Academy Bank in Missouri vs the state
10.1%Denial rate-4.99 pts vs state
11.9%Decision denial rate-6.82 pts vs state
74.0%Origination rate+11.29 pts vs state
6.75%Median rate+0.13 pts vs state
0.26Rate spread (pts)-0.09 pts vs state
$132kMedian applicant income
88Loans originated
12Denied
Trend in Missouri
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 79 | 47 | 13.9% | 6.88% | #266 |
| 2024 | 122 | 83 | 8.2% | 6.88% | #222 |
| 2025 | 119 | 88 | 10.1% | 6.75% | #248 |
What Academy Bank lends in Missouri
By loan purpose
By loan type
Why it denied Missouri applicants
Where in Missouri
Counties with the most Academy Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jackson County | 56 | 43 | 7 | 12.5% |
| Clay County | 16 | 12 | 1 | 6.3% |
| Platte County | 11 | 9 | 0 | 0.0% |
| Cass County | 6 | 5 | 0 | 0.0% |
| Buchanan County | 4 | 4 | 0 | 0.0% |
| Christian County | 4 | 0 | 2 | 50.0% |
| Ray County | 3 | 2 | 0 | 0.0% |
| Greene County | 3 | 2 | 0 | 0.0% |
| Camden County | 2 | 2 | 0 | 0.0% |
| St. Charles County | 2 | 1 | 0 | 0.0% |
Other large lenders in Missouri
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 10,460 | 18.4% | 6.63% |
| Flat Branch Mortgage | A | 8,999 | 0.9% | 6.63% |
| Guild Mortgage | A | 7,388 | 2.5% | 6.63% |
| U.S. Bank | D | 7,190 | 32.8% | 7.63% |
| The Central Trust Bank | C | 7,022 | 9.7% | 6.63% |
| United Shore Financial Services | B | 6,710 | 8.0% | 6.55% |
| Communityamerica Credit Union | B | 5,843 | 16.8% | 6.49% |
| Mortgage Research Center | C | 5,734 | 15.6% | 6.25% |
| Broker Solutions | D | 5,007 | 7.8% | 6.88% |
| Commerce Bank | D | 4,905 | 27.2% | 6.72% |
Frequently asked questions
Missouri: 119 applications in 2025, of which 88 were originated and 12 denied.
10.1% of all applications, or 11.9% of the applications it actually decided on. The Missouri statewide average across all lenders was 15.1%.
The median rate on loans Academy Bank originated in Missouri in 2025 was 6.75%, against a statewide median of 6.63%.
About this data. Figures are Academy Bank's own HMDA filing for properties located in Missouri, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology