Capitol Federal Savings Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2019
Capitol Federal Savings Bank 2019 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 | 6,343 |
| Total Mortgage Loan Application Amount | $1,459,045,000 |
| Average Mortgage Loan Application Amount | $185,400 |
| Highest Mortgage Loan Application Amount | $11,875,000 |
| Average Applicant Income | $155,000 |
| Highest Applicant Income | $9,407,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2019 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 2019 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 2019.
| 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 | 1,952 | $ 465,690,000 | $ 238,000 | $ 167,000 |
| Sedgwick County Kansas | 847 | $ 132,855,000 | $ 156,000 | $ 119,000 |
| Shawnee County Kansas | 552 | $ 80,030,000 | $ 144,000 | $ 93,000 |
| Jackson County Missouri | 384 | $ 83,360,000 | $ 217,000 | $ 146,000 |
| Douglas County Kansas | 285 | $ 47,975,000 | $ 168,000 | $ 118,000 |
| Clay County Missouri | 143 | $ 29,455,000 | $ 205,000 | $ 143,000 |
| Wyandotte County Kansas | 133 | $ 18,245,000 | $ 137,000 | $ 116,000 |
| Riley County Kansas | 100 | $ 22,720,000 | $ 227,000 | $ 110,000 |
| Platte County Missouri | 95 | $ 25,345,000 | $ 266,000 | $ 319,000 |
| Butler County Kansas | 91 | $ 17,965,000 | $ 197,000 | $ 129,000 |
| Cass County Missouri | 64 | $ 21,310,000 | $ 332,000 | $ 177,000 |
| Leavenworth County Kansas | 52 | $ 27,820,000 | $ 535,000 | $ 148,000 |
| Miami County Kansas | 49 | $ 9,885,000 | $ 201,000 | $ 167,000 |
| Pottawatomie County Kansas | 43 | $ 9,215,000 | $ 214,000 | $ 110,000 |
| Greene County Missouri | 42 | $ 16,450,000 | $ 391,000 | $ 345,000 |
| Boone County Missouri | 38 | $ 9,500,000 | $ 250,000 | $ 136,000 |
| Harris County Texas | 36 | $ 21,110,000 | $ 586,000 | $ 303,000 |
| Lyon County Kansas | 34 | $ 3,340,000 | $ 98,000 | $ 70,000 |
| Saline County Kansas | 34 | $ 3,240,000 | $ 95,000 | $ 81,000 |
| Travis County Texas | 32 | $ 18,130,000 | $ 566,000 | $ 301,000 |
| Williamson County Tennessee | 21 | $ 12,505,000 | $ 595,000 | $ 302,000 |
| Dallas County Texas | 19 | $ 12,095,000 | $ 636,000 | $ 301,000 |
| Jefferson County Kansas | 16 | $ 2,000,000 | $ 125,000 | $ 88,000 |
| St. Louis County Missouri | 16 | $ 11,700,000 | $ 731,000 | $ 520,000 |
| Osage County Kansas | 14 | $ 1,340,000 | $ 95,000 | $ 79,000 |
| Tarrant County Texas | 12 | $ 7,600,000 | $ 633,000 | $ 355,000 |
| Franklin County Kansas | 11 | $ 1,825,000 | $ 165,000 | $ 119,000 |
| Sumner County Kansas | 10 | $ 1,070,000 | $ 107,000 | $ 93,000 |
| Harvey County Kansas | 9 | $ 1,465,000 | $ 162,000 | $ 89,000 |
| Christian County Missouri | 9 | $ 3,295,000 | $ 366,000 | $ 174,000 |
| Cowley County Kansas | 8 | $ 820,000 | $ 102,000 | $ 114,000 |
| Reno County Kansas | 8 | $ 1,020,000 | $ 127,000 | $ 111,000 |
