Mortgage Access
We analyzed every closed loan from Mortgage Access — 1.3k loans across 2k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Acceptable
2/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA · Jumbo
Place
Sound
3/5
Near-National · 24 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
VA
Superstar
Summary
What They Do Well
- Particularly strong in Conventional and FHA and VA loans
- Nationwide availability with consistent service
Things to Think About
- Pricing may be below industry average
Explore another lender or local market
Report Card
Mortgage Access performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+34.3 bps above market avg
2/5
Pull Through
Closing strength
Sound
Top 60% of lenders
3/5
By Loan Product· Specialization by type
Conventional
1,102 loans · 0.40% above market
Strong
Top 40% of lenders
4/5
FHA
106 loans · 0.39% above market
Strong
Top 40% of lenders
4/5
VA
103 loans · 0.46% below market
Strong
Top 40% of lenders
4/5
Jumbo
27 loans · 0.16% above market
Sound
Top 60% of lenders
3/5
By Loan Purpose· Transaction purpose mix
Purchase
1,304 loans · 0.35% above market
Strong
Top 40% of lenders
4/5
Refinance
35 loans · 0.17% above market
Acceptable
Bottom 40% of lenders
2/5
By Location· Geographic coverage
Geographic Reach
Near-National · 25 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 | 1,102 | 82.3% | +0.401%Above | $3,496Fees | ||||
FHA Loans | 106 | 7.9% | +0.385%Above | $3,320Fees | ||||
VA Loans | 103 | 7.7% | -0.460%Below | $1,262Fees | ||||
Jumbo Loans | — | 27 | 2.0% | +0.162%Above | $3,105Fees |
Conventional
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughSound
Volume1,102
Mix82.3%
Spread
+0.401%Above
Fees
$3,496Fees
FHA Loans
OverallSound
ProductStrong
PricingSound
Pull ThroughSound
Volume106
Mix7.9%
Spread
+0.385%Above
Fees
$3,320Fees
VA Loans
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume103
Mix7.7%
Spread
-0.460%Below
Fees
$1,262Fees
Jumbo Loans
OverallAcceptable
ProductSound
Pricing—
Pull ThroughMediocre
Volume27
Mix2.0%
Spread
+0.162%Above
Fees
$3,105Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 1,304 | 97.4% | +0.349%Above | $3,360Fees | ||||
Refinance | 35 | 2.6% | +0.171%Above | $2,621Fees |
Purchase
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughSound
Volume1,304
Mix97.4%
Spread
+0.349%Above
Fees
$3,360Fees
Refinance
OverallAcceptable
ProductAcceptable
PricingAcceptable
Pull ThroughAcceptable
Volume35
Mix2.6%
Spread
+0.171%Above
Fees
$2,621Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
1,339
Applications
1,986
Volume
$538 million
Pricing & Closing
Avg Rate Spread
+0.343%
vs. market APOR
Avg Net Fees
$3,338
Origination − Credits
Pullthrough Rate
67.4%
Applications → Closed
Typical Borrower
Avg Loan Amount
$402,117
Avg Borrower Income
$168,872
Avg Property Value
$533,372
Geographic Coverage
Geographic Performance
Metro Areas
24
markets with activity
States Served
39
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
39Full-year 2024 · HMDALoans originated
< 1010–2020–5050+None
Northeast6
CTMEMANJNYPA
Midwest9
IAILINKSMIMNNDOHWI
South17
ALARDCDEFLGAKYLAMDMSNCOKSCTNTXVAWV
West7
AKCACOIDNMORWA
Top Metro Areas by Place Specialization Score
Showing 10 of 24 metro areas
Top States by Place Specialization Score
Showing 10 of 27 states
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.