Capitol Federal Savings Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2023
Capitol Federal Savings Bank 2023 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 | 2,834 |
| Total Mortgage Loan Application Amount | $903,370,000 |
| Average Mortgage Loan Application Amount | $231,800 |
| Highest Mortgage Loan Application Amount | $76,235,000 |
| Average Applicant Income | $195,200 |
| Highest Applicant Income | $9,702,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2023 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 2023 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 2023.
| 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 | 856 | $ 327,110,000 | $ 382,000 | $ 243,000 |
| Sedgwick County Kansas | 432 | $ 71,040,000 | $ 164,000 | $ 135,000 |
| Shawnee County Kansas | 270 | $ 70,840,000 | $ 262,000 | $ 112,000 |
| Jackson County Missouri | 168 | $ 38,440,000 | $ 228,000 | $ 248,000 |
| Douglas County Kansas | 126 | $ 21,510,000 | $ 170,000 | $ 154,000 |
| Wyandotte County Kansas | 68 | $ 7,660,000 | $ 112,000 | $ 178,000 |
| Clay County Missouri | 55 | $ 19,495,000 | $ 354,000 | $ 202,000 |
| Butler County Kansas | 43 | $ 7,685,000 | $ 178,000 | $ 165,000 |
| Lancaster County Nebraska | 41 | $ 18,065,000 | $ 440,000 | $ 190,000 |
| Cass County Missouri | 33 | $ 15,735,000 | $ 476,000 | $ 246,000 |
| Platte County Missouri | 31 | $ 9,885,000 | $ 318,000 | $ 194,000 |
| Miami County Kansas | 30 | $ 7,530,000 | $ 251,000 | $ 163,000 |
| Riley County Kansas | 27 | $ 4,525,000 | $ 167,000 | $ 115,000 |
| Williamson County Tennessee | 23 | $ 19,055,000 | $ 828,000 | $ 279,000 |
| Leavenworth County Kansas | 21 | $ 4,755,000 | $ 226,000 | $ 186,000 |
| St. Charles County Missouri | 19 | $ 8,495,000 | $ 447,000 | $ 208,000 |
| Jefferson County Kansas | 17 | $ 4,265,000 | $ 250,000 | $ 130,000 |
| Pottawatomie County Kansas | 17 | $ 4,335,000 | $ 255,000 | $ 128,000 |
| Lyon County Kansas | 14 | $ 870,000 | $ 62,000 | $ 95,000 |
| Greene County Missouri | 14 | $ 29,000,000 | $ 2,071,000 | $ 291,000 |
| Sarpy County Nebraska | 13 | $ 4,825,000 | $ 371,000 | $ 194,000 |
| Douglas County Nebraska | 12 | $ 6,350,000 | $ 529,000 | $ 250,000 |
| Saline County Kansas | 10 | $ 750,000 | $ 75,000 | $ 97,000 |
| Davidson County Tennessee | 10 | $ 6,950,000 | $ 695,000 | $ 279,000 |
| Montgomery County Pennsylvania | 9 | $ 5,765,000 | $ 640,000 | $ 267,000 |
| Polk County Iowa | 8 | $ 2,620,000 | $ 327,000 | $ 143,000 |
| Osage County Kansas | 8 | $ 710,000 | $ 88,000 | $ 78,000 |
| Sumner County Kansas | 8 | $ 1,420,000 | $ 177,000 | $ 83,000 |
| Wabaunsee County Kansas | 6 | $ 1,210,000 | $ 201,000 | $ 110,000 |
| Boone County Missouri | 6 | $ 2,360,000 | $ 393,000 | $ 439,000 |
| Christian County Missouri | 6 | $ 2,270,000 | $ 378,000 | $ 177,000 |
| Polk County Missouri | 6 | $ 1,720,000 | $ 286,000 | $ 134,000 |
