Capitol Federal Savings Bank in Missouri vs the state
12.9%Denial rate-2.13 pts vs state
15.0%Decision denial rate-3.72 pts vs state
70.6%Origination rate+7.97 pts vs state
6.50%Median rate-0.13 pts vs state
0.09Rate spread (pts)-0.26 pts vs state
$142kMedian applicant income
202Loans originated
37Denied
Trend in Missouri
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 373 | 277 | 8.9% | 6.19% | #93 |
| 2024 | 350 | 260 | 9.4% | 6.50% | #112 |
| 2025 | 286 | 202 | 12.9% | 6.50% | #143 |
What Capitol Federal Savings Bank lends in Missouri
By loan purpose
By loan type
Why it denied Missouri applicants
Where in Missouri
Counties with the most Capitol Federal Savings Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jackson County | 166 | 117 | 22 | 13.3% |
| Clay County | 47 | 31 | 7 | 14.9% |
| Platte County | 28 | 21 | 3 | 10.7% |
| Cass County | 23 | 15 | 3 | 13.0% |
| Camden County | 5 | 5 | 0 | 0.0% |
| Clinton County | 3 | 2 | 0 | 0.0% |
| Stone County | 3 | 2 | 0 | 0.0% |
| Boone County | 3 | 2 | 1 | 33.3% |
| Bates County | 2 | 2 | 0 | 0.0% |
| Christian County | 2 | 2 | 0 | 0.0% |
Other large lenders in Missouri
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 10,460 | 18.4% | 6.63% |
| Flat Branch Mortgage | A | 8,999 | 0.9% | 6.63% |
| Guild Mortgage | A | 7,388 | 2.5% | 6.63% |
| U.S. Bank | D | 7,190 | 32.8% | 7.63% |
| The Central Trust Bank | C | 7,022 | 9.7% | 6.63% |
| United Shore Financial Services | B | 6,710 | 8.0% | 6.55% |
| Communityamerica Credit Union | B | 5,843 | 16.8% | 6.49% |
| Mortgage Research Center | C | 5,734 | 15.6% | 6.25% |
| Broker Solutions | D | 5,007 | 7.8% | 6.88% |
| Commerce Bank | D | 4,905 | 27.2% | 6.72% |
Frequently asked questions
Missouri: 286 applications in 2025, of which 202 were originated and 37 denied.
12.9% of all applications, or 15.0% of the applications it actually decided on. The Missouri statewide average across all lenders was 15.1%.
The median rate on loans Capitol Federal Savings Bank originated in Missouri in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are Capitol Federal Savings Bank's own HMDA filing for properties located in Missouri, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology