Capitol Federal Savings Bank Mortgage Lending & HMDA Data, 2018

In 2018, Capitol Federal Savings Bank of Topeka, KS reported 6,271 mortgage applications totaling $1.4 billion, up 32% from 2017. The average application was for $218,184, and applicants reported an average income of $139,581. 66% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Kansas City, MO-KS (2,627), Wichita, KS (955) and Topeka, KS (556) (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 6,271
Total Mortgage Loan Application Amount $1,368,235,000
Average Mortgage Loan Application Amount $218,184
Highest Mortgage Loan Application Amount $3,365,000
Average Applicant Income $139,581
Highest Applicant Income $3,696,000

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records Capitol Federal Savings Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2018

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Johnson, Kansas 1,712 $ 374,630,000 $ 218,825 $ 156,000
Sedgwick, Kansas 845 $ 117,385,000 $ 138,917 $ 112,000
Shawnee, Kansas 495 $ 58,415,000 $ 118,010 $ 98,000
Jackson, Missouri 383 $ 75,895,000 $ 198,159 $ 135,000
Douglas, Kansas 256 $ 47,730,000 $ 186,445 $ 144,000
Clay, Missouri 145 $ 27,935,000 $ 192,655 $ 135,000
Wyandotte, Kansas 116 $ 12,200,000 $ 105,172 $ 65,000
Platte, Missouri 96 $ 25,650,000 $ 267,187 $ 158,000
Riley, Kansas 90 $ 15,080,000 $ 167,555 $ 124,000
Butler, Kansas 86 $ 12,870,000 $ 149,651 $ 119,000
Cass, Missouri 67 $ 17,575,000 $ 262,313 $ 144,000
Greene, Missouri 62 $ 26,830,000 $ 432,741 $ 318,000
Lyon, Kansas 53 $ 6,475,000 $ 122,169 $ 93,000
Leavenworth, Kansas 52 $ 10,550,000 $ 202,884 $ 123,000
Miami, Kansas 47 $ 10,695,000 $ 227,553 $ 135,000
Dallas, Texas 42 $ 25,680,000 $ 611,428 $ 377,000
Williamson, Tennessee 39 $ 20,665,000 $ 529,871 $ 260,000
St. Louis, Missouri 35 $ 16,585,000 $ 473,857 $ 234,000
Travis, Texas 31 $ 17,485,000 $ 564,032 $ 257,000
Jefferson, Kansas 30 $ 4,500,000 $ 150,000 $ 84,000
Harris, Texas 30 $ 13,810,000 $ 460,333 $ 282,000
Pottawatomie, Kansas 28 $ 4,360,000 $ 155,714 $ 106,000
Boone, Missouri 28 $ 6,400,000 $ 228,571 $ 127,000
Saline, Kansas 27 $ 3,245,000 $ 120,185 $ 83,000
Lancaster, Nebraska 22 $ 11,630,000 $ 528,636 $ 385,000
Tarrant, Texas 21 $ 11,715,000 $ 557,857 $ 288,000
Harvey, Kansas 19 $ 2,475,000 $ 130,263 $ 94,000
Osage, Kansas 19 $ 1,545,000 $ 81,315 $ 68,000
Collin, Texas 19 $ 11,255,000 $ 592,368 $ 332,000
Denton, Texas 15 $ 9,085,000 $ 605,666 $ 431,000
Williamson, Texas 14 $ 5,720,000 $ 408,571 $ 209,000
Montgomery, Pennsylvania 13 $ 6,325,000 $ 486,538 $ 215,000
Davidson, Tennessee 13 $ 6,505,000 $ 500,384 $ 213,000
Fort Bend, Texas 13 $ 5,985,000 $ 460,384 $ 218,000
Montgomery, Texas 13 $ 6,245,000 $ 480,384 $ 283,000
Christian, Missouri 11 $ 4,195,000 $ 381,363 $ 191,000
Cobb, Georgia 10 $ 5,280,000 $ 528,000 $ 231,000
Douglas, Nebraska 10 $ 5,030,000 $ 503,000 $ 277,000
Guilford, North Carolina 8 $ 2,190,000 $ 273,750 $ 150,000
Hays, Texas 8 $ 4,150,000 $ 518,750 $ 224,000
Wabaunsee, Kansas 7 $ 805,000 $ 115,000 $ 71,000
St. Charles, Missouri 7 $ 3,215,000 $ 459,285 $ 453,000
Bucks, Pennsylvania 7 $ 3,665,000 $ 523,571 $ 329,000
Brazos, Texas 7 $ 3,125,000 $ 446,428 $ 248,000
Jefferson, Alabama 6 $ 2,840,000 $ 473,333 $ 238,000