| Franklin County Kansas | 5 | $ 1,965,000 | $ 393,000 | $ 595,000 |
| Harvey County Kansas | 5 | $ 1,695,000 | $ 339,000 | $ 597,000 |
| St. Louis County Missouri | 5 | $ 3,525,000 | $ 705,000 | $ 266,000 |
| Buffalo County Nebraska | 5 | $ 2,785,000 | $ 557,000 | $ 165,000 |
| Knox County Tennessee | 5 | $ 2,975,000 | $ 595,000 | $ 214,000 |
| Jefferson County Alabama | 4 | $ 3,010,000 | $ 752,000 | $ 283,000 |
| Story County Iowa | 4 | $ 1,600,000 | $ 400,000 | $ 110,000 |
| Cowley County Kansas | 4 | $ 360,000 | $ 90,000 | $ 169,000 |
| Jasper County Missouri | 4 | $ 1,120,000 | $ 280,000 | $ 122,000 |
| Bucks County Pennsylvania | 4 | $ 2,870,000 | $ 717,000 | $ 225,000 |
| Loudon County Tennessee | 4 | $ 2,040,000 | $ 510,000 | $ 168,000 |
| Tuscaloosa County Alabama | 3 | $ 1,875,000 | $ 625,000 | $ 243,000 |
| Sussex County Delaware | 3 | $ 1,015,000 | $ 338,000 | $ 126,000 |
| District of Columbia County District Of Columbia | 3 | $ 2,395,000 | $ 798,000 | $ 287,000 |
| Cobb County Georgia | 3 | $ 1,745,000 | $ 581,000 | $ 215,000 |
| Fulton County Georgia | 3 | $ 2,385,000 | $ 795,000 | $ 328,000 |
| Reno County Kansas | 3 | $ 575,000 | $ 191,000 | $ 128,000 |
| Clinton County Missouri | 3 | $ 825,000 | $ 275,000 | $ 210,000 |
| Lafayette County Missouri | 3 | $ 1,445,000 | $ 481,000 | $ 164,000 |
| Tulsa County Oklahoma | 3 | $ 1,035,000 | $ 345,000 | $ 158,000 |
| Rutherford County Tennessee | 3 | $ 1,115,000 | $ 371,000 | $ 101,000 |
| Brown County Wisconsin | 3 | $ 745,000 | $ 248,000 | $ 89,000 |
| Waukesha County Wisconsin | 3 | $ 1,255,000 | $ 418,000 | $ 108,000 |
| Marshall County Alabama | 2 | $ 1,480,000 | $ 740,000 | $ 734,000 |
| Boone County Iowa | 2 | $ 390,000 | $ 195,000 | $ 99,000 |
| Harper County Kansas | 2 | $ 400,000 | $ 200,000 | $ 136,000 |
| Kingman County Kansas | 2 | $ 220,000 | $ 110,000 | $ 91,000 |
| Republic County Kansas | 2 | $ 40,000 | $ 20,000 | $ 53,000 |
| Montgomery County Maryland | 2 | $ 1,250,000 | $ 625,000 | $ 180,000 |
| Norfolk County Massachusetts | 2 | $ 1,620,000 | $ 810,000 | $ 312,000 |
| Kent County Michigan | 2 | $ 1,110,000 | $ 555,000 | $ 188,000 |
| Madison County Mississippi | 2 | $ 2,870,000 | $ 1,435,000 | $ 723,000 |
| Barry County Missouri | 2 | $ 650,000 | $ 325,000 | $ 147,000 |
| Bates County Missouri | 2 | $ 90,000 | $ 45,000 | $ 101,000 |
| Camden County Missouri | 2 | $ 850,000 | $ 425,000 | $ 310,000 |
| Jefferson County Missouri | 2 | $ 600,000 | $ 300,000 | $ 102,000 |
| Newton County Missouri | 2 | $ 820,000 | $ 410,000 | $ 135,000 |
| Stone County Missouri | 2 | $ 520,000 | $ 260,000 | $ 232,000 |
| Taney County Missouri | 2 | $ 1,390,000 | $ 695,000 | $ 246,000 |
| Otoe County Nebraska | 2 | $ 1,360,000 | $ 680,000 | $ 475,000 |
| Saunders County Nebraska | 2 | $ 880,000 | $ 440,000 | $ 139,000 |
