ 486,000 $ 187,000
Durham, North Carolina 1 $ 680,000 $ 680,000 $ 200,000
Union, North Carolina 1 $ 648,000 $ 648,000 $ 1,082,000
Logan, Oklahoma 1 $ 576,000 $ 576,000 $ 226,000
Philadelphia, Pennsylvania 1 $ 608,000 $ 608,000 $ 293,000
Lexington, South Carolina 1 $ 490,000 $ 490,000 $ 181,000
Blount, Tennessee 1 $ 182,000 $ 182,000 $ 110,000
Dickson, Tennessee 1 $ 120,000 $ 120,000 $ 100,000
Fayette, Tennessee 1 $ 480,000 $ 480,000 $ 163,000
Hamilton, Tennessee 1 $ 650,000 $ 650,000 $ 597,000
Madison, Tennessee 1 $ 620,000 $ 620,000 $ 459,000
Maury, Tennessee 1 $ 503,000 $ 503,000 $ 157,000
Robertson, Tennessee 1 $ 398,000 $ 398,000 $ 250,000
Tipton, Tennessee 1 $ 88,000 $ 88,000 $ 110,000
Weakley, Tennessee 1 $ 76,000 $ 76,000 $ 53,000
Brazos, Texas 1 $ 523,000 $ 523,000 $ 242,000
Gaines, Texas 1 $ 546,000 $ 546,000 $ 727,000
Hays, Texas 1 $ 520,000 $ 520,000 $ 232,000
Johnson, Texas 1 $ 330,000 $ 330,000 $ 80,000
Midland, Texas 1 $ 480,000 $ 480,000 $ 322,000
Parker, Texas 1 $ 724,000 $ 724,000 $ 495,000
Smith, Texas 1 $ 115,000 $ 115,000 $ 59,000

Mortgage Loan Application Detail Totals for Capitol Federal Savings Bank in 2015

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 3,890 $970,044,000 $249,000 $1,500,000 $135,000 $2,868,000
Refinancing 2,670 $714,395,000 $267,000 $1,550,000 $169,000 $2,849,000
Home Improvement 462 $77,419,000 $167,000 $1,000,000 $118,000 $758,000

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 5,691 $1,453,126,000 $255,000 $1,550,000 $149,000 $2,868,000
Not Provided 628 $166,239,000 $264,000 $1,200,000 $166,000 $2,771,000
Asian 289 $69,719,000 $241,000 $1,000,000 $137,000 $1,179,000
Black or African American 188 $29,883,000 $158,000 $747,000 $86,000 $568,000
Hispanic 182 $33,391,000 $183,000 $900,000 $104,000 $818,000
American Indian or Alaskan Native 36 $6,884,000 $191,000 $623,000 $103,000 $448,000
Native Hawaiian or Other Pacific Islander 8 $2,616,000 $327,000 $675,000 $136,000 $286,000
Not applicable 0 $0 $0 $0 $0 $0

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) 7,022 $1,761,858,000 $250,000 $1,550,000 $147,000 $2,868,000
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 5,168 $1,396,862,000 $270,000 $1,500,000 $162,000 $2,849,000
Preapproval Denied by Financial Institution 580 $92,225,000 $159,000 $1,475,000 $72,000 $2,868,000
Application Denied By Financial Institution 513 $103,242,000 $201,000 $900,000 $90,000 $1,059,000
Application Withdrawn By Applicant 365 $78,715,000 $215,000 $1,000,000 $145,000 $2,580,000
Application Approved But Not Accepted 217 $53,967,000 $248,000 $1,500,000 $139,000 $753,000
File Closed For Incompleteness 179 $36,847,000 $205,000 $1,550,000 $137,000 $1,250,000
Loan Purchased By The Institution 0 $0 $0 $0 $0 $0
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 482 $67,927,000 $140,000 $863,000 $76,000 $1,279,000
Debt-To-Income Ratio 418 $89,201,000 $213,000 $900,000 $65,000 $393,000
Collateral 82 $19,446,000 $237,000 $898,000 $153,000 $1,059,000
Other 45 $9,951,000 $221,000 $1,475,000 $156,000 $2,868,000
Employment History 44 $5,695,000 $129,000 $372,000 $52,000 $247,000
Unverifiable Information 17 $2,850,000 $167,000 $500,000 $78,000 $466,000
Insufficient Cash (Downpayment, Closing Cost) 5 $397,000 $79,000 $147,000 $56,000 $101,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0
Credit Application Incomplete 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Capitol Federal Savings Bank's 2015 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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