Academy Bank, National Association mortgage approval rate & lending review
Academy Bank, National Association decided 862 mortgage applications and funded 807 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Academy Bank, National Association reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Academy Bank, National Association at a glance
Approval is 8.6 points above the 85.3% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 95% | 620 / 654 | 100% | $425K | 619 |
| Cash-out refinance | 84% | 46 / 55 | 100% | $385K | 46 |
| Refinance | 88% | 60 / 68 | 98% | $415K | 59 |
| Investment property purchase | 97% | 71 / 73 | 100% | $255K | 71 |
Academy Bank, National Association lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Kansas | 93% | $425K | 327 | 305 |
| Missouri | 92% | $305K | 188 | 172 |
| Arizona | 97% | $455K | 64 | 62 |
| Colorado | 96% | $585K | 53 | 51 |
| Minnesota | 96% | $325K | 27 | 26 |
| Florida | 90% | $325K | 20 | 18 |
| Texas | 95% | $445K | 20 | 19 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Academy Bank, National Association lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Johnson County, KS | Mortgage lenders | 96% | 224 | 215 |
| Jackson County, MO | Mortgage lenders | 89% | 97 | 86 |
| Johnson County, KS | Refinance | 90% | 29 | 26 |
| Johnson County, KS | Cash-out refinance | 82% | 22 | 18 |
The county markets where Academy Bank, National Association made the most loans. Each link opens that market with every lender ranked.
Questions about Academy Bank, National Association
What is Academy Bank, National Association's mortgage approval rate?
Academy Bank, National Association approved 93.9% of the 862 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 8.6 points above the 85.3% national rate for the same mix of loan types.
How often do borrowers take the loan Academy Bank, National Association offers?
Borrowers accepted 100% of the loans Academy Bank, National Association approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Academy Bank, National Association make?
The typical home purchase mortgage loan Academy Bank, National Association made was $425K; across all loan types its typical loan ran from $255K to $425K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Academy Bank, National Association lend?
Academy Bank, National Association decided applications in 38 of the states Fat Boy Data covers, most of them in Kansas, Missouri and Arizona.
Can I apply to Academy Bank, National Association directly?
Yes. Academy Bank, National Association is a bank or credit union with 80 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Academy Bank, National Association's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Academy Bank, National Association treats applications, then get a rate quote from the lender.