Capitol Federal Savings Bank Mortgage Rates, Fees & Info

Topeka, KS

LEI: 549300C61LNGA8J8EF85

Tax ID: 48-0160040

5 stars - Updated: 4/5/25 - out of 5 stars, based on 41 reviews

Latest/2024 | 2023 Data | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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  • SimulatedRates™
  • Mortgage Calculator

    • Mortgage Data

  • Originations
  • Relative Rates
  • Relative Fees
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Review & Overview

    Capitol Federal Savings Bank is a smaller bank specializing in Home Purchase loans. Capitol Federal Savings Bank has a high proportion of conventional loans. Their top markets by origination volume include: Kansas City, Wichita, Topeka, Salina, and Lawrence among others. We have data for 22 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Capitol Federal Savings Bank has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Capitol Federal Savings Bank is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    Home Equity Line of Credit (HELOC) 6.72% 4/5/25
    30 Year Conventional Purchase 6.58% 4/5/25
    30 Year Conventional Refi 6.57% 4/5/25
    30 Year Cash-out Refi 6.53% 4/5/25
    30 Year VA Purchase 6.57% 4/5/25
    15 Year Conventional Purchase 5.59% 4/5/25
    15 Year Conventional Refi 5.52% 4/5/25
    15 Year Cash-out Refi 5.52% 4/5/25
    These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

    Capitol Federal Savings Bank Mortgage Calculator






    Your Estimates

    Estimated Loan Payment: Update the calculator values and click calculate payment!

    This is not an official calculator from Capitol Federal Savings Bank. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

    The default purchase price is the median sales price across the US for 2022Q4, per FRED.


    Originations

    1,705

    Origination Dollar Volume (All Markets)

    $510,015,000
    Show all (10) awards

    Relative Rate

    Capitol Federal Savings Bank's average 30 year fixed mortgage rate was 6.36%.

    The 2024 average 30 year fixed rate mortgage across all markets and lenders was 6.55%.

    This yields a difference of -0.19%.

    Relative Fees (Closing Costs)

    Capitol Federal Savings Bank's average total fees/closing costs for a 30 year fixed rate mortgage were $3,150.

    The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including both points & up-front fees in addition to origination fees) were $8,356.

    Top Markets

    Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

    Market Originations Total Value Average Loan Average Fees Average Rate
    KANSAS CITY, MO-KS (FHA|USDA|VA) 980 $305,870,000 $312,112 $3,045 6.55%
    WICHITA, KS (FHA|USDA|VA) 316 $112,110,000 $354,778 $2,649 6.90%
    TOPEKA, KS (FHA|USDA|VA) 229 $34,355,000 $150,022 $2,333 7.13%
    Salina, KS (FHA|USDA|VA) 11 $23,945,000 $2,176,818 $2,245 6.99%
    LAWRENCE, KS (FHA|USDA|VA) 97 $17,325,000 $178,608 $2,504 7.59%
    MANHATTAN, KS (FHA|USDA|VA) 26 $5,120,000 $196,923 $2,463 7.34%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 1 $3,325,000 $3,325,000 $0 8.50%
    Emporia, KS (FHA|USDA|VA) 18 $2,070,000 $115,000 $1,923 7.56%
    Ottawa, KS (FHA|USDA|VA) 6 $1,520,000 $253,333 $3,959 6.79%
    Outside of Metro Areas 8 $1,210,000 $151,250 $2,523 6.55%
    OKLAHOMA CITY, OK (FHA|USDA|VA) 2 $750,000 $375,000 $3,996 6.13%
    Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 1 $475,000 $475,000 $6,565 6.50%
    Hutchinson, KS (FHA|USDA|VA) 1 $425,000 $425,000 $3,448 4.88%
    PUNTA GORDA, FL (FHA|USDA|VA) 1 $305,000 $305,000 $0 7.15%
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 1 $265,000 $265,000 $4,731 6.13%
    ST. JOSEPH, MO-KS (FHA|USDA|VA) 1 $265,000 $265,000 $8,026 6.00%
    Hays, KS (FHA|USDA|VA) 1 $265,000 $265,000 $3,382 7.00%
    Great Bend, KS (FHA|USDA|VA) 1 $125,000 $125,000 $0 8.50%
    Russellville, AR (FHA|USDA|VA) 1 $125,000 $125,000 $2,673 6.88%
    ST. LOUIS, MO-IL (FHA|USDA|VA) 1 $85,000 $85,000 $512 8.50%
    Lexington, NE (FHA|USDA|VA) 1 $55,000 $55,000 $784 8.50%
    SPRINGFIELD, MO (FHA|USDA|VA) 1 $25,000 $25,000 $99 8.50%
    Capitol Federal Savings Bank's top markets include Kansas City, Wichita, Topeka, Salina, and Lawrence among others.

