Capitol Federal Savings Bank Mortgage Rates, Fees & Info

Topeka, KS

LEI: 549300C61LNGA8J8EF85

Tax ID: 48-0160040

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

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Mortgage Data

Bank Data

Review & Overview

Capitol Federal Savings Bank is a small bank specializing in Home Purchase and Cash Out Refi loans. Capitol Federal Savings Bank has a high proportion of conventional loans. Their top markets by origination volume include: Kansas City, Wichita, Topeka, Lawrence, and Dallas among others. We have data for 76 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) 6.27% 3/24/24
30 Year Conventional Purchase 6.33% 3/24/24
30 Year Conventional Refi 6.29% 3/24/24
30 Year Cash-out Refi 6.30% 3/24/24
30 Year VA Purchase 5.92% 3/24/24
30 Year VA Refi 5.82% 3/24/24
15 Year Conventional Purchase 5.54% 3/24/24
15 Year Conventional Refi 5.69% 3/24/24
15 Year Cash-out Refi 5.69% 3/24/24
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

4,206

Origination Dollar Volume (All Markets)

$1,023,460,000

Employee count

753 Show all (15) awards

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) 2,170 $534,350,000 $246,244 $2,509 4.19%
WICHITA, KS (FHA|USDA|VA) 754 $121,590,000 $161,260 $2,095 4.10%
TOPEKA, KS (FHA|USDA|VA) 450 $68,930,000 $153,178 $2,101 4.21%
LAWRENCE, KS (FHA|USDA|VA) 222 $37,870,000 $170,586 $2,117 4.39%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 47 $27,705,000 $589,468 $7,723 3.82%
MANHATTAN, KS (FHA|USDA|VA) 118 $26,820,000 $227,288 $2,166 4.04%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 44 $23,210,000 $527,500 $7,379 4.11%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 37 $20,355,000 $550,135 $9,019 4.01%
SPRINGFIELD, MO (FHA|USDA|VA) 49 $19,035,000 $388,469 $2,763 3.79%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 23 $14,025,000 $609,783 $4,116 3.87%
ST. LOUIS, MO-IL (FHA|USDA|VA) 17 $11,755,000 $691,471 $4,416 3.82%
Outside of Metro Areas 29 $11,275,000 $388,793 $3,040 4.43%
TULSA, OK (FHA|USDA|VA) 4 $9,780,000 $2,445,000 $7,326 4.94%
COLUMBIA, MO (FHA|USDA|VA) 38 $9,400,000 $247,368 $1,919 3.65%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 8 $5,570,000 $696,250 $4,133 3.83%
Hastings, NE (FHA|USDA|VA) 2 $5,320,000 $2,660,000 $1,454 4.19%
Garden City, KS (FHA|USDA|VA) 1 $5,085,000 $5,085,000 $0 4.63%
AMARILLO, TX (FHA|USDA|VA) 7 $4,495,000 $642,143 $8,365 4.25%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 6 $3,820,000 $636,667 $8,953 3.63%
Norfolk, NE (FHA|USDA|VA) 1 $3,795,000 $3,795,000 $0 4.63%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 8 $3,740,000 $467,500 $5,107 4.22%
LINCOLN, NE (FHA|USDA|VA) 7 $3,535,000 $505,000 $2,478 3.91%
Kearney, NE (FHA|USDA|VA) 1 $3,255,000 $3,255,000 $0 4.63%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 7 $3,185,000 $455,000 $3,268 3.95%
Emporia, KS (FHA|USDA|VA) 27 $2,825,000 $104,630 $1,687 4.73%
BATON ROUGE, LA (FHA|USDA|VA) 4 $2,760,000 $690,000 $4,712 3.81%
Salina, KS (FHA|USDA|VA) 26 $2,500,000 $96,154 $1,877 4.62%
DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 5 $2,065,000 $413,000 $2,632 3.68%
VICTORIA, TX (FHA|USDA|VA) 7 $2,015,000 $287,857 $8,534 4.54%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 3 $1,795,000 $598,333 $3,534 4.13%
Ottawa, KS (FHA|USDA|VA) 9 $1,655,000 $183,889 $2,076 3.93%
COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 3 $1,645,000 $548,333 $10,707 4.88%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 2 $1,440,000 $720,000 $5,554 4.44%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 2 $1,410,000 $705,000 $3,765 3.75%
JACKSON, MS (FHA|USDA|VA) 2 $1,310,000 $655,000 $3,932 3.31%
LUBBOCK, TX (FHA|USDA|VA) 2 $1,300,000 $650,000 $7,572 4.38%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 2 $1,280,000 $640,000 $7,025 3.75%
Warrensburg, MO (FHA|USDA|VA) 3 $1,155,000 $385,000 $2,405 3.21%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 3 $1,035,000 $345,000 $6,760 4.38%
Rockport, TX (FHA|USDA|VA) 3 $975,000 $325,000 $9,238 4.67%
SAVANNAH, GA (FHA|USDA|VA) 2 $920,000 $460,000 $11,719 4.50%
SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 1 $895,000 $895,000 $6,146 4.88%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 2 $830,000 $415,000 $3,737 4.13%
Fremont, NE (FHA|USDA|VA) 1 $825,000 $825,000 $1,932 3.75%
BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 2 $810,000 $405,000 $10,395 4.81%
YORK-HANOVER, PA (FHA|USDA|VA) 2 $780,000 $390,000 $9,671 3.81%
Alexander City, AL (FHA|USDA|VA) 1 $765,000 $765,000 $3,442 2.75%
BOULDER, CO (FHA|USDA|VA) 1 $755,000 $755,000 $2,891 5.25%
Gainesville, TX (FHA|USDA|VA) 1 $755,000 $755,000 $6,620 3.25%
SHERMAN-DENISON, TX (FHA|USDA|VA) 2 $720,000 $360,000 $9,348 5.00%
Starkville, MS (FHA|USDA|VA) 1 $705,000 $705,000 $4,637 5.00%
Ruston, LA (FHA|USDA|VA) 1 $635,000 $635,000 $4,320 4.13%
AUBURN-OPELIKA, AL (FHA|USDA|VA) 1 $635,000 $635,000 $3,194 4.13%
GRAND ISLAND, NE (FHA|USDA|VA) 1 $625,000 $625,000 $1,907 4.13%
Winfield, KS (FHA|USDA|VA) 5 $555,000 $111,000 $2,427 4.63%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 1 $525,000 $525,000 $2,776 3.75%
Edwards, CO (FHA|USDA|VA) 1 $515,000 $515,000 $500 5.25%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 1 $515,000 $515,000 $4,062 3.75%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 1 $495,000 $495,000 $8,883 4.88%
Hutchinson, KS (FHA|USDA|VA) 4 $490,000 $122,500 $2,383 4.03%
El Campo, TX (FHA|USDA|VA) 2 $450,000 $225,000 $7,084 4.44%
McPherson, KS (FHA|USDA|VA) 4 $440,000 $110,000 $1,558 4.25%
WACO, TX (FHA|USDA|VA) 1 $435,000 $435,000 $5,935 3.88%
Alice, TX (FHA|USDA|VA) 1 $405,000 $405,000 $10,929 4.25%
ST. JOSEPH, MO-KS (FHA|USDA|VA) 1 $385,000 $385,000 $2,228 3.75%
OKLAHOMA CITY, OK (FHA|USDA|VA) 1 $375,000 $375,000 $7,857 3.63%
Fredericksburg, TX (FHA|USDA|VA) 1 $355,000 $355,000 $6,966 4.88%
Bay City, TX (FHA|USDA|VA) 1 $315,000 $315,000 $9,295 4.25%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 1 $295,000 $295,000 $3,078 4.00%
Brownwood, TX (FHA|USDA|VA) 1 $295,000 $295,000 $11,365 4.00%
Kingsville, TX (FHA|USDA|VA) 1 $185,000 $185,000 $6,485 5.00%
MOBILE, AL (FHA|USDA|VA) 1 $185,000 $185,000 $2,706 3.88%
JEFFERSON CITY, MO (FHA|USDA|VA) 2 $180,000 $90,000 $1,774 3.88%
Tupelo, MS (FHA|USDA|VA) 1 $135,000 $135,000 $3,173 3.50%
Mexico, MO (FHA|USDA|VA) 1 $115,000 $115,000 $1,766 4.63%
JOPLIN, MO (FHA|USDA|VA) 1 $95,000 $95,000 $2,473 5.13%
Capitol Federal Savings Bank's top markets include Kansas City, Wichita, Topeka, Lawrence, and Dallas among others.

Their top states include:
  • Kansas (FHA|USDA|VA)
  • Missouri (FHA|USDA|VA)
  • Texas (FHA|USDA|VA)
  • Nebraska (FHA|USDA|VA)
  • Tennessee (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
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 3,500 $984,040,000 $281,154 $2,696 3.76%
    HELOC 706 $39,420,000 $55,836 n/a 6.20%

    For 2019, Capitol Federal Savings Bank's most frequently originated type of loan was Conventional, with 3,500 originations. Their 2nd most popular type was HELOC, with 706 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 1,897 $519,745,000 $273,983 $3,173 3.93%
    Cash Out Refi 1,019 $317,585,000 $311,663 $2,282 3.61%
    Home Improvement 599 $29,835,000 $49,808 $573 5.76%
    Refi 534 $145,770,000 $272,978 $2,509 3.80%
    Other 157 $10,525,000 $67,038 $790 5.85%

    For 2019, Capitol Federal Savings Bank's most frequently cited loan purpose was Home Purchase, with 1,897 originations. The 2nd most popular reason was Cash Out Refi, with 1,019 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 2,170 $610,840,000 $281,493 $2,786 3.81%
    Other 761 $54,275,000 $71,321 $2,617 5.94%
    15 Year 722 $232,260,000 $321,690 $2,217 3.25%
    20 Year 291 $58,115,000 $199,708 $1,981 4.05%
    30+ year 86 $48,630,000 $565,465 $8,654 3.81%
    10 Year 85 $10,005,000 $117,706 $1,224 4.61%
    1 Year 80 $7,730,000 $96,625 $0 5.37%
    5 Year 9 $1,355,000 $150,556 $310 5.45%
    3 Year 2 $250,000 $125,000 $104 6.00%

    For 2019, Capitol Federal Savings Bank's most frequently cited loan duration was 30 Year, with 2,170 originations. The 2nd most popular length was Other, with 761 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 2,487 $561,545,000 $225,792
    $1k-2k 591 $191,575,000 $324,154
    $5k+ 160 $94,380,000 $589,875
    $4k-5k 63 $22,485,000 $356,905
    $2k-3k 57 $23,625,000 $414,474
    $3k-4k 48 $12,070,000 $251,458

    Capitol Federal Savings Bank's average total fees were $2,786, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 2,487 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 2,095 $590,405,000 $281,816
    5-6% 698 $48,660,000 $69,713
    4-5% 647 $245,095,000 $378,818
    2.5-3% 529 $126,735,000 $239,575
    7-8% 134 $8,050,000 $60,075
    6-7% 72 $3,360,000 $46,667
    <2.5% 31 $1,155,000 $37,258

    During 2019, Capitol Federal Savings Bank's average interest rate for loans was 3.81%, while their most frequently originated rate bucket for loans was 3-4%, with 2,095 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 1,188 $177,430,000 $149,352 $2,049 3.82%
    $200k-400k 1,183 $326,295,000 $275,820 $2,606 3.71%
    $100,000 or less 1,167 $57,315,000 $49,113 $1,319 5.23%
    $400k-600k 381 $186,995,000 $490,801 $4,150 3.75%
    $600k-1MM 254 $183,430,000 $722,165 $5,941 3.68%
    $1MM+ 33 $91,995,000 $2,787,727 $11,525 4.08%

    2019 saw Capitol Federal Savings Bank place emphasis on $100k-200k loans with 1,188 originations, totaling $177,430,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 1,052 $212,540,000 $202,034 $2,405 4.16%
    $150k-250k 872 $263,670,000 $302,374 $3,351 4.25%
    $75k-100k 642 $98,400,000 $153,271 $2,149 4.21%
    $50k-75k 641 $82,055,000 $128,011 $1,977 4.15%
    $250k+ 470 $248,430,000 $528,574 $4,790 4.02%
    $50k or less 434 $35,140,000 $80,968 $1,632 3.95%

    Capitol Federal Savings Bank lent most frequently to those with incomes in the $100k-150k range, with 1,052 originations. The second most popular income band? $150k-250k, with 872 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 1,307 $291,135,000 $222,751 $2,571 4.14%
    30-36% 897 $215,375,000 $240,106 $2,908 4.16%
    <20% 690 $147,480,000 $213,739 $2,487 4.09%
    39% 172 $44,680,000 $259,767 $3,033 4.10%
    36% 169 $43,135,000 $255,237 $2,840 4.11%
    42% 158 $36,670,000 $232,089 $2,742 4.23%
    40% 155 $39,695,000 $256,097 $2,820 4.15%
    41% 153 $38,035,000 $248,595 $2,860 4.22%
    38% 149 $41,105,000 $275,872 $3,258 4.00%
    37% 147 $35,705,000 $242,891 $2,831 4.06%
    43% 10 $2,110,000 $211,000 $2,314 5.08%
    >60% 6 $1,620,000 $270,000 $2,312 3.35%
    50-60% 4 $1,220,000 $305,000 $2,405 4.22%
    46% 1 $215,000 $215,000 $1,967 4.38%
    44% 1 $75,000 $75,000 $0 6.00%

    Capitol Federal Savings Bank lent most frequently to those with DTI ratios of 20-30%, with 1,307 originations. The next most common DTI ratio? 30-36%, with 897 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 3,524 $806,750,000 $228,930 $2,705 4.18%
    Not provided 384 $92,330,000 $240,443 $2,890 4.08%
    Not applicable 60 $77,620,000 $1,293,667 $0 5.50%
    Asian 106 $26,250,000 $247,642 $2,553 3.83%
    Black 86 $11,130,000 $129,419 $1,703 3.46%
    American Indian 27 $4,225,000 $156,481 $2,733 4.23%
    Asian Indian 12 $3,700,000 $308,333 $2,279 4.19%
    Native Hawaiian or Islander 2 $590,000 $295,000 $2,434 5.13%
    Other Pacific Islander 1 $485,000 $485,000 $4,147 3.63%
    Korean 2 $190,000 $95,000 $0 7.88%
    Chinese 1 $175,000 $175,000 $1,838 3.25%
    Filipino 1 $15,000 $15,000 $0 8.00%

    Approval Rates

    Total approvals of all applications
    93.58%

    Capitol Federal Savings Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    84.09%

    Capitol Federal Savings Bank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    500.0 56 $4,890,000 $87,321
    NA 4,150 $1,018,570,000 $245,439

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 17 $69,535,000 $4,090,294
    Single Family (1-4 Units):Site-Built 4,189 $953,925,000 $227,721

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 422 $43,950,000 $104,147 $1,827 4.81%
    40-60% 476 $99,680,000 $209,412 $2,531 3.83%
    60-80% 1,549 $472,465,000 $305,013 $3,151 3.75%
    80-100% 1,188 $387,230,000 $325,951 $2,617 3.77%
    Over 100% 1 $125,000 $125,000 $3,000 3.63%
    Under 20% 570 $20,010,000 $35,105 $397 5.96%

    Complaints

    Bank Name Product Issue 2019 CPFB Complaints % of Total Issues
    CAPITAL ONE FINANCIAL CORPORATION Other type of mortgage Trouble during payment process 1 3.8%
    CAPITAL ONE FINANCIAL CORPORATION Home equity loan or line of credit (HELOC) Trouble during payment process 2 7.7%
    CAPITAL ONE FINANCIAL CORPORATION Other type of mortgage Applying for a mortgage or refinancing an existing mortgage 1 3.8%
    CAPITAL ONE FINANCIAL CORPORATION Other type of mortgage Struggling to pay mortgage 1 3.8%
    CAPITAL ONE FINANCIAL CORPORATION Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 2 7.7%
    CAPITAL ONE FINANCIAL CORPORATION Conventional home mortgage Closing on a mortgage 3 11.5%
    CAPITAL ONE FINANCIAL CORPORATION Conventional home mortgage Problem with a credit reporting company's investigation into an existing problem 1 3.8%
    CAPITAL ONE FINANCIAL CORPORATION Conventional home mortgage Struggling to pay mortgage 3 11.5%
    CAPITAL ONE FINANCIAL CORPORATION Conventional home mortgage Trouble during payment process 10 38.5%
    CAPITAL ONE FINANCIAL CORPORATION Home equity loan or line of credit (HELOC) Applying for a mortgage or refinancing an existing mortgage 2 7.7%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Capitol Federal Savings Bank 10101 College Blvd Overland Park, KS 66210 Full Service B&M $212,690
    Capitol Federal Savings Bank 1025 Iowa St Lawrence, KS 66044 Full Service B&M $228,909
    Capitol Federal Savings Bank 10404 W Central Ave Wichita, KS 67212 Full Service B&M $140,797
    Capitol Federal Savings Bank 114 E Cloud Ave Andover, KS 67002 Full Service B&M $26,913
    Capitol Federal Savings Bank 11700 W 135th St Overland Park, KS 66221 Full Service Retail $33,134
    Capitol Federal Savings Bank 1201 Sw Topeka Blvd Topeka, KS 66612 Full Service B&M $75,056
    Capitol Federal Savings Bank 12200 Blue Valley Pkwy Overland Park, KS 66213 Full Service Retail $44,390
    Capitol Federal Savings Bank 13100 State Line Rd Leawood, KS 66209 Full Service B&M $65,644
    Capitol Federal Savings Bank 13500 Metcalf Ave Overland Park, KS 66223 Full Service B&M $205,432
    Capitol Federal Savings Bank 1401 Poyntz Ave Manhattan, KS 66502 Full Service B&M $139,845
    Capitol Federal Savings Bank 1408 E Santa Fe St Olathe, KS 66061 Full Service B&M $125,503
    Capitol Federal Savings Bank 15081 Nall Ave Overland Park, KS 66223 Full Service B&M $44,769
    Capitol Federal Savings Bank 15345 W 119th St Olathe, KS 66062 Full Service Retail $47,941
    Capitol Federal Savings Bank 15525 W 87th St Parkway Lenexa, KS 66219 Full Service B&M $173,360
    Capitol Federal Savings Bank 15700 Shawnee Mission Pkwy Shawnee, KS 66217 Full Service Retail $29,893
    Capitol Federal Savings Bank 1636 N Rock Rd Ste 900 Derby, KS 67037 Full Service B&M $27,536
    Capitol Federal Savings Bank 1701 Sw Gage Boulevard Topeka, KS 66604 Full Service B&M $60,064
    Capitol Federal Savings Bank 1900 W 75th St Prairie Village, KS 66208 Full Service B&M $171,971
    Capitol Federal Savings Bank 1911 Star Dr Liberty, MO 64068 Full Service B&M $38,372
    Capitol Federal Savings Bank 2040 Nw Topeka Boulevard Topeka, KS 66608 Full Service B&M $23,641
    Capitol Federal Savings Bank 2100 E 151st St Olathe, KS 66062 Full Service B&M $185,788
    Capitol Federal Savings Bank 2100 Sw Fairlawn Rd Topeka, KS 66614 Full Service B&M $173,505
    Capitol Federal Savings Bank 22400 Midland Dr Shawnee, KS 66226 Full Service B&M $81,775
    Capitol Federal Savings Bank 2400 Ne Seward Ave Topeka, KS 66616 Full Service B&M $4,811
    Capitol Federal Savings Bank 2550 S 9th St Salina, KS 67401 Full Service B&M $114,782
    Capitol Federal Savings Bank 2865 Sw Wanamaker Rd Topeka, KS 66614 Full Service B&M $236,715
    Capitol Federal Savings Bank 2901 South Kansas Avenue Topeka, KS 66611 Full Service B&M $96,806
    Capitol Federal Savings Bank 3201 S Iowa St Lawrence, KS 66046 Full Service Retail $45,587
    Capitol Federal Savings Bank 3310 Se 29th St Ste 100, Suite 100 Topeka, KS 66605 Full Service B&M $32,501
    Capitol Federal Savings Bank 3450 N. Maize Road Wichita, KS 67205 Full Service B&M $5,341
    Capitol Federal Savings Bank 3710 Southwest Topeka Boulevard Topeka, KS 66609 Full Service B&M $126,586
    Capitol Federal Savings Bank 4000 E Harry St Wichita, KS 67218 Full Service B&M $51,577
    Capitol Federal Savings Bank 4020 W Maple St Wichita, KS 67209 Full Service B&M $67,468
    Capitol Federal Savings Bank 4050 W 83rd St Prairie Village, KS 66208 Full Service Retail $21,903
    Capitol Federal Savings Bank 4242 Main St Kansas City, MO 64111 Full Service B&M $17,875
    Capitol Federal Savings Bank 4505 W. 6th Street, Suite B Lawrence, KS 66049 Full Service Retail $9,930
    Capitol Federal Savings Bank 4616 E 13th St N Wichita, KS 67208 Full Service B&M $7,785
    Capitol Federal Savings Bank 4616 Nw Hunters Ridge Drive Topeka, KS 66618 Full Service B&M $75,200
    Capitol Federal Savings Bank 4701 W 6th St Lawrence, KS 66049 Full Service Retail $37,996
    Capitol Federal Savings Bank 500 Ne Barry Rd Kansas City, MO 64155 Full Service Retail $6,054
    Capitol Federal Savings Bank 5501 Johnson Dr Mission, KS 66202 Full Service B&M $228,077
    Capitol Federal Savings Bank 5700 Nieman Rd Shawnee, KS 66203 Full Service B&M $181,288
    Capitol Federal Savings Bank 5821 Nw Barry Rd Kansas City, MO 64154 Full Service B&M $33,856
    Capitol Federal Savings Bank 602 Commercial St Emporia, KS 66801 Full Service B&M $137,380
    Capitol Federal Savings Bank 6900 College Boulevard, Suite 100 Overland Park, KS 66211 Full Service B&M $28,476
    Capitol Federal Savings Bank 700 S Kansas Ave Topeka, KS 66603 Full Service B&M $795,760
    Capitol Federal Savings Bank 705 Commons Pl Manhattan, KS 66503 Full Service B&M $34,199
    Capitol Federal Savings Bank 740 New Hampshire Street Lawrence, KS 66044 Full Service B&M $196,556
    Capitol Federal Savings Bank 7600 State Ave Kansas City, KS 66112 Full Service Retail $13,444
    Capitol Federal Savings Bank 8040 E Douglas Ave Wichita, KS 67206 Full Service B&M $116,590
    Capitol Federal Savings Bank 830 E Main St Gardner, KS 66030 Full Service Retail $13,556
    Capitol Federal Savings Bank 8301 E 21st St N Wichita, KS 67206 Full Service B&M $104,960
    Capitol Federal Savings Bank 9001 Santa Fe Drive Overland Park, KS 66212 Full Service B&M $176,219
    Capitol Federal Savings Bank 9500 Nall Ave Ste 100 Overland Park, KS 66207 Full Service B&M $383,189

    For 2019, Capitol Federal Savings Bank had 54 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $329,563
    Net interest income $202,548
    Total noninterest income $23,119
    Gross Fiduciary activities income $704
    Service charges on deposit accounts $4,493
    Trading account gains and fees $0
    Additional Noninterest Income $17,922
    Pre-tax net operating income $116,662
    Securities gains (or losses, -) $0
    Income before extraordinary items $91,956
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $91,956
    Minority interest net income $0
    Net income $91,956
    Sale, conversion, retirement of capital stock, net $1,498
    Net operating income $91,956

    Capitol Federal Savings Bank's gross interest income from loans was $329,563,000.
    Capitol Federal Savings Bank's net interest income from loans was $202,548,000.
    Capitol Federal Savings Bank's fee based income from loans was $4,493,000.
    Capitol Federal Savings Bank's net income from loans was $91,956,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $127,015
    Provision for credit losses $975
    Total noninterest expense $108,030
    Salaries and employee benefits $52,302
    Premises and equipment expense $17,548
    Additional noninterest expense $38,180
    Applicable income taxes $24,706
    Net charge-offs $98
    Cash dividends $130,029

    Capitol Federal Savings Bank's interest expense for loans was $127,015,000.
    Capitol Federal Savings Bank's payroll and benefits expense were $52,302,000.
    Capitol Federal Savings Bank's property, plant and equipment expenses $17,548,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 0.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 0.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 0.0%
    HELOC loans 0.0%
    All other family 0.0%
    Commercial & industrial loans 0.0%
    Personal loans 0.0%
    Credit card loans 0.0%
    Other individual loans 0.0%
    Auto loans 0.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $5,727,631
    Deposits held in domestic offices $5,727,631
    Deposits by Individuals, partnerships, and corporations $5,428,729
    Deposits by U.S. Government $63
    Deposits by States and political subdivisions in the U.S. $294,089
    Deposits by Commercial banks and other depository institutions in U.S. $4,750
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $287,124
    Demand deposits $287,124
    Nontransaction accounts $5,440,507
    Money market deposit accounts (MMDAs) $1,283,164
    Other savings deposits (excluding MMDAs) $1,237,028
    Total time deposits $2,920,315
    Total time and savings deposits $5,440,507
    Noninterest-bearing deposits $419,463
    Interest-bearing deposits $5,308,168
    Retail deposits $5,167,344
    IRAs and Keogh plan accounts $523,224
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $9,255,666
    Cash & Balances due from depository institutions $88,993
    Interest-bearing balances $46,403
    Total securities $1,229,587
    Federal funds sold & reverse repurchase $0
    Net loans and leases $7,431,311
    Loan and leases loss allowance $9,435
    Trading account assets $0
    Bank premises and fixed assets $112,946
    Other real estate owned $512
    Goodwill and other intangibles $17,044
    All other assets $375,273

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $9,255,666
    Total Liabilities $8,080,953
    Total deposits $5,727,631
    Interest-bearing deposits $5,308,168
    Deposits held in domestic offices $5,727,631
    % insured (estimated) $89
    Federal funds purchased and repurchase agreements $100,000
    Trading liabilities $0
    Other borrowed funds $2,129,962
    Subordinated debt $0
    All other liabilities $123,360

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $7,431,311
    Loan and leases loss allowance $9,435
    Total loans and leases (domestic) $7,440,746
    All real estate loans $7,373,972
    Real estate loans in domestic offices $7,373,972
    Construction and development loans $151,131
    Residential 1-4 family construction $41,595
    Other construction, all land development and other land $109,536
    Loans secured by nonfarm nonresidential properties $502,313
    Nonfarm nonresidential secured by owner-occupied properties $129,678
    Commercial real estate & other non-farm, non-residential $372,635
    Multifamily residential real estate $14,597
    1-4 family residential loans $6,698,221
    Farmland loans $7,710
    Loans held in foreign offices $0
    Farm loans $108
    Commercial and industrial loans $56,526
    To non-U.S. addressees $0
    Loans to individuals $9,945
    Credit card loans $0
    Related Plans $350
    Consumer Auto Loans $5,032
    Other loans to individuals $4,563
    All other loans & leases $195
    Loans to foreign governments and official institutions $0
    Other loans $195
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $1,939
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $66
    Non 1-4 family restructured loans & leases $0
    Total loans and leases (foreign) $0

    Capitol Federal Savings Bank had $7,431,311,000 of loans outstanding in 2019. $7,373,972,000 of loans were in real estate loans. $151,131,000 of loans were in development loans. $14,597,000 of loans were in multifamily mortgage loans. $6,698,221,000 of loans were in 1-4 family mortgage loans. $108,000 of loans were in farm loans. $0 of loans were in credit card loans. $5,032,000 of loans were in the auto loan category.

    Small Business Loans

    Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
    Nonfarm, nonresidential loans - <$1MM 225 $58,019 $257,862
    Nonfarm, nonresidential loans - <$100k 42 $2,113 $50,310
    Nonfarm, nonresidential loans - $100-250k 61 $8,071 $132,311
    Nonfarm, nonresidential loans - $250k-1MM 122 $47,835 $392,090
    Commercial & Industrial, US addressed loans - <$1MM 459 $36,137 $78,730
    Commercial & Industrial, US addressed loans - <$100k 299 $7,709 $25,783
    Commercial & Industrial, US addressed loans - $100-250k 89 $8,328 $93,573
    Commercial & Industrial, US addressed loans - $250k-1MM 71 $20,100 $283,099
    Farmland loans - <$1MM 15 $1,933 $128,867
    Farmland loans - <$100k 4 $171 $42,750
    Farmland loans - $100-250k 8 $884 $110,500
    Farmland loans - $250k-1MM 3 $878 $292,667
    Agriculture operations loans - <$1MM 4 $108 $27,000
    Agriculture operations loans - <$100k 3 $108 $36,000
    Agriculture operations loans - $100-250k 1 $0 $0