Capitol Federal Savings Bank Mortgage Rates, Fees & Info

Topeka, KS

LEI: 549300C61LNGA8J8EF85

Tax ID: 48-0160040

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

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.

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%	12/16/24
30 Year Conventional Purchase	6.33%	12/16/24
30 Year Conventional Refi	6.29%	12/16/24
30 Year Cash-out Refi	6.30%	12/16/24
30 Year VA Purchase	5.92%	12/16/24
30 Year VA Refi	5.82%	12/16/24
15 Year Conventional Purchase	5.54%	12/16/24
15 Year Conventional Refi	5.69%	12/16/24
15 Year Cash-out Refi	5.69%	12/16/24
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

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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

5,391

Origination Dollar Volume (All Markets)

$1,651,525,000

Employee count

706

Awards

Capitol Federal Savings Bank 30 Year Conventional Loans gold

Capitol Federal Savings Bank 30 Year Conventional Loans silver

Capitol Federal Savings Bank 30 Year Conventional Loans bronze

Show all (18) 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)	2,549	$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%

Capitol Federal Savings Bank's top markets include Kansas City, Wichita, Philadelphia, Topeka, and Nashville among others.

Their top states include:

Kansas (FHA|USDA|VA)

Missouri (FHA|USDA|VA)

Pennsylvania (FHA|USDA|VA)

Tennessee (FHA|USDA|VA)

Massachusetts (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: 14

The Farmers State Bank of Westmoreland
Similarity Rank: 42

KANSAS STATE UNIVERSITY Federal Credit Union
Similarity Rank: 126

GOLDEN PLAINS
Similarity Rank: 136

The Callaway Bank
Similarity Rank: 198

Exchange Bank
Similarity Rank: 216

Members Mortgage Services, L.L.C.
Similarity Rank: 220

SKYWARD
Similarity Rank: 240

PANHANDLE FEDERAL CREDIT UNION
Similarity Rank: 264

MISSOURI Credit Union
Similarity Rank: 266

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

Loan Reason	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
Cash Out Refi	1,918	$557,920,000	$290,886	$2,740	2.62%
Home Purchase	1,573	$617,265,000	$392,413	$4,399	2.95%
Refi	1,185	$418,065,000	$352,797	$3,721	2.76%
Home Improvement	492	$35,220,000	$71,585	$1,059	4.03%
Other	223	$23,055,000	$103,386	$1,777	4.14%

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

Loan Length	Originations	Total Value	Average Loan	Average Fees	Average Rate
30 Year	2,444	$889,190,000	$363,826	$3,500	2.92%
15 Year	1,413	$381,955,000	$270,315	$2,731	2.26%
Other	743	$124,675,000	$167,799	$6,552	4.05%
20 Year	478	$129,340,000	$270,586	$2,832	3.04%
30+ year	144	$96,590,000	$670,764	$10,448	2.91%
10 Year	87	$17,495,000	$201,092	$1,725	2.99%
1 Year	77	$8,105,000	$105,260	$0	4.11%
5 Year	4	$4,130,000	$1,032,500	$0	4.22%
3 Year	1	$45,000	$45,000	$175	4.25%

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

Origination Fee/Closing Cost	Originations	Total Value	Average Loan
$<1k	3,148	$877,670,000	$278,802
$1k-2k	808	$280,610,000	$347,290
$5k+	443	$304,995,000	$688,476
$2k-3k	86	$31,490,000	$366,163
$4k-5k	76	$32,350,000	$425,658
$3k-4k	68	$21,690,000	$318,971

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

Loan Rate	Originations	Total Value	Average Loan
2.5-3%	2,573	$936,505,000	$363,974
<2.5%	1,691	$480,015,000	$283,865
3-4%	862	$208,890,000	$242,332
5-6%	174	$12,060,000	$69,310
4-5%	91	$14,055,000	$154,451

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

Loan Size	Originations	Total Value	Average Loan	Average Fees	Average Rate
$200k-400k	1,562	$430,540,000	$275,634	$2,632	2.74%
$100k-200k	1,409	$208,525,000	$147,995	$2,101	2.79%
$100,000 or less	1,070	$57,940,000	$54,150	$1,658	3.62%
$600k-1MM	759	$559,575,000	$737,253	$7,017	2.75%
$400k-600k	488	$241,360,000	$494,590	$4,419	2.79%
$1MM+	103	$153,585,000	$1,491,117	$11,205	2.91%

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

Applicant Income	Originations	Total Value	Average Loan	Average Fees	Average Rate
$150k-250k	1,249	$455,325,000	$364,552	$3,928	2.95%
$100k-150k	1,184	$267,610,000	$226,022	$2,636	2.93%
$250k+	957	$603,445,000	$630,559	$6,220	2.81%
$75k-100k	751	$128,375,000	$170,939	$2,311	2.96%
$50k-75k	723	$97,325,000	$134,613	$2,106	2.95%
$50k or less	379	$34,655,000	$91,438	$1,943	3.02%

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

DTI Ratio	Originations	Total Value	Average Loan	Average Fees	Average Rate
20-30%	1,821	$541,285,000	$297,246	$3,418	2.90%
30-36%	1,097	$345,075,000	$314,562	$3,499	2.92%
<20%	1,033	$288,265,000	$279,056	$3,226	2.83%
42%	205	$73,545,000	$358,756	$3,990	2.99%
38%	203	$64,505,000	$317,759	$3,924	3.08%
41%	186	$57,920,000	$311,398	$3,398	2.98%
37%	185	$53,185,000	$287,486	$3,296	3.01%
40%	182	$52,440,000	$288,132	$3,416	3.09%
39%	178	$64,210,000	$360,730	$4,527	3.12%
36%	175	$51,095,000	$291,971	$3,102	2.87%
>60%	2	$480,000	$240,000	$1,991	3.69%
43%	1	$5,000	$5,000	$0	4.00%

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

Applicant Ethnicity	Originations	Total Value	Average Loan	Average Fees	Average Rate
White	4,316	$1,277,120,000	$295,904	$3,382	2.94%
Not provided	694	$218,470,000	$314,798	$3,524	2.89%
Not applicable	82	$56,930,000	$694,268	$0	4.24%
Asian	119	$52,415,000	$440,462	$5,582	2.64%
Black	106	$21,370,000	$201,604	$2,289	2.53%
Asian Indian	22	$12,580,000	$571,818	$5,646	2.58%
American Indian	38	$7,450,000	$196,053	$2,748	3.14%
Other Asian	6	$2,710,000	$451,667	$6,106	2.69%
Chinese	2	$1,470,000	$735,000	$2,960	2.75%
Native Hawaiian or Islander	4	$800,000	$200,000	$2,689	2.84%
Japanese	1	$205,000	$205,000	$6,121	1.75%
Other Pacific Islander	1	$5,000	$5,000	$0	0.00%

Approval Rates

Total approvals of all applications
94.91%

Capitol Federal Savings Bank has an average approval rate.

Pick Rate

Approvals leading to origination
87.28%

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

Loan to Value	Originations	Total Value	Average Loan	Average Fees	Average Rate
20-40%	561	$79,915,000	$142,451	$2,234	3.14%
40-60%	1,001	$288,625,000	$288,337	$3,153	2.66%
60-80%	2,354	$890,950,000	$378,483	$3,771	2.77%
80-100%	964	$368,030,000	$381,774	$3,664	2.86%
Over 100%	1	$1,505,000	$1,505,000	$3,410	2.50%
Under 20%	497	$22,435,000	$45,141	$1,070	4.29%

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