Capitol Federal Savings Bank Mortgage Lending & HMDA Data, 2017

In 2017, Capitol Federal Savings Bank of Topeka, KS reported 4,767 mortgage applications totaling $1.3 billion, down 27% from 2016. The average application was for $271,651, and applicants reported an average income of $147,663. 73% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Kansas City, MO-KS (1,909), Wichita, KS (795) and Topeka, KS (386) (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 4,767
Total Mortgage Loan Application Amount $1,294,962,000
Average Mortgage Loan Application Amount $271,651
Highest Mortgage Loan Application Amount $1,886,000
Average Applicant Income $147,663
Highest Applicant Income $2,992,000

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records Capitol Federal Savings Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2017

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Johnson, Kansas 1,225 $ 344,030,000 $ 280,840 $ 152,000
Sedgwick, Kansas 704 $ 115,216,000 $ 163,659 $ 103,000
Shawnee, Kansas 350 $ 50,145,000 $ 143,271 $ 90,000
Jackson, Missouri 277 $ 66,258,000 $ 239,198 $ 136,000
Douglas, Kansas 192 $ 37,802,000 $ 196,885 $ 121,000
Wyandotte, Kansas 111 $ 12,806,000 $ 115,369 $ 84,000
Clay, Missouri 107 $ 24,620,000 $ 230,093 $ 135,000
Dallas, Texas 83 $ 50,147,000 $ 604,180 $ 272,000
Butler, Kansas 72 $ 11,275,000 $ 156,597 $ 97,000
Platte, Missouri 69 $ 20,961,000 $ 303,782 $ 169,000
Riley, Kansas 66 $ 12,587,000 $ 190,712 $ 111,000
Harris, Texas 52 $ 29,055,000 $ 558,750 $ 304,000
Greene, Missouri 49 $ 20,842,000 $ 425,346 $ 289,000
St. Louis, Missouri 49 $ 24,356,000 $ 497,061 $ 254,000
Cass, Missouri 44 $ 13,931,000 $ 316,613 $ 207,000
Travis, Texas 42 $ 24,534,000 $ 584,142 $ 255,000
Williamson, Tennessee 41 $ 24,550,000 $ 598,780 $ 234,000
Miami, Kansas 38 $ 10,074,000 $ 265,105 $ 127,000
Leavenworth, Kansas 34 $ 8,094,000 $ 238,058 $ 130,000
St. Charles, Missouri 33 $ 12,143,000 $ 367,969 $ 190,000
Lyon, Kansas 31 $ 3,700,000 $ 119,354 $ 75,000
Boone, Missouri 30 $ 8,262,000 $ 275,400 $ 141,000
Pottawatomie, Kansas 28 $ 5,851,000 $ 208,964 $ 88,000
Collin, Texas 28 $ 16,118,000 $ 575,642 $ 289,000
Tarrant, Texas 26 $ 15,847,000 $ 609,500 $ 333,000
Denton, Texas 23 $ 13,930,000 $ 605,652 $ 311,000
Bucks, Pennsylvania 21 $ 11,630,000 $ 553,809 $ 290,000
Montgomery, Pennsylvania 20 $ 11,141,000 $ 557,050 $ 324,000
Jefferson, Kansas 18 $ 2,494,000 $ 138,555 $ 113,000
Davidson, Tennessee 18 $ 11,131,000 $ 618,388 $ 260,000
Chester, Pennsylvania 17 $ 8,802,000 $ 517,764 $ 235,000
Jefferson, Alabama 16 $ 8,592,000 $ 537,000 $ 194,000
Cobb, Georgia 16 $ 7,842,000 $ 490,125 $ 270,000
Fulton, Georgia 16 $ 9,549,000 $ 596,812 $ 287,000
Saline, Kansas 16 $ 1,613,000 $ 100,812 $ 67,000
Lancaster, Nebraska 15 $ 7,674,000 $ 511,600 $ 342,000
Montgomery, Texas 14 $ 7,324,000 $ 523,142 $ 263,000
Delaware, Pennsylvania 13 $ 6,915,000 $ 531,923 $ 236,000
Charleston, South Carolina 13 $ 7,243,000 $ 557,153 $ 260,000
Christian, Missouri 11 $ 3,822,000 $ 347,454 $ 175,000
Fort Bend, Texas 11 $ 5,503,000 $ 500,272 $ 268,000
Comal, Texas 10 $ 5,163,000 $ 516,300 $ 214,000
Harvey, Kansas 9 $ 1,750,000 $ 194,444 $ 123,000
