Academy Bank in Kansas vs the state
7.8%Denial rate-7.25 pts vs state
9.5%Decision denial rate-8.82 pts vs state
74.4%Origination rate+10.62 pts vs state
6.69%Median rate+0.06 pts vs state
0.20Rate spread (pts)-0.10 pts vs state
$163kMedian applicant income
134Loans originated
14Denied
Trend in Kansas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 129 | 81 | 4.7% | 6.88% | #113 |
| 2024 | 182 | 125 | 6.0% | 6.75% | #99 |
| 2025 | 180 | 134 | 7.8% | 6.69% | #109 |
What Academy Bank lends in Kansas
By loan purpose
By loan type
Why it denied Kansas applicants
Where in Kansas
Counties with the most Academy Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Johnson County | 156 | 119 | 10 | 6.4% |
| Wyandotte County | 12 | 6 | 3 | 25.0% |
| Miami County | 4 | 3 | 0 | 0.0% |
| Leavenworth County | 4 | 3 | 0 | 0.0% |
| Douglas County | 2 | 2 | 0 | 0.0% |
| Linn County | 1 | 0 | 1 | 100.0% |
| Riley County | 1 | 1 | 0 | 0.0% |
Other large lenders in Kansas
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 5,303 | 18.0% | 6.63% |
| Communityamerica Credit Union | B | 3,575 | 12.4% | 6.38% |
| United Shore Financial Services | B | 2,545 | 11.4% | 6.38% |
| Mortgage Research Center | C | 2,389 | 15.1% | 6.25% |
| Fairway Independent Mortgage | B | 2,360 | 2.0% | 6.63% |
| Pennymac Loan Services | C | 2,103 | 10.8% | 6.49% |
| Credit Union of America | C | 1,940 | 22.9% | 7.75% |
| Capitol Federal Savings Bank | B | 1,873 | 12.6% | 6.75% |
| Guild Mortgage | A | 1,549 | 3.6% | 6.63% |
| U.S. Bank | D | 1,534 | 31.4% | 7.28% |
Frequently asked questions
Kansas: 180 applications in 2025, of which 134 were originated and 14 denied.
7.8% of all applications, or 9.5% of the applications it actually decided on. The Kansas statewide average across all lenders was 15.0%.
The median rate on loans Academy Bank originated in Kansas in 2025 was 6.69%, against a statewide median of 6.63%.
About this data. Figures are Academy Bank's own HMDA filing for properties located in Kansas, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology