# North American Savings Bank, F.S.B.

> **Canonical URL:** https://saferate.com/lenders/north-american-savings-bank-fsb


> **📋 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


North American Savings Bank, F.S.B. is a bank, headquartered in Grandview, MO, serving borrowers nationwide, with 558 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 57% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 65% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300K6K2IS7FRS7S09
- **Headquarters:** Grandview, MO
- **Geographic Reach:** National
- **States Served:** 47
- **State List:** AK, AL, AR, AZ, CA, CO, CT, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, TN, TX, UT, VA, VT, WA, WI, WV, WY
- **Markets (MSAs):** 5
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 43/100
- Rating: ●●●○○ (3/5)

### Pull Through: Acceptable 🙂
- Score: 35/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** +0.302%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,514
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 558
- **Dollar Volume:** $249 million
- **Applications Received:** 836
- **Market Share:** 2.00%

## Typical Borrower Profile

- **Average Loan Amount:** $446,380
- **Average Borrower Income:** $233,968
- **Average Property Value:** $572,975

## Safe Rate Awards 🏆

- ⭐ **VA Gold Superstar** (78%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 44/100 | 317 | +0.852% | $3,495 | Sound ☺️ |
| FHA | 56/100 | 37 | +0.303% | $2,091 | Sound ☺️ |
| VA | 75/100 | 176 | -0.606% | $988 | Strong 😀 |
| Jumbo | 48/100 | 28 | +2.089% | $8,747 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 283 loans, Score: 45/100 (Sound)
- Refinance: 34 loans, Score: 34/100 (Acceptable)

**FHA:**
- Purchase: 27 loans, Score: 54/100 (Sound)

**VA:**
- Purchase: 146 loans, Score: 74/100 (Strong)
- Refinance: 30 loans, Score: 50/100 (Sound)

**Jumbo:**
- Purchase: 27 loans, Score: 48/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 55/100 | 483 | $221M | +0.337% | Sound ☺️ |
| Refinance | 49/100 | 75 | $28M | +0.175% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| MO | 68 | 0.09% | 59/100 |
| VA | 55 | 0.05% | 58/100 |
| FL | 41 | 0.01% | 49/100 |
| TX | 34 | 0.01% | 47/100 |
| AK | 28 | 0.38% | 54/100 |
| NC | 28 | 0.02% | 47/100 |
| GA | 24 | 0.02% | 47/100 |
| KS | 21 | 0.07% | 50/100 |
| CA | 20 | 0.01% | 42/100 |
| TN | 17 | 0.02% | 44/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Kansas City, MO | MO-KS | 64 | 62/100 |
| Non |  | 64 | 46/100 |
| Virginia Beach | VA-NC | 49 | 61/100 |
| Anchorage, AK | AK | 28 | 55/100 |
| Las Vegas | NV | 10 | 40/100 |

## Where This Lender Ranks

North American Savings Bank, F.S.B. appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥈 **#2** in Anchorage, AK for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/anchorage-ak/best-mortgage-lenders/banks/va-loans)
- 🏆 **#4** in Alaska for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/alaska/best-mortgage-lenders/banks/va-loans)
- 🏆 **#7** in Kansas City, MO for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/kansas-city-mo/best-mortgage-lenders/banks/va-loans)
- 🏆 **#7** in Anchorage, AK Banks
  - [View Full Rankings](https://saferate.com/anchorage-ak/best-mortgage-lenders/banks)
- 🏆 **#9** in Alaska Banks
  - [View Full Rankings](https://saferate.com/alaska/best-mortgage-lenders/banks)
- 🏆 **#13** in Anchorage, AK for VA Loans
  - [View Full Rankings](https://saferate.com/anchorage-ak/best-mortgage-lenders/va-loans)
- 🏆 **#16** in Alaska for VA Loans
  - [View Full Rankings](https://saferate.com/alaska/best-mortgage-lenders/va-loans)
- 🏆 **#17** in Kansas City, MO for VA Loans
  - [View Full Rankings](https://saferate.com/kansas-city-mo/best-mortgage-lenders/va-loans)

## Frequently Asked Questions

### What loan types does North American Savings Bank, F.S.B. offer?

North American Savings Bank, F.S.B. 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 North American Savings Bank, F.S.B. offer mortgages?

North American Savings Bank, F.S.B. is a national lender offering mortgages in all 50 states plus Washington D.C.

### How competitive are North American Savings Bank, F.S.B.'s mortgage rates?

North American Savings Bank, F.S.B. has a pricing score of 43/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.302% above market average.

### What type of lender is North American Savings Bank, F.S.B.?

North American Savings Bank, F.S.B. is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Grandview, MO.

### What is North American Savings Bank, F.S.B.'s loan approval success rate?

North American Savings Bank, F.S.B. has a pull-through score of 35/100 (Acceptable). 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/north-american-savings-bank-fsb

### How to Cite

> "North American Savings Bank, F.S.B. Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/north-american-savings-bank-fsb

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