Applications / Mortgage Analytics / Lenders / Missouri / Academy Bank
Kansas City, MO · National bank · OCC · $3.3 billion assets · 391 loans in 2025
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391
loans originated, 2025
534
applications, 2025
34
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Academy Bank makes big, often government-backed home-purchase loans across 34 states, an unusual mix for a national bank of its size.
FHA loans (insured by the Federal Housing Administration) made up 10.2% of its lending and VA loans (guaranteed by the Department of Veterans Affairs) 11.5%. The typical similar lender (a national bank making between half and twice as many loans) made none, and its VA share was higher than almost all of them. Five years earlier the shares were 3.5% and 9.1%.
Its typical loan was $405,000, more than double peers' $190,000, and up from $245,000 five years earlier. Jumbo loans (larger than the conforming limit) were 13.1% of its lending, against 2.1%. Purchases made up 79.3% of its loans.
Low- and moderate-income (LMI) borrowers took 14.8% of its loans, against 26.4% at peers, among the lowest tenth, and down from 21.4% five years earlier. Its larger loans, which suit borrowers with higher incomes, are one possible reason. Its share in majority-minority neighborhoods, 7.4%, was near the middle.
In Kansas City, KS-MO, where it has lent since at least 1990, its share rose from 0.5% to 0.7% and it ranks 35 of 659 lenders; CommunityAmerica Federal Credit Union leads. Its loans rose 11% in 2025, against 5% at peers, but remain far below the 1,551 of 2020.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Academy Bank took 534 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 79.3% · Refinance 19.2% · Other 1.3% · Home improvement 0.3%
Conventional 78.3% · VA 11.5% · FHA 10.2% · of 391 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 |
|---|---|---|
| Kansas | 134 | 34.3% |
| Missouri | 88 | 22.5% |
| Colorado | 39 | 10.0% |
| Arizona | 24 | 6.1% |
| Georgia | 20 | 5.1% |
| Texas | 10 | 2.6% |
| Tennessee | 6 | 1.5% |
| Virginia | 6 | 1.5% |
| Washington | 6 | 1.5% |
| Florida | 5 | 1.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Kansas City | 203 |
| Phoenix-Mesa-Chandler | 20 |
| Denver-Aurora-Centennial | 15 |
| Colorado Springs | 8 |
| Boulder | 5 |
| Albuquerque | 4 |
| Dallas-Plano-Irving | 4 |
| Greeley | 4 |
| Minneapolis-St. Paul-Bloomington | 4 |
| Nashville-Davidson--Murfreesboro--Franklin | 4 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300LP0CV2MNC1GV68 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 535753 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 115592 | 1990–2017 |
Established 15 June 1966. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Academy Bank's data.
Academy Bank's data
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