We analyzed every closed loan from Capitol Federal Savings Bank — 881 loans across 1k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Summary
What They Do Well
- Offers rates 19.40 basis points below market average
- Lower than average lender fees
- Strong pull through performance
- Particularly strong in Conventional and Jumbo loans
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Report Card
Capitol Federal Savings Bank performance at a glance
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 831 | 94.3% | -0.196%Below | $1,307Fees | ||||
Jumbo Loans | 49 | 5.6% | -0.151%Below | $1,344Fees |
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 780 | 88.5% | -0.185%Below | $1,312Fees | ||||
Refinance | 101 | 11.5% | -0.257%Below | $1,272Fees |
At a Glance
Lender Overview
Geographic Coverage
Geographic Performance
States with Loan Originations
6Full-year 2024 · HMDA
How We Rank Lenders
Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.
Our Point System (Max 50 Points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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