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, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

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 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.