| Rockingham County New Hampshire | 2 | $ 1,590,000 | $ 795,000 | $ 242,000 |
| Essex County New Jersey | 2 | $ 2,230,000 | $ 1,115,000 | $ 522,000 |
| Carter County Oklahoma | 2 | $ 370,000 | $ 185,000 | $ 114,000 |
| Oklahoma County Oklahoma | 2 | $ 540,000 | $ 270,000 | $ 82,000 |
| Payne County Oklahoma | 2 | $ 660,000 | $ 330,000 | $ 130,000 |
| Philadelphia County Pennsylvania | 2 | $ 1,400,000 | $ 700,000 | $ 549,000 |
| Hamilton County Tennessee | 2 | $ 1,270,000 | $ 635,000 | $ 236,000 |
| Wilson County Tennessee | 2 | $ 1,340,000 | $ 670,000 | $ 183,000 |
| Alexandria County Virginia | 2 | $ 1,490,000 | $ 745,000 | $ 247,000 |
| Calumet County Wisconsin | 2 | $ 720,000 | $ 360,000 | $ 121,000 |
| Marathon County Wisconsin | 2 | $ 390,000 | $ 195,000 | $ 98,000 |
| Madison County Alabama | 1 | $ 735,000 | $ 735,000 | $ 331,000 |
| Benton County Arkansas | 1 | $ 835,000 | $ 835,000 | $ 358,000 |
| Washington County Arkansas | 1 | $ 595,000 | $ 595,000 | $ 246,000 |
| Adams County Colorado | 1 | $ 455,000 | $ 455,000 | $ 254,000 |
| Denver County Colorado | 1 | $ 885,000 | $ 885,000 | $ 294,000 |
| Douglas County Colorado | 1 | $ 1,085,000 | $ 1,085,000 | $ 613,000 |
| Gunnison County Colorado | 1 | $ 695,000 | $ 695,000 | $ 555,000 |
| Jefferson County Colorado | 1 | $ 705,000 | $ 705,000 | $ 254,000 |
| New Castle County Delaware | 1 | $ 685,000 | $ 685,000 | $ 220,000 |
| Chatham County Georgia | 1 | $ 765,000 | $ 765,000 | $ 210,000 |
| Cherokee County Georgia | 1 | $ 235,000 | $ 235,000 | $ 89,000 |
| DeKalb County Georgia | 1 | $ 705,000 | $ 705,000 | $ 200,000 |
| Forsyth County Georgia | 1 | $ 705,000 | $ 705,000 | $ 258,000 |
| Paulding County Georgia | 1 | $ 535,000 | $ 535,000 | $ 252,000 |
| Kendall County Illinois | 1 | $ 285,000 | $ 285,000 | $ 124,000 |
| Lake County Illinois | 1 | $ 345,000 | $ 345,000 | $ 94,000 |
| Black Hawk County Iowa | 1 | $ 265,000 | $ 265,000 | $ 114,000 |
| Dallas County Iowa | 1 | $ 485,000 | $ 485,000 | $ 196,000 |
| Hamilton County Iowa | 1 | $ 335,000 | $ 335,000 | $ 260,000 |
| Marshall County Iowa | 1 | $ 185,000 | $ 185,000 | $ 75,000 |
| Atchison County Kansas | 1 | $ 315,000 | $ 315,000 | $ 224,000 |
| Clay County Kansas | 1 | $ 215,000 | $ 215,000 | $ 78,000 |
| Crawford County Kansas | 1 | $ 205,000 | $ 205,000 | $ 67,000 |
| Geary County Kansas | 1 | $ 25,000 | $ 25,000 | $ 86,000 |
| Jackson County Kansas | 1 | $ 65,000 | $ 65,000 | $ 36,000 |
| Marshall County Kansas | 1 | $ 65,000 | $ 65,000 | $ 190,000 |
| Mitchell County Kansas | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Montgomery County Kansas | 1 | $ 155,000 | $ 155,000 | $ 77,000 |
| Warren County Kentucky | 1 | $ 305,000 | $ 305,000 | $ 117,000 |
| Anne Arundel County Maryland | 1 | $ 615,000 | $ 615,000 | $ 257,000 |
| Howard County Maryland | 1 | $ 365,000 | $ 365,000 | $ 99,000 |
| Essex County Massachusetts | 1 | $ 515,000 | $ 515,000 | $ 260,000 |
