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- Data Updated through 2023
Capitol Federal Savings
HMDA Loan Application Totals
and Mortgage Lending Details
for 2009
Capitol Federal Savings 2009 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 700 S. Kansas Ave Topeka, KS 66601 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 9,464 |
| Total Mortgage Loan Application Amount | $1,778,142,000 |
| Average Mortgage Loan Application Amount | $141,333 |
| Highest Mortgage Loan Application Amount | $1,600,000 |
| Average Applicant Income | $97,666 |
| Highest Applicant Income | $7,005,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2009 with Capitol Federal Savings. 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's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2009 breaks down Capitol Federal Savings'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 serves its applicants.
Each category highlights the total number of mortgage applications processed by Capitol Federal Savings, 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's mortgage activity for 2009.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Anne Arundel County Maryland | 1 | $ 453,000 | $ 453,000 | $ 0 |
| Arapahoe County Colorado | 9 | $ 4,238,000 | $ 470,000 | $ 0 |
| Atchison County Kansas | 1 | $ 70,000 | $ 70,000 | $ 88,000 |
| Baltimore County Maryland | 2 | $ 1,095,000 | $ 547,000 | $ 0 |
| Benton County Arkansas | 1 | $ 452,000 | $ 452,000 | $ 0 |
| Benton County Missouri | 1 | $ 180,000 | $ 180,000 | $ 162,000 |
| Benton County Washington | 1 | $ 111,000 | $ 111,000 | $ 0 |
| Bergen County New Jersey | 7 | $ 2,700,000 | $ 385,000 | $ 0 |
| Bernalillo County New Mexico | 1 | $ 23,000 | $ 23,000 | $ 0 |
| Blaine County Idaho | 1 | $ 545,000 | $ 545,000 | $ 0 |
| Boone County Missouri | 16 | $ 3,840,000 | $ 240,000 | $ 246,000 |
| Boulder County Colorado | 5 | $ 2,440,000 | $ 488,000 | $ 0 |
| Bronx County New York | 1 | $ 47,000 | $ 47,000 | $ 0 |
| Buchanan County Missouri | 1 | $ 195,000 | $ 195,000 | $ 100,000 |
| Bucks County Pennsylvania | 1 | $ 712,000 | $ 712,000 | $ 0 |
| Butler County Kansas | 171 | $ 31,497,000 | $ 184,000 | $ 112,000 |
| Camden County Missouri | 8 | $ 4,420,000 | $ 552,000 | $ 355,000 |
| Carroll County Maryland | 1 | $ 259,000 | $ 259,000 | $ 0 |
| Cass County Missouri | 55 | $ 15,122,000 | $ 274,000 | $ 172,000 |
| Chase County Kansas | 4 | $ 332,000 | $ 83,000 | $ 44,000 |
| Chester County Pennsylvania | 1 | $ 758,000 | $ 758,000 | $ 0 |
| Christian County Missouri | 18 | $ 4,179,000 | $ 232,000 | $ 136,000 |
| Clackamas County Oregon | 2 | $ 394,000 | $ 197,000 | $ 0 |
| Clay County Kansas | 2 | $ 183,000 | $ 91,000 | $ 72,000 |
| Clay County Missouri | 206 | $ 41,392,000 | $ 200,000 | $ 124,000 |
| Clinton County Missouri | 1 | $ 119,000 | $ 119,000 | $ 91,000 |
| Coffey County Kansas | 2 | $ 159,000 | $ 79,000 | $ 56,000 |
| Collin County Texas | 2 | $ 853,000 | $ 426,000 | $ 0 |
| Cook County Illinois | 17 | $ 6,325,000 | $ 372,000 | $ 0 |
| Cowley County Kansas | 2 | $ 432,000 | $ 216,000 | $ 128,000 |
| Dallas County Texas | 5 | $ 3,058,000 | $ 611,000 | $ 0 |
| Delaware County Pennsylvania | 1 | $ 810,000 | $ 810,000 | $ 0 |
| Denton County Texas | 1 | $ 416,000 | $ 416,000 | $ 0 |
| Denver County Colorado | 8 | $ 3,476,000 | $ 434,000 | $ 0 |
