Capitol Federal Savings Bank Mortgage Lending & HMDA Data, 2021

In 2021, Capitol Federal Savings Bank of Topeka, KS reported 7,649 mortgage applications totaling $2.2 billion, down 12% from 2020. The average application was for $287,481, and applicants reported an average income of $168,999. 70% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Kansas City, MO-KS (3,256), Wichita, KS (1,116) and Topeka, KS (704) (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 7,649
Total Mortgage Loan Application Amount $2,198,945,000
Average Mortgage Loan Application Amount $287,481
Highest Mortgage Loan Application Amount $11,315,000
Average Applicant Income $168,999
Highest Applicant Income $6,240,000

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records Capitol Federal Savings Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2021

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Johnson, Kansas 2,180 $ 677,070,000 $ 310,582 $ 204,000
Sedgwick, Kansas 975 $ 169,885,000 $ 174,241 $ 120,000
Shawnee, Kansas 631 $ 91,095,000 $ 144,366 $ 108,000
Jackson, Missouri 449 $ 111,025,000 $ 247,271 $ 159,000
Douglas, Kansas 328 $ 67,710,000 $ 206,432 $ 132,000
Clay, Missouri 174 $ 38,520,000 $ 221,379 $ 138,000
Wyandotte, Kansas 134 $ 25,830,000 $ 192,761 $ 111,000
Butler, Kansas 122 $ 28,240,000 $ 231,475 $ 120,000
Riley, Kansas 114 $ 26,820,000 $ 235,263 $ 121,000
Cass, Missouri 102 $ 37,610,000 $ 368,725 $ 192,000
Boone, Missouri 92 $ 22,220,000 $ 241,521 $ 125,000
Greene, Missouri 88 $ 30,350,000 $ 344,886 $ 219,000
Platte, Missouri 87 $ 32,355,000 $ 371,896 $ 230,000
Williamson, Tennessee 77 $ 55,685,000 $ 723,181 $ 276,000
Miami, Kansas 72 $ 19,750,000 $ 274,305 $ 150,000
St. Louis, Missouri 64 $ 40,290,000 $ 629,531 $ 402,000
Montgomery, Pennsylvania 60 $ 36,840,000 $ 614,000 $ 323,000
Leavenworth, Kansas 52 $ 13,070,000 $ 251,346 $ 139,000
Chester, Pennsylvania 44 $ 30,240,000 $ 687,272 $ 303,000
Pottawatomie, Kansas 40 $ 8,080,000 $ 202,000 $ 104,000
Bucks, Pennsylvania 37 $ 23,885,000 $ 645,540 $ 253,000
Christian, Missouri 34 $ 12,630,000 $ 371,470 $ 240,000
Lyon, Kansas 33 $ 4,365,000 $ 132,272 $ 93,000
Saline, Kansas 32 $ 7,430,000 $ 232,187 $ 79,000
Polk, Iowa 31 $ 8,925,000 $ 287,903 $ 172,000
Jefferson, Kansas 27 $ 3,525,000 $ 130,555 $ 153,000
Davidson, Tennessee 27 $ 19,195,000 $ 710,925 $ 346,000
Osage, Kansas 21 $ 3,205,000 $ 152,619 $ 81,000
Delaware, Pennsylvania 21 $ 13,675,000 $ 651,190 $ 376,000
Middlesex, Massachusetts 20 $ 16,420,000 $ 821,000 $ 351,000
Philadelphia, Pennsylvania 20 $ 12,470,000 $ 623,500 $ 225,000
