Applications / Mortgage Analytics / Lenders / Missouri / North American Savings Bank
Grandview, MO · Savings institution · OCC · $3.0 billion assets · 644 loans in 2025
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644
loans originated, 2025
980
applications, 2025
49
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
North American Savings Bank is a Missouri savings bank lending in 49 states, mostly for home purchases and with a large VA share, and its 644 loans in 2025 were far below the 16,415 it made in 2021.
VA loans (guaranteed by the Department of Veterans Affairs) were 22.7% of its lending and FHA loans (insured by the Federal Housing Administration) 5.0%; at similar lenders (savings institutions making between half and twice as many loans) the typical share of each was 0.0%. Purchases made up 83.1% of its loans; its typical loan was $355,000 against $215,000 at peers.
It lent in 49 states and 177 metros. In Kansas City, its largest market, it ranked 135 of 659 lenders with 0.1%, down 0.1 points; its highest place was Anchorage, 35 of 168.
Originations fell 14% while similar lenders grew 8% and the whole market 10%, a bigger fall than nearly all peers. The count was 16,415 in 2021, then 1,076 by 2023. Its 2020 typical rate was 2.88%, so the peak may reflect that period's low rates and the fall their end, or a choice to lend less.
Majority-minority areas took 22.4% of its loans, against 5.8% at peers, more than about four in five of them. LMI (low- and moderate-income) borrowers took 20.9%, up from 12.8% in 2024 but below the 25.0% at peers; its larger typical loan is one possible reason.
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Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. North American Savings Bank took 980 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 83.1% · Refinance 13.8% · Other 2.8% · Home improvement 0.3%
Conventional 72.4% · VA 22.7% · FHA 5.0% · of 644 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Missouri | 70 | 10.9% |
| Virginia | 59 | 9.2% |
| Florida | 46 | 7.1% |
| Texas | 42 | 6.5% |
| Alaska | 37 | 5.7% |
| California | 31 | 4.8% |
| North Carolina | 31 | 4.8% |
| Arizona | 21 | 3.3% |
| Georgia | 20 | 3.1% |
| Michigan | 20 | 3.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Kansas City | 71 |
| Virginia Beach-Chesapeake-Norfolk | 38 |
| Anchorage | 35 |
| Houston-Pasadena-The Woodlands | 14 |
| Dallas-Plano-Irving | 12 |
| Phoenix-Mesa-Chandler | 12 |
| Charlotte-Concord-Gastonia | 10 |
| Arlington-Alexandria-Reston | 9 |
| Warren-Troy-Farmington Hills | 9 |
| Atlanta-Sandy Springs-Roswell | 8 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300K6K2IS7FRS7S09 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 211271 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 43927 | 1990–2010 |
| Respondent ID (the HMDA filer code before 2018) | 1703927 | 2011–2017 |
Established 1 January 1923. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: North American Savings Bank's data.
North American Savings Bank's data
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North American Savings Bank and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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