Brazoria, Texas 8 $ 2,761,000 $ 345,125 $ 222,000
Parker, Texas 8 $ 4,076,000 $ 509,500 $ 265,000
Osage, Kansas 7 $ 653,000 $ 93,285 $ 77,000
Sumner, Kansas 7 $ 917,000 $ 131,000 $ 71,000
Williamson, Texas 7 $ 3,522,000 $ 503,142 $ 263,000
Chatham, Georgia 6 $ 2,313,000 $ 385,500 $ 323,000
DeKalb, Georgia 6 $ 3,534,000 $ 589,000 $ 242,000
Reno, Kansas 6 $ 932,000 $ 155,333 $ 74,000
Wabaunsee, Kansas 6 $ 738,000 $ 123,000 $ 90,000
Beaufort, South Carolina 6 $ 3,174,000 $ 529,000 $ 200,000
Denver, Colorado 5 $ 2,887,000 $ 577,400 $ 201,000
Gwinnett, Georgia 5 $ 2,601,000 $ 520,200 $ 354,000
Clay, Kansas 5 $ 872,000 $ 174,400 $ 90,000
Jackson, Kansas 5 $ 639,000 $ 127,800 $ 90,000
Middlesex, Massachusetts 5 $ 3,036,000 $ 607,200 $ 242,000
Oklahoma, Oklahoma 5 $ 2,510,000 $ 502,000 $ 192,000
Hays, Texas 5 $ 3,035,000 $ 607,000 $ 401,000
Randall, Texas 5 $ 3,056,000 $ 611,200 $ 590,000
Jefferson, Colorado 4 $ 1,989,000 $ 497,250 $ 197,000
Douglas, Nebraska 4 $ 2,222,000 $ 555,500 $ 310,000
Guilford, North Carolina 4 $ 1,662,000 $ 415,500 $ 328,000
Wake, North Carolina 4 $ 2,177,000 $ 544,250 $ 220,000
Tulsa, Oklahoma 4 $ 1,651,000 $ 412,750 $ 265,000
Philadelphia, Pennsylvania 4 $ 2,243,000 $ 560,750 $ 182,000
Washington, Arkansas 3 $ 1,433,000 $ 477,666 $ 296,000
Forsyth, Georgia 3 $ 1,219,000 $ 406,333 $ 120,000
Franklin, Kansas 3 $ 329,000 $ 109,666 $ 65,000
Kingman, Kansas 3 $ 240,000 $ 80,000 $ 56,000
Lafayette, Mississippi 3 $ 1,836,000 $ 612,000 $ 302,000
Jefferson, Missouri 3 $ 709,000 $ 236,333 $ 116,000
Sarpy, Nebraska 3 $ 1,609,000 $ 536,333 $ 285,000
New Hanover, North Carolina 3 $ 1,494,000 $ 498,000 $ 247,000
Shelby, Tennessee 3 $ 1,830,000 $ 610,000 $ 965,000
Bastrop, Texas 3 $ 836,000 $ 278,666 $ 130,000
Galveston, Texas 3 $ 1,420,000 $ 473,333 $ 464,000
Hood, Texas 3 $ 2,297,000 $ 765,666 $ 556,000
Lee, Alabama 2 $ 873,000 $ 436,500 $ 199,000
Madison, Alabama 2 $ 977,000 $ 488,500 $ 219,000
Shelby, Alabama 2 $ 988,000 $ 494,000 $ 390,000
Fairfield, Connecticut 2 $ 1,475,000 $ 737,500 $ 472,000
Litchfield, Connecticut 2 $ 847,000 $ 423,500 $ 346,000
Coweta, Georgia 2 $ 1,243,000 $ 621,500 $ 566,000
Coffey, Kansas 2 $ 330,000 $ 165,000 $ 99,000
Cowley, Kansas 2 $ 380,000 $ 190,000 $ 74,000
Ellsworth, Kansas 2 $ 128,000 $ 64,000 $ 93,000
Geary, Kansas 2 $ 369,000 $ 184,500 $ 103,000
Worcester, Massachusetts 2 $ 929,000 $ 464,500 $ 143,000
Madison, Mississippi 2 $ 1,068,000 $ 534,000 $ 257,000
Bates, Missouri 2 $ 460,000 $ 230,000 $ 88,000
Callaway, Missouri 2 $ 274,000 $ 137,000 $ 99,000
Taney, Missouri 2 $ 621,000 $ 310,500 $ 200,000
Rockingham, New Hampshire 2 $ 1,309,000 $ 654,500 $ 220,000
Davidson, North Carolina 2 $ 936,000 $ 468,000 $ 158,000
Mecklenburg, North Carolina 2 $ 938,000 $ 469,000 $ 325,000
Cumberland, Pennsylvania 2 $ 1,456,000 $ 728,000 $ 495,000
Madison, Tennessee 2 $ 1,240,000 $ 620,000 $ 291,000
Rutherford, Tennessee 2 $ 1,222,000 $ 611,000 $ 663,000
Bexar, Texas 2 $ 1,473,000 $ 736,500 $ 506,000
Brazos, Texas 2 $ 812,000 $ 406,000 $ 155,000
Grimes, Texas 2 $ 628,000 $ 314,000 $ 92,000
Lubbock, Texas 2 $ 1,239,000 $ 619,500 $ 589,000
Rockwall, Texas 2 $ 709,000 $ 354,500 $ 161,000
