STRONG
How competitive are their spreads? Lower = better for you.
GOOD
Total SBA loans closed. More deals = more experience.
GOOD
How many industries do they lend in? More = flexible.
WEAK
States where they've done deals. Wider = easier if you're out of state.
Total SBA Loans
153
2010–2025
Total Volume
$46M
Gross loan amounts
States Active
4
With recorded loans
Programs
7(a) & 504
153 total segments
Capitol Federal Savings Bank has a strong focus on smaller loans, with 73 deals under $150K. This makes them a good option for startups or small businesses needing less capital.
With a 7(a) spread of P+1.70%, Capitol Federal offers competitive pricing compared to the national median of P+2.75%. This could save you money on interest over the life of the loan.
The lender's growth trend shows a 20% decline in deal volume year-over-year. If you're considering them for a loan, be aware that they may be tightening their lending criteria.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 26 504 loans, which use fixed SBA debenture rates.
States where Capitol Federal Savings Bank has recorded SBA lending activity.
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Restaurants & Food Service
Accommodation & Food Services
Food & Beverage Stores
Retail Trade
Manufacturing
Manufacturing
Auto Repair & Maintenance
Other Services
Arts, Entertainment & Recreation
Arts, Entertainment & Recreation
Specialty Trade Contractors
Construction
Gas Stations
Retail Trade
Wholesale Trade
Wholesale Trade
+ 7 more
All recorded SBA lending activity for Capitol Federal Savings Bank, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Kansas · Restaurants & Food Service · $150K – $350K | 7(a) | 7 | P+2.25% | $244K | Q1 2023 |
| Kansas · Auto Repair & Maintenance · $150K – $350K | 7(a) | 6 | P+2.07% | $213K | Q3 2016 |
| Kansas · Manufacturing · Under $150K | 7(a) | 6 | P+2.50% | $84K | Q3 2018 |
| Kansas · Wholesale Trade · Under $150K | 7(a) | 5 | P+2.00% | $91K | Q1 2016 |
| Kansas · Personal Care (Salons, Spas) · Under $150K | 7(a) | 5 | P+1.75% | $93K | Q2 2022 |
| Kansas · Restaurants & Food Service · Under $150K | 7(a) | 5 | P+2.50% | $83K | Q1 2022 |
| Kansas · Specialty Trade Contractors · Under $150K | 7(a) | 4 | P+1.37% | $86K | Q2 2023 |
| Kansas · Other Health Practitioners · Under $150K | 7(a) | 4 | P+2.25% | $80K | Q1 2022 |
| Missouri · Restaurants & Food Service · $150K – $350K | 7(a) | 3 | P+1.25% | $257K | Q3 2021 |
| Kansas · Engineering & Architecture · Under $150K | 7(a) | 3 | P+0.75% | $128K | Q3 2023 |
| Kansas · Arts, Entertainment & Recreation · Under $150K | 7(a) | 3 | P+1.75% | $77K | Q4 2020 |
| Missouri · Food & Beverage Stores · Under $150K | 7(a) | 3 | P+1.00% | $55K | Q1 2018 |
| Kansas · Transportation & Warehousing · Under $150K | 7(a) | 3 | P+1.75% | $103K | Q2 2020 |
| Kansas · Auto Repair & Maintenance · Under $150K | 7(a) | 2 | P+1.95% | $62K | Q1 2016 |
| Kansas · Manufacturing · $150K – $350K | 7(a) | 2 | P+1.75% | $303K | Q3 2016 |
| Kansas · Arts, Entertainment & Recreation · $500K – $1M | 504 | 2 | — | $563K | Q4 2023 |
| Missouri · Food & Beverage Stores · $500K – $1M | 7(a) | 2 | P+0.75% | $726K | Q1 2025 |
| Kansas · Food & Beverage Stores · Under $150K | 7(a) | 2 | P+2.00% | $125K | Q2 2021 |
| Kansas · Gas Stations · $500K – $1M | 504 | 2 | — | $560K | Q4 2011 |
| Kansas · General Merchandise · Under $150K | 7(a) | 2 | P+3.00% | $83K | Q2 2015 |
| Kansas · Other Professional Services · Under $150K | 7(a) | 2 | P+2.00% | $125K | Q4 2021 |
| Kansas · Retail Trade · Under $150K | 7(a) | 2 | P+3.13% | $38K | Q2 2011 |
| Kansas · Retail Trade · $150K – $350K | 7(a) | 2 | P+1.38% | $186K | Q4 2021 |
| Kansas · Finance & Insurance · $150K – $350K | 7(a) | 2 | P+0.38% | $167K | Q4 2014 |
| Kansas · Administrative & Waste Services · Under $150K | 7(a) | 2 | P+2.13% | $63K | Q4 2015 |
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