    Their top states include:
  • Kansas (FHA|USDA|VA)
  • Missouri (FHA|USDA|VA)
  • Arizona (FHA|USDA|VA)
  • Oklahoma (FHA|USDA|VA)
  • (FHA|USDA|VA)

    • Similar Lenders

    We use machine learning to identify the top lenders compared against Capitol Federal Savings Bank based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    ESB Financial
    Similarity Rank: 21
    Columbia Bank
    Similarity Rank: 32
    The Farmers State Bank of Westmoreland
    Similarity Rank: 44
    South Metro Federal Credit Union
    Similarity Rank: 45
    KANSAS STATE UNIVERSITY Federal Credit Union
    Similarity Rank: 48
    CRESCENT MORTGAGE COMPANY
    Similarity Rank: 80
    County Savings Bank
    Similarity Rank: 82
    Piscataqua Savings Bank
    Similarity Rank: 100
    DSLD MORTGAGE, LLC
    Similarity Rank: 105
    GSB MORTGAGE, INC.
    Similarity Rank: 133

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,197 $464,985,000 $388,459 $2,835 5.80%
    HELOC 507 $44,745,000 $88,254 n/a 9.11%
    VA 1 $285,000 $285,000 $0 6.75%

    For 2024, Capitol Federal Savings Bank's most frequently originated type of loan was Conventional, with 1,197 originations. Their 2nd most popular type was HELOC, with 507 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 850 $382,680,000 $450,212 $3,672 6.45%
    Home Improvement 441 $26,065,000 $59,104 $327 6.21%
    Refi 182 $72,610,000 $398,956 $2,065 8.15%
    Other 175 $14,735,000 $84,200 $840 8.66%
    Cash Out Refi 57 $13,925,000 $244,298 $2,694 6.06%

    For 2024, Capitol Federal Savings Bank's most frequently cited loan purpose was Home Purchase, with 850 originations. The 2nd most popular reason was Home Improvement, with 441 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 680 $226,020,000 $332,382 $3,150 6.36%
    Other 524 $47,840,000 $91,298 $1,451 8.88%
    15 Year 176 $47,410,000 $269,375 $2,899 5.57%
    1 Year 167 $6,915,000 $41,407 $0 2.20%
    20 Year 66 $7,290,000 $110,455 $780 8.89%
    30+ year 42 $34,780,000 $828,095 $12,590 6.38%
    10 Year 37 $3,155,000 $85,270 $1,029 7.75%
    5 Year 12 $136,600,000 $11,383,333 $225 7.30%
    3 Year 1 $5,000 $5,000 $204 8.00%

    For 2024, Capitol Federal Savings Bank's most frequently cited loan duration was 30 Year, with 680 originations. The 2nd most popular length was Other, with 524 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 800 $259,610,000 $324,513
    $<1k 293 $14,265,000 $48,686
    $5k+ 54 $42,240,000 $782,222
    $2k-3k 10 $2,570,000 $257,000
    $3k-4k 6 $1,430,000 $238,333
    $4k-5k 6 $1,370,000 $228,333

