Mortgage by CountyWhat home buyers actually paid, county by county

Independent analysis of official mortgage recordsHMDA 2025 · 7,155,718 applications

Lender profile · HMDA 2025

Capitol Federal Savings Bank: 2025 mortgage rates, costs & approvals

How Capitol Federal Savings Bank priced and approved home loans in 2025, measured against every lender in the official HMDA records.

HMDA legal name: Capitol Federal Savings Bank · LEI 549300C61LNGA8J8EF85

In 2025, Capitol Federal Savings Bank originated 724 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 5 states — 589th by volume among the 2,017 lenders profiled here.

On conventional 30-year fixed purchase loans its median rate was 6.50% (all lenders: 6.625%); its median rate spread was 18 basis points below the national median. Median conventional loan costs were $3,130, 44% lower than the national median ($5,570).

It denied 4.6% of completed home-purchase applications (all lenders: 8.5%).

Loans
724
of 808 applications
Denial rate
4.6%
Purchase · all 8.5%
30-yr fixed rate
6.50%
Conv. · all 6.625%
Loan costs
$3,130
Conv. · all $5,570
Loan amount
$305,000
Purchase · all $335,000
Borrower income
$136,000
Purchase · all $116,000

How Capitol Federal Savings Bank priced home-purchase loans

Purchase loans, 2025Capitol Federal Savings BankAll lenders
30-year fixed rate · conventional6.500%6.625%
30-year fixed rate · FHA—6.250%
30-year fixed rate · VA—6.125%
15-year fixed rate · conventional5.625%5.875%
Rate spread vs. APOR · conventional−0.05 pts+0.13 pts
Total loan costs · conventional$3,130$5,570
Total loan costs · FHA—$11,310
Total loan costs · VA—$6,490
Origination charges (all types)$1,300$1,860
Borrowers paying discount points1.5%51.3%
Points paid, when paid (% of loan)—0.87%
Borrowers receiving lender credits31.3%33.1%

Medians shown with at least 20 loans. A lender's numbers reflect its borrowers (credit, down payment, loan size, location) as well as its pricing; HMDA has no credit scores. Rate spread = APR minus the average prime offer rate on the lock date, which removes most of the effect of when the rate was locked.

Loan mix and borrowers

By loan type

Conventional 99.7% 722
VA 0.3% 2

By purpose

Home purchase 82.6% 598
Refinance 6.5% 47
Cash-out refinance 10.9% 79
Home value
$425,000
Median, purchase loans
Down payment
20%
All lenders 10%
Refi rate
—
30-yr fixed, conventional
Refi denial rate
11.1%
Cash-out 22.6%

Why Capitol Federal Savings Bank denied purchase applications

Debt-to-income ratio 53.3% 16
Credit history 20.0% 6
Collateral (appraisal/property) 13.3% 4
Other 10.0% 3
Insufficient cash (down payment/closing costs) 3.3% 1

First reason the lender reported for each denied home-purchase application.

Where Capitol Federal Savings Bank lends

StateLoansApplicationsPurchase denial rate30-yr rate*Loan costs*
Kansas6227014.6%6.500%$3,140
Missouri1001043.5%6.500%$3,050
Oklahoma11———
Texas11———
Illinois01———

*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open Capitol Federal Savings Bank's page for that state.

Counties where Capitol Federal Savings Bank is a top lender

Check Capitol Federal Savings Bank yourself

This is a statistical profile, not a review or recommendation. HMDA data alone cannot show whether a lender complies with fair-lending laws, and a lender's medians depend on the borrowers it serves.

Lenders of similar size

Source: FFIEC/CFPB HMDA 2025 public LAR and filer list. Core segment: owner-occupied, single-family site-built, first-lien, closed-end purchase and refinance loans. Methodology