| Middlesex County Massachusetts | 1 | $ 865,000 | $ 865,000 | $ 319,000 |
| Harrison County Mississippi | 1 | $ 405,000 | $ 405,000 | $ 163,000 |
| Daviess County Missouri | 1 | $ 35,000 | $ 35,000 | $ 52,000 |
| Franklin County Missouri | 1 | $ 1,565,000 | $ 1,565,000 | $ 416,000 |
| Henry County Missouri | 1 | $ 245,000 | $ 245,000 | $ 113,000 |
| Hickory County Missouri | 1 | $ 175,000 | $ 175,000 | $ 55,000 |
| Howard County Missouri | 1 | $ 555,000 | $ 555,000 | $ 129,000 |
| Lincoln County Missouri | 1 | $ 225,000 | $ 225,000 | $ 101,000 |
| St. Clair County Missouri | 1 | $ 585,000 | $ 585,000 | $ 232,000 |
| Webster County Missouri | 1 | $ 375,000 | $ 375,000 | $ 85,000 |
| Dodge County Nebraska | 1 | $ 355,000 | $ 355,000 | $ 167,000 |
| Hall County Nebraska | 1 | $ 355,000 | $ 355,000 | $ 108,000 |
| Iredell County North Carolina | 1 | $ 1,095,000 | $ 1,095,000 | $ 300,000 |
| Orange County North Carolina | 1 | $ 405,000 | $ 405,000 | $ 211,000 |
| Canadian County Oklahoma | 1 | $ 165,000 | $ 165,000 | $ 55,000 |
| Logan County Oklahoma | 1 | $ 385,000 | $ 385,000 | $ 266,000 |
| Mayes County Oklahoma | 1 | $ 315,000 | $ 315,000 | $ 85,000 |
| Bedford County Tennessee | 1 | $ 1,005,000 | $ 1,005,000 | $ 0 |
| Carroll County Tennessee | 1 | $ 625,000 | $ 625,000 | $ 157,000 |
| Dickson County Tennessee | 1 | $ 395,000 | $ 395,000 | $ 97,000 |
| Madison County Tennessee | 1 | $ 975,000 | $ 975,000 | $ 320,000 |
| Maury County Tennessee | 1 | $ 875,000 | $ 875,000 | $ 203,000 |
| Shelby County Tennessee | 1 | $ 1,245,000 | $ 1,245,000 | $ 644,000 |
| Sumner County Tennessee | 1 | $ 665,000 | $ 665,000 | $ 321,000 |
| Fairfax County Virginia | 1 | $ 1,445,000 | $ 1,445,000 | $ 763,000 |
| Loudoun County Virginia | 1 | $ 865,000 | $ 865,000 | $ 249,000 |
| Stafford County Virginia | 1 | $ 395,000 | $ 395,000 | $ 109,000 |
| Columbia County Wisconsin | 1 | $ 155,000 | $ 155,000 | $ 80,000 |
| Dane County Wisconsin | 1 | $ 265,000 | $ 265,000 | $ 110,000 |
| Kewaunee County Wisconsin | 1 | $ 185,000 | $ 185,000 | $ 149,000 |
| Milwaukee County Wisconsin | 1 | $ 635,000 | $ 635,000 | $ 283,000 |
| Outagamie County Wisconsin | 1 | $ 745,000 | $ 745,000 | $ 312,000 |
| Rock County Wisconsin | 1 | $ 385,000 | $ 385,000 | $ 240,000 |
| Washington County Wisconsin | 1 | $ 385,000 | $ 385,000 | $ 165,000 |
| Winnebago County Wisconsin | 1 | $ 255,000 | $ 255,000 | $ 98,000 |
Mortgage Loan Application Detail Totals for Capitol Federal Savings Bank in 2023
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 | 1,628 | $740,880,000 | $455,000 | $76,235,000 | $179,000 | $1,709,000 |
| Home Improvement | 621 | $43,555,000 | $70,000 | $705,000 | $188,000 | $4,932,000 |
| Other Purpose | 248 | $23,770,000 | $95,000 | $1,705,000 | $294,000 | $9,702,000 |
| Refinancing | 227 | $69,345,000 | $305,000 | $21,735,000 | $193,000 | $4,164,000 |