| Dickinson County Kansas | 3 | $ 708,000 | $ 236,000 | $ 33,000 |
| Douglas County Colorado | 2 | $ 1,797,000 | $ 898,000 | $ 0 |
| Douglas County Kansas | 424 | $ 75,827,000 | $ 178,000 | $ 104,000 |
| Douglas County Nebraska | 1 | $ 419,000 | $ 419,000 | $ 0 |
| DuPage County Illinois | 6 | $ 1,833,000 | $ 305,000 | $ 0 |
| Essex County New Jersey | 5 | $ 2,666,000 | $ 533,000 | $ 0 |
| Fairfield County Connecticut | 27 | $ 13,975,000 | $ 517,000 | $ 0 |
| Franklin County Kansas | 8 | $ 771,000 | $ 96,000 | $ 65,000 |
| Franklin County Missouri | 1 | $ 426,000 | $ 426,000 | $ 0 |
| Geary County Kansas | 8 | $ 1,270,000 | $ 158,000 | $ 91,000 |
| Greene County Missouri | 74 | $ 19,889,000 | $ 268,000 | $ 197,000 |
| Guilford County North Carolina | 1 | $ 503,000 | $ 503,000 | $ 0 |
| Harris County Texas | 7 | $ 4,098,000 | $ 585,000 | $ 0 |
| Harvey County Kansas | 21 | $ 2,846,000 | $ 135,000 | $ 114,000 |
| Henderson County North Carolina | 1 | $ 774,000 | $ 774,000 | $ 0 |
| Hennepin County Minnesota | 3 | $ 1,320,000 | $ 440,000 | $ 0 |
| Hickory County Missouri | 1 | $ 69,000 | $ 69,000 | $ 109,000 |
| Howard County Maryland | 1 | $ 213,000 | $ 213,000 | $ 0 |
| Iredell County North Carolina | 1 | $ 512,000 | $ 512,000 | $ 0 |
| Jackson County Kansas | 16 | $ 1,961,000 | $ 122,000 | $ 89,000 |
| Jackson County Missouri | 525 | $ 102,955,000 | $ 196,000 | $ 128,000 |
| Jackson County North Carolina | 1 | $ 445,000 | $ 445,000 | $ 0 |
| Jefferson County Colorado | 3 | $ 1,344,000 | $ 448,000 | $ 0 |
| Jefferson County Kansas | 26 | $ 2,929,000 | $ 112,000 | $ 74,000 |
| Jefferson County Missouri | 2 | $ 287,000 | $ 143,000 | $ 89,000 |
| Johnson County Kansas | 3,020 | $ 671,803,000 | $ 222,000 | $ 140,000 |
| Johnson County Missouri | 3 | $ 637,000 | $ 212,000 | $ 96,000 |
| Kane County Illinois | 2 | $ 375,000 | $ 187,000 | $ 0 |
| Kent County Maryland | 1 | $ 484,000 | $ 484,000 | $ 0 |
| King County Washington | 2 | $ 786,000 | $ 393,000 | $ 0 |
| Kingman County Kansas | 1 | $ 90,000 | $ 90,000 | $ 62,000 |
| Kings County New York | 2 | $ 812,000 | $ 406,000 | $ 0 |
| Lafayette County Missouri | 1 | $ 600,000 | $ 600,000 | $ 236,000 |
| Lake County Illinois | 6 | $ 2,105,000 | $ 350,000 | $ 0 |
| Lane County Oregon | 1 | $ 104,000 | $ 104,000 | $ 0 |
| Larimer County Colorado | 1 | $ 909,000 | $ 909,000 | $ 0 |
| Leavenworth County Kansas | 57 | $ 10,020,000 | $ 175,000 | $ 104,000 |
| Linn County Kansas | 1 | $ 256,000 | $ 256,000 | $ 101,000 |
| Litchfield County Connecticut | 1 | $ 984,000 | $ 984,000 | $ 0 |
| Luzerne County Pennsylvania | 2 | $ 322,000 | $ 161,000 | $ 0 |
| Lyon County Kansas | 66 | $ 5,804,000 | $ 87,000 | $ 65,000 |
| Madison County Alabama | 1 | $ 278,000 | $ 278,000 | $ 0 |
| Marshall County Kansas | 1 | $ 184,000 | $ 184,000 | $ 65,000 |
| McPherson County Kansas | 10 | $ 768,000 | $ 76,000 | $ 74,000 |
| Mecklenburg County North Carolina | 3 | $ 1,281,000 | $ 427,000 | $ 0 |
| Mercer County New Jersey | 3 | $ 746,000 | $ 248,000 | $ 0 |
| Miami County Kansas | 71 | $ 15,936,000 | $ 224,000 | $ 134,000 |
| Middlesex County New Jersey | 1 | $ 214,000 | $ 214,000 | $ 0 |
| Monmouth County New Jersey | 1 | $ 334,000 | $ 334,000 | $ 0 |
| Monroe County New York | 2 | $ 60,000 | $ 30,000 | $ 0 |
| Montgomery County Maryland | 11 | $ 3,453,000 | $ 313,000 | $ 0 |
