# MORTGAGE ACCESS CORP.

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


> **📋 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


MORTGAGE ACCESS CORP. is a independent mortgage company, headquartered in MORRIS PLAINS, NJ, serving borrowers across 39 states, with 1,339 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 75% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 49