Franklin, Kansas 16 $ 4,410,000 $ 275,625 $ 247,000
Wabaunsee, Kansas 16 $ 4,010,000 $ 250,625 $ 417,000
Lancaster, Nebraska 16 $ 8,830,000 $ 551,875 $ 348,000
Cobb, Georgia 14 $ 9,560,000 $ 682,857 $ 282,000
Story, Iowa 14 $ 3,940,000 $ 281,428 $ 117,000
Harvey, Kansas 13 $ 2,045,000 $ 157,307 $ 115,000
Douglas, Nebraska 13 $ 10,115,000 $ 778,076 $ 425,000
Fulton, Georgia 11 $ 6,435,000 $ 585,000 $ 198,000
Mecklenburg, North Carolina 11 $ 9,095,000 $ 826,818 $ 321,000
Jefferson, Alabama 10 $ 7,690,000 $ 769,000 $ 795,000
Norfolk, Massachusetts 10 $ 8,470,000 $ 847,000 $ 349,000
DeKalb, Georgia 9 $ 5,755,000 $ 639,444 $ 221,000
Jackson, Kansas 9 $ 965,000 $ 107,222 $ 107,000
St. Charles, Missouri 9 $ 4,835,000 $ 537,222 $ 177,000
Fairfield, Connecticut 8 $ 5,720,000 $ 715,000 $ 301,000
Worcester, Massachusetts 8 $ 4,520,000 $ 565,000 $ 204,000
Camden, New Jersey 7 $ 4,215,000 $ 602,142 $ 381,000
Union, North Carolina 7 $ 5,465,000 $ 780,714 $ 292,000
Shelby, Tennessee 7 $ 5,385,000 $ 769,285 $ 371,000
Geary, Kansas 6 $ 1,230,000 $ 205,000 $ 89,000
Sumner, Kansas 6 $ 660,000 $ 110,000 $ 78,000
Camden, Missouri 6 $ 3,300,000 $ 550,000 $ 387,000
Dallas, Iowa 5 $ 1,515,000 $ 303,000 $ 135,000
Cowley, Kansas 5 $ 605,000 $ 121,000 $ 81,000
Kingman, Kansas 5 $ 935,000 $ 187,000 $ 86,000
McPherson, Kansas 5 $ 745,000 $ 149,000 $ 121,000
Reno, Kansas 5 $ 455,000 $ 91,000 $ 103,000
East Baton Rouge, Louisiana 5 $ 3,745,000 $ 749,000 $ 804,000
Essex, Massachusetts 5 $ 3,315,000 $ 663,000 $ 300,000
Webster, Missouri 5 $ 1,175,000 $ 235,000 $ 124,000
Tulsa, Oklahoma 5 $ 3,245,000 $ 649,000 $ 540,000
Baldwin, Alabama 4 $ 2,240,000 $ 560,000 $ 283,000
Marshall, Alabama 4 $ 3,080,000 $ 770,000 $ 268,000
Clay, Kansas 4 $ 440,000 $ 110,000 $ 100,000
Coffey, Kansas 4 $ 710,000 $ 177,500 $ 104,000
Dickinson, Kansas 4 $ 380,000 $ 95,000 $ 101,000
Morris, Kansas 4 $ 210,000 $ 52,500 $ 48,000
Lafayette, Louisiana 4 $ 3,150,000 $ 787,500 $ 320,000
Callaway, Missouri 4 $ 790,000 $ 197,500 $ 101,000
Cooper, Missouri 4 $ 760,000 $ 190,000 $ 101,000
Taney, Missouri 4 $ 1,320,000 $ 330,000 $ 183,000
Burlington, New Jersey 4 $ 2,810,000 $ 702,500 $ 433,000
Bristol, Rhode Island 4 $ 3,060,000 $ 765,000 $ 478,000
Madison, Alabama 3 $ 1,635,000 $ 545,000 $ 240,000
Mobile, Alabama 3 $ 2,485,000 $ 828,333 $ 478,000
Chatham, Georgia 3 $ 2,075,000 $ 691,666 $ 614,000
Lafayette, Mississippi 3 $ 2,075,000 $ 691,666 $ 201,000
Madison, Mississippi 3 $ 2,765,000 $ 921,666 $ 469,000
Jasper, Missouri 3 $ 295,000 $ 98,333 $ 50,000
Johnson, Missouri 3 $ 585,000 $ 195,000 $ 111,000
