North American Savings Bank, F.S.B.
North American Savings Bank, F.S.B. received 980 applications in 2025 and made 644 mortgages, in 458 counties across 50 states. The median rate its borrowers got was 6.750% on a median loan of $355,000. Of 764 decisions, 107 were denials — 14.0%, most often for credit application incomplete.
| Legal Entity Identifier | 549300K6K2IS7FRS7S09 |
|---|---|
| Applications received | 980 |
| Mortgages made | 644 |
| Denied | 107 |
| Approved, not taken up | 13 |
| Withdrawn or incomplete | 216 |
| Loans bought from other lenders | 24 |
| Median rate spread over the prime offer rate | 0.229 points |
| FDIC-insured bank | Yes: North American Savings Bank, F.S.B., 10 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 535 | 6.750% | $355,000 | 6.9% |
| Refinancing | 30 | 5.938% | $400,000 | 37.7% |
| Cash-out refinancing | 59 | 6.500% | $405,000 | 36.2% |
| Other purposes | 20 | 7.313% | $280,000 | 39.4% |
Where North American Savings Bank, F.S.B. 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 |
|---|---|---|---|
| Jackson County, MO | 34 | 6.688% | 12.8% |
| Anchorage Municipality, AK | 22 | 6.125% | 0.0% |
| Matanuska-Susitna Borough, AK | 13 | 5.875% | 0.0% |
| Johnson County, KS | 13 | 6.490% | 0.0% |
| Maricopa County, AZ | 11 | 7.000% | 0.0% |
| Clay County, MO | 11 | 6.375% | 15.4% |
| Oakland County, MI | 8 | Under 10 loans | 0.0% |
| Hampton city, VA | 8 | Under 10 loans | 0.0% |
| Cass County, MO | 7 | Under 10 loans | 0.0% |
| Clark County, NV | 7 | Under 10 loans | 12.5% |
| York County, VA | 7 | Under 10 loans | 0.0% |
| Riverside County, CA | 6 | Under 10 loans | 0.0% |
| Hillsborough County, FL | 6 | Under 10 loans | 25.0% |
| Pinellas County, FL | 6 | Under 10 loans | 0.0% |
| Fort Bend County, TX | 6 | Under 10 loans | 20.0% |
| Newport News city, VA | 6 | Under 10 loans | 0.0% |
| Manatee County, FL | 5 | Under 10 loans | 16.7% |
| Union County, NC | 5 | Under 10 loans | 0.0% |
| Denton County, TX | 5 | Under 10 loans | 0.0% |
| Harris County, TX | 5 | Under 10 loans | 28.6% |
| San Francisco County, CA | 4 | Under 10 loans | 0.0% |
| Cook County, IL | 4 | Under 10 loans | 0.0% |
| Camden County, MO | 4 | Under 10 loans | 20.0% |
| Wake County, NC | 4 | Under 10 loans | 0.0% |
| Greenville County, SC | 4 | Under 10 loans | 0.0% |
| Gloucester County, VA | 4 | Under 10 loans | 0.0% |
| Isle of Wight County, VA | 4 | Under 10 loans | 0.0% |
| King County, WA | 4 | Under 10 loans | 20.0% |
| Baldwin County, AL | 3 | Under 10 loans | 0.0% |
| Yavapai County, AZ | 3 | Under 10 loans | 25.0% |
| Alameda County, CA | 3 | Under 10 loans | 0.0% |
| Fresno County, CA | 3 | Under 10 loans | 0.0% |
| Tulare County, CA | 3 | Under 10 loans | 0.0% |
| Brevard County, FL | 3 | Under 10 loans | 0.0% |
| Broward County, FL | 3 | Under 10 loans | 0.0% |
| St. Johns County, FL | 3 | Under 10 loans | 25.0% |
| Ada County, ID | 3 | Under 10 loans | 0.0% |
| York County, ME | 3 | Under 10 loans | 0.0% |
| Prince George's County, MD | 3 | Under 10 loans | 0.0% |
| Ramsey County, MN | 3 | Under 10 loans | 0.0% |
| Franklin County, NC | 3 | Under 10 loans | 0.0% |
| Cuyahoga County, OH | 3 | Under 10 loans | 0.0% |
| Bexar County, TX | 3 | Under 10 loans | 0.0% |
| Collin County, TX | 3 | Under 10 loans | 0.0% |
| Hidalgo County, TX | 3 | Under 10 loans | 0.0% |
| Suffolk city, VA | 3 | Under 10 loans | 25.0% |
| Madison County, AL | 2 | Under 10 loans | 0.0% |
| Shelby County, AL | 2 | Under 10 loans | 0.0% |
| Fairbanks North Star Borough, AK | 2 | Under 10 loans | 0.0% |
| Navajo County, AZ | 2 | 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.