Capitol Federal Savings Bank Mortgage Lending & HMDA Data, 2016

In 2016, Capitol Federal Savings Bank of Topeka, KS reported 6,491 mortgage applications totaling $1.8 billion, down 8% from 2015. The average application was for $274,024, and applicants reported an average income of $153,358. 75% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Kansas City, MO-KS (2,628), Wichita, KS (1,018) and Topeka, KS (482) (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 6,491
Total Mortgage Loan Application Amount $1,778,691,000
Average Mortgage Loan Application Amount $274,024
Highest Mortgage Loan Application Amount $4,500,000
Average Applicant Income $153,358
Highest Applicant Income $4,549,000

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records Capitol Federal Savings Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2016

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Johnson, Kansas 1,787 $ 485,086,000 $ 271,452 $ 159,000
Sedgwick, Kansas 915 $ 159,374,000 $ 174,179 $ 106,000
Shawnee, Kansas 431 $ 61,425,000 $ 142,517 $ 99,000
Jackson, Missouri 326 $ 66,855,000 $ 205,076 $ 119,000
Douglas, Kansas 234 $ 46,273,000 $ 197,747 $ 133,000
St. Louis, Missouri 160 $ 68,940,000 $ 430,875 $ 238,000
Clay, Missouri 141 $ 28,527,000 $ 202,319 $ 117,000
Dallas, Texas 138 $ 83,174,000 $ 602,710 $ 289,000
Platte, Missouri 117 $ 35,488,000 $ 303,316 $ 172,000
Wyandotte, Kansas 116 $ 15,676,000 $ 135,137 $ 73,000
Riley, Kansas 111 $ 21,305,000 $ 191,936 $ 112,000
Butler, Kansas 84 $ 17,164,000 $ 204,333 $ 123,000
St. Charles, Missouri 81 $ 24,873,000 $ 307,074 $ 146,000
Travis, Texas 78 $ 44,796,000 $ 574,307 $ 281,000
Williamson, Tennessee 73 $ 41,192,000 $ 564,273 $ 243,000
Collin, Texas 59 $ 31,976,000 $ 541,966 $ 293,000
Cass, Missouri 55 $ 16,709,000 $ 303,800 $ 196,000
Greene, Missouri 55 $ 19,970,000 $ 363,090 $ 259,000
Harris, Texas 54 $ 31,470,000 $ 582,777 $ 273,000
Miami, Kansas 44 $ 9,442,000 $ 214,590 $ 126,000
Boone, Missouri 43 $ 10,427,000 $ 242,488 $ 136,000
Leavenworth, Kansas 38 $ 8,994,000 $ 236,684 $ 112,000
Tarrant, Texas 36 $ 21,903,000 $ 608,416 $ 364,000
Lyon, Kansas 33 $ 3,307,000 $ 100,212 $ 78,000
Pottawatomie, Kansas 33 $ 5,746,000 $ 174,121 $ 90,000
Saline, Kansas 32 $ 3,733,000 $ 116,656 $ 80,000
Davidson, Tennessee 31 $ 16,742,000 $ 540,064 $ 240,000
Denton, Texas 29 $ 14,617,000 $ 504,034 $ 219,000
Jefferson, Alabama 28 $ 17,373,000 $ 620,464 $ 511,000
Montgomery, Pennsylvania 26 $ 15,954,000 $ 613,615 $ 355,000
Jefferson, Kansas 22 $ 2,738,000 $ 124,454 $ 80,000
Chester, Pennsylvania 21 $ 11,031,000 $ 525,285 $ 264,000
Fulton, Georgia 20 $ 10,786,000 $ 539,300 $ 257,000
Christian, Missouri 19 $ 7,273,000 $ 382,789 $ 227,000
Cobb, Georgia 18 $ 8,790,000 $ 488,333 $ 260,000
Denver, Colorado 17 $ 12,230,000 $ 719,411 $ 170,000
Tulsa, Oklahoma 16 $ 5,366,000 $ 335,375 $ 319,000
Fort Bend, Texas 15 $ 6,977,000 $ 465,133 $ 206,000
Wake, North Carolina 14 $ 7,387,000 $ 527,642 $ 211,000
Charleston, South Carolina 13 $ 6,795,000 $ 522,692 $ 212,000
Osage, Kansas 12 $ 1,049,000 $ 87,416 $ 66,000
Forsyth, Georgia 10 $ 4,522,000 $ 452,200 $ 186,000
Harvey, Kansas 10 $ 1,343,000 $ 134,300 $ 91,000
Jackson, Kansas 10 $ 1,079,000 $ 107,900 $ 75,000
Lancaster, Nebraska 10 $ 6,145,000 $ 614,500 $ 490,000
Shelby, Tennessee 10 $ 6,148,000 $ 614,800 $ 377,000
Douglas, Colorado 9 $ 4,264,000 $ 473,777 $ 207,000
Jefferson, Colorado 9 $ 4,367,000 $ 485,222 $ 627,000
Montgomery, Texas 9 $ 4,399,000 $ 488,777 $ 454,000
Madison, Alabama 8 $ 3,527,000 $ 440,875 $ 222,000
DeKalb, Georgia 8 $ 3,802,000 $ 475,250 $ 189,000
Jefferson, Missouri 8 $ 1,644,000 $ 205,500 $ 80,000
Douglas, Nebraska 8 $ 4,123,000 $ 515,375 $ 200,000
Bucks, Pennsylvania 8 $ 4,399,000 $ 549,875 $ 266,000
Delaware, Pennsylvania 8 $ 4,450,000 $ 556,250 $ 214,000
Wabaunsee, Kansas 7 $ 1,329,000 $ 189,857 $ 103,000
Oklahoma, Oklahoma 7 $ 3,441,000 $ 491,571 $ 358,000
Philadelphia, Pennsylvania 7 $ 3,700,000 $ 528,571 $ 181,000
Randall, Texas 7 $ 4,296,000 $ 613,714 $ 513,000
Williamson, Texas 7 $ 3,391,000 $ 484,428 $ 282,000
Arapahoe, Colorado 6 $ 2,512,000 $ 418,666 $ 159,000
Franklin, Kansas 6 $ 785,000 $ 130,833 $ 76,000
Middlesex, Massachusetts 6 $ 3,686,000 $ 614,333 $ 238,000
Lafayette, Mississippi 6 $ 3,578,000 $ 596,333 $ 225,000
Chatham, Georgia 5 $ 2,092,000 $ 418,400 $ 217,000
Geary, Kansas 5 $ 762,000 $ 152,400 $ 95,000
Sumner, Kansas 5 $ 453,000 $ 90,600 $ 88,000
Mecklenburg, North Carolina 5 $ 3,527,000 $ 705,400 $ 215,000
Hays, Texas 5 $ 2,727,000 $ 545,400 $ 226,000
Lubbock, Texas 5 $ 2,813,000 $ 562,600 $ 303,000
Baldwin, Alabama 4 $ 2,360,000 $ 590,000 $ 357,000
Kingman, Kansas 4 $ 607,000 $ 151,750 $ 116,000
McPherson, Kansas 4 $ 328,000 $ 82,000 $ 53,000
Cumberland, Maine 4 $ 1,698,000 $ 424,500 $ 285,000
Norfolk, Massachusetts 4 $ 2,423,000 $ 605,750 $ 226,000
Madison, Mississippi 4 $ 2,568,000 $ 642,000 $ 302,000
St. Louis City, Missouri 4 $ 1,118,000 $ 279,500 $ 148,000
Stone, Missouri 4 $ 4,894,000 $ 1,223,500 $ 838,000
Sarpy, Nebraska 4 $ 2,328,000 $ 582,000 $ 272,000
Forsyth, North Carolina 4 $ 2,427,000 $ 606,750 $ 344,000
Iredell, North Carolina 4 $ 2,684,000 $ 671,000 $ 435,000
Berkeley, South Carolina 4 $ 1,160,000 $ 290,000 $ 113,000
Dyer, Tennessee 4 $ 659,000 $ 164,750 $ 66,000
Brazoria, Texas 4 $ 997,000 $ 249,250 $ 159,000
Brazos, Texas 4 $ 1,680,000 $ 420,000 $ 147,000
Comal, Texas 4 $ 1,985,000 $ 496,250 $ 241,000
Marshall, Alabama 3 $ 2,175,000 $ 725,000 $ 301,000
Shelby, Alabama 3 $ 1,547,000 $ 515,666 $ 237,000
Benton, Arkansas 3 $ 1,733,000 $ 577,666 $ 236,000
Washington, Arkansas 3 $ 1,520,000 $ 506,666 $ 275,000
Gwinnett, Georgia 3 $ 864,000 $ 288,000 $ 121,000
Coffey, Kansas 3 $ 790,000 $ 263,333 $ 85,000
Cowley, Kansas 3 $ 490,000 $ 163,333 $ 76,000
Reno, Kansas 3 $ 297,000 $ 99,000 $ 25,000
Caddo, Louisiana 3 $ 1,627,000 $ 542,333 $ 366,000
Camden, Missouri 3 $ 654,000 $ 218,000 $ 163,000
Franklin, Missouri 3 $ 837,000 $ 279,000 $ 347,000
Rockingham, New Hampshire 3 $ 1,400,000 $ 466,666 $ 197,000
New Hanover, North Carolina 3 $ 1,908,000 $ 636,000 $ 195,000
Rutherford, Tennessee 3 $ 1,461,000 $ 487,000 $ 313,000
Sumner, Tennessee 3 $ 1,365,000 $ 455,000 $ 200,000
Bexar, Texas 3 $ 1,440,000 $ 480,000 $ 185,000
Kendall, Texas 3 $ 2,190,000 $ 730,000 $ 265,000
Potter, Texas 3 $ 1,614,000 $ 538,000 $ 486,000
El Paso, Colorado 2 $ 694,000 $ 347,000 $ 217,000
Bryan, Georgia 2 $ 885,000 $ 442,500 $ 187,000
Cherokee, Georgia 2 $ 518,000 $ 259,000 $ 153,000
Fayette, Georgia 2 $ 947,000 $ 473,500 $ 202,000
Madison, Illinois 2 $ 1,064,000 $ 532,000 $ 199,000
Greenwood, Kansas 2 $ 109,000 $ 54,500 $ 24,000
Marshall, Kansas 2 $ 310,000 $ 155,000 $ 109,000
Morris, Kansas 2 $ 156,000 $ 78,000 $ 132,000
DeSoto, Mississippi 2 $ 914,000 $ 457,000 $ 396,000
Harrison, Mississippi 2 $ 1,100,000 $ 550,000 $ 541,000
Clinton, Missouri 2 $ 716,000 $ 358,000 $ 199,000
Cooper, Missouri 2 $ 455,000 $ 227,500 $ 87,000
Lincoln, Missouri 2 $ 426,000 $ 213,000 $ 129,000
Newton, Missouri 2 $ 920,000 $ 460,000 $ 476,000
Polk, Missouri 2 $ 276,000 $ 138,000 $ 52,000
Warren, Missouri 2 $ 347,000 $ 173,500 $ 62,000
Webster, Missouri 2 $ 444,000 $ 222,000 $ 118,000
Davidson, North Carolina 2 $ 1,193,000 $ 596,500 $ 210,000
Davie, North Carolina 2 $ 890,000 $ 445,000 $ 143,000
Guilford, North Carolina 2 $ 1,075,000 $ 537,500 $ 302,000
Burnet, Texas 2 $ 833,000 $ 416,500 $ 219,000
Ellis, Texas 2 $ 679,000 $ 339,500 $ 131,000
Galveston, Texas 2 $ 1,178,000 $ 589,000 $ 276,000
Rockwall, Texas 2 $ 1,099,000 $ 549,500 $ 409,000
Waller, Texas 2 $ 436,000 $ 218,000 $ 93,000
Lee, Alabama 1 $ 732,000 $ 732,000 $ 400,000
Limestone, Alabama 1 $ 111,000 $ 111,000 $ 67,000
Mobile, Alabama 1 $ 710,000 $ 710,000 $ 192,000
Tuscaloosa, Alabama 1 $ 170,000 $ 170,000 $ 151,000
Craighead, Arkansas 1 $ 580,000 $ 580,000 $ 607,000
Pulaski, Arkansas 1 $ 1,198,000 $ 1,198,000 $ 732,000
Adams, Colorado 1 $ 192,000 $ 192,000 $ 38,000
Elbert, Colorado 1 $ 424,000 $ 424,000 $ 153,000
Okaloosa, Florida 1 $ 548,000 $ 548,000 $ 119,000
Walton, Florida 1 $ 780,000 $ 780,000 $ 150,000
Coweta, Georgia 1 $ 456,000 $ 456,000 $ 287,000
Monroe, Illinois 1 $ 352,000 $ 352,000 $ 155,000
St. Clair, Illinois 1 $ 174,000 $ 174,000 $ 53,000
Pottawattamie, Iowa 1 $ 472,000 $ 472,000 $ 372,000
Atchison, Kansas 1 $ 15,000 $ 15,000 $ 19,000
Chase, Kansas 1 $ 51,000 $ 51,000 $ 79,000
Clay, Kansas 1 $ 148,000 $ 148,000 $ 47,000
Dickinson, Kansas 1 $ 97,000 $ 97,000 $ 19,000
Linn, Kansas 1 $ 150,000 $ 150,000 $ 102,000
Ottawa, Kansas 1 $ 75,000 $ 75,000 $ 42,000
Bossier, Louisiana 1 $ 537,000 $ 537,000 $ 308,000
Essex, Massachusetts 1 $ 839,000 $ 839,000 $ 270,000
Lee, Mississippi 1 $ 796,000 $ 796,000 $ 335,000
Oktibbeha, Mississippi 1 $ 489,000 $ 489,000 $ 427,000
Audrain, Missouri 1 $ 350,000 $ 350,000 $ 95,000
Daviess, Missouri 1 $ 350,000 $ 350,000 $ 1,298,000
Pettis, Missouri 1 $ 506,000 $ 506,000 $ 488,000
Randolph, Missouri 1 $ 89,000 $ 89,000 $ 31,000
Ray, Missouri 1 $ 170,000 $ 170,000 $ 186,000
Gage, Nebraska 1 $ 446,000 $ 446,000 $ 228,000
Saunders, Nebraska 1 $ 600,000 $ 600,000 $ 361,000
Monmouth, New Jersey 1 $ 783,000 $ 783,000 $ 205,000
Brunswick, North Carolina 1 $ 504,000 $ 504,000 $ 188,000
Durham, North Carolina 1 $ 507,000 $ 507,000 $ 632,000
Orange, North Carolina 1 $ 717,000 $ 717,000 $ 385,000
Rowan, North Carolina 1 $ 415,000 $ 415,000 $ 232,000
Union, North Carolina 1 $ 461,000 $ 461,000 $ 171,000
Cleveland, Oklahoma 1 $ 539,000 $ 539,000 $ 383,000
Logan, Oklahoma 1 $ 480,000 $ 480,000 $ 171,000
Wagoner, Oklahoma 1 $ 136,000 $ 136,000 $ 46,000
Centre, Pennsylvania 1 $ 493,000 $ 493,000 $ 182,000
Dauphin, Pennsylvania 1 $ 636,000 $ 636,000 $ 542,000
Northampton, Pennsylvania 1 $ 460,000 $ 460,000 $ 253,000
Blount, Tennessee 1 $ 288,000 $ 288,000 $ 123,000
Fayette, Tennessee 1 $ 686,000 $ 686,000 $ 398,000
Gibson, Tennessee 1 $ 135,000 $ 135,000 $ 58,000
Madison, Tennessee 1 $ 491,000 $ 491,000 $ 280,000
Obion, Tennessee 1 $ 238,000 $ 238,000 $ 90,000
Wilson, Tennessee 1 $ 531,000 $ 531,000 $ 307,000
Austin, Texas 1 $ 363,000 $ 363,000 $ 95,000
Grayson, Texas 1 $ 518,000 $ 518,000 $ 168,000
Gregg, Texas 1 $ 612,000 $ 612,000 $ 248,000
Hood, Texas 1 $ 487,000 $ 487,000 $ 1,224,000
Kaufman, Texas 1 $ 340,000 $ 340,000 $ 79,000
Llano, Texas 1 $ 466,000 $ 466,000 $ 221,000
McLennan, Texas 1 $ 477,000 $ 477,000 $ 137,000
Midland, Texas 1 $ 380,000 $ 380,000 $ 247,000
Victoria, Texas 1 $ 749,000 $ 749,000 $ 295,000
Prince William, Virginia 1 $ 528,000 $ 528,000 $ 256,000

Mortgage Loan Application Detail Totals for Capitol Federal Savings Bank in 2016

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 3,428 $927,183,000 $270,000 $1,258,000 $143,000 $2,232,000
Refinancing 2,588 $762,013,000 $294,000 $4,500,000 $171,000 $4,549,000
Home Improvement 475 $89,495,000 $188,000 $1,324,000 $132,000 $1,421,000

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 5,256 $1,473,048,000 $280,000 $3,100,000 $158,000 $4,549,000
Not Provided 576 $157,310,000 $273,000 $1,000,000 $161,000 $2,232,000
Asian 263 $69,787,000 $265,000 $1,000,000 $129,000 $983,000
Hispanic 185 $35,354,000 $191,000 $1,000,000 $94,000 $545,000
Black or African American 152 $24,759,000 $162,000 $899,000 $89,000 $630,000
American Indian or Alaskan Native 41 $9,736,000 $237,000 $747,000 $123,000 $662,000
Native Hawaiin or Other Pacific Islander 16 $4,032,000 $252,000 $627,000 $123,000 $325,000
Not applicable 2 $4,665,000 $2,332,000 $4,500,000 $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) 6,491 $1,778,691,000 $274,000 $4,500,000 $154,000 $4,549,000
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 4,856 $1,446,677,000 $297,000 $4,500,000 $168,000 $4,549,000
Preapproval Denied by Financial Institution 475 $78,935,000 $166,000 $1,225,000 $63,000 $762,000
Application Denied By Financial Institution 395 $75,896,000 $192,000 $1,200,000 $101,000 $1,298,000
Application Withdrawn By Applicant 383 $83,259,000 $217,000 $2,000,000 $148,000 $1,934,000
Application Approved But Not Accepted 200 $56,796,000 $283,000 $1,258,000 $152,000 $750,000
File Closed For Incompleteness 182 $37,128,000 $204,000 $1,000,000 $141,000 $1,200,000
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 368 $50,473,000 $137,000 $600,000 $74,000 $620,000
Debt-To-Income Ratio 362 $73,329,000 $202,000 $1,200,000 $64,000 $402,000
Collateral 68 $16,694,000 $245,000 $880,000 $147,000 $858,000
Other 35 $8,918,000 $254,000 $1,225,000 $207,000 $1,298,000
Employment History 26 $3,878,000 $149,000 $720,000 $72,000 $345,000
Unverifiable Information 7 $918,000 $131,000 $250,000 $5,000 $24,000
Insufficient Cash (Downpayment, Closing Cost) 2 $202,000 $101,000 $107,000 $48,000 $50,000
Mortgage Insurance Denied 2 $419,000 $209,000 $320,000 $78,000 $95,000
Credit Application Incomplete 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Capitol Federal Savings Bank's 2016 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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