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Academy Bank, National Association
Bank|Kansas City, MO|Near-National
Loans Originated
289
Applications
425
Volume
$127 million
Offers loans directly to consumers
Overall Pricing
Sound
Overall Pull Through
Sound
Pricing and Pullthrough Overview
Average Rate Spread
+0.275%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$1,116
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
68.0%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Nationwide availability with consistent service
Report Card
Academy Bank, National Association performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Sound | Industry Standard | |
Pull Through Closing Strength | Sound | Industry Standard | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Sound | Industry Standard | |
FHA | Sound | Industry Standard | |
VA | Sound | Industry Standard | |
Jumbo | Sound | Industry Standard | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Sound | Industry Standard | |
Refinance | Sound | Industry Standard | |
Places Geographic coverage | Sound | Near-National · 4 metro areas · 35 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$439,671
Average Borrower Income
$211,779
Average Property Value
$603,160
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% | $1,238 |
FHA Loans | Sound | Sound | Strong | Sound | 30 | 10.4% | +0.542% | $1,209 |
VA Loans | Sound | Sound | Strong | Acceptable | 27 | 9.3% | -0.307% | -$94 |
Jumbo Loans | Acceptable | Sound | N/A | Acceptable | 19 | 6.6% | +0.184% | $1,373 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Sound | Sound | Acceptable | 253 | 87.5% | +0.300% | $1,109 |
Refinance | Sound | Sound | Strong | Sound | 36 | 12.5% | +0.131% | $1,153 |
Geographic Coverage
Metro Areas
3
States Served
35
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
AKALARAZCACOFLGAIAILINKSKYMAMDMIMNMOMSNCNENHNJNVNYOKORSCTNTXUTVAVTWAWI
Top Metro Areas by Place Specialization Score
1
Kansas City, MO, MO-KSMSA
Volume: 153Mix: 52.94%
Place Specialization
Strong
2
Phoenix, AZMSA
Volume: 17Mix: 5.88%
Place Specialization
Sound
3
Minneapolis, MN-WIMSA
Volume: 11Mix: 3.81%
Place Specialization
Sound
Top States by Place Specialization Score
1
KSState
Volume: 104Mix: 35.99%
Place Specialization
Strong
2
MOState
Volume: 67Mix: 23.18%
Place Specialization
Strong
3
AZState
Volume: 19Mix: 6.57%
Place Specialization
Sound
4
MNState
Volume: 13Mix: 4.50%
Place Specialization
Sound
5
COState
Volume: 10Mix: 3.46%
Place Specialization
Sound
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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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