Cowley, Kansas 6 $ 940,000 $ 156,666 $ 76,000
Franklin, Kansas 6 $ 600,000 $ 100,000 $ 118,000
Parker, Texas 6 $ 2,160,000 $ 360,000 $ 206,000
DeKalb, Georgia 5 $ 3,145,000 $ 629,000 $ 213,000
Fulton, Georgia 5 $ 3,415,000 $ 683,000 $ 251,000
Coffey, Kansas 5 $ 555,000 $ 111,000 $ 53,000
Jackson, Kansas 5 $ 625,000 $ 125,000 $ 100,000
Reno, Kansas 5 $ 365,000 $ 73,000 $ 81,000
Madison, Mississippi 5 $ 3,085,000 $ 617,000 $ 381,000
Brazoria, Texas 5 $ 1,055,000 $ 211,000 $ 114,000
Henderson, Texas 5 $ 1,815,000 $ 363,000 $ 211,000
Chatham, Georgia 4 $ 2,060,000 $ 515,000 $ 186,000
Dickinson, Kansas 4 $ 360,000 $ 90,000 $ 52,000
McPherson, Kansas 4 $ 340,000 $ 85,000 $ 77,000
Middlesex, Massachusetts 4 $ 2,260,000 $ 565,000 $ 201,000
Johnson, Missouri 4 $ 600,000 $ 150,000 $ 123,000
Cass, Nebraska 4 $ 1,270,000 $ 317,500 $ 129,000
Tulsa, Oklahoma 4 $ 1,230,000 $ 307,500 $ 156,000
Philadelphia, Pennsylvania 4 $ 1,890,000 $ 472,500 $ 128,000
Shelby, Tennessee 4 $ 2,410,000 $ 602,500 $ 430,000
Comal, Texas 4 $ 1,720,000 $ 430,000 $ 190,000
Galveston, Texas 4 $ 2,390,000 $ 597,500 $ 327,000
Shelby, Alabama 3 $ 1,435,000 $ 478,333 $ 216,000
Chase, Kansas 3 $ 185,000 $ 61,666 $ 40,000
Clay, Kansas 3 $ 275,000 $ 91,666 $ 73,000
Geary, Kansas 3 $ 155,000 $ 51,666 $ 51,000
Marion, Kansas 3 $ 305,000 $ 101,666 $ 52,000
Morris, Kansas 3 $ 585,000 $ 195,000 $ 162,000
Sumner, Kansas 3 $ 425,000 $ 141,666 $ 68,000
Rutherford, Tennessee 3 $ 1,515,000 $ 505,000 $ 338,000
Bastrop, Texas 3 $ 675,000 $ 225,000 $ 181,000
Cooke, Texas 3 $ 415,000 $ 138,333 $ 49,000
Potter, Texas 3 $ 2,085,000 $ 695,000 $ 455,000
Rockwall, Texas 3 $ 1,315,000 $ 438,333 $ 287,000
Victoria, Texas 3 $ 845,000 $ 281,666 $ 138,000
Madison, Alabama 2 $ 1,050,000 $ 525,000 $ 479,000
Cherokee, Georgia 2 $ 980,000 $ 490,000 $ 135,000
Kingman, Kansas 2 $ 210,000 $ 105,000 $ 77,000
Essex, Massachusetts 2 $ 1,350,000 $ 675,000 $ 286,000
Worcester, Massachusetts 2 $ 540,000 $ 270,000 $ 130,000
Lafayette, Mississippi 2 $ 1,210,000 $ 605,000 $ 401,000
Bates, Missouri 2 $ 380,000 $ 190,000 $ 70,000
Caldwell, Missouri 2 $ 220,000 $ 110,000 $ 21,000
Clinton, Missouri 2 $ 380,000 $ 190,000 $ 92,000
Ray, Missouri 2 $ 270,000 $ 135,000 $ 86,000
Sarpy, Nebraska 2 $ 1,230,000 $ 615,000 $ 342,000
Burlington, New Jersey 2 $ 1,030,000 $ 515,000 $ 336,000
Forsyth, North Carolina 2 $ 860,000 $ 430,000 $ 252,000
Mecklenburg, North Carolina 2 $ 980,000 $ 490,000 $ 289,000
Oklahoma, Oklahoma 2 $ 990,000 $ 495,000 $ 211,000
Chester, Pennsylvania 2 $ 1,010,000 $ 505,000 $ 236,000
Delaware, Pennsylvania 2 $ 380,000 $ 190,000 $ 71,000
York, South Carolina 2 $ 1,180,000 $ 590,000 $ 178,000
Wilson, Tennessee 2 $ 470,000 $ 235,000 $ 81,000
Bexar, Texas 2 $ 1,060,000 $ 530,000 $ 255,000
Lubbock, Texas 2 $ 1,210,000 $ 605,000 $ 370,000
Nueces, Texas 2 $ 780,000 $ 390,000 $ 212,000
Randall, Texas 2 $ 1,460,000 $ 730,000 $ 430,000
Baldwin, Alabama 1 $ 405,000 $ 405,000 $ 171,000
Mobile, Alabama 1 $ 515,000 $ 515,000 $ 196,000
Tuscaloosa, Alabama 1 $ 685,000 $ 685,000 $ 363,000
Pulaski, Arkansas 1 $ 145,000 $ 145,000 $ 216,000
Boulder, Colorado 1 $ 305,000 $ 305,000 $ 135,000
El Paso, Colorado 1 $ 645,000 $ 645,000 $ 347,000
Jefferson, Colorado 1 $ 425,000 $ 425,000 $ 139,000
