Capitol Federal Savings Bank mortgage approval rate & lending review
Capitol Federal Savings Bank decided 4,941 mortgage applications and funded 4,261 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Capitol Federal Savings Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Capitol Federal Savings Bank at a glance
Approval is 12.3 points above the 77.7% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 96% | 2,360 / 2,468 | 96% | $355K | 2,261 |
| Home improvement loans | 85% | 1,275 / 1,502 | 96% | $35K | 1,226 |
| Cash-out refinance | 78% | 187 / 241 | 96% | $215K | 179 |
| Refinance | 84% | 453 / 539 | 95% | $105K | 432 |
| Investment property purchase | 94% | 142 / 151 | 92% | $235K | 131 |
| Investment refinance | 89% | 25 / 28 | 100% | $175K | 25 |
Capitol Federal Savings Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Kansas | 90% | $395K | 3,972 | 3,409 |
| Missouri | 91% | $325K | 740 | 634 |
| Nebraska | 100% | $405K | 66 | 64 |
| Tennessee | 100% | $785K | 48 | 47 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Capitol Federal Savings Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Johnson County, KS | Mortgage lenders | 97% | 948 | 880 |
| Johnson County, KS | Home improvement loans | 84% | 548 | 444 |
| Sedgwick County, KS | Mortgage lenders | 95% | 425 | 383 |
| Shawnee County, KS | Mortgage lenders | 93% | 331 | 298 |
| Sedgwick County, KS | Home improvement loans | 81% | 320 | 250 |
| Johnson County, KS | Refinance | 87% | 249 | 212 |
| Jackson County, MO | Mortgage lenders | 96% | 181 | 164 |
| Wyandotte County, KS | Home improvement loans | 94% | 159 | 147 |
| Jackson County, MO | Home improvement loans | 85% | 172 | 139 |
| Shawnee County, KS | Home improvement loans | 86% | 164 | 132 |
| Douglas County, KS | Mortgage lenders | 93% | 122 | 107 |
| Douglas County, KS | Home improvement loans | 90% | 88 | 76 |
The county markets where Capitol Federal Savings Bank made the most loans. Each link opens that market with every lender ranked.
Questions about Capitol Federal Savings Bank
What is Capitol Federal Savings Bank's mortgage approval rate?
Capitol Federal Savings Bank approved 90.1% of the 4,941 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 12.3 points above the 77.7% national rate for the same mix of loan types.
How often do borrowers take the loan Capitol Federal Savings Bank offers?
Borrowers accepted 96% of the loans Capitol Federal Savings Bank approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Capitol Federal Savings Bank make?
The typical home purchase mortgage loan Capitol Federal Savings Bank made was $355K; across all loan types its typical loan ran from $35K to $355K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Capitol Federal Savings Bank lend?
Capitol Federal Savings Bank decided applications in 29 of the states Fat Boy Data covers, most of them in Kansas, Missouri and Nebraska.
Can I apply to Capitol Federal Savings Bank directly?
Yes. Capitol Federal Savings Bank is a bank or credit union with 46 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Capitol Federal Savings Bank's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Capitol Federal Savings Bank treats applications, then get a rate quote from the lender.