# Armed Forces Bank, National Association

> **Canonical URL:** https://saferate.com/lenders/armed-forces-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


Armed Forces Bank, National Association is a bank, headquartered in Kansas City, MO, serving borrowers nationwide, with 1,045 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 31% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 55% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 5493007CLWQN2S6IZK91
- **Headquarters:** Kansas City, MO
- **Geographic Reach:** National
- **States Served:** 50
- **State List:** AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, TN, TX, UT, VA, VT, WA, WI, WV, WY
- **Markets (MSAs):** 17
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 69/100
- Rating: ●●●●○ (4/5)

### Pull Through: Sound ☺️
- Score: 45/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** -0.199%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,311
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 1,045
- **Dollar Volume:** $463 million
- **Applications Received:** 1,711
- **Market Share:** 3.00%

## Typical Borrower Profile

- **Average Loan Amount:** $442,742
- **Average Borrower Income:** $160,699
- **Average Property Value:** $512,847

## Safe Rate Awards 🏆

- 💎 **VA Diamond Champion** (84%)
- ⭐ **Purchase Gold Superstar** (64%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 56/100 | 271 | +0.305% | $1,685 | Sound ☺️ |
| FHA | 59/100 | 58 | +0.510% | $2,370 | Sound ☺️ |
| VA | 82/100 | 693 | -0.497% | $1,057 | Exceptional 🤩 |
| Jumbo | 45/100 | 17 | +0.211% | $1,113 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 234 loans, Score: 44/100 (Sound)
- Refinance: 37 loans, Score: 35/100 (Acceptable)

**FHA:**
- Purchase: 52 loans, Score: 59/100 (Sound)

**VA:**
- Purchase: 602 loans, Score: 81/100 (Exceptional)
- Refinance: 91 loans, Score: 55/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 69/100 | 910 | $397M | -0.135% | Strong 😀 |
| Refinance | 52/100 | 135 | $66M | -0.418% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| VA | 106 | 0.10% | 64/100 |
| MO | 92 | 0.12% | 61/100 |
| TX | 90 | 0.03% | 56/100 |
| KS | 81 | 0.27% | 67/100 |
| FL | 57 | 0.02% | 50/100 |
| AZ | 52 | 0.05% | 55/100 |
| NC | 40 | 0.03% | 50/100 |
| GA | 38 | 0.03% | 50/100 |
| AL | 34 | 0.06% | 53/100 |
| CO | 34 | 0.04% | 50/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 154 | 58/100 |
| Kansas City, MO | MO-KS | 76 | 62/100 |
| Virginia Beach | VA-NC | 76 | 65/100 |
| Phoenix | AZ | 44 | 54/100 |
| Manhattan, KS | KS | 32 | 65/100 |
| Arlington | VA-WV | 27 | 51/100 |
| Las Vegas | NV | 22 | 49/100 |
| Killeen | TX | 19 | 50/100 |
| Minneapolis | MN-WI | 19 | 46/100 |
| San Antonio | TX | 16 | 44/100 |
| Baltimore | MD | 15 | 44/100 |
| Colorado Springs, CO | CO | 15 | 45/100 |
| Washington, DC | DC-MD | 14 | 45/100 |
| Atlanta | GA | 12 | 40/100 |
| Houston | TX | 12 | 39/100 |

## Where This Lender Ranks

Armed Forces Bank, National Association appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥈 **#2** in Virginia Beach for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/virginia-beach/best-mortgage-lenders/banks/va-loans)
- 🥈 **#2** in Manhattan, KS for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/manhattan-ks/best-mortgage-lenders/banks/va-loans)
- 🥉 **#3** in Manhattan, KS for VA Loans
  - [View Full Rankings](https://saferate.com/manhattan-ks/best-mortgage-lenders/va-loans)
- 🥉 **#3** in Killeen for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/killeen/best-mortgage-lenders/banks/va-loans)
- 🏆 **#4** in Kansas City, MO for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/kansas-city-mo/best-mortgage-lenders/banks/va-loans)
- 🏆 **#4** in Virginia Beach for VA Loans
  - [View Full Rankings](https://saferate.com/virginia-beach/best-mortgage-lenders/va-loans)
- 🏆 **#5** in Kansas for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/kansas/best-mortgage-lenders/banks/va-loans)
- 🏆 **#5** in Manhattan, KS Banks
  - [View Full Rankings](https://saferate.com/manhattan-ks/best-mortgage-lenders/banks)
- 🏆 **#6** in Kansas for VA Loans
  - [View Full Rankings](https://saferate.com/kansas/best-mortgage-lenders/va-loans)
- 🏆 **#7** in Manhattan, KS
  - [View Full Rankings](https://saferate.com/manhattan-ks/best-mortgage-lenders)
- 🏆 **#7** in Manhattan, KS for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/manhattan-ks/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#8** in Kansas City, MO for VA Loans
  - [View Full Rankings](https://saferate.com/kansas-city-mo/best-mortgage-lenders/va-loans)
- 🏆 **#8** in Virginia Beach Banks
  - [View Full Rankings](https://saferate.com/virginia-beach/best-mortgage-lenders/banks)
- 🏆 **#10** in Killeen for VA Loans
  - [View Full Rankings](https://saferate.com/killeen/best-mortgage-lenders/va-loans)
- 🏆 **#12** in Virginia Beach for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/virginia-beach/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#16** in Manhattan, KS for Conventional Loans
  - [View Full Rankings](https://saferate.com/manhattan-ks/best-mortgage-lenders/conventional-loans)

## Frequently Asked Questions

### What loan types does Armed Forces Bank, National Association offer?

Armed Forces 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 Armed Forces Bank, National Association offer mortgages?

Armed Forces Bank, National Association is a national lender offering mortgages in all 50 states plus Washington D.C.

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

Armed Forces Bank, National Association has a pricing score of 69/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.199% below market average.

### What type of lender is Armed Forces Bank, National Association?

Armed Forces 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 Armed Forces Bank, National Association's loan approval success rate?

Armed Forces Bank, National Association has a pull-through score of 45/100 (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/armed-forces-bank-national-association

### How to Cite

> "Armed Forces Bank, National Association Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/armed-forces-bank-national-association

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