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Armed Forces Bank, National Association
Bank|Kansas City, MO|National
Loans Originated
1,045
Applications
1,711
Volume
$462 million
Offers loans directly to consumers
Overall Pricing
Strong
Overall Pull Through
Sound
Safe Rate Awards💎VA Champion⭐Purchase Superstar
Pricing and Pullthrough Overview
Average Rate Spread
-0.199%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$1,311
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
61.1%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Offers rates 19.90 basis points below market average
- Lower than average lender fees
- Nationwide availability with consistent service
Report Card
Armed Forces Bank, National Association performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Strong | Highly Competitive | |
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 | Exceptional | Market Leader | |
Jumbo | Sound | Industry Standard | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Refinance | Sound | Industry Standard | |
Places Geographic coverage | Sound | National · 17 metro areas · 50 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$442,742
Average Borrower Income
$160,699
Average Property Value
$512,847
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Sound | Sound | Sound | Sound | 271 | 25.9% | +0.305% | $1,685 |
FHA Loans | Sound | Sound | Sound | Sound | 58 | 5.6% | +0.510% | $2,370 |
VA Loans | Exceptional | Exceptional | Exceptional | Strong | 693 | 66.3% | -0.497% | $1,057 |
Jumbo Loans | Acceptable | Sound | N/A | Mediocre | 17 | 1.6% | +0.211% | $1,113 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Strong | Strong | Strong | Sound | 910 | 87.1% | -0.135% | $1,236 |
Refinance | Sound | Sound | Strong | Acceptable | 135 | 12.9% | -0.418% | $1,568 |
Geographic Coverage
Metro Areas
16
States Served
50
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
AKALARAZCACOCTDCDEFLGAHIIAIDILINKSKYLAMAMDMEMIMNMOMSMTNCNDNENHNJNMNVNYOHOKORPARISCTNTXUTVAVTWAWIWVWY
Top Metro Areas by Place Specialization Score
1
Manhattan, KS, KSMSA
Volume: 32Mix: 3.06%
Place Specialization
Strong
2
Virginia Beach, VA-NCMSA
Volume: 76Mix: 7.27%
Place Specialization
Strong
3
Kansas City, MO, MO-KSMSA
Volume: 76Mix: 7.27%
Place Specialization
Strong
4
Phoenix, AZMSA
Volume: 44Mix: 4.21%
Place Specialization
Sound
5
Arlington, VA-WVMSA
Volume: 27Mix: 2.58%
Place Specialization
Sound
6
Killeen, TXMSA
Volume: 19Mix: 1.82%
Place Specialization
Sound
7
Las Vegas, NVMSA
Volume: 22Mix: 2.11%
Place Specialization
Sound
8
Minneapolis, MN-WIMSA
Volume: 19Mix: 1.82%
Place Specialization
Sound
9
Colorado Springs, CO, COMSA
Volume: 15Mix: 1.44%
Place Specialization
Sound
10
Washington, DC, DC-MDMSA
Volume: 14Mix: 1.34%
Place Specialization
Sound
Showing 10 of 16 metro areas
Top States by Place Specialization Score
1
KSState
Volume: 81Mix: 7.75%
Place Specialization
Strong
2
VAState
Volume: 106Mix: 10.14%
Place Specialization
Strong
3
MOState
Volume: 92Mix: 8.80%
Place Specialization
Strong
4
TXState
Volume: 90Mix: 8.61%
Place Specialization
Sound
5
AZState
Volume: 52Mix: 4.98%
Place Specialization
Sound
6
ALState
Volume: 34Mix: 3.25%
Place Specialization
Sound
7
WAState
Volume: 32Mix: 3.06%
Place Specialization
Sound
8
MDState
Volume: 33Mix: 3.16%
Place Specialization
Sound
9
GAState
Volume: 38Mix: 3.64%
Place Specialization
Sound
10
FLState
Volume: 57Mix: 5.45%
Place Specialization
Sound
Showing 10 of 29 states
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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