Capitol Federal Savings Bank
Capitol Federal Savings Bank received 2,174 applications in 2025 and made 1,595 mortgages, in 60 counties across 12 states. The median rate its borrowers got was 6.750% on a median loan of $155,000. Of 1,937 decisions, 276 were denials — 14.2%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300C61LNGA8J8EF85 |
|---|---|
| Applications received | 2,174 |
| Mortgages made | 1,595 |
| Denied | 276 |
| Approved, not taken up | 66 |
| Withdrawn or incomplete | 237 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.169 points |
| FDIC-insured bank | Yes: Capitol Federal Savings Bank, 45 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 708 | 6.250% | $305,000 | 6.2% |
| Refinancing | 193 | 8.000% | $105,000 | 15.0% |
| Cash-out refinancing | 80 | 6.125% | $245,000 | 23.8% |
| Other purposes | 614 | 8.000% | $55,000 | 20.6% |
Where Capitol Federal Savings Bank lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Johnson County, KS | 625 | 6.875% | 12.3% |
| Sedgwick County, KS | 249 | 6.625% | 14.6% |
| Shawnee County, KS | 187 | 6.750% | 16.7% |
| Jackson County, MO | 117 | 6.250% | 15.2% |
| Wyandotte County, KS | 87 | 0.000% | 8.3% |
| Douglas County, KS | 82 | 6.938% | 15.5% |
| Clay County, MO | 31 | 6.750% | 18.0% |
| Butler County, KS | 21 | 8.000% | 26.7% |
| Platte County, MO | 21 | 6.250% | 12.5% |
| Miami County, KS | 18 | 7.375% | 21.7% |
| Leavenworth County, KS | 17 | 6.750% | 0.0% |
| Riley County, KS | 17 | 6.750% | 34.6% |
| Lyon County, KS | 16 | 7.875% | 20.0% |
| Cass County, MO | 15 | 6.375% | 15.8% |
| Jefferson County, KS | 13 | 6.750% | 18.8% |
| Pottawatomie County, KS | 10 | 6.750% | 23.1% |
| Osage County, KS | 8 | Under 10 loans | 11.1% |
| Saline County, KS | 6 | Under 10 loans | 0.0% |
| Franklin County, KS | 5 | Under 10 loans | 0.0% |
| Camden County, MO | 5 | Under 10 loans | 0.0% |
| Harvey County, KS | 3 | Under 10 loans | 0.0% |
| Linn County, KS | 3 | Under 10 loans | 0.0% |
| Sumner County, KS | 3 | Under 10 loans | 0.0% |
| Clay County, KS | 2 | Under 10 loans | 0.0% |
| Dickinson County, KS | 2 | Under 10 loans | 0.0% |
| Reno County, KS | 2 | Under 10 loans | 0.0% |
| Bates County, MO | 2 | Under 10 loans | 0.0% |
| Boone County, MO | 2 | Under 10 loans | 33.3% |
| Christian County, MO | 2 | Under 10 loans | 0.0% |
| Clinton County, MO | 2 | Under 10 loans | 0.0% |
| Stone County, MO | 2 | Under 10 loans | 0.0% |
| Benton County, AR | 1 | Under 10 loans | 0.0% |
| San Diego County, CA | 1 | Under 10 loans | 0.0% |
| Eagle County, CO | 1 | Under 10 loans | 0.0% |
| Crawford County, IA | 1 | Under 10 loans | 0.0% |
| Coffey County, KS | 1 | Under 10 loans | 0.0% |
| Crawford County, KS | 1 | Under 10 loans | 0.0% |
| Jackson County, KS | 1 | Under 10 loans | 0.0% |
| McPherson County, KS | 1 | Under 10 loans | 0.0% |
| Marion County, KS | 1 | Under 10 loans | 0.0% |
| Morris County, KS | 1 | Under 10 loans | 0.0% |
| Nemaha County, KS | 1 | Under 10 loans | 0.0% |
| Wabaunsee County, KS | 1 | Under 10 loans | 50.0% |
| Barry County, MO | 1 | Under 10 loans | 0.0% |
| Greene County, MO | 1 | Under 10 loans | 0.0% |
| St. Louis County, MO | 1 | Under 10 loans | 0.0% |
| Sarpy County, NE | 1 | Under 10 loans | 0.0% |
| Custer County, OK | 1 | Under 10 loans | 0.0% |
| Mayes County, OK | 1 | Under 10 loans | 0.0% |
| Haywood County, TN | 1 | Under 10 loans | 0.0% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.