Larimer, Colorado 1 $ 245,000 $ 245,000 $ 120,000
Routt, Colorado 1 $ 595,000 $ 595,000 $ 704,000
Middlesex, Connecticut 1 $ 555,000 $ 555,000 $ 249,000
New Castle, Delaware 1 $ 385,000 $ 385,000 $ 242,000
Manatee, Florida 1 $ 3,365,000 $ 3,365,000 $ 0
Barrow, Georgia 1 $ 725,000 $ 725,000 $ 313,000
Bartow, Georgia 1 $ 515,000 $ 515,000 $ 212,000
Coweta, Georgia 1 $ 335,000 $ 335,000 $ 95,000
Forsyth, Georgia 1 $ 385,000 $ 385,000 $ 185,000
Paulding, Georgia 1 $ 455,000 $ 455,000 $ 153,000
Peoria, Illinois 1 $ 35,000 $ 35,000 $ 22,000
Greenwood, Kansas 1 $ 165,000 $ 165,000 $ 76,000
Linn, Kansas 1 $ 65,000 $ 65,000 $ 29,000
Marshall, Kansas 1 $ 65,000 $ 65,000 $ 38,000
Ottawa, Kansas 1 $ 115,000 $ 115,000 $ 87,000
East Baton Rouge, Louisiana 1 $ 615,000 $ 615,000 $ 385,000
Lee, Mississippi 1 $ 465,000 $ 465,000 $ 320,000
Rankin, Mississippi 1 $ 735,000 $ 735,000 $ 208,000
Barry, Missouri 1 $ 425,000 $ 425,000 $ 641,000
Buchanan, Missouri 1 $ 115,000 $ 115,000 $ 0
Camden, Missouri 1 $ 615,000 $ 615,000 $ 187,000
Franklin, Missouri 1 $ 625,000 $ 625,000 $ 644,000
Gentry, Missouri 1 $ 435,000 $ 435,000 $ 444,000
Henry, Missouri 1 $ 235,000 $ 235,000 $ 185,000
Hickory, Missouri 1 $ 145,000 $ 145,000 $ 0
Jasper, Missouri 1 $ 135,000 $ 135,000 $ 69,000
Laclede, Missouri 1 $ 705,000 $ 705,000 $ 0
Lawrence, Missouri 1 $ 55,000 $ 55,000 $ 101,000
Morgan, Missouri 1 $ 255,000 $ 255,000 $ 220,000
St. Louis City, Missouri 1 $ 75,000 $ 75,000 $ 396,000
Stone, Missouri 1 $ 475,000 $ 475,000 $ 576,000
Taney, Missouri 1 $ 395,000 $ 395,000 $ 421,000
Adams, Nebraska 1 $ 655,000 $ 655,000 $ 400,000
Saunders, Nebraska 1 $ 495,000 $ 495,000 $ 183,000
Seward, Nebraska 1 $ 105,000 $ 105,000 $ 38,000
Hillsborough, New Hampshire 1 $ 405,000 $ 405,000 $ 188,000
Merrimack, New Hampshire 1 $ 285,000 $ 285,000 $ 156,000
Camden, New Jersey 1 $ 295,000 $ 295,000 $ 141,000
Somerset, New Jersey 1 $ 795,000 $ 795,000 $ 451,000
Henderson, North Carolina 1 $ 325,000 $ 325,000 $ 86,000
Randolph, North Carolina 1 $ 475,000 $ 475,000 $ 375,000
Union, North Carolina 1 $ 635,000 $ 635,000 $ 224,000
Wake, North Carolina 1 $ 485,000 $ 485,000 $ 114,000
Cleveland, Oklahoma 1 $ 385,000 $ 385,000 $ 155,000
Wagoner, Oklahoma 1 $ 535,000 $ 535,000 $ 188,000
Lehigh, Pennsylvania 1 $ 155,000 $ 155,000 $ 189,000
Beaufort, South Carolina 1 $ 645,000 $ 645,000 $ 263,000
Charleston, South Carolina 1 $ 765,000 $ 765,000 $ 280,000
Knox, Tennessee 1 $ 905,000 $ 905,000 $ 306,000
Maury, Tennessee 1 $ 555,000 $ 555,000 $ 225,000
Burleson, Texas 1 $ 265,000 $ 265,000 $ 128,000
Burnet, Texas 1 $ 485,000 $ 485,000 $ 197,000
Harrison, Texas 1 $ 725,000 $ 725,000 $ 560,000
Jackson, Texas 1 $ 185,000 $ 185,000 $ 103,000
Kaufman, Texas 1 $ 245,000 $ 245,000 $ 141,000
Liberty, Texas 1 $ 285,000 $ 285,000 $ 184,000
Live Oak, Texas 1 $ 255,000 $ 255,000 $ 82,000
McLennan, Texas 1 $ 465,000 $ 465,000 $ 211,000
San Patricio, Texas 1 $ 175,000 $ 175,000 $ 48,000
Van Zandt, Texas 1 $ 205,000 $ 205,000 $ 117,000
Wise, Texas 1 $ 215,000 $ 215,000 $ 74,000
Wood, Texas 1 $ 285,000 $ 285,000 $ 113,000
Arlington, Virginia 1 $ 905,000 $ 905,000 $ 538,000
Fairfax, Virginia 1 $ 425,000 $ 425,000 $ 126,000
Loudoun, Virginia 1 $ 1,595,000 $ 1,595,000 $ 698,000

