Access Bank has 371 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Strong
4/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA
Place
Strong
4/5
Multi-Region · 2 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
Conventional
Superstar
FHA
Superstar
VA
Superstar
Purchase
Superstar
Summary
What They Do Well
- Competitive pricing compared to the market
- Lower than average lender fees
- Strong pull through performance
- Particularly strong in FHA and VA loans
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Report Card
Access Bank performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
+14.5 bps above market avg
4/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
257 loans · 0.17% above market
Sound
Top 60% of lenders
3/5
FHA
65 loans · 0.55% above market
Strong
Top 40% of lenders
4/5
VA
47 loans · 0.44% below market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
343 loans · 0.14% above market
Strong
Top 40% of lenders
4/5
Refinance
28 loans · 0.17% above market
Sound
Top 60% of lenders
3/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 3 markets
Sound
Top 60% of lenders
3/5
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 257 | 69.3% | +0.168%Above | $1,445Fees | ||||
FHA Loans | 65 | 17.5% | +0.546%Above | $1,719Fees | ||||
VA Loans | 47 | 12.7% | -0.437%Below | $1,265Fees |
Conventional
OverallStrong
ProductSound
PricingStrong
Pull ThroughStrong
Volume257
Mix69.3%
Spread
+0.168%Above
Fees
$1,445Fees
FHA Loans
OverallStrong
ProductStrong
PricingStrong
Pull ThroughExceptional
Volume65
Mix17.5%
Spread
+0.546%Above
Fees
$1,719Fees
VA Loans
OverallStrong
ProductStrong
PricingStrong
Pull ThroughExceptional
Volume47
Mix12.7%
Spread
-0.437%Below
Fees
$1,265Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 343 | 92.5% | +0.143%Above | $1,409Fees | ||||
Refinance | 28 | 7.5% | +0.170%Above | $2,193Fees |
Purchase
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume343
Mix92.5%
Spread
+0.143%Above
Fees
$1,409Fees
Refinance
OverallSound
ProductSound
PricingSound
Pull ThroughStrong
Volume28
Mix7.5%
Spread
+0.170%Above
Fees
$2,193Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
371
Applications
439
Volume
$109 million
Pricing & Closing
Avg Rate Spread
+0.145%
vs. market APOR
Avg Net Fees
$1,471
Origination − Credits
Pullthrough Rate
84.5%
Applications → Closed
Typical Borrower
Avg Loan Amount
$296,348
Avg Borrower Income
$149,741
Avg Property Value
$355,081
Geographic Coverage
Geographic Performance
Metro Areas
2
markets with activity
States Served
13
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
13Full-year 2024 · HMDALoans originated
< 5050+None
Northeast3
NJNYPA
Midwest4
IAMNMONE
South5
ARFLNCTXVA
West1
AZ
How We Rank Lenders
Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.
Our Point System (Max 50 Points)
10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion(80%+ = 40-50 points)
Superstar(60-79% = 30-39 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.