Capitol Federal Savings Bank Mortgage Rates, Fees & Info
Topeka, KSLEI: 549300C61LNGA8J8EF85
Tax ID: 48-0160040
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Review & Overview
Capitol Federal Savings Bank is a small bank specializing in Cash Out Refi, Home Purchase, and Refi loans. Capitol Federal Savings Bank has a high proportion of conventional loans. Their top markets by origination volume include: Kansas City, Wichita, Philadelphia, Topeka, and Nashville among others. We have data for 82 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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| Home Equity Line of Credit (HELOC) | 6.27% | 4/21/24 |
| 30 Year Conventional Purchase | 6.33% | 4/21/24 |
| 30 Year Conventional Refi | 6.29% | 4/21/24 |
| 30 Year Cash-out Refi | 6.30% | 4/21/24 |
| 30 Year VA Purchase | 5.92% | 4/21/24 |
| 30 Year VA Refi | 5.82% | 4/21/24 |
| 15 Year Conventional Purchase | 5.54% | 4/21/24 |
| 15 Year Conventional Refi | 5.69% | 4/21/24 |
| 15 Year Cash-out Refi | 5.69% | 4/21/24 |
| 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
5,391Origination Dollar Volume (All Markets)
$1,651,525,000Employee count
706Awards
Capitol Federal Savings Bank - 2021
Capitol Federal Savings Bank is a 2021 , due to their low .
For 2021, less than of lenders were eligible for this award.
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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) | 2,549 | $770,005,000 | $302,081 | $3,154 | 2.96% |
| WICHITA, KS (FHA|USDA|VA) | 891 | $165,875,000 | $186,167 | $2,325 | 2.97% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 192 | $123,720,000 | $644,375 | $12,359 | 2.71% |
| TOPEKA, KS (FHA|USDA|VA) | 546 | $82,730,000 | $151,520 | $2,228 | 3.01% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 110 | $78,350,000 | $712,273 | $5,303 | 2.77% |
| LAWRENCE, KS (FHA|USDA|VA) | 266 | $57,630,000 | $216,654 | $2,230 | 3.05% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 76 | $46,280,000 | $608,947 | $3,573 | 2.67% |
| SPRINGFIELD, MO (FHA|USDA|VA) | 124 | $43,010,000 | $346,855 | $2,898 | 2.62% |
| MANHATTAN, KS (FHA|USDA|VA) | 119 | $27,125,000 | $227,941 | $2,278 | 3.04% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 39 | $25,005,000 | $641,154 | $5,071 | 2.89% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 31 | $24,745,000 | $798,226 | $10,396 | 2.74% |
| COLUMBIA, MO (FHA|USDA|VA) | 95 | $22,675,000 | $238,684 | $1,901 | 2.62% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 18 | $14,560,000 | $808,889 | $4,475 | 2.83% |
| Outside of Metro Areas | 34 | $13,240,000 | $389,412 | $2,606 | 3.01% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 16 | $12,210,000 | $763,125 | $4,294 | 2.74% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 39 | $11,345,000 | $290,897 | $2,687 | 2.66% |
| Garden City, KS (FHA|USDA|VA) | 1 | $11,315,000 | $11,315,000 | $0 | 3.50% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 12 | $9,150,000 | $762,500 | $4,266 | 2.60% |
| LINCOLN, NE (FHA|USDA|VA) | 14 | $7,830,000 | $559,286 | $3,324 | 2.63% |
| Salina, KS (FHA|USDA|VA) | 23 | $6,685,000 | $290,652 | $1,759 | 3.18% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 8 | $6,180,000 | $772,500 | $5,431 | 2.83% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 6 | $4,400,000 | $733,333 | $6,277 | 2.83% |
| BATON ROUGE, LA (FHA|USDA|VA) | 5 | $4,235,000 | $847,000 | $10,641 | 2.60% |
| Ottawa, KS (FHA|USDA|VA) | 13 | $4,005,000 | $308,077 | $2,887 | 2.84% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 6 | $3,850,000 | $641,667 | $13,254 | 2.83% |
| AMES, IA (FHA|USDA|VA) | 14 | $3,750,000 | $267,857 | $2,918 | 2.80% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 4 | $3,660,000 | $915,000 | $5,069 | 2.81% |
| Emporia, KS (FHA|USDA|VA) | 28 | $3,460,000 | $123,571 | $2,057 | 3.40% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 3 | $3,425,000 | $1,141,667 | $22,057 | 3.00% |
| TULSA, OK (FHA|USDA|VA) | 5 | $3,245,000 | $649,000 | $4,613 | 2.60% |
| LAFAYETTE, LA (FHA|USDA|VA) | 4 | $3,150,000 | $787,500 | $11,023 | 2.59% |
| Albertville, AL (FHA|USDA|VA) | 4 | $3,080,000 | $770,000 | $8,274 | 2.66% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 4 | $3,060,000 | $765,000 | $10,841 | 2.56% |
| JACKSON, MS (FHA|USDA|VA) | 3 | $2,765,000 | $921,667 | $6,965 | 2.63% |
| MOBILE, AL (FHA|USDA|VA) | 3 | $2,485,000 | $828,333 | $3,997 | 2.71% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 4 | $2,240,000 | $560,000 | $3,818 | 2.75% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 3 | $2,165,000 | $721,667 | $14,358 | 2.67% |
| GULFPORT-BILOXI, MS (FHA|USDA|VA) | 3 | $2,145,000 | $715,000 | $9,478 | 2.83% |
| Oxford, MS (FHA|USDA|VA) | 3 | $2,075,000 | $691,667 | $4,884 | 2.88% |
| SAVANNAH, GA (FHA|USDA|VA) | 3 | $2,075,000 | $691,667 | $4,340 | 2.63% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 3 | $1,635,000 | $545,000 | $3,567 | 3.04% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 2 | $1,500,000 | $750,000 | $6,383 | 2.88% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 2 | $1,470,000 | $735,000 | $3,504 | 2.88% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 2 | $1,420,000 | $710,000 | $4,634 | 2.88% |
| KNOXVILLE, TN (FHA|USDA|VA) | 2 | $1,410,000 | $705,000 | $4,901 | 2.63% |
| PITTSBURGH, PA (FHA|USDA|VA) | 3 | $1,335,000 | $445,000 | $12,410 | 2.67% |
| Branson, MO (FHA|USDA|VA) | 4 | $1,320,000 | $330,000 | $3,181 | 3.13% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 2 | $1,320,000 | $660,000 | $8,238 | 2.75% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 2 | $1,310,000 | $655,000 | $4,827 | 2.94% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 2 | $1,120,000 | $560,000 | $5,644 | 2.75% |
| SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) | 1 | $975,000 | $975,000 | $4,780 | 3.13% |
| READING, PA (FHA|USDA|VA) | 2 | $950,000 | $475,000 | $8,341 | 2.56% |
| BOULDER, CO (FHA|USDA|VA) | 1 | $905,000 | $905,000 | $3,074 | 2.75% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 1 | $895,000 | $895,000 | $8,239 | 2.75% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 1 | $855,000 | $855,000 | $4,748 | 2.13% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 1 | $835,000 | $835,000 | $3,380 | 3.00% |
| JEFFERSON CITY, MO (FHA|USDA|VA) | 4 | $790,000 | $197,500 | $1,822 | 2.56% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 1 | $745,000 | $745,000 | $4,018 | 3.38% |
| McPherson, KS (FHA|USDA|VA) | 4 | $720,000 | $180,000 | $1,876 | 2.91% |
| MANCHESTER-NASHUA, NH (FHA|USDA|VA) | 1 | $695,000 | $695,000 | $11,408 | 2.75% |
| Hastings, NE (FHA|USDA|VA) | 1 | $685,000 | $685,000 | $2,928 | 3.13% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 1 | $665,000 | $665,000 | $8,551 | 2.88% |
| Alexander City, AL (FHA|USDA|VA) | 1 | $655,000 | $655,000 | $4,010 | 3.00% |
| Beatrice, NE (FHA|USDA|VA) | 1 | $645,000 | $645,000 | $3,141 | 2.75% |
| Fremont, NE (FHA|USDA|VA) | 1 | $625,000 | $625,000 | $3,104 | 3.13% |
| Starkville, MS (FHA|USDA|VA) | 1 | $615,000 | $615,000 | $7,330 | 3.13% |
| PANAMA CITY, FL (FHA|USDA|VA) | 1 | $595,000 | $595,000 | $11,427 | 3.00% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 1 | $595,000 | $595,000 | $6,211 | 3.13% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 1 | $585,000 | $585,000 | $13,466 | 2.88% |
| TUSCALOOSA, AL (FHA|USDA|VA) | 1 | $575,000 | $575,000 | $3,921 | 2.88% |
| GAINESVILLE, GA (FHA|USDA|VA) | 1 | $575,000 | $575,000 | $4,460 | 3.00% |
| Tupelo, MS (FHA|USDA|VA) | 1 | $565,000 | $565,000 | $4,774 | 3.25% |
| Warrensburg, MO (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $3,908 | 3.00% |
| Hutchinson, KS (FHA|USDA|VA) | 3 | $405,000 | $135,000 | $2,670 | 2.33% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $9,307 | 3.25% |
| Winfield, KS (FHA|USDA|VA) | 3 | $335,000 | $111,667 | $1,965 | 3.17% |
| JOPLIN, MO (FHA|USDA|VA) | 3 | $295,000 | $98,333 | $2,479 | 2.75% |
| SPRINGFIELD, MA (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $3,426 | 2.13% |
| Jefferson, GA (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $7,411 | 3.00% |
| Moberly, MO (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $2,258 | 2.75% |
| Pittsburg, KS (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 4.50% |
| Atchison, KS (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,120 | 2.75% |
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.
