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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.

Safe Rate 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

Safe Rate 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
Pull Through
Closing strength
Sound
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Top 60% of lenders
FHA
Sound
Top 60% of lenders
VA
Sound
Top 60% of lenders
Jumbo
Sound
Top 60% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Top 60% of lenders
Refinance
Sound
Top 60% of lenders
By Location· Geographic coverage
Geographic Reach
Near-National · 4 markets
Sound
Top 60% of lenders

Loan Product Performance

Performance by Loan Product

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

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
3
markets with activity
States Served
35
of 50 states + DC
Avg Place Specialization
Sound
3/5

States with Loan Originations

35
35 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Northeast5
MANHNJNYVT
Midwest9
IAILINKSMIMNMONEWI
South13
ALARFLGAKYMDMSNCOKSCTNTXVA
West8
AKAZCACONVORUTWA

Top Metro Areas by Place Specialization Score

1© Lasse Fuss · CC BY-SA 3.0
Kansas City, MO, MO-KSMetro
Volume 153Mix 52.94% of portfolio
74/100
Strong
2© DPPed · CC BY-SA 3.0
Phoenix, AZMetro
Volume 17Mix 5.88% of portfolio
47/100
Sound
3© w_lemay · CC BY-SA 2.0
Minneapolis, MN-WIMetro
Volume 11Mix 3.81% of portfolio
42/100
Sound

Top States by Place Specialization Score

Kansas
Kansas
1
KansasState
Volume 104Mix 35.99% of portfolio
74/100
Strong
Missouri
Missouri
2
MissouriState
Volume 67Mix 23.18% of portfolio
61/100
Strong
Arizona
Arizona
3
ArizonaState
Volume 19Mix 6.57% of portfolio
47/100
Sound
Minnesota
Minnesota
4
MinnesotaState
Volume 13Mix 4.50% of portfolio
43/100
Sound
Colorado
Colorado
5
ColoradoState
Volume 10Mix 3.46% of portfolio
40/100
Sound

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)

Data Integrity & Updates

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

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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.