# HOME ACCESS FINANCIAL, LLC

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


> **📋 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


HOME ACCESS FINANCIAL, LLC is a independent mortgage company, headquartered in TAMPA, FL, serving borrowers across 6 states, with 129 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 83% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 70% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 254900NZV7NVKXQW9A64
- **Headquarters:** TAMPA, FL
- **Geographic Reach:** Multi-Region
- **States Served:** 6
- **State List:** FL, GA, NC, SC, TN, TX
- **Markets (MSAs):** 3
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 99%
- **Brokered/Wholesale:** 1%

## Safe Rate Ratings

### Pricing: Mediocre 😐
- Score: 17/100
- Rating: ●○○○○ (1/5)

### Pull Through: Acceptable 🙂
- Score: 30/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** +0.631%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $4,134
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 129
- **Dollar Volume:** $40 million
- **Applications Received:** 209
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $311,744
- **Average Borrower Income:** $128,357
- **Average Property Value:** $373,837

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 28/100 | 77 | +0.501% | $3,911 | Acceptable 🙂 |
| FHA | 59/100 | 52 | +0.806% | $4,436 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 74 loans, Score: 30/100 (Acceptable)

**FHA:**
- Purchase: 48 loans, Score: 58/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 37/100 | 122 | $38M | +0.632% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| FL | 87 | 0.03% | 62/100 |
| GA | 17 | 0.01% | 47/100 |
| SC | 10 | 0.01% | 42/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Tampa, FL | FL | 52 | 66/100 |
| Non |  | 15 | 30/100 |
| St. Petersburg | FL | 13 | 51/100 |

## Frequently Asked Questions

### What loan types does HOME ACCESS FINANCIAL, LLC offer?

HOME ACCESS FINANCIAL, LLC offers the following mortgage loan types: FHA, Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does HOME ACCESS FINANCIAL, LLC offer mortgages?

HOME ACCESS FINANCIAL, LLC offers mortgages in 6 states: FL, GA, NC, SC, TN, TX.

### How competitive are HOME ACCESS FINANCIAL, LLC's mortgage rates?

HOME ACCESS FINANCIAL, LLC has a pricing score of 17/100 (Mediocre), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.631% above market average.

### What type of lender is HOME ACCESS FINANCIAL, LLC?

HOME ACCESS FINANCIAL, LLC is a non-depository lender that specializes in mortgage origination, headquartered in TAMPA, FL.

### What is HOME ACCESS FINANCIAL, LLC's loan approval success rate?

HOME ACCESS FINANCIAL, LLC has a pull-through score of 30/100 (Acceptable). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## 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/home-access-financial

### How to Cite

> "HOME ACCESS FINANCIAL, LLC Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/home-access-financial

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