North American Savings Bank, F.S.B. mortgage approval rate & lending review
North American Savings Bank, F.S.B. decided 2,366 mortgage applications and funded 1,942 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions North American Savings Bank, F.S.B. reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
North American Savings Bank, F.S.B. at a glance
Approval is 1.3 points below the 84.6% 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 | 88% | 1,374 / 1,560 | 99% | $385K | 1,358 |
| Cash-out refinance | 60% | 140 / 233 | 98% | $275K | 137 |
| Refinance | 65% | 87 / 133 | 95% | $395K | 83 |
| Investment property purchase | 90% | 331 / 368 | 98% | $235K | 326 |
| Investment cash-out refinance | 63% | 17 / 27 | 100% | $235K | 17 |
| Investment refinance | 45% | 17 / 38 | 88% | $265K | 15 |
North American Savings Bank, F.S.B. lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Florida | 82% | $375K | 271 | 219 |
| Missouri | 83% | $305K | 258 | 213 |
| Texas | 81% | $395K | 222 | 174 |
| Virginia | 96% | $335K | 113 | 107 |
| Alaska | 95% | $425K | 112 | 105 |
| North Carolina | 85% | $355K | 110 | 91 |
| California | 83% | $715K | 107 | 89 |
| Georgia | 72% | $365K | 106 | 73 |
| Kansas | 91% | $445K | 87 | 79 |
| Arizona | 88% | $455K | 67 | 58 |
| South Carolina | 89% | $355K | 66 | 59 |
| New Jersey | 75% | $485K | 60 | 44 |
| Ohio | 75% | $325K | 60 | 44 |
| Massachusetts | 81% | $465K | 47 | 36 |
| Alabama | 91% | $435K | 44 | 39 |
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 North American Savings Bank, F.S.B. lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Jackson County, MO | Mortgage lenders | 88% | 100 | 88 |
| Matanuska-Susitna Borough, AK | Mortgage lenders | 94% | 36 | 34 |
| Newport News city, VA | Mortgage lenders | 96% | 26 | 25 |
| Hampton city, VA | Mortgage lenders | 100% | 24 | 24 |
| Jackson County, MO | Cash-out refinance | 68% | 28 | 19 |
The county markets where North American Savings Bank, F.S.B. made the most loans. Each link opens that market with every lender ranked.
Questions about North American Savings Bank, F.S.B.
What is North American Savings Bank, F.S.B.'s mortgage approval rate?
North American Savings Bank, F.S.B. approved 83.3% of the 2,366 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 1.3 points below the 84.6% national rate for the same mix of loan types.
How often do borrowers take the loan North American Savings Bank, F.S.B. offers?
Borrowers accepted 98% of the loans North American Savings Bank, F.S.B. 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 North American Savings Bank, F.S.B. make?
The typical home purchase mortgage loan North American Savings Bank, F.S.B. made was $385K; across all loan types its typical loan ran from $235K to $395K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does North American Savings Bank, F.S.B. lend?
North American Savings Bank, F.S.B. decided applications in 49 of the states Fat Boy Data covers, most of them in Florida, Missouri and Texas.
Can I apply to North American Savings Bank, F.S.B. directly?
Yes. North American Savings Bank, F.S.B. is a bank or credit union with 10 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show North American Savings Bank, F.S.B.'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 North American Savings Bank, F.S.B. treats applications, then get a rate quote from the lender.