Looking for a different lender?
N
North American Savings Bank, F.S.B.
Bank|Grandview, MO|National
Loans Originated
558
Applications
836
Volume
$249 million
Offers loans directly to consumers
Overall Pricing
Sound
Overall Pull Through
Acceptable
Safe Rate Awards⭐VA Superstar
Pricing and Pullthrough Overview
Average Rate Spread
+0.302%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$2,514
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
66.7%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Nationwide availability with consistent service
Things to Think About
- Pull through efficiency is below industry average
Report Card
North American Savings Bank, F.S.B. performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Sound | Industry Standard | |
Pull Through Closing Strength | Acceptable | Near industry average | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Sound | Industry Standard | |
FHA | Sound | Industry Standard | |
VA | Strong | Highly Competitive | |
Jumbo | Sound | Industry Standard | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Sound | Industry Standard | |
Refinance | Sound | Industry Standard | |
Places Geographic coverage | Sound | National · 5 metro areas · 47 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$446,380
Average Borrower Income
$233,968
Average Property Value
$572,975
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Acceptable | Sound | Mediocre | Acceptable | 317 | 56.8% | +0.852% | $3,495 |
FHA Loans | Sound | Sound | Strong | Sound | 37 | 6.6% | +0.303% | $2,091 |
VA Loans | Strong | Strong | Exceptional | Strong | 176 | 31.5% | -0.606% | $988 |
Jumbo Loans | Acceptable | Sound | N/A | Acceptable | 28 | 5.0% | +2.089% | $8,747 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Sound | Sound | Sound | 483 | 86.6% | +0.337% | $2,429 |
Refinance | Sound | Sound | Sound | Acceptable | 75 | 13.4% | +0.175% | $2,822 |
Geographic Coverage
Metro Areas
4
States Served
47
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
AKALARAZCACOCTDEFLGAHIIAIDILINKSKYLAMAMDMEMIMNMOMSMTNCNHNJNMNVNYOHOKORPARISCTNTXUTVAVTWAWIWVWY
Top Metro Areas by Place Specialization Score
1
Kansas City, MO, MO-KSMSA
Volume: 64Mix: 11.47%
Place Specialization
Strong
2
Virginia Beach, VA-NCMSA
Volume: 49Mix: 8.78%
Place Specialization
Strong
3
Anchorage, AK, AKMSA
Volume: 28Mix: 5.02%
Place Specialization
Sound
4
Las Vegas, NVMSA
Volume: 10Mix: 1.79%
Place Specialization
Sound
Top States by Place Specialization Score
1
MOState
Volume: 68Mix: 12.19%
Place Specialization
Sound
2
VAState
Volume: 55Mix: 9.86%
Place Specialization
Sound
3
AKState
Volume: 28Mix: 5.02%
Place Specialization
Sound
4
KSState
Volume: 21Mix: 3.76%
Place Specialization
Sound
5
FLState
Volume: 41Mix: 7.35%
Place Specialization
Sound
6
NCState
Volume: 28Mix: 5.02%
Place Specialization
Sound
7
GAState
Volume: 24Mix: 4.30%
Place Specialization
Sound
8
TXState
Volume: 34Mix: 6.09%
Place Specialization
Sound
9
TNState
Volume: 17Mix: 3.05%
Place Specialization
Sound
10
CAState
Volume: 20Mix: 3.58%
Place Specialization
Sound
Showing 10 of 18 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.
Ready to Get Started?
Compare North American Savings Bank, F.S.B. with other lenders or get personalized recommendations.