What loan types does Home Access Financial offer?

Home Access Financial offers the following mortgage loan types: FHA, Conventional. Each product has its own pricing score and performance metrics.

Where does Home Access Financial offer mortgages?

Home Access Financial offers mortgages in 6 states: FL, GA, NC, SC, TN, TX.

How competitive are Home Access Financial's mortgage rates?

Home Access Financial has an overall pricing score of 17.1/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Home Access Financial?

Home Access Financial is a Independent Mortgage Company headquartered in TAMPA, FL.

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Home Access Financial

Independent Mortgage Company•Tampa, FLHQ•Direct•Reviews near you on Google

Home Access Financial has 129 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

Mediocre

1/5

vs. all lenders

Pull-through

Acceptable

2/5

closing strength

Product

Sound

3/5

FHA · Conventional

Place

Sound

3/5

Multi-Region · 2 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Summary

Things to Think About

Rates typically 63 basis points above market average
Higher than average fees ($4,134)
Pull through efficiency is below industry average

Explore another lender or local market

Report Card

Home Access Financial performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Mediocre

+63.1 bps above market avg

1/5

Pull Through

Closing strength

Acceptable

Bottom 40% of lenders

2/5

By Loan Product· Specialization by type

Conventional

77 loans · 0.50% above market

Acceptable

Bottom 40% of lenders

2/5

FHA

52 loans · 0.81% above market

Sound

Top 60% of lenders

3/5

By Loan Purpose· Transaction purpose mix

Purchase

122 loans · 0.63% above market

Acceptable

Bottom 40% of lenders

2/5

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	Acceptable	Acceptable	Mediocre	Acceptable	77	59.7%	+0.501%Above	$3,911Fees
FHA Loans	Sound	Sound	Mediocre	Sound	52	40.3%	+0.806%Above	$4,436Fees

Conventional

Overall

Acceptable

Product

Acceptable

Pricing

Mediocre

Pull Through

Acceptable

Volume77

Mix59.7%

Spread

+0.501%Above

Fees

$3,911Fees

FHA Loans

Overall

Sound

Product

Sound

Pricing

Mediocre

Pull Through

Sound

Volume52

Mix40.3%

Spread

+0.806%Above

Fees

$4,436Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Acceptable	Acceptable	Mediocre	Acceptable	122	94.6%	+0.632%Above	$4,101Fees

Purchase

Overall

Acceptable

Product

Acceptable

Pricing

Mediocre

Pull Through

Acceptable

Volume122

Mix94.6%

Spread

+0.632%Above

Fees

$4,101Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

129

Applications

209

Volume

$40 million

Pricing & Closing

Avg Rate Spread

+0.631%

vs. market APOR

Avg Net Fees

$4,134

Origination − Credits

Pullthrough Rate

61.7%

Applications → Closed

Typical Borrower

Avg Loan Amount

$311,744

Avg Borrower Income

$128,357

Avg Property Value

$373,837

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Sound

3/5

States with Loan Originations

6Full-year 2024 · HMDA

Loans originated

< 1010–2020+None

South6

FLGANCSCTNTX

Top Metro Areas by Place Specialization Score

Tampa, FLMetro

Volume 52Mix 40.31% of portfolio

66/100

Strong

St. Petersburg, FLMetro

Volume 13Mix 10.08% of portfolio

51/100

Sound

Top States by Place Specialization Score

FloridaState

Volume 87Mix 67.44% of portfolio

62/100

Strong

GeorgiaState

Volume 17Mix 13.18% of portfolio

47/100

Sound

South CarolinaState

Volume 10Mix 7.75% of portfolio

42/100

Sound

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.