| Wabaunsee County Kansas | 8 | $ 1,260,000 | $ 157,000 | $ 68,000 |
| Jackson County Kansas | 7 | $ 935,000 | $ 133,000 | $ 97,000 |
| Lancaster County Nebraska | 7 | $ 3,535,000 | $ 505,000 | $ 381,000 |
| Victoria County Texas | 7 | $ 2,015,000 | $ 287,000 | $ 144,000 |
| Clay County Kansas | 6 | $ 800,000 | $ 133,000 | $ 121,000 |
| Kingman County Kansas | 6 | $ 890,000 | $ 148,000 | $ 188,000 |
| McPherson County Kansas | 6 | $ 710,000 | $ 118,000 | $ 82,000 |
| Davidson County Tennessee | 6 | $ 3,750,000 | $ 625,000 | $ 251,000 |
| Brazoria County Texas | 6 | $ 1,900,000 | $ 316,000 | $ 145,000 |
| Collin County Texas | 6 | $ 3,430,000 | $ 571,000 | $ 256,000 |
| Geary County Kansas | 5 | $ 555,000 | $ 111,000 | $ 91,000 |
| St. Charles County Missouri | 5 | $ 1,255,000 | $ 251,000 | $ 96,000 |
| Denton County Texas | 5 | $ 3,105,000 | $ 621,000 | $ 405,000 |
| Randall County Texas | 5 | $ 2,915,000 | $ 583,000 | $ 275,000 |
| Jefferson County Alabama | 4 | $ 2,570,000 | $ 642,000 | $ 256,000 |
| Dickinson County Kansas | 4 | $ 360,000 | $ 90,000 | $ 70,000 |
| East Baton Rouge County Louisiana | 4 | $ 2,760,000 | $ 690,000 | $ 307,000 |
| Clinton County Missouri | 4 | $ 410,000 | $ 102,000 | $ 77,000 |
| Johnson County Missouri | 4 | $ 1,180,000 | $ 295,000 | $ 158,000 |
| Parker County Texas | 4 | $ 1,720,000 | $ 430,000 | $ 209,000 |
| Williamson County Texas | 4 | $ 2,570,000 | $ 642,000 | $ 299,000 |
| Shelby County Alabama | 3 | $ 615,000 | $ 205,000 | $ 115,000 |
| Cobb County Georgia | 3 | $ 1,465,000 | $ 488,000 | $ 248,000 |
| Fulton County Georgia | 3 | $ 1,555,000 | $ 518,000 | $ 210,000 |
| Polk County Iowa | 3 | $ 1,155,000 | $ 385,000 | $ 136,000 |
| Coffey County Kansas | 3 | $ 215,000 | $ 71,000 | $ 94,000 |
| Linn County Kansas | 3 | $ 335,000 | $ 111,000 | $ 73,000 |
| Morris County Kansas | 3 | $ 315,000 | $ 105,000 | $ 156,000 |
| Douglas County Nebraska | 3 | $ 2,055,000 | $ 685,000 | $ 750,000 |
| Sarpy County Nebraska | 3 | $ 1,905,000 | $ 635,000 | $ 234,000 |
| Mecklenburg County North Carolina | 3 | $ 1,795,000 | $ 598,000 | $ 344,000 |
| Chester County Pennsylvania | 3 | $ 1,845,000 | $ 615,000 | $ 197,000 |
| Delaware County Pennsylvania | 3 | $ 1,915,000 | $ 638,000 | $ 345,000 |
| Aransas County Texas | 3 | $ 975,000 | $ 325,000 | $ 231,000 |
| Bastrop County Texas | 3 | $ 805,000 | $ 268,000 | $ 121,000 |
| Brazos County Texas | 3 | $ 1,645,000 | $ 548,000 | $ 211,000 |
| Montgomery County Texas | 3 | $ 1,645,000 | $ 548,000 | $ 283,000 |
| Benton County Arkansas | 2 | $ 1,410,000 | $ 705,000 | $ 312,000 |
| Douglas County Colorado | 2 | $ 1,460,000 | $ 730,000 | $ 203,000 |
| Chatham County Georgia | 2 | $ 920,000 | $ 460,000 | $ 176,000 |
| Forsyth County Georgia | 2 | $ 880,000 | $ 440,000 | $ 250,000 |
| Dallas County Iowa | 2 | $ 910,000 | $ 455,000 | $ 309,000 |