Montgomery, Alabama 1 $ 452,000 $ 452,000 $ 196,000
Boulder, Colorado 1 $ 499,000 $ 499,000 $ 154,000
El Paso, Colorado 1 $ 600,000 $ 600,000 $ 145,000
Hartford, Connecticut 1 $ 480,000 $ 480,000 $ 304,000
New London, Connecticut 1 $ 540,000 $ 540,000 $ 190,000
Bay, Florida 1 $ 269,000 $ 269,000 $ 72,000
Cherokee, Georgia 1 $ 403,000 $ 403,000 $ 230,000
Oconee, Georgia 1 $ 450,000 $ 450,000 $ 175,000
Tazewell, Illinois 1 $ 139,000 $ 139,000 $ 296,000
Chase, Kansas 1 $ 170,000 $ 170,000 $ 65,000
Cloud, Kansas 1 $ 550,000 $ 550,000 $ 185,000
Harper, Kansas 1 $ 100,000 $ 100,000 $ 63,000
Marion, Kansas 1 $ 48,000 $ 48,000 $ 89,000
McPherson, Kansas 1 $ 352,000 $ 352,000 $ 490,000
Meade, Kansas 1 $ 57,000 $ 57,000 $ 42,000
Ottawa, Kansas 1 $ 114,000 $ 114,000 $ 80,000
Trego, Kansas 1 $ 82,000 $ 82,000 $ 780,000
Bossier, Louisiana 1 $ 478,000 $ 478,000 $ 368,000
Caddo, Louisiana 1 $ 996,000 $ 996,000 $ 975,000
East Baton Rouge, Louisiana 1 $ 799,000 $ 799,000 $ 718,000
Lafayette, Louisiana 1 $ 597,000 $ 597,000 $ 156,000
Pointe Coupee, Louisiana 1 $ 664,000 $ 664,000 $ 160,000
Bristol, Massachusetts 1 $ 452,000 $ 452,000 $ 118,000
Essex, Massachusetts 1 $ 458,000 $ 458,000 $ 200,000
Norfolk, Massachusetts 1 $ 640,000 $ 640,000 $ 660,000
Suffolk, Massachusetts 1 $ 720,000 $ 720,000 $ 321,000
Lee, Mississippi 1 $ 765,000 $ 765,000 $ 596,000
Rankin, Mississippi 1 $ 782,000 $ 782,000 $ 1,384,000
Buchanan, Missouri 1 $ 106,000 $ 106,000 $ 0
Clinton, Missouri 1 $ 267,000 $ 267,000 $ 120,000
DeKalb, Missouri 1 $ 175,000 $ 175,000 $ 154,000
Johnson, Missouri 1 $ 75,000 $ 75,000 $ 119,000
Livingston, Missouri 1 $ 296,000 $ 296,000 $ 163,000
Newton, Missouri 1 $ 566,000 $ 566,000 $ 248,000
Pettis, Missouri 1 $ 60,000 $ 60,000 $ 23,000
Polk, Missouri 1 $ 444,000 $ 444,000 $ 318,000
Ray, Missouri 1 $ 96,000 $ 96,000 $ 68,000
Stone, Missouri 1 $ 170,000 $ 170,000 $ 128,000
Webster, Missouri 1 $ 158,000 $ 158,000 $ 69,000
Cass, Nebraska 1 $ 550,000 $ 550,000 $ 210,000
Bergen, New Jersey 1 $ 768,000 $ 768,000 $ 720,000
Burlington, New Jersey 1 $ 473,000 $ 473,000 $ 399,000
Camden, New Jersey 1 $ 515,000 $ 515,000 $ 340,000
Hunterdon, New Jersey 1 $ 649,000 $ 649,000 $ 446,000
Middlesex, New Jersey 1 $ 500,000 $ 500,000 $ 129,000
Somerset, New Jersey 1 $ 785,000 $ 785,000 $ 421,000
Alamance, North Carolina 1 $ 414,000 $ 414,000 $ 132,000
Forsyth, North Carolina 1 $ 498,000 $ 498,000 $ 140,000
Orange, North Carolina 1 $ 444,000 $ 444,000 $ 162,000
Pender, North Carolina 1 $ 800,000 $ 800,000 $ 516,000
Pitt, North Carolina 1 $ 533,000 $ 533,000 $ 150,000
Union, North Carolina 1 $ 561,000 $ 561,000 $ 271,000
Canadian, Oklahoma 1 $ 330,000 $ 330,000 $ 102,000
Rogers, Oklahoma 1 $ 623,000 $ 623,000 $ 240,000
Allegheny, Pennsylvania 1 $ 419,000 $ 419,000 $ 126,000
Butler, Pennsylvania 1 $ 456,000 $ 456,000 $ 212,000
Dauphin, Pennsylvania 1 $ 452,000 $ 452,000 $ 251,000
Northampton, Pennsylvania 1 $ 434,000 $ 434,000 $ 183,000
Lancaster, South Carolina 1 $ 690,000 $ 690,000 $ 262,000
York, South Carolina 1 $ 272,000 $ 272,000 $ 128,000
Hamilton, Tennessee 1 $ 531,000 $ 531,000 $ 131,000
Maury, Tennessee 1 $ 643,000 $ 643,000 $ 140,000
