# Capitol Federal Savings Bank

> **Canonical URL:** https://saferate.com/lenders/capitol-federal-savings-bank


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Capitol Federal Savings Bank is a bank, headquartered in Topeka, KS, serving borrowers across 6 states, with 881 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 13% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 28% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300C61LNGA8J8EF85
- **Headquarters:** Topeka, KS
- **Geographic Reach:** Multi-Region
- **States Served:** 6
- **State List:** AR, CA, GA, KS, MO, OK
- **Markets (MSAs):** 6
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 99.9%
- **Brokered/Wholesale:** 0.1%

## Safe Rate Ratings

### Pricing: Exceptional 🤩
- Score: 87/100
- Rating: ●●●●● (5/5)

### Pull Through: Strong 😀
- Score: 72/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** -0.194%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,307
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 881
- **Dollar Volume:** $306 million
- **Applications Received:** 1,146
- **Market Share:** 2.00%

## Typical Borrower Profile

- **Average Loan Amount:** $347,100
- **Average Borrower Income:** $175,432
- **Average Property Value:** $503,445

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (78%)
- ⭐ **Jumbo Gold Superstar** (70%)
- ⭐ **Purchase Gold Superstar** (78%)
- ⭐ **Refinance Gold Superstar** (78%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 75/100 | 831 | -0.196% | $1,307 | Strong 😀 |
| Jumbo | 77/100 | 49 | -0.151% | $1,344 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 733 loans, Score: 75/100 (Strong)
- Refinance: 98 loans, Score: 66/100 (Strong)

**Jumbo:**
- Purchase: 46 loans, Score: 77/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 73/100 | 780 | $278M | -0.185% | Strong 😀 |
| Refinance | 64/100 | 101 | $27M | -0.257% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| KS | 726 | 2.42% | 98/100 |
| MO | 149 | 0.20% | 67/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Kansas City, MO | MO-KS | 512 | 86/100 |
| Wichita, KS | KS | 163 | 82/100 |
| Topeka, KS | KS | 113 | 83/100 |
| Lawrence, KS | KS | 45 | 73/100 |
| Non |  | 28 | 31/100 |
| Manhattan, KS | KS | 15 | 50/100 |

## Where This Lender Ranks

Capitol Federal Savings Bank appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Kansas for Conventional Loans
  - [View Full Rankings](https://saferate.com/kansas/best-mortgage-lenders/conventional-loans)
- 🥇 **#1** in Kansas for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/kansas/best-mortgage-lenders/banks/conventional-loans)
- 🥇 **#1** in Kansas City, MO
  - [View Full Rankings](https://saferate.com/kansas-city-mo/best-mortgage-lenders)
- 🥇 **#1** in Kansas City, MO Banks
  - [View Full Rankings](https://saferate.com/kansas-city-mo/best-mortgage-lenders/banks)
- 🥇 **#1** in Kansas City, MO for Conventional Loans
  - [View Full Rankings](https://saferate.com/kansas-city-mo/best-mortgage-lenders/conventional-loans)
- 🥇 **#1** in Kansas City, MO for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/kansas-city-mo/best-mortgage-lenders/banks/conventional-loans)
- 🥇 **#1** in Wichita, KS
  - [View Full Rankings](https://saferate.com/wichita-ks/best-mortgage-lenders)
- 🥇 **#1** in Wichita, KS Banks
  - [View Full Rankings](https://saferate.com/wichita-ks/best-mortgage-lenders/banks)
- 🥇 **#1** in Wichita, KS for Conventional Loans
  - [View Full Rankings](https://saferate.com/wichita-ks/best-mortgage-lenders/conventional-loans)
- 🥇 **#1** in Wichita, KS for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/wichita-ks/best-mortgage-lenders/banks/conventional-loans)
- 🥇 **#1** in Topeka, KS
  - [View Full Rankings](https://saferate.com/topeka-ks/best-mortgage-lenders)
- 🥇 **#1** in Topeka, KS Banks
  - [View Full Rankings](https://saferate.com/topeka-ks/best-mortgage-lenders/banks)
- 🥇 **#1** in Topeka, KS for Conventional Loans
  - [View Full Rankings](https://saferate.com/topeka-ks/best-mortgage-lenders/conventional-loans)
- 🥇 **#1** in Topeka, KS for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/topeka-ks/best-mortgage-lenders/banks/conventional-loans)
- 🥇 **#1** in Lawrence, KS
  - [View Full Rankings](https://saferate.com/lawrence-ks/best-mortgage-lenders)
- 🥇 **#1** in Lawrence, KS Banks
  - [View Full Rankings](https://saferate.com/lawrence-ks/best-mortgage-lenders/banks)
- 🥈 **#2** in Kansas
  - [View Full Rankings](https://saferate.com/kansas/best-mortgage-lenders)
- 🥈 **#2** in Kansas Banks
  - [View Full Rankings](https://saferate.com/kansas/best-mortgage-lenders/banks)
- 🥈 **#2** in Lawrence, KS for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/lawrence-ks/best-mortgage-lenders/banks/conventional-loans)
- 🥉 **#3** in Lawrence, KS for Conventional Loans
  - [View Full Rankings](https://saferate.com/lawrence-ks/best-mortgage-lenders/conventional-loans)

## Frequently Asked Questions

### What loan types does Capitol Federal Savings Bank offer?

Capitol Federal Savings Bank offers the following mortgage loan types: Conventional, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Capitol Federal Savings Bank offer mortgages?

Capitol Federal Savings Bank offers mortgages in 6 states: AR, CA, GA, KS, MO, OK.

### How competitive are Capitol Federal Savings Bank's mortgage rates?

Capitol Federal Savings Bank has a pricing score of 87/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.194% below market average.

### What type of lender is Capitol Federal Savings Bank?

Capitol Federal Savings Bank is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Topeka, KS.

### What is Capitol Federal Savings Bank's loan approval success rate?

Capitol Federal Savings Bank has a pull-through score of 72/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/capitol-federal-savings-bank

### How to Cite

> "Capitol Federal Savings Bank Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/capitol-federal-savings-bank

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