| Harper County Kansas | 2 | $ 220,000 | $ 110,000 | $ 122,000 |
| Marshall County Kansas | 2 | $ 360,000 | $ 180,000 | $ 82,000 |
| Madison County Mississippi | 2 | $ 1,310,000 | $ 655,000 | $ 483,000 |
| Benton County Missouri | 2 | $ 230,000 | $ 115,000 | $ 177,000 |
| Callaway County Missouri | 2 | $ 360,000 | $ 180,000 | $ 77,000 |
| Dallas County Missouri | 2 | $ 240,000 | $ 120,000 | $ 96,000 |
| Adams County Nebraska | 2 | $ 5,320,000 | $ 2,660,000 | $ 285,000 |
| Saunders County Nebraska | 2 | $ 1,610,000 | $ 805,000 | $ 543,000 |
| Rogers County Oklahoma | 2 | $ 9,250,000 | $ 4,625,000 | $ 110,000 |
| York County Pennsylvania | 2 | $ 780,000 | $ 390,000 | $ 153,000 |
| Shelby County Tennessee | 2 | $ 830,000 | $ 415,000 | $ 194,000 |
| Burnet County Texas | 2 | $ 920,000 | $ 460,000 | $ 181,000 |
| Comal County Texas | 2 | $ 520,000 | $ 260,000 | $ 93,000 |
| Cooke County Texas | 2 | $ 1,100,000 | $ 550,000 | $ 234,000 |
| Ellis County Texas | 2 | $ 450,000 | $ 225,000 | $ 87,000 |
| Fort Bend County Texas | 2 | $ 1,260,000 | $ 630,000 | $ 302,000 |
| Gillespie County Texas | 2 | $ 770,000 | $ 385,000 | $ 138,000 |
| Grayson County Texas | 2 | $ 720,000 | $ 360,000 | $ 211,000 |
| Hays County Texas | 2 | $ 1,340,000 | $ 670,000 | $ 265,000 |
| Jefferson County Texas | 2 | $ 810,000 | $ 405,000 | $ 193,000 |
| Lubbock County Texas | 2 | $ 1,300,000 | $ 650,000 | $ 519,000 |
| Potter County Texas | 2 | $ 1,580,000 | $ 790,000 | $ 778,000 |
| Waller County Texas | 2 | $ 910,000 | $ 455,000 | $ 330,000 |
| Wharton County Texas | 2 | $ 450,000 | $ 225,000 | $ 113,000 |
| Baldwin County Alabama | 1 | $ 525,000 | $ 525,000 | $ 193,000 |
| Lee County Alabama | 1 | $ 635,000 | $ 635,000 | $ 224,000 |
| Mobile County Alabama | 1 | $ 185,000 | $ 185,000 | $ 263,000 |
| Tallapoosa County Alabama | 1 | $ 765,000 | $ 765,000 | $ 1,108,000 |
| Saline County Arkansas | 1 | $ 525,000 | $ 525,000 | $ 231,000 |
| Santa Clara County California | 1 | $ 55,000 | $ 55,000 | $ 1,590,000 |
| Adams County Colorado | 1 | $ 545,000 | $ 545,000 | $ 197,000 |
| Boulder County Colorado | 1 | $ 755,000 | $ 755,000 | $ 400,000 |
| Eagle County Colorado | 1 | $ 515,000 | $ 515,000 | $ 339,000 |
| Gwinnett County Georgia | 1 | $ 175,000 | $ 175,000 | $ 100,000 |
| Monroe County Illinois | 1 | $ 575,000 | $ 575,000 | $ 271,000 |
| Lucas County Iowa | 1 | $ 6,285,000 | $ 6,285,000 | $ 0 |
| Cloud County Kansas | 1 | $ 105,000 | $ 105,000 | $ 106,000 |
| Finney County Kansas | 1 | $ 5,085,000 | $ 5,085,000 | $ 0 |
| Caddo County Louisiana | 1 | $ 895,000 | $ 895,000 | $ 590,000 |
| Lincoln County Louisiana | 1 | $ 635,000 | $ 635,000 | $ 327,000 |
| York County Maine | 1 | $ 105,000 | $ 105,000 | $ 54,000 |
| Bristol County Massachusetts | 1 | $ 515,000 | $ 515,000 | $ 210,000 |
| Essex County Massachusetts | 1 | $ 495,000 | $ 495,000 | $ 127,000 |
| Norfolk County Massachusetts | 1 | $ 785,000 | $ 785,000 | $ 438,000 |
| Lee County Mississippi | 1 | $ 135,000 | $ 135,000 | $ 75,000 |
| Oktibbeha County Mississippi | 1 | $ 705,000 | $ 705,000 | $ 600,000 |
| Audrain County Missouri | 1 | $ 115,000 | $ 115,000 | $ 86,000 |
| Barry County Missouri | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Buchanan County Missouri | 1 | $ 385,000 | $ 385,000 | $ 123,000 |
| Camden County Missouri | 1 | $ 1,005,000 | $ 1,005,000 | $ 0 |
| Cole County Missouri | 1 | $ 75,000 | $ 75,000 | $ 50,000 |
| Cooper County Missouri | 1 | $ 195,000 | $ 195,000 | $ 110,000 |
| DeKalb County Missouri | 1 | $ 225,000 | $ 225,000 | $ 113,000 |
| Franklin County Missouri | 1 | $ 515,000 | $ 515,000 | $ 283,000 |
| Jasper County Missouri | 1 | $ 95,000 | $ 95,000 | $ 67,000 |
| Morgan County Missouri | 1 | $ 235,000 | $ 235,000 | $ 213,000 |
| Ray County Missouri | 1 | $ 5,000 | $ 5,000 | $ 62,000 |
| Buffalo County Nebraska | 1 | $ 3,255,000 | $ 3,255,000 | $ 0 |
| Dodge County Nebraska | 1 | $ 825,000 | $ 825,000 | $ 561,000 |
| Hall County Nebraska | 1 | $ 625,000 | $ 625,000 | $ 371,000 |
| Madison County Nebraska | 1 | $ 3,795,000 | $ 3,795,000 | $ 0 |
| Guilford County North Carolina | 1 | $ 495,000 | $ 495,000 | $ 188,000 |
| Canadian County Oklahoma | 1 | $ 375,000 | $ 375,000 | $ 165,000 |
| Comanche County Oklahoma | 1 | $ 65,000 | $ 65,000 | $ 22,000 |
| Tulsa County Oklahoma | 1 | $ 325,000 | $ 325,000 | $ 135,000 |
| Wagoner County Oklahoma | 1 | $ 205,000 | $ 205,000 | $ 86,000 |
| Bucks County Pennsylvania | 1 | $ 505,000 | $ 505,000 | $ 265,000 |
| Montgomery County Pennsylvania | 1 | $ 605,000 | $ 605,000 | $ 230,000 |
| Hamilton County Tennessee | 1 | $ 295,000 | $ 295,000 | $ 187,000 |
| Rutherford County Tennessee | 1 | $ 435,000 | $ 435,000 | $ 89,000 |
| Bexar County Texas | 1 | $ 515,000 | $ 515,000 | $ 317,000 |
| Brown County Texas | 1 | $ 295,000 | $ 295,000 | $ 290,000 |
| Galveston County Texas | 1 | $ 135,000 | $ 135,000 | $ 82,000 |
| Jim Wells County Texas | 1 | $ 405,000 | $ 405,000 | $ 127,000 |
| Kleberg County Texas | 1 | $ 185,000 | $ 185,000 | $ 88,000 |
| Liberty County Texas | 1 | $ 315,000 | $ 315,000 | $ 126,000 |
| Matagorda County Texas | 1 | $ 315,000 | $ 315,000 | $ 133,000 |
| McLennan County Texas | 1 | $ 435,000 | $ 435,000 | $ 222,000 |
| Navarro County Texas | 1 | $ 255,000 | $ 255,000 | $ 120,000 |
| Wood County Texas | 1 | $ 135,000 | $ 135,000 | $ 42,000 |
Mortgage Loan Application Detail Totals for Capitol Federal Savings Bank in 2019
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 | 3,193 | $821,565,000 | $257,000 | $2,505,000 | $132,000 | $2,550,000 |
| Cash-out Refinancing | 1,278 | $376,750,000 | $294,000 | $11,875,000 | $147,000 | $3,934,000 |
| Home Improvement | 814 | $40,920,000 | $50,000 | $545,000 | $147,000 | $4,200,000 |
