Armed Forces Bank, N.A.: 2025 mortgage rates, costs & approvals
How Armed Forces Bank, N.A. priced and approved home loans in 2025, measured against every lender in the official HMDA records.
HMDA legal name: Armed Forces Bank, National Association · LEI 5493007CLWQN2S6IZK91
In 2025, Armed Forces Bank, N.A. originated 1,279 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 51 states — 378th by volume among the 2,017 lenders profiled here.
On conventional 30-year fixed purchase loans its median rate was 6.375% (all lenders: 6.625%); its median rate spread was in line with the national median. Median conventional loan costs were $4,400, 21% lower than the national median ($5,570).
It denied 9.1% of completed home-purchase applications (all lenders: 8.5%).
How Armed Forces Bank, N.A. priced home-purchase loans
| Purchase loans, 2025 | Armed Forces Bank, N.A. | All lenders |
|---|---|---|
| 30-year fixed rate · conventional | 6.375% | 6.625% |
| 30-year fixed rate · FHA | — | 6.250% |
| 30-year fixed rate · VA | 5.750% | 6.125% |
| 15-year fixed rate · conventional | — | 5.875% |
| Rate spread vs. APOR · conventional | +0.16 pts | +0.13 pts |
| Total loan costs · conventional | $4,400 | $5,570 |
| Total loan costs · FHA | $9,300 | $11,310 |
| Total loan costs · VA | $8,320 | $6,490 |
| Origination charges (all types) | $370 | $1,860 |
| Borrowers paying discount points | 35.0% | 51.3% |
| Points paid, when paid (% of loan) | 0.62% | 0.87% |
| Borrowers receiving lender credits | 14.4% | 33.1% |
Medians shown with at least 20 loans. A lender's numbers reflect its borrowers (credit, down payment, loan size, location) as well as its pricing; HMDA has no credit scores. Rate spread = APR minus the average prime offer rate on the lock date, which removes most of the effect of when the rate was locked.
Loan mix and borrowers
By loan type
By purpose
Why Armed Forces Bank, N.A. denied purchase applications
First reason the lender reported for each denied home-purchase application.
Where Armed Forces Bank, N.A. lends
| State | Loans | Applications | Purchase denial rate | 30-yr rate* | Loan costs* |
|---|---|---|---|---|---|
| Virginia | 124 | 139 | 5.6% | — | $4,400 |
| Texas | 110 | 140 | 10.4% | — | — |
| Kansas | 86 | 91 | 5.0% | — | $2,730 |
| Missouri | 66 | 81 | 10.5% | — | $2,970 |
| North Carolina | 66 | 76 | 6.7% | — | — |
| Florida | 60 | 78 | 17.9% | — | — |
| Arizona | 53 | 59 | 8.3% | — | $5,060 |
| Georgia | 51 | 65 | 14.3% | — | — |
| California | 45 | 56 | 9.4% | — | — |
| Washington | 44 | 48 | 0.0% | — | — |
| Maryland | 44 | 46 | 3.1% | — | — |
| Minnesota | 39 | 41 | 3.0% | — | — |
| Alabama | 34 | 41 | 13.3% | — | — |
| Colorado | 32 | 37 | 0.0% | — | — |
| Ohio | 26 | 28 | 5.0% | — | — |
| Tennessee | 25 | 28 | 5.0% | — | — |
| Nevada | 25 | 27 | — | — | — |
| Illinois | 24 | 30 | 19.1% | — | — |
| New Jersey | 21 | 27 | 20.0% | — | — |
| New York | 21 | 24 | — | — | — |
| South Carolina | 21 | 24 | — | — | — |
| Alaska | 21 | 23 | — | — | — |
| Arkansas | 21 | 23 | — | — | — |
| Oklahoma | 16 | 17 | — | — | — |
| Pennsylvania | 15 | 20 | — | — | — |
| Kentucky | 15 | 18 | — | — | — |
| Michigan | 15 | 17 | — | — | — |
| Indiana | 14 | 17 | — | — | — |
| New Mexico | 13 | 16 | — | — | — |
| Massachusetts | 11 | 16 | — | — | — |
| Utah | 11 | 15 | — | — | — |
| Mississippi | 11 | 13 | — | — | — |
| Wisconsin | 11 | 13 | — | — | — |
| Oregon | 10 | 13 | — | — | — |
| Nebraska | 10 | 12 | — | — | — |
| New Hampshire | 10 | 12 | — | — | — |
| Connecticut | 9 | 11 | — | — | — |
| Idaho | 6 | 7 | — | — | — |
| Louisiana | 6 | 7 | — | — | — |
| Rhode Island | 6 | 6 | — | — | — |
| Wyoming | 6 | 6 | — | — | — |
| Iowa | 4 | 6 | — | — | — |
| Maine | 4 | 5 | — | — | — |
| West Virginia | 3 | 7 | — | — | — |
| Hawaii | 3 | 4 | — | — | — |
| Montana | 3 | 4 | — | — | — |
| Delaware | 3 | 3 | — | — | — |
| North Dakota | 2 | 2 | — | — | — |
| Vermont | 2 | 2 | — | — | — |
| South Dakota | 1 | 1 | — | — | — |
| District of Columbia | 0 | 1 | — | — | — |
*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open Armed Forces Bank, N.A.'s page for that state.
Counties where Armed Forces Bank, N.A. is a top lender
| County | Rank | Loans | Market share |
|---|---|---|---|
| Chattahoochee County, GA | 6 | 1 | 5.0% |
| Phillips County, KS | 8 | 1 | 3.6% |
| Gray County, KS | 15 | 1 | 2.4% |
| Geary County, KS | 13 | 13 | 2.0% |
| Ketchikan Gateway Borough, AK | 15 | 2 | 2.0% |
| Chugach Census Area, AK | 16 | 1 | 1.6% |
| Howard County, NE | 19 | 1 | 1.4% |
| Hamilton County, TX | 25 | 1 | 1.3% |
| Leavenworth County, KS | 20 | 18 | 1.2% |
| Trinity County, CA | 19 | 1 | 1.2% |
| Screven County, GA | 20 | 1 | 1.2% |
| Kodiak Island Borough, AK | 18 | 1 | 1.0% |
| Phelps County, NE | 22 | 1 | 1.0% |
| Southeast Fairbanks Census Area, AK | 21 | 1 | 1.0% |
| Daviess County, MO | 20 | 1 | 0.9% |
Check Armed Forces Bank, N.A. yourself
- FFIEC HMDA Data Browser — the official 2025 records filed under LEI 5493007CLWQN2S6IZK91.
- NMLS Consumer Access — confirm the company and loan officer are licensed in your state.
- CFPB Consumer Complaint Database — search complaints by company name.
- Compare your Loan Estimate from Armed Forces Bank, N.A. with similar 2025 loans.
This is a statistical profile, not a review or recommendation. HMDA data alone cannot show whether a lender complies with fair-lending laws, and a lender's medians depend on the borrowers it serves.
Lenders of similar size
Source: FFIEC/CFPB HMDA 2025 public LAR and filer list. Core segment: owner-occupied, single-family site-built, first-lien, closed-end purchase and refinance loans. Methodology