| Montgomery County Pennsylvania | 2 | $ 1,073,000 | $ 536,000 | $ 0 |
| Montgomery County Texas | 2 | $ 909,000 | $ 454,000 | $ 0 |
| Morgan County Missouri | 3 | $ 3,050,000 | $ 1,016,000 | $ 736,000 |
| Morris County New Jersey | 1 | $ 127,000 | $ 127,000 | $ 0 |
| Multnomah County Oregon | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Nassau County New York | 7 | $ 2,557,000 | $ 365,000 | $ 0 |
| New Castle County Delaware | 1 | $ 104,000 | $ 104,000 | $ 0 |
| New Hanover County North Carolina | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Niagara County New York | 1 | $ 27,000 | $ 27,000 | $ 0 |
| Oldham County Kentucky | 1 | $ 586,000 | $ 586,000 | $ 0 |
| Orange County North Carolina | 1 | $ 585,000 | $ 585,000 | $ 0 |
| Osage County Kansas | 21 | $ 2,329,000 | $ 110,000 | $ 70,000 |
| Ottawa County Kansas | 1 | $ 160,000 | $ 160,000 | $ 126,000 |
| Park County Colorado | 1 | $ 500,000 | $ 500,000 | $ 236,000 |
| Platte County Missouri | 138 | $ 43,564,000 | $ 315,000 | $ 177,000 |
| Polk County Iowa | 1 | $ 415,000 | $ 415,000 | $ 0 |
| Pottawatomie County Kansas | 71 | $ 9,879,000 | $ 139,000 | $ 83,000 |
| Prince George's County Maryland | 2 | $ 122,000 | $ 61,000 | $ 0 |
| Providence County Rhode Island | 2 | $ 938,000 | $ 469,000 | $ 0 |
| Pulaski County Arkansas | 1 | $ 588,000 | $ 588,000 | $ 0 |
| Queens County New York | 3 | $ 256,000 | $ 85,000 | $ 0 |
| Ray County Missouri | 1 | $ 123,000 | $ 123,000 | $ 112,000 |
| Reno County Kansas | 5 | $ 530,000 | $ 106,000 | $ 116,000 |
| Riley County Kansas | 165 | $ 25,951,000 | $ 157,000 | $ 100,000 |
| Rockland County New York | 2 | $ 931,000 | $ 465,000 | $ 0 |
| Sagadahoc County Maine | 1 | $ 81,000 | $ 81,000 | $ 0 |
| Saline County Kansas | 63 | $ 6,081,000 | $ 96,000 | $ 62,000 |
| Santa Fe County New Mexico | 1 | $ 363,000 | $ 363,000 | $ 0 |
| Scott County Minnesota | 1 | $ 987,000 | $ 987,000 | $ 0 |
| Sedgwick County Kansas | 1,992 | $ 286,488,000 | $ 143,000 | $ 92,000 |
| Shawnee County Kansas | 797 | $ 94,875,000 | $ 119,000 | $ 84,000 |
| Shelby County Tennessee | 1 | $ 514,000 | $ 514,000 | $ 0 |
| Snohomish County Washington | 1 | $ 87,000 | $ 87,000 | $ 0 |
| Somerset County New Jersey | 1 | $ 400,000 | $ 400,000 | $ 0 |
| St. Charles County Missouri | 5 | $ 2,244,000 | $ 448,000 | $ 202,000 |
| St. Louis City County Missouri | 2 | $ 944,000 | $ 472,000 | $ 165,000 |
| St. Louis County Missouri | 59 | $ 28,011,000 | $ 474,000 | $ 246,000 |
| Suffolk County New York | 2 | $ 1,375,000 | $ 687,000 | $ 0 |
| Summit County Utah | 1 | $ 574,000 | $ 574,000 | $ 0 |
| Sumner County Kansas | 14 | $ 1,703,000 | $ 121,000 | $ 84,000 |
| Taney County Missouri | 1 | $ 183,000 | $ 183,000 | $ 151,000 |
| Tarrant County Texas | 2 | $ 685,000 | $ 342,000 | $ 0 |
| Tom Green County Texas | 1 | $ 210,000 | $ 210,000 | $ 0 |
| Travis County Texas | 2 | $ 1,145,000 | $ 572,000 | $ 0 |
| Union County New Jersey | 1 | $ 437,000 | $ 437,000 | $ 0 |
| Wabaunsee County Kansas | 21 | $ 2,751,000 | $ 131,000 | $ 73,000 |
| Walworth County Wisconsin | 1 | $ 202,000 | $ 202,000 | $ 0 |
| Washington County Oregon | 1 | $ 578,000 | $ 578,000 | $ 0 |
| Westchester County New York | 15 | $ 7,004,000 | $ 466,000 | $ 0 |
| Will County Illinois | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Wyandotte County Kansas | 129 | $ 15,333,000 | $ 118,000 | $ 112,000 |
