# Academy Bank, National Association

> **Canonical URL:** https://saferate.com/lenders/academy-bank-national-association


> **📋 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


Academy Bank, National Association is a bank, headquartered in Kansas City, MO, serving borrowers across 35 states, with 289 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 43% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 48% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300LP0CV2MNC1GV68
- **Headquarters:** Kansas City, MO
- **Geographic Reach:** Near-National
- **States Served:** 35
- **State List:** AK, AL, AR, AZ, CA, CO, FL, GA, IA, IL, IN, KS, KY, MA, MD, MI, MN, MO, MS, NC, NE, NH, NJ, NV, NY, OK, OR, SC, TN, TX, UT, VA, VT, WA, WI
- **Markets (MSAs):** 4
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 57/100
- Rating: ●●●○○ (3/5)

### Pull Through: Sound ☺️
- Score: 52/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.275%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,116
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 289
- **Dollar Volume:** $127 million
- **Applications Received:** 425
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $439,671
- **Average Borrower Income:** $211,779
- **Average Property Value:** $603,160

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 46/100 | 212 | +0.319% | $1,238 | Sound ☺️ |
| FHA | 56/100 | 30 | +0.542% | $1,209 | Sound ☺️ |
| VA | 43/100 | 27 | -0.307% | $-94 | Sound ☺️ |
| Jumbo | 45/100 | 19 | +0.184% | $1,373 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 186 loans, Score: 46/100 (Sound)
- Refinance: 26 loans, Score: 40/100 (Acceptable)

**FHA:**
- Purchase: 25 loans, Score: 54/100 (Sound)

**VA:**
- Purchase: 26 loans, Score: 42/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 49/100 | 253 | $110M | +0.300% | Sound ☺️ |
| Refinance | 43/100 | 36 | $17M | +0.131% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| KS | 104 | 0.35% | 74/100 |
| MO | 67 | 0.09% | 61/100 |
| AZ | 19 | 0.02% | 47/100 |
| MN | 13 | 0.02% | 43/100 |
| CO | 10 | 0.01% | 40/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Kansas City, MO | MO-KS | 153 | 74/100 |
| Non |  | 22 | 32/100 |
| Phoenix | AZ | 17 | 47/100 |
| Minneapolis | MN-WI | 11 | 42/100 |

## Where This Lender Ranks

Academy Bank, National Association appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#13** in Kansas City, MO for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/kansas-city-mo/best-mortgage-lenders/banks/jumbo-loans)
- 🏆 **#13** in Kansas for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/kansas/best-mortgage-lenders/banks/jumbo-loans)
- 🏆 **#15** in Kansas City, MO for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/kansas-city-mo/best-mortgage-lenders/banks/va-loans)
- 🏆 **#16** in Kansas for Jumbo Loans
  - [View Full Rankings](https://saferate.com/kansas/best-mortgage-lenders/jumbo-loans)
- 🏆 **#20** in Kansas City, MO for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/kansas-city-mo/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#20** in Kansas City, MO for Jumbo Loans
  - [View Full Rankings](https://saferate.com/kansas-city-mo/best-mortgage-lenders/jumbo-loans)

## Frequently Asked Questions

### What loan types does Academy Bank, National Association offer?

Academy Bank, National Association offers the following mortgage loan types: FHA, Conventional, VA, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Academy Bank, National Association offer mortgages?

Academy Bank, National Association offers mortgages in 35 states: AK, AL, AR, AZ, CA, CO, FL, GA, IA, IL, IN, KS, KY, MA, MD, MI, MN, MO, MS, NC, NE, NH, NJ, NV, NY, OK, OR, SC, TN, TX, UT, VA, VT, WA, WI.

### How competitive are Academy Bank, National Association's mortgage rates?

Academy Bank, National Association has a pricing score of 57/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.275% above market average.

### What type of lender is Academy Bank, National Association?

Academy Bank, National Association is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Kansas City, MO.

### What is Academy Bank, National Association's loan approval success rate?

Academy Bank, National Association has a pull-through score of 52/100 (Sound). 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/academy-bank-national-association

### How to Cite

> "Academy Bank, National Association Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/academy-bank-national-association

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