What loan types does Academy Bank offer?

Academy Bank offers the following mortgage loan types: FHA, Conventional, VA, Jumbo. Each product has its own pricing score and performance metrics.

Where does Academy Bank offer mortgages?

Academy Bank 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's mortgage rates?

Academy Bank has an overall pricing score of 57.4/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Academy Bank?

Academy Bank is a Bank headquartered in Kansas City, MO.

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Academy Bank

Bank•Kansas City, MOHQ•Direct•Reviews near you on Google

Academy Bank has 289 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Sound

3/5

vs. all lenders

Pull-through

Sound

3/5

closing strength

Product

Sound

3/5

FHA · Conventional · VA · Jumbo

Place

Sound

3/5

Near-National · 3 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Summary

What They Do Well

Nationwide availability with consistent service

Explore another lender or local market

Report Card

Academy Bank performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Sound

+27.5 bps above market avg

3/5

Pull Through

Closing strength

Sound

Top 60% of lenders

3/5

By Loan Product· Specialization by type

Conventional

212 loans · 0.32% above market

Sound

Top 60% of lenders

3/5

FHA

30 loans · 0.54% above market

Sound

Top 60% of lenders

3/5

27 loans · 0.31% below market

Sound

Top 60% of lenders

3/5

Jumbo

19 loans · 0.18% above market

Sound

Top 60% of lenders

3/5

By Loan Purpose· Transaction purpose mix

Purchase

253 loans · 0.30% above market

Sound

Top 60% of lenders

3/5

Refinance

36 loans · 0.13% above market

Sound

Top 60% of lenders

3/5

By Location· Geographic coverage

Geographic Reach

Near-National · 4 markets

Sound

Top 60% of lenders

3/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Sound	Sound	Acceptable	212	73.4%	+0.319%Above	$1,238Fees
FHA Loans	Sound	Sound	Strong	Sound	30	10.4%	+0.542%Above	$1,209Fees
VA Loans	Sound	Sound	Strong	Acceptable	27	9.3%	-0.307%Below	$94Credit
Jumbo Loans	Acceptable	Sound	—	Acceptable	19	6.6%	+0.184%Above	$1,373Fees

Conventional

Overall

Sound

Product

Sound

Pricing

Sound

Pull Through

Acceptable

Volume212

Mix73.4%

Spread

+0.319%Above

Fees

$1,238Fees

FHA Loans

Overall

Sound

Product

Sound

Pricing

Strong

Pull Through

Sound

Volume30

Mix10.4%

Spread

+0.542%Above

Fees

$1,209Fees

VA Loans

Overall

Sound

Product

Sound

Pricing

Strong

Pull Through

Acceptable

Volume27

Mix9.3%

Spread

-0.307%Below

Fees

$94Credit

Jumbo Loans

Overall

Acceptable

Product

Sound

Pricing—

Pull Through

Acceptable

Volume19

Mix6.6%

Spread

+0.184%Above

Fees

$1,373Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Sound	Sound	Acceptable	253	87.5%	+0.300%Above	$1,109Fees
Refinance	Sound	Sound	Strong	Sound	36	12.5%	+0.131%Above	$1,153Fees

Purchase

Overall

Sound

Product

Sound

Pricing

Sound

Pull Through

Acceptable

Volume253

Mix87.5%

Spread

+0.300%Above

Fees

$1,109Fees

Refinance

Overall

Sound

Product

Sound

Pricing

Strong

Pull Through

Sound

Volume36

Mix12.5%

Spread

+0.131%Above

Fees

$1,153Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

289

Applications

425

Volume

$127 million

Pricing & Closing

Avg Rate Spread

+0.275%

vs. market APOR

Avg Net Fees

$1,116

Origination − Credits

Pullthrough Rate

68.0%

Applications → Closed

Typical Borrower

Avg Loan Amount

$439,671

Avg Borrower Income

$211,779

Avg Property Value

$603,160

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Sound

3/5

States with Loan Originations

35Full-year 2024 · HMDA

Loans originated

< 1010–2020–5050+None

Northeast5

MANHNJNYVT

Midwest9

IAILINKSMIMNMONEWI

South13

ALARFLGAKYMDMSNCOKSCTNTXVA

West8

AKAZCACONVORUTWA

Top Metro Areas by Place Specialization Score

Kansas City, MO, MO-KSMetro

Volume 153Mix 52.94% of portfolio

74/100

Strong

Phoenix, AZMetro

Volume 17Mix 5.88% of portfolio

47/100

Sound

Minneapolis, MN-WIMetro

Volume 11Mix 3.81% of portfolio

42/100

Sound

Top States by Place Specialization Score

KansasState

Volume 104Mix 35.99% of portfolio

74/100

Strong

MissouriState

Volume 67Mix 23.18% of portfolio

61/100

Strong

ArizonaState

Volume 19Mix 6.57% of portfolio

47/100

Sound

MinnesotaState

Volume 13Mix 4.50% of portfolio

43/100

Sound

ColoradoState

Volume 10Mix 3.46% of portfolio

40/100

Sound

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps: Pricing, Product, Pull-Through, Place, and Promptness. Promptness measures how quickly a lender answers real shopper quote requests; a lender with none measured yet is counted at an estimate.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Champion(80%+ = 40-50 points)

Superstar(60-79% = 30-39 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary Safe Rate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

Looking for a different lender?

The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.