Capitol Federal Financial, Inc. operates as the holding company for Capitol Federal Savings Bank that provides various retail banking products and services in the United States. The company accepts various deposit products comprising savings accounts, money market accounts, interest-bearing and noninterest-bearing checking accounts, and certificates of deposits. It also provides various loan products, such as one- to four-family residential real estate loans; construction-to-permanent loans secured by residential, multi-family dwellings, and commercial real estate properties; consumer loans comprising home equity loans and lines of credit, home improvement loans, auto loans, and loans secured by savings deposits; and multi-family and commercial loans. In addition, the company offers mobile banking, telephone banking, and online banking services, as well as bill payment services; operates a call center; invests in various securities; and serves as a mortgage reinsurance company. As of September 30, 2015, it operated a network of 47 branches, including 37 traditional branches and 10 in-store branches located in Kansas and Missouri. The company was founded in 1893 and is headquartered in Topeka, Kansas.