| Refinancing | 777 | $200,485,000 | $258,000 | $1,235,000 | $178,000 | $9,407,000 |
| Other Purpose | 281 | $19,325,000 | $68,000 | $1,005,000 | $171,000 | $3,011,000 |
| 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 | 5,023 | $1,119,625,000 | $222,000 | $1,595,000 | $144,000 | $3,934,000 |
| Not Provided | 588 | $129,750,000 | $220,000 | $1,225,000 | $173,000 | $9,407,000 |
| Hispanic | 248 | $45,000,000 | $181,000 | $1,005,000 | $111,000 | $1,734,000 |
| Asian | 207 | $50,955,000 | $246,000 | $1,505,000 | $142,000 | $2,297,000 |
| Black or African American | 145 | $17,515,000 | $120,000 | $665,000 | $75,000 | $750,000 |
| Not applicable | 60 | $77,620,000 | $1,293,000 | $11,875,000 | $0 | $0 |
| American Indian or Alaskan Native | 40 | $9,350,000 | $233,000 | $2,505,000 | $157,000 | $1,222,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $735,000 | $245,000 | $525,000 | $187,000 | $250,000 |
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) | 6,340 | $1,458,740,000 | $230,000 | $11,875,000 | $144,000 | $9,407,000 |
| VA-guaranteed (Veterans Administration) | 3 | $305,000 | $101,000 | $145,000 | $50,000 | $75,000 |
| 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 |
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 | 4,206 | $1,023,460,000 | $243,000 | $11,875,000 | $148,000 | $1,552,000 |
| Preapproval Approved but not Accepted | 638 | $151,680,000 | $237,000 | $1,005,000 | $106,000 | $824,000 |
| Application Withdrawn By Applicant | 496 | $96,430,000 | $194,000 | $1,405,000 | $251,000 | $9,407,000 |
| Application Denied By Financial Institution | 407 | $59,005,000 | $144,000 | $795,000 | $79,000 | $466,000 |
| Preapproval Denied by Financial Institution | 271 | $51,215,000 | $188,000 | $2,505,000 | $71,000 | $1,222,000 |
| Application Approved But Not Accepted | 173 | $46,435,000 | $268,000 | $1,505,000 | $154,000 | $2,297,000 |
| File Closed For Incompleteness | 152 | $30,820,000 | $202,000 | $1,225,000 | $156,000 | $1,320,000 |
| 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 | 5,665 | $1,348,825,000 | $238,000 | $11,875,000 | $152,000 | $9,407,000 |
| Debt-To-Income Ratio | 325 | $54,435,000 | $167,000 | $1,105,000 | $69,000 | $466,000 |
| Credit History | 253 | $34,665,000 | $137,000 | $565,000 | $75,000 | $377,000 |
| Collateral | 41 | $8,915,000 | $217,000 | $625,000 | $115,000 | $385,000 |
| Other | 30 | $6,490,000 | $216,000 | $2,505,000 | $124,000 | $1,222,000 |
| Employment History | 22 | $4,800,000 | $218,000 | $555,000 | $44,000 | $150,000 |
| Unverifiable Information | 5 | $595,000 | $119,000 | $225,000 | $44,000 | $144,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $320,000 | $160,000 | $195,000 | $85,000 | $108,000 |
| 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 2019 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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