| Cash-out Refinancing | 110 | $25,820,000 | $234,000 | $1,365,000 | $122,000 | $504,000 |
| 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 | 2,180 | $609,260,000 | $279,000 | $10,005,000 | $191,000 | $6,492,000 |
| Not Provided | 276 | $86,030,000 | $311,000 | $3,005,000 | $230,000 | $9,702,000 |
| Black or African American | 132 | $18,310,000 | $138,000 | $905,000 | $99,000 | $533,000 |
| Hispanic | 109 | $19,255,000 | $176,000 | $975,000 | $111,000 | $738,000 |
| Asian | 59 | $21,415,000 | $362,000 | $1,005,000 | $235,000 | $2,020,000 |
| Not applicable | 26 | $130,090,000 | $5,003,000 | $76,235,000 | $0 | $0 |
| American Indian or Alaskan Native | 24 | $4,050,000 | $168,000 | $505,000 | $225,000 | $2,022,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $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) | 2,830 | $902,640,000 | $318,000 | $76,235,000 | $190,000 | $9,702,000 |
| VA-guaranteed (Veterans Administration) | 4 | $730,000 | $182,000 | $285,000 | $83,000 | $120,000 |
| 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 | 2,003 | $709,035,000 | $353,000 | $76,235,000 | $177,000 | $1,751,000 |
| Application Denied By Financial Institution | 244 | $38,930,000 | $159,000 | $3,005,000 | $100,000 | $1,399,000 |
| Application Withdrawn By Applicant | 222 | $52,470,000 | $236,000 | $1,705,000 | $372,000 | $6,492,000 |
| Preapproval Approved but not Accepted | 142 | $50,750,000 | $357,000 | $1,505,000 | $148,000 | $775,000 |
| File Closed For Incompleteness | 77 | $10,595,000 | $137,000 | $1,105,000 | $498,000 | $9,702,000 |
| Preapproval Denied by Financial Institution | 75 | $22,425,000 | $299,000 | $3,005,000 | $73,000 | $615,000 |
| Application Approved But Not Accepted | 71 | $19,165,000 | $269,000 | $1,365,000 | $169,000 | $448,000 |
| 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 | 2,515 | $842,015,000 | $334,000 | $76,235,000 | $203,000 | $9,702,000 |
| Debt-To-Income Ratio | 204 | $40,860,000 | $200,000 | $3,005,000 | $91,000 | $615,000 |
| Credit History | 75 | $8,245,000 | $109,000 | $485,000 | $77,000 | $366,000 |
| Collateral | 15 | $2,705,000 | $180,000 | $665,000 | $111,000 | $223,000 |
| Other | 13 | $4,165,000 | $320,000 | $3,005,000 | $251,000 | $1,399,000 |
| Employment History | 6 | $3,870,000 | $645,000 | $1,555,000 | $74,000 | $338,000 |
| Unverifiable Information | 4 | $870,000 | $217,000 | $345,000 | $36,000 | $130,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $205,000 | $205,000 | $205,000 | $75,000 | $75,000 |
| Mortgage Insurance Denied | 1 | $435,000 | $435,000 | $435,000 | $193,000 | $193,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Capitol Federal Savings Bank's 2023 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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with aggregated HMDA statistics today.