Stone, Missouri 3 $ 475,000 $ 158,333 $ 144,000
Lehigh, Pennsylvania 3 $ 2,165,000 $ 721,666 $ 400,000
Charleston, South Carolina 3 $ 2,985,000 $ 995,000 $ 274,000
Rutherford, Tennessee 3 $ 2,105,000 $ 701,666 $ 304,000
Wilson, Tennessee 3 $ 1,955,000 $ 651,666 $ 375,000
Dallas, Texas 3 $ 1,765,000 $ 588,333 $ 222,000
Shelby, Alabama 2 $ 1,460,000 $ 730,000 $ 251,000
New Haven, Connecticut 2 $ 1,320,000 $ 660,000 $ 366,000
Forsyth, Georgia 2 $ 1,210,000 $ 605,000 $ 212,000
Gwinnett, Georgia 2 $ 1,410,000 $ 705,000 $ 298,000
Warren, Iowa 2 $ 470,000 $ 235,000 $ 122,000
Atchison, Kansas 2 $ 440,000 $ 220,000 $ 46,000
Chase, Kansas 2 $ 170,000 $ 85,000 $ 48,000
Plymouth, Massachusetts 2 $ 750,000 $ 375,000 $ 171,000
Jackson, Mississippi 2 $ 1,500,000 $ 750,000 $ 414,000
Jefferson, Missouri 2 $ 390,000 $ 195,000 $ 62,000
Lafayette, Missouri 2 $ 450,000 $ 225,000 $ 141,000
Ray, Missouri 2 $ 100,000 $ 50,000 $ 48,000
St. Louis City, Missouri 2 $ 850,000 $ 425,000 $ 219,000
Cass, Nebraska 2 $ 1,480,000 $ 740,000 $ 386,000
Sarpy, Nebraska 2 $ 1,190,000 $ 595,000 $ 493,000
Mercer, New Jersey 2 $ 1,120,000 $ 560,000 $ 452,000
Morris, New Jersey 2 $ 1,920,000 $ 960,000 $ 334,000
Oklahoma, Oklahoma 2 $ 1,420,000 $ 710,000 $ 235,000
Berks, Pennsylvania 2 $ 950,000 $ 475,000 $ 216,000
Knox, Tennessee 2 $ 1,410,000 $ 705,000 $ 525,000
Maury, Tennessee 2 $ 1,310,000 $ 655,000 $ 269,000
Collin, Texas 2 $ 1,380,000 $ 690,000 $ 2,800,000
Travis, Texas 2 $ 1,310,000 $ 655,000 $ 333,000
Tallapoosa, Alabama 1 $ 655,000 $ 655,000 $ 127,000
Tuscaloosa, Alabama 1 $ 575,000 $ 575,000 $ 130,000
Benton, Arkansas 1 $ 835,000 $ 835,000 $ 230,000
Boulder, Colorado 1 $ 905,000 $ 905,000 $ 337,000
Denver, Colorado 1 $ 655,000 $ 655,000 $ 194,000
Douglas, Colorado 1 $ 175,000 $ 175,000 $ 225,000
Jefferson, Colorado 1 $ 815,000 $ 815,000 $ 304,000
New Castle, Delaware 1 $ 595,000 $ 595,000 $ 700,000
Bay, Florida 1 $ 595,000 $ 595,000 $ 849,000
Okaloosa, Florida 1 $ 795,000 $ 795,000 $ 180,000
Walton, Florida 1 $ 705,000 $ 705,000 $ 700,000
Cherokee, Georgia 1 $ 635,000 $ 635,000 $ 248,000
Greene, Georgia 1 $ 895,000 $ 895,000 $ 420,000
Hall, Georgia 1 $ 575,000 $ 575,000 $ 225,000
Jackson, Georgia 1 $ 265,000 $ 265,000 $ 242,000
Ada, Idaho 1 $ 65,000 $ 65,000 $ 55,000
Boone, Iowa 1 $ 205,000 $ 205,000 $ 48,000
Clarke, Iowa 1 $ 4,695,000 $ 4,695,000 $ 0
Jasper, Iowa 1 $ 435,000 $ 435,000 $ 115,000
Brown, Kansas 1 $ 5,000 $ 5,000 $ 36,000
Crawford, Kansas 1 $ 155,000 $ 155,000 $ 0
Finney, Kansas 1 $ 11,315,000 $ 11,315,000 $ 0
Greenwood, Kansas 1 $ 75,000 $ 75,000 $ 63,000
Linn, Kansas 1 $ 5,000 $ 5,000 $ 46,000
Marion, Kansas 1 $ 55,000 $ 55,000 $ 25,000
Marshall, Kansas 1 $ 235,000 $ 235,000 $ 112,000
Ottawa, Kansas 1 $ 65,000 $ 65,000 $ 207,000
Rice, Kansas 1 $ 175,000 $ 175,000 $ 103,000
Woodson, Kansas 1 $ 155,000 $ 155,000 $ 102,000
Ascension, Louisiana 1 $ 725,000 $ 725,000 $ 668,000
Bossier, Louisiana 1 $ 975,000 $ 975,000 $ 376,000
Hampden, Massachusetts 1 $ 285,000 $ 285,000 $ 110,000
Harrison, Mississippi 1 $ 645,000 $ 645,000 $ 541,000
Lee, Mississippi 1 $ 565,000 $ 565,000 $ 231,000
Oktibbeha, Mississippi 1 $ 615,000 $ 615,000 $ 194,000
Barry, Missouri 1 $ 745,000 $ 745,000 $ 367,000
Clinton, Missouri 1 $ 255,000 $ 255,000 $ 156,000
Dallas, Missouri 1 $ 235,000 $ 235,000 $ 81,000
Henry, Missouri 1 $ 145,000 $ 145,000 $ 115,000
Howard, Missouri 1 $ 145,000 $ 145,000 $ 36,000
Lawrence, Missouri 1 $ 305,000 $ 305,000 $ 165,000
Miller, Missouri 1 $ 85,000 $ 85,000 $ 58,000
Morgan, Missouri 1 $ 205,000 $ 205,000 $ 396,000
Polk, Missouri 1 $ 115,000 $ 115,000 $ 91,000
Randolph, Missouri 1 $ 255,000 $ 255,000 $ 101,000
Vernon, Missouri 1 $ 25,000 $ 25,000 $ 137,000
Adams, Nebraska 1 $ 685,000 $ 685,000 $ 1,213,000
Dodge, Nebraska 1 $ 625,000 $ 625,000 $ 213,000
Gage, Nebraska 1 $ 645,000 $ 645,000 $ 183,000
Hillsborough, New Hampshire 1 $ 695,000 $ 695,000 $ 345,000
Monmouth, New Jersey 1 $ 1,505,000 $ 1,505,000 $ 798,000
Caldwell, North Carolina 1 $ 585,000 $ 585,000 $ 144,000
Catawba, North Carolina 1 $ 725,000 $ 725,000 $ 195,000
Wake, North Carolina 1 $ 855,000 $ 855,000 $ 634,000
Washington, Oklahoma 1 $ 255,000 $ 255,000 $ 900,000
Allegheny, Pennsylvania 1 $ 215,000 $ 215,000 $ 56,000
Beaver, Pennsylvania 1 $ 215,000 $ 215,000 $ 89,000
Butler, Pennsylvania 1 $ 435,000 $ 435,000 $ 193,000
Washington, Pennsylvania 1 $ 685,000 $ 685,000 $ 268,000
York, Pennsylvania 1 $ 585,000 $ 585,000 $ 293,000
Beaufort, South Carolina 1 $ 895,000 $ 895,000 $ 382,000
Berkeley, South Carolina 1 $ 675,000 $ 675,000 $ 382,000
Fayette, Tennessee 1 $ 795,000 $ 795,000 $ 182,000
Hamilton, Tennessee 1 $ 665,000 $ 665,000 $ 150,000
Sumner, Tennessee 1 $ 895,000 $ 895,000 $ 376,000
Galveston, Texas 1 $ 335,000 $ 335,000 $ 155,000
Hays, Texas 1 $ 905,000 $ 905,000 $ 260,000
Randall, Texas 1 $ 715,000 $ 715,000 $ 864,000
Tarrant, Texas 1 $ 205,000 $ 205,000 $ 208,000

Mortgage Loan Application Detail Totals for Capitol Federal Savings Bank in 2021

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 2,848 $981,060,000 $344,000 $3,005,000 $161,000 $5,058,000
Cash-out Refinancing 2,244 $637,660,000 $284,000 $1,995,000 $165,000 $5,083,000