Mortgage Loan Application Detail Totals for Capitol Federal Savings Bank in 2018

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 3,740 $993,350,000 $265,000 $3,365,000 $139,000 $2,199,000
Home Improvement 828 $54,410,000 $65,000 $995,000 $132,000 $3,696,000
Refinancing 735 $162,145,000 $220,000 $1,705,000 $153,000 $2,063,000
Cash-out Refinancing 579 $138,585,000 $239,000 $2,425,000 $155,000 $2,073,000
Other Purpose 389 $19,745,000 $50,000 $505,000 $113,000 $1,800,000
Not Applicable 0 $0 $0 $0 $0 $0

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 4,997 $1,106,045,000 $221,000 $1,705,000 $142,000 $2,199,000
Not Provided 529 $111,745,000 $211,000 $1,595,000 $153,000 $928,000
Asian 223 $53,735,000 $240,000 $1,455,000 $117,000 $2,112,000
Hispanic 221 $41,665,000 $188,000 $1,955,000 $125,000 $3,696,000
Black or African American 172 $23,190,000 $134,000 $1,005,000 $89,000 $817,000
Not applicable 74 $21,830,000 $295,000 $3,365,000 $50,000 $56,000
American Indian or Alaskan Native 33 $4,215,000 $127,000 $385,000 $78,000 $405,000
Native Hawaiian or Other Pacific Islander 3 $855,000 $285,000 $495,000 $111,000 $220,000

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) 6,271 $1,368,235,000 $218,000 $3,365,000 $139,000 $3,696,000
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 4,109 $968,765,000 $235,000 $3,365,000 $156,000 $2,199,000
Preapproval Approved but not Accepted 613 $147,515,000 $240,000 $1,955,000 $103,000 $1,162,000
Application Withdrawn By Applicant 465 $85,885,000 $184,000 $1,455,000 $151,000 $3,696,000
Application Denied By Financial Institution 425 $53,085,000 $124,000 $995,000 $84,000 $940,000
Preapproval Denied by Financial Institution 343 $58,395,000 $170,000 $1,205,000 $64,000 $521,000
Application Approved But Not Accepted 176 $37,830,000 $214,000 $885,000 $139,000 $712,000
File Closed For Incompleteness 140 $16,760,000 $119,000 $765,000 $133,000 $886,000
Loan Purchased By The Institution 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
Not applicable 5,503 $1,256,755,000 $228,000 $3,365,000 $148,000 $3,696,000
Debt-To-Income Ratio 357 $51,205,000 $143,000 $905,000 $64,000 $345,000
Credit History 313 $40,065,000 $128,000 $645,000 $70,000 $629,000
Collateral 47 $10,495,000 $223,000 $995,000 $176,000 $940,000
Employment History 14 $2,120,000 $151,000 $385,000 $33,000 $179,000
Insufficient Cash (Downpayment, Closing Cost) 14 $980,000 $70,000 $255,000 $99,000 $169,000
Other 13 $5,125,000 $394,000 $1,205,000 $213,000 $521,000
Unverifiable Information 9 $1,135,000 $126,000 $325,000 $19,000 $80,000
Mortgage Insurance Denied 1 $355,000 $355,000 $355,000 $285,000 $285,000
Credit Application Incomplete 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Capitol Federal Savings Bank's 2018 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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