Academy Bank, National Association
Academy Bank, National Association received 533 applications in 2025 and made 391 mortgages, in 131 counties across 37 states. The median rate its borrowers got was 6.625% on a median loan of $405,000. Of 426 decisions, 34 were denials — 8.0%, most often for credit application incomplete. 1 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 549300LP0CV2MNC1GV68 |
|---|---|
| Applications received | 533 |
| Mortgages made | 391 |
| Denied | 34 |
| Approved, not taken up | 1 |
| Withdrawn or incomplete | 107 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.195 points |
| FDIC-insured bank | Yes: Academy Bank, National Association, 80 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 310 | 6.750% | $395,000 | 6.3% |
| Refinancing | 49 | 6.125% | $475,000 | 5.7% |
| Cash-out refinancing | 26 | 6.688% | $320,000 | 7.1% |
| Other purposes | 6 | Under 10 loans | Under 10 loans | 57.1% |
Where Academy Bank, National Association lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Johnson County, KS | 119 | 6.750% | 7.8% |
| Jackson County, MO | 43 | 6.625% | 14.0% |
| Maricopa County, AZ | 20 | 6.750% | 4.8% |
| Camden County, GA | 16 | 6.250% | 0.0% |
| Clay County, MO | 12 | 6.563% | 7.7% |
| Platte County, MO | 9 | Under 10 loans | 0.0% |
| El Paso County, CO | 8 | Under 10 loans | 0.0% |
| Wyandotte County, KS | 6 | Under 10 loans | 33.3% |
| Adams County, CO | 5 | Under 10 loans | 0.0% |
| Boulder County, CO | 5 | Under 10 loans | 0.0% |
| Cass County, MO | 5 | Under 10 loans | 0.0% |
| Weld County, CO | 4 | Under 10 loans | 0.0% |
| Buchanan County, MO | 4 | Under 10 loans | 0.0% |
| Douglas County, NE | 4 | Under 10 loans | 0.0% |
| Bernalillo County, NM | 4 | Under 10 loans | 0.0% |
| Denver County, CO | 3 | Under 10 loans | 0.0% |
| Douglas County, CO | 3 | Under 10 loans | 0.0% |
| Jefferson County, CO | 3 | Under 10 loans | 0.0% |
| Larimer County, CO | 3 | Under 10 loans | 0.0% |
| Duval County, FL | 3 | Under 10 loans | 0.0% |
| Leavenworth County, KS | 3 | Under 10 loans | 0.0% |
| Miami County, KS | 3 | Under 10 loans | 0.0% |
| Chesapeake city, VA | 3 | Under 10 loans | 0.0% |
| Pierce County, WA | 3 | Under 10 loans | 0.0% |
| Gila County, AZ | 2 | Under 10 loans | 0.0% |
| Cook County, IL | 2 | Under 10 loans | 50.0% |
| Douglas County, KS | 2 | Under 10 loans | 0.0% |
| Dakota County, MN | 2 | Under 10 loans | 0.0% |
| Boone County, MO | 2 | Under 10 loans | 0.0% |
| Camden County, MO | 2 | Under 10 loans | 0.0% |
| Greene County, MO | 2 | Under 10 loans | 0.0% |
| Ray County, MO | 2 | Under 10 loans | 0.0% |
| Burlington County, NJ | 2 | Under 10 loans | 0.0% |
| Berkeley County, SC | 2 | Under 10 loans | 0.0% |
| Davidson County, TN | 2 | Under 10 loans | 0.0% |
| Wilson County, TN | 2 | Under 10 loans | 0.0% |
| Salt Lake County, UT | 2 | Under 10 loans | 0.0% |
| Wasatch County, UT | 2 | Under 10 loans | 0.0% |
| Kitsap County, WA | 2 | Under 10 loans | 0.0% |
| Baldwin County, AL | 1 | Under 10 loans | 0.0% |
| Yavapai County, AZ | 1 | Under 10 loans | 0.0% |
| Yuma County, AZ | 1 | Under 10 loans | 0.0% |
| Johnson County, AR | 1 | Under 10 loans | 0.0% |
| Riverside County, CA | 1 | Under 10 loans | 0.0% |
| Sacramento County, CA | 1 | Under 10 loans | 0.0% |
| Broomfield County, CO | 1 | Under 10 loans | 0.0% |
| Delta County, CO | 1 | Under 10 loans | 0.0% |
| Garfield County, CO | 1 | Under 10 loans | 0.0% |
| Mesa County, CO | 1 | Under 10 loans | 0.0% |
| Pueblo County, CO | 1 | Under 10 loans | 0.0% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.