Refinancing 1,509 $493,545,000 $327,000 $11,315,000 $191,000 $6,240,000
Home Improvement 696 $48,710,000 $69,000 $1,505,000 $173,000 $4,440,000
Other Purpose 352 $37,970,000 $107,000 $1,005,000 $157,000 $4,530,000
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 5,830 $1,646,720,000 $282,000 $3,005,000 $166,000 $5,083,000
Not Provided 992 $305,100,000 $307,000 $1,505,000 $200,000 $6,240,000
Hispanic 230 $42,270,000 $183,000 $995,000 $105,000 $1,132,000
Black or African American 208 $39,200,000 $188,000 $1,005,000 $113,000 $1,077,000
Asian 195 $73,015,000 $374,000 $1,465,000 $186,000 $2,246,000
Not applicable 82 $56,930,000 $694,000 $11,315,000 $0 $0
American Indian or Alaskan Native 55 $10,895,000 $198,000 $995,000 $114,000 $485,000
Native Hawaiian or Other Pacific Islander 6 $1,150,000 $191,000 $295,000 $854,000 $4,530,000

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) 7,636 $2,196,040,000 $287,000 $11,315,000 $169,000 $6,240,000
VA-guaranteed (Veterans Administration) 13 $2,905,000 $223,000 $415,000 $82,000 $191,000
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 5,391 $1,651,525,000 $306,000 $11,315,000 $177,000 $5,083,000
Preapproval Approved but not Accepted 708 $201,810,000 $285,000 $1,205,000 $117,000 $1,293,000
Application Withdrawn By Applicant 526 $125,610,000 $238,000 $1,525,000 $232,000 $6,240,000
Application Denied By Financial Institution 389 $72,975,000 $187,000 $1,175,000 $96,000 $5,340,000
Preapproval Denied by Financial Institution 276 $59,270,000 $214,000 $1,165,000 $77,000 $1,014,000
File Closed For Incompleteness 199 $40,295,000 $202,000 $995,000 $221,000 $4,530,000
Application Approved But Not Accepted 160 $47,460,000 $296,000 $1,035,000 $179,000 $1,094,000
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 6,984 $2,066,700,000 $295,000 $11,315,000 $177,000 $6,240,000
Debt-To-Income Ratio 290 $66,480,000 $229,000 $1,175,000 $69,000 $312,000
Credit History 243 $36,975,000 $152,000 $905,000 $70,000 $360,000
Collateral 50 $13,630,000 $272,000 $905,000 $140,000 $465,000
Other 47 $8,965,000 $190,000 $1,165,000 $273,000 $5,340,000
Employment History 26 $5,030,000 $193,000 $805,000 $38,000 $111,000
Unverifiable Information 7 $975,000 $139,000 $345,000 $48,000 $113,000
Insufficient Cash (Downpayment, Closing Cost) 2 $190,000 $95,000 $95,000 $53,000 $64,000
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 2021 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.
For a list of all lenders in Kansas, download the full spreadsheet with aggregated HMDA statistics today.

Download the Kansas Lender List