Applications / Mortgage Analytics / Lenders / Kansas / Capitol Federal Savings Bank
Topeka, KS · Savings institution · OCC · $9.8 billion assets · 1,598 loans in 2025
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1,598
loans originated, 2025
2,180
applications, 2025
10
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Capitol Federal Savings Bank is a Kansas savings institution that ranked first in Topeka, where its share rose to 7.5%, and third in Wichita.
It ranked 1 of 236 lenders in Topeka, its market since before 1990, ahead of Rocket Mortgage and Fairway Independent Mortgage; its share rose 3.5 points to 7.5%. In Wichita it ranked 3 of 367, behind Peoples Bank and Trust Company and Rocket Mortgage, with its share up 0.5 points to 4.4%.
Originations fell 6% to 1,598, while similar lenders (savings institutions making between half and twice as many loans) grew 10%, as did the whole market; its growth was lower than about three-quarters of peers. Its dollar volume still rose, to $681.1 million from $510.0 million.
Home improvement was 29.7% of its loans, beside purchases at 44.5% and refinances at 17.1%. Its typical loan, $155,000, was smaller than at more than four in five peers ($225,000), which the home-improvement share may explain. Nearly all its loans were conventional; it made no FHA loans (insured by the Federal Housing Administration).
LMI (low- and moderate-income) borrowers took 20.4% of its loans, up from 13.3% five years before, though lower than peers' 25.7%. LMI areas took 15.0%, up from 6.8% and higher than peers' 12.8%. Possible reasons for the lower borrower share are its home-improvement lending, which goes to people who already own homes, and the make-up of its Kansas markets.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Capitol Federal Savings Bank took 2,180 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 44.5% · Home improvement 29.7% · Refinance 17.1% · Other 8.8%
Conventional 99.9% · VA 0.1% · of 1,598 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Kansas | 1,386 | 86.7% |
| Missouri | 203 | 12.7% |
| Oklahoma | 2 | 0.1% |
| Arkansas | 1 | 0.1% |
| California | 1 | 0.1% |
| Colorado | 1 | 0.1% |
| Iowa | 1 | 0.1% |
| Nebraska | 1 | 0.1% |
| Tennessee | 1 | 0.1% |
| Texas | 1 | 0.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Kansas City | 941 |
| Wichita | 276 |
| Topeka | 210 |
| Lawrence | 82 |
| Manhattan | 27 |
| Springfield | 3 |
| Columbia | 2 |
| Dallas-Plano-Irving | 1 |
| Fayetteville-Springdale-Rogers | 1 |
| Omaha | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300C61LNGA8J8EF85 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 968070 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 4670 | 1990–2010 |
| Respondent ID (the HMDA filer code before 2018) | 1700670 | 2011–2017 |
Established 1 January 1893. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Capitol Federal Savings Bank's data.
Capitol Federal Savings Bank's data
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Capitol Federal Savings Bank and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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