# Access Bank

> **Canonical URL:** https://saferate.com/lenders/access-bank


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Access Bank is a bank, headquartered in Omaha, NE, serving borrowers across 13 states, with 371 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 33% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 25% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 5493009PLGT79KQ6HO15
- **Headquarters:** Omaha, NE
- **Geographic Reach:** Multi-Region
- **States Served:** 13
- **State List:** AR, AZ, FL, IA, MN, MO, NC, NE, NJ, NY, PA, TX, VA
- **Markets (MSAs):** 3
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 67/100
- Rating: ●●●●○ (4/5)

### Pull Through: Strong 😀
- Score: 75/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.145%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,471
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 371
- **Dollar Volume:** $110 million
- **Applications Received:** 439
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $296,348
- **Average Borrower Income:** $149,741
- **Average Property Value:** $355,081

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (64%)
- ⭐ **FHA Gold Superstar** (77%)
- ⭐ **VA Gold Superstar** (77%)
- ⭐ **Purchase Gold Superstar** (70%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 58/100 | 257 | +0.168% | $1,445 | Sound ☺️ |
| FHA | 66/100 | 65 | +0.546% | $1,719 | Strong 😀 |
| VA | 68/100 | 47 | -0.437% | $1,265 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 235 loans, Score: 59/100 (Sound)
- Refinance: 22 loans, Score: 42/100 (Sound)

**FHA:**
- Purchase: 64 loans, Score: 66/100 (Strong)

**VA:**
- Purchase: 42 loans, Score: 68/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 62/100 | 343 | $102M | +0.143% | Strong 😀 |
| Refinance | 45/100 | 28 | $8M | +0.170% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| NE | 321 | 1.50% | 85/100 |
| IA | 33 | 0.09% | 54/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Omaha, NE | NE-IA | 324 | 91/100 |
| Non |  | 22 | 31/100 |
| Lincoln, NE | NE | 10 | 43/100 |

## Where This Lender Ranks

Access Bank appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥈 **#2** in Omaha, NE for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/omaha-ne/best-mortgage-lenders/banks/va-loans)
- 🥉 **#3** in Omaha, NE for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/omaha-ne/best-mortgage-lenders/banks/fha-loans)
- 🥉 **#3** in Nebraska for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/nebraska/best-mortgage-lenders/banks/va-loans)
- 🏆 **#4** in Omaha, NE for FHA Loans
  - [View Full Rankings](https://saferate.com/omaha-ne/best-mortgage-lenders/fha-loans)
- 🏆 **#4** in Omaha, NE for VA Loans
  - [View Full Rankings](https://saferate.com/omaha-ne/best-mortgage-lenders/va-loans)
- 🏆 **#5** in Nebraska for FHA Loans
  - [View Full Rankings](https://saferate.com/nebraska/best-mortgage-lenders/fha-loans)
- 🏆 **#5** in Nebraska for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/nebraska/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#6** in Omaha, NE Banks
  - [View Full Rankings](https://saferate.com/omaha-ne/best-mortgage-lenders/banks)
- 🏆 **#6** in Nebraska for VA Loans
  - [View Full Rankings](https://saferate.com/nebraska/best-mortgage-lenders/va-loans)
- 🏆 **#8** in Omaha, NE
  - [View Full Rankings](https://saferate.com/omaha-ne/best-mortgage-lenders)
- 🏆 **#9** in Nebraska Banks
  - [View Full Rankings](https://saferate.com/nebraska/best-mortgage-lenders/banks)
- 🏆 **#10** in Nebraska
  - [View Full Rankings](https://saferate.com/nebraska/best-mortgage-lenders)
- 🏆 **#11** in Omaha, NE for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/omaha-ne/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#13** in Nebraska for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/nebraska/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#16** in Lincoln, NE for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/lincoln-ne/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#18** in Omaha, NE for Conventional Loans
  - [View Full Rankings](https://saferate.com/omaha-ne/best-mortgage-lenders/conventional-loans)
- 🏆 **#20** in Nebraska for Conventional Loans
  - [View Full Rankings](https://saferate.com/nebraska/best-mortgage-lenders/conventional-loans)

## Frequently Asked Questions

### What loan types does Access Bank offer?

Access Bank offers the following mortgage loan types: FHA, Conventional, VA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Access Bank offer mortgages?

Access Bank offers mortgages in 13 states: AR, AZ, FL, IA, MN, MO, NC, NE, NJ, NY, PA, TX, VA.

### How competitive are Access Bank's mortgage rates?

Access Bank has a pricing score of 67/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.145% above market average.

### What type of lender is Access Bank?

Access Bank is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Omaha, NE.

### What is Access Bank's loan approval success rate?

Access Bank has a pull-through score of 75/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

---

## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/access-bank

### How to Cite

> "Access Bank Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/access-bank

---

**[View Interactive Profile →](https://saferate.com/lenders/access-bank)**