| York County Maine | 1 | $ 449,000 | $ 449,000 | $ 0 |
Mortgage Loan Application Detail Totals for Capitol Federal Savings in 2009
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 |
|---|---|---|---|---|---|---|
| Refinancing | 5,868 | $1,136,605,000 | $193,000 | $1,500,000 | $119,000 | $7,005,000 |
| Home Purchase | 3,383 | $631,891,000 | $186,000 | $1,600,000 | $97,000 | $3,515,000 |
| Home Improvement | 213 | $9,646,000 | $45,000 | $688,000 | $77,000 | $769,000 |
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 | 7,581 | $1,398,442,000 | $184,000 | $1,600,000 | $114,000 | $3,515,000 |
| Not Provided | 746 | $133,909,000 | $179,000 | $1,500,000 | $118,000 | $1,305,000 |
| Asian | 332 | $64,439,000 | $194,000 | $1,000,000 | $113,000 | $1,669,000 |
| Hispanic | 260 | $36,915,000 | $141,000 | $1,235,000 | $100,000 | $7,005,000 |
| Not applicable | 252 | $107,338,000 | $425,000 | $1,448,000 | $5,000 | $1,327,000 |
| Black or African American | 231 | $27,316,000 | $118,000 | $1,200,000 | $62,000 | $583,000 |
| American Indian or Alaskan Native | 49 | $7,166,000 | $146,000 | $581,000 | $81,000 | $181,000 |
| Native Hawaiian or Other Pacific Islander | 13 | $2,617,000 | $201,000 | $544,000 | $179,000 | $890,000 |
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) | 9,424 | $1,772,667,000 | $188,000 | $1,600,000 | $110,000 | $7,005,000 |
| FHA-insured (Federal Housing Administration) | 40 | $5,475,000 | $136,000 | $261,000 | $62,000 | $237,000 |
| 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 | 6,514 | $1,194,256,000 | $183,000 | $1,600,000 | $121,000 | $7,005,000 |
| Application Denied By Financial Institution | 952 | $198,484,000 | $208,000 | $1,500,000 | $97,000 | $1,669,000 |
| Preapproval Denied by Financial Institution | 917 | $138,272,000 | $150,000 | $1,280,000 | $63,000 | $1,630,000 |
| Application Withdrawn By Applicant | 431 | $74,790,000 | $173,000 | $1,300,000 | $131,000 | $2,062,000 |
| Application Approved But Not Accepted | 278 | $44,702,000 | $160,000 | $850,000 | $94,000 | $602,000 |
| Loan Purchased By The Institution | 243 | $101,473,000 | $417,000 | $993,000 | $0 | $0 |
| File Closed For Incompleteness | 129 | $26,165,000 | $202,000 | $1,500,000 | $146,000 | $2,229,000 |
| 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 | 819 | $154,650,000 | $188,000 | $1,500,000 | $57,000 | $521,000 |
| Credit History | 434 | $55,200,000 | $127,000 | $646,000 | $79,000 | $1,669,000 |
| Collateral | 250 | $55,236,000 | $220,000 | $1,000,000 | $126,000 | $1,327,000 |
| Other | 233 | $50,069,000 | $214,000 | $1,500,000 | $118,000 | $1,238,000 |
| Employment History | 51 | $5,787,000 | $113,000 | $432,000 | $47,000 | $250,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 45 | $6,870,000 | $152,000 | $1,000,000 | $73,000 | $537,000 |
| Mortgage Insurance Denied | 20 | $4,005,000 | $200,000 | $465,000 | $85,000 | $135,000 |
| Unverifiable Information | 16 | $4,903,000 | $306,000 | $1,500,000 | $150,000 | $1,200,000 |
| Credit Application Incomplete | 1 | $36,000 | $36,000 | $36,000 | $26,000 | $26,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Capitol Federal Savings's 2009 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'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.
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