    Capitol Federal Savings Bank's average total fees were $3,150, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 800 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    6-7% 647 $225,435,000 $348,431
    Over 8% 621 $113,625,000 $182,971
    5-6% 235 $73,035,000 $310,787
    <2.5% 132 $660,000 $5,000
    4-5% 47 $15,055,000 $320,319
    7-8% 22 $81,450,000 $3,702,273
    3-4% 1 $755,000 $755,000

    During 2024, Capitol Federal Savings Bank's average interest rate for loans was 6.36%, while their most frequently originated rate bucket for loans was 6-7%, with 647 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 640 $26,190,000 $40,922 $588 6.78%
    $200k-400k 468 $132,070,000 $282,201 $3,033 6.55%
    $100k-200k 328 $46,220,000 $140,915 $2,601 7.52%
    $400k-600k 160 $76,560,000 $478,500 $3,920 6.33%
    $600k-1MM 77 $56,265,000 $730,714 $5,793 6.11%
    $1MM+ 32 $172,710,000 $5,397,188 $11,603 6.62%

    2024 saw Capitol Federal Savings Bank place emphasis on $100,000 or less loans with 640 originations, totaling $26,190,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $150k-250k 447 $121,785,000 $272,450 $3,380 7.36%
    $100k-150k 384 $78,450,000 $204,297 $2,821 7.31%
    $250k+ 223 $111,775,000 $501,233 $4,958 7.16%
    $75k-100k 203 $29,015,000 $142,931 $2,673 7.53%
    $50k-75k 185 $20,455,000 $110,568 $2,315 7.37%
    $50k or less 91 $5,425,000 $59,615 $1,910 7.39%

    Capitol Federal Savings Bank lent most frequently to those with incomes in the $150k-250k range, with 447 originations. The second most popular income band? $100k-150k, with 384 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    30-36% 398 $92,600,000 $232,663 $3,032 7.27%
    20-30% 378 $76,900,000 $203,439 $2,890 7.32%
    41% 147 $40,535,000 $275,748 $3,744 7.77%
    42% 121 $34,515,000 $285,248 $3,918 7.53%
    <20% 114 $20,670,000 $181,316 $2,841 7.05%
    37% 91 $22,125,000 $243,132 $3,233 7.37%
    40% 89 $27,975,000 $314,326 $4,223 7.23%
    39% 78 $20,060,000 $257,179 $3,160 7.33%
    36% 61 $15,695,000 $257,295 $3,538 7.20%
    38% 59 $12,985,000 $220,085 $2,454 7.29%
    43% 2 $560,000 $280,000 $3,096 6.94%

    Capitol Federal Savings Bank lent most frequently to those with DTI ratios of 30-36%, with 398 originations. The next most common DTI ratio? 20-30%, with 378 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,346 $305,650,000 $227,080 $3,024 7.16%
    Not applicable 25 $140,415,000 $5,616,600 $0 7.98%
    Not provided 156 $42,640,000 $273,333 $3,450 7.12%
    Asian 46 $11,290,000 $245,435 $2,803 4.97%
    Black 108 $6,100,000 $56,481 $492 2.36%
    Asian Indian 5 $1,705,000 $341,000 $4,463 6.38%
    American Indian 14 $1,550,000 $110,714 $1,537 5.65%
    Chinese 1 $235,000 $235,000 $2,765 5.63%
    Korean 1 $165,000 $165,000 $2,608 7.00%
    Filipino 1 $135,000 $135,000 $963 9.00%
    Other Asian 1 $125,000 $125,000 $2,443 6.63%
    Native Hawaiian or Islander 1 $5,000 $5,000 $0 0.00%

    Approval Rates

    Total approvals of all applications
    90.35%

    Capitol Federal Savings Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    81.17%

    Capitol Federal Savings Bank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 1,705 $510,015,000 $299,129

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    1,705 $510,015,000 $299,129

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 267 $31,545,000 $118,146 $1,888 8.26%
    40-60% 195 $110,745,000 $567,923 $3,625 6.99%
    60-80% 387 $220,045,000 $568,592 $3,909 6.44%
    80-100% 340 $125,570,000 $369,324 $3,355 6.34%
    Under 20% 384 $21,450,000 $55,859 $831 8.72%