Weakley, Tennessee 1 $ 130,000 $ 130,000 $ 100,000
Angelina, Texas 1 $ 774,000 $ 774,000 $ 258,000
Burnet, Texas 1 $ 584,000 $ 584,000 $ 380,000
Ector, Texas 1 $ 199,000 $ 199,000 $ 55,000
Ellis, Texas 1 $ 240,000 $ 240,000 $ 136,000
Jim Wells, Texas 1 $ 422,000 $ 422,000 $ 98,000
Johnson, Texas 1 $ 321,000 $ 321,000 $ 219,000
Kendall, Texas 1 $ 750,000 $ 750,000 $ 359,000
Liberty, Texas 1 $ 173,000 $ 173,000 $ 71,000
Llano, Texas 1 $ 430,000 $ 430,000 $ 204,000
Potter, Texas 1 $ 800,000 $ 800,000 $ 439,000
Taylor, Texas 1 $ 488,000 $ 488,000 $ 158,000
Victoria, Texas 1 $ 219,000 $ 219,000 $ 130,000
Waller, Texas 1 $ 610,000 $ 610,000 $ 200,000
Wise, Texas 1 $ 206,000 $ 206,000 $ 137,000
Wood, Texas 1 $ 225,000 $ 225,000 $ 91,000
Stafford, Virginia 1 $ 415,000 $ 415,000 $ 145,000

Mortgage Loan Application Detail Totals for Capitol Federal Savings Bank in 2017

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 2,938 $799,462,000 $272,000 $1,886,000 $141,000 $2,992,000
Refinancing 1,455 $434,961,000 $298,000 $1,494,000 $169,000 $2,030,000
Home Improvement 374 $60,539,000 $161,000 $880,000 $117,000 $706,000

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 3,813 $1,058,019,000 $277,000 $1,500,000 $153,000 $2,992,000
Not Provided 425 $117,688,000 $276,000 $1,263,000 $149,000 $1,375,000
Asian 198 $56,126,000 $283,000 $1,500,000 $136,000 $1,077,000
Hispanic 163 $33,345,000 $204,000 $900,000 $99,000 $529,000
Black or African American 124 $17,667,000 $142,000 $675,000 $71,000 $412,000
American Indian or Alaskan Native 34 $10,550,000 $310,000 $1,886,000 $149,000 $619,000
Native Hawaiian or Other Pacific Islander 9 $1,461,000 $162,000 $223,000 $59,000 $93,000
Not applicable 1 $106,000 $106,000 $106,000 $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) 4,767 $1,294,962,000 $271,000 $1,886,000 $147,000 $2,992,000
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 3,472 $1,021,605,000 $294,000 $1,500,000 $163,000 $2,030,000
Preapproval Denied by Financial Institution 411 $73,869,000 $179,000 $1,495,000 $62,000 $904,000
Application Withdrawn By Applicant 361 $77,275,000 $214,000 $1,263,000 $133,000 $2,992,000
Application Denied By Financial Institution 265 $54,410,000 $205,000 $1,500,000 $90,000 $1,164,000
Application Approved But Not Accepted 149 $43,631,000 $292,000 $1,886,000 $157,000 $2,050,000
File Closed For Incompleteness 109 $24,172,000 $221,000 $1,000,000 $142,000 $1,068,000
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
Debt-To-Income Ratio 294 $66,381,000 $225,000 $1,500,000 $69,000 $903,000
Credit History 292 $42,775,000 $146,000 $1,495,000 $69,000 $904,000
Collateral 43 $8,301,000 $193,000 $482,000 $104,000 $387,000
Other 19 $6,495,000 $341,000 $1,480,000 $203,000 $1,164,000
Employment History 18 $2,430,000 $135,000 $252,000 $17,000 $63,000
Unverifiable Information 7 $1,602,000 $228,000 $705,000 $29,000 $162,000
Mortgage Insurance Denied 3 $295,000 $98,000 $143,000 $52,000 $75,000
Insufficient Cash (Downpayment, Closing Cost) 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 2017 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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