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 4,731 | $1,608,145,000 | $339,917 | $3,440 | 2.74% |
| HELOC | 657 | $42,465,000 | $64,635 | n/a | 4.36% |
| VA | 3 | $915,000 | $305,000 | $8,317 | 2.83% |
For 2021, Capitol Federal Savings Bank's most frequently originated type of loan was Conventional, with 4,731 originations. Their 2nd most popular type was HELOC, with 657 originations.
Loan Reason
For 2021, Capitol Federal Savings Bank's most frequently cited loan purpose was Cash Out Refi, with 1,918 originations. The 2nd most popular reason was Home Purchase, with 1,573 originations.
Loan Duration/Length
For 2021, Capitol Federal Savings Bank's most frequently cited loan duration was 30 Year, with 2,444 originations. The 2nd most popular length was 15 Year, with 1,413 originations.
Origination Fees/Closing Costs
Capitol Federal Savings Bank's average total fees were $3,500, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 3,148 originations.
Interest Rates
During 2021, Capitol Federal Savings Bank's average interest rate for loans was 2.92%, while their most frequently originated rate bucket for loans was 2.5-3%, with 2,573 originations.
Loan Sizing
2021 saw Capitol Federal Savings Bank place emphasis on $200k-400k loans with 1,562 originations, totaling $430,540,000 in origination value.
Applicant Income
Capitol Federal Savings Bank lent most frequently to those with incomes in the $150k-250k range, with 1,249 originations. The second most popular income band? $100k-150k, with 1,184 originations.
Applicant Debt to Income Ratio
Capitol Federal Savings Bank lent most frequently to those with DTI ratios of 20-30%, with 1,821 originations. The next most common DTI ratio? 30-36%, with 1,097 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications94.91%
Capitol Federal Savings Bank has an average approval rate.
Pick Rate
Approvals leading to origination87.28%
Capitol Federal Savings Bank has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 5,391 | $1,651,525,000 | $306,349 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| 5,391 | $1,651,525,000 | $306,349 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2021 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| Capital For Change, Inc. | FHA mortgage | Struggling to pay mortgage | 1 | 100.0% |
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 | $256,697 |
| Capitol Federal Savings Bank | 1025 Iowa St Lawrence, KS 66044 | Full Service B&M | $262,601 |
| Capitol Federal Savings Bank | 10404 W Central Ave Wichita, KS 67212 | Full Service B&M | $157,397 |
| Capitol Federal Savings Bank | 114 E Cloud Ave Andover, KS 67002 | Full Service B&M | $34,440 |
| Capitol Federal Savings Bank | 11700 W 135th St Overland Park, KS 66221 | Full Service Retail | $38,803 |
| Capitol Federal Savings Bank | 1201 Sw Topeka Blvd Topeka, KS 66612 | Full Service B&M | $83,115 |
| Capitol Federal Savings Bank | 12200 Blue Valley Pkwy Overland Park, KS 66213 | Full Service Retail | $54,328 |
| Capitol Federal Savings Bank | 13100 State Line Rd Leawood, KS 66209 | Full Service B&M | $82,655 |
| Capitol Federal Savings Bank | 13500 Metcalf Ave Overland Park, KS 66223 | Full Service B&M | $256,532 |
| Capitol Federal Savings Bank | 1401 Poyntz Ave Manhattan, KS 66502 | Full Service B&M | $156,276 |
| Capitol Federal Savings Bank | 1408 E Santa Fe St Olathe, KS 66061 | Full Service B&M | $146,387 |
| Capitol Federal Savings Bank | 1411 North Oliver Avenue Wichita, KS 67208 | Full Service B&M | $10,479 |
| Capitol Federal Savings Bank | 15081 Nall Ave Overland Park, KS 66223 | Full Service B&M | $55,475 |
| Capitol Federal Savings Bank | 15345 W 119th St Olathe, KS 66062 | Full Service Retail | $61,587 |
| Capitol Federal Savings Bank | 15525 W 87th St Parkway Lenexa, KS 66219 | Full Service B&M | $216,285 |
| Capitol Federal Savings Bank | 15700 Shawnee Mission Pkwy Shawnee, KS 66217 | Full Service Retail | $40,520 |
| Capitol Federal Savings Bank | 1636 N Rock Rd Ste 900 Derby, KS 67037 | Full Service B&M | $32,244 |
| Capitol Federal Savings Bank | 1701 Sw Gage Boulevard Topeka, KS 66604 | Full Service B&M | $78,909 |
| Capitol Federal Savings Bank | 1900 W 75th St Prairie Village, KS 66208 | Full Service B&M | $204,554 |
| Capitol Federal Savings Bank | 1911 Star Dr Liberty, MO 64068 | Full Service B&M | $44,958 |
| Capitol Federal Savings Bank | 2040 Nw Topeka Boulevard Topeka, KS 66608 | Full Service B&M | $34,738 |
| Capitol Federal Savings Bank | 2100 E 151st St Olathe, KS 66062 | Full Service B&M | $234,863 |
| Capitol Federal Savings Bank | 2100 Sw Fairlawn Rd Topeka, KS 66614 | Full Service B&M | $189,642 |
| Capitol Federal Savings Bank | 22400 Midland Dr Shawnee, KS 66226 | Full Service B&M | $115,135 |
| Capitol Federal Savings Bank | 2400 Ne Seward Ave Topeka, KS 66616 | Full Service B&M | $6,529 |
| Capitol Federal Savings Bank | 2550 S 9th St Salina, KS 67401 | Full Service B&M | $118,417 |
| Capitol Federal Savings Bank | 2865 Sw Wanamaker Rd Topeka, KS 66614 | Full Service B&M | $244,339 |
| Capitol Federal Savings Bank | 2901 South Kansas Avenue Topeka, KS 66611 | Full Service B&M | $100,672 |
| Capitol Federal Savings Bank | 3201 S Iowa St Lawrence, KS 66046 | Full Service Retail | $53,375 |
| Capitol Federal Savings Bank | 3310 Se 29th St Ste 100, Suite 100 Topeka, KS 66605 | Full Service B&M | $38,387 |
| Capitol Federal Savings Bank | 3450 N. Maize Road Wichita, KS 67205 | Full Service B&M | $24,489 |
| Capitol Federal Savings Bank | 3710 Southwest Topeka Boulevard Topeka, KS 66609 | Full Service B&M | $283,865 |
| Capitol Federal Savings Bank | 393 Ne 94th St Kansas City, MO 64179 | Full Service Retail | $15,850 |
| Capitol Federal Savings Bank | 4000 E Harry St Wichita, KS 67218 | Full Service B&M | $52,724 |
| Capitol Federal Savings Bank | 4020 W Maple St Wichita, KS 67209 | Full Service B&M | $69,291 |
| Capitol Federal Savings Bank | 4050 W 83rd St Prairie Village, KS 66208 | Full Service Retail | $24,220 |
| Capitol Federal Savings Bank | 4242 Main St Kansas City, MO 64111 | Full Service B&M | $27,950 |
| Capitol Federal Savings Bank | 4505 W. 6th Street, Suite B Lawrence, KS 66049 | Full Service Retail | $24,541 |
| Capitol Federal Savings Bank | 4616 Nw Hunters Ridge Drive Topeka, KS 66618 | Full Service B&M | $84,097 |
| Capitol Federal Savings Bank | 4701 W 6th St Lawrence, KS 66049 | Full Service Retail | $42,994 |
| Capitol Federal Savings Bank | 5501 Johnson Dr Mission, KS 66202 | Full Service B&M | $250,440 |
| Capitol Federal Savings Bank | 5700 Nieman Rd Shawnee, KS 66203 | Full Service B&M | $204,705 |
| Capitol Federal Savings Bank | 602 Commercial St Emporia, KS 66801 | Full Service B&M | $137,577 |
| Capitol Federal Savings Bank | 660 E Main St Gardner, KS 66030 | Full Service Retail | $19,303 |
| Capitol Federal Savings Bank | 6900 College Boulevard, Suite 100 Overland Park, KS 66211 | Full Service B&M | $40,030 |
| Capitol Federal Savings Bank | 700 S Kansas Ave Topeka, KS 66603 | Full Service B&M | $832,852 |
| Capitol Federal Savings Bank | 705 Commons Pl Manhattan, KS 66503 | Full Service B&M | $39,975 |
| Capitol Federal Savings Bank | 740 New Hampshire St, Ste 100 Lawrence, KS 66044 | Full Service B&M | $215,198 |
| Capitol Federal Savings Bank | 7600 State Ave Kansas City, KS 66112 | Full Service Retail | $15,550 |
| Capitol Federal Savings Bank | 8040 E Douglas Ave Wichita, KS 67206 | Full Service B&M | $137,906 |
| Capitol Federal Savings Bank | 8301 E 21st St N Wichita, KS 67206 | Full Service B&M | $111,984 |
| Capitol Federal Savings Bank | 8781 N Ambassador Dr Kansas City, MO 64154 | Full Service B&M | $43,582 |
| Capitol Federal Savings Bank | 9001 Santa Fe Drive Overland Park, KS 66212 | Full Service B&M | $230,465 |
| Capitol Federal Savings Bank | 9500 Nall Ave Ste 100 Overland Park, KS 66207 | Full Service B&M | $455,935 |
For 2021, Capitol Federal Savings Bank had 54 branches.
Yearly Performance Overview
Bank Income
| Item | Value (in 000's) |
|---|---|
| Total interest income | $253,935 |
| Net interest income | $176,819 |
| Total noninterest income | $30,185 |
| Gross Fiduciary activities income | $840 |
| Service charges on deposit accounts | $3,608 |
| Trading account gains and fees | $0 |
| Additional Noninterest Income | $25,737 |
| Pre-tax net operating income | $100,764 |
| Securities gains (or losses, -) | $0 |
| Income before extraordinary items | $79,543 |
| Discontinued Operations (Extraordinary gains, net) | $0 |
| Net income of bank and minority interests | $79,543 |
| Minority interest net income | $0 |
| Net income | $79,543 |
| Sale, conversion, retirement of capital stock, net | $2,250 |
| Net operating income | $79,543 |
Capitol Federal Savings Bank's gross interest income from loans was $253,935,000.
Capitol Federal Savings Bank's net interest income from loans was $176,819,000.
Capitol Federal Savings Bank's fee based income from loans was $3,608,000.
Capitol Federal Savings Bank's net income from loans was $79,543,000.
Bank Expenses
| Item | Value (in 000's) |
|---|---|
| Total interest expense | $77,116 |
| Provision for credit losses | $-10,417 |
| Total noninterest expense | $116,657 |
| Salaries and employee benefits | $54,182 |
| Premises and equipment expense | $18,870 |
| Additional noninterest expense | $43,605 |
| Applicable income taxes | $21,221 |
| Net charge-offs | $-18 |
| Cash dividends | $132,314 |
Capitol Federal Savings Bank's interest expense for loans was $77,116,000.
Capitol Federal Savings Bank's payroll and benefits expense were $54,182,000.
Capitol Federal Savings Bank's property, plant and equipment expenses $18,870,000.
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 | $6,775,084 |
| Deposits held in domestic offices | $6,775,084 |
| Deposits by Individuals, partnerships, and corporations | $6,490,160 |
| Deposits by U.S. Government | $8 |
| Deposits by States and political subdivisions in the U.S. | $279,171 |
| Deposits by Commercial banks and other depository institutions in U.S. | $5,745 |
| Deposits by Banks in foreign countries | $0 |
| Deposits by Foreign governments and official institutions | $0 |
| Transaction accounts | $428,276 |
| Demand deposits | $428,275 |
| Nontransaction accounts | $6,346,808 |
| Money market deposit accounts (MMDAs) | $1,911,660 |
| Other savings deposits (excluding MMDAs) | $1,846,218 |
| Total time deposits | $2,588,930 |
| Total time and savings deposits | $6,346,809 |
| Noninterest-bearing deposits | $656,292 |
| Interest-bearing deposits | $6,118,792 |
| Retail deposits | $6,289,955 |
| IRAs and Keogh plan accounts | $507,281 |
| Brokered deposits | $0 |
| Deposits held in foreign offices | $0 |
Assets
| Asset | Value (in 000's) |
|---|---|
| Total Assets | $9,624,571 |
| Cash & Balances due from depository institutions | $150,713 |
| Interest-bearing balances | $105,130 |
| Total securities | $1,890,653 |
| Federal funds sold & reverse repurchase | $0 |
| Net loans and leases | $7,098,043 |
| Loan and leases loss allowance | $17,535 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $109,574 |
| Other real estate owned | $319 |
| Goodwill and other intangibles | $13,079 |
| All other assets | $362,190 |
Liabilities
| Liabilities | Value (in 000's) |
|---|---|
| Total liabilities and capital | $9,624,571 |
| Total Liabilities | $8,517,124 |
| Total deposits | $6,775,084 |
| Interest-bearing deposits | $6,118,792 |
| Deposits held in domestic offices | $6,775,084 |
| % insured (estimated) | $86 |
| Federal funds purchased and repurchase agreements | $0 |
| Trading liabilities | $0 |
| Other borrowed funds | $1,620,516 |
| Subordinated debt | $0 |
| All other liabilities | $121,524 |
Issued Loan Types
| Type | Value (in 000's) |
|---|---|
| Net loans and leases | $7,098,043 |
| Loan and leases loss allowance | $17,535 |
| Total loans and leases (domestic) | $7,115,578 |
| All real estate loans | $7,032,564 |
| Real estate loans in domestic offices | $7,032,564 |
| Construction and development loans | $157,997 |
| Residential 1-4 family construction | $47,640 |
| Other construction, all land development and other land | $110,357 |
| Loans secured by nonfarm nonresidential properties | $595,707 |
| Nonfarm nonresidential secured by owner-occupied properties | $123,540 |
| Commercial real estate & other non-farm, non-residential | $472,167 |
| Multifamily residential real estate | $18,282 |
| 1-4 family residential loans | $6,255,602 |
| Farmland loans | $4,976 |
| Loans held in foreign offices | $0 |
| Farm loans | $49 |
| Commercial and industrial loans | $61,277 |
| To non-U.S. addressees | $0 |
| Loans to individuals | $6,424 |
| Credit card loans | $0 |
| Related Plans | $62 |
| Consumer Auto Loans | $3,801 |
| Other loans to individuals | $2,561 |
| All other loans & leases | $15,264 |
| Loans to foreign governments and official institutions | $0 |
| Other loans | $15,264 |
| Loans to depository institutions and acceptances of other banks | $0 |
| Loans not secured by real estate | $10,138 |
| Loans secured by real estate to non-U.S. addressees | $0 |
| Restructured Loans & leases | $59 |
| Non 1-4 family restructured loans & leases | $0 |
| Total loans and leases (foreign) | $0 |
Capitol Federal Savings Bank had $7,098,043,000 of loans outstanding in 2021. $7,032,564,000 of loans were in real estate loans. $157,997,000 of loans were in development loans. $18,282,000 of loans were in multifamily mortgage loans. $6,255,602,000 of loans were in 1-4 family mortgage loans. $49,000 of loans were in farm loans. $0 of loans were in credit card loans. $3,801,000 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 | 224 | $51,220 | $228,661 |
| Nonfarm, nonresidential loans - <$100k | 34 | $1,446 | $42,529 |
| Nonfarm, nonresidential loans - $100-250k | 69 | $8,308 | $120,406 |
| Nonfarm, nonresidential loans - $250k-1MM | 121 | $41,466 | $342,694 |
| Commercial & Industrial, US addressed loans - <$1MM | 530 | $40,635 | $76,670 |
| Commercial & Industrial, US addressed loans - <$100k | 349 | $10,522 | $30,149 |
| Commercial & Industrial, US addressed loans - $100-250k | 109 | $11,123 | $102,046 |
| Commercial & Industrial, US addressed loans - $250k-1MM | 72 | $18,990 | $263,750 |
| Farmland loans - <$1MM | 12 | $1,766 | $147,167 |
| Farmland loans - <$100k | 3 | $47 | $15,667 |
| Farmland loans - $100-250k | 5 | $465 | $93,000 |
| Farmland loans - $250k-1MM | 4 | $1,254 | $313,500 |
| Agriculture operations loans - <$1MM | 1 | $49 | $49,000 |
| Agriculture operations loans - <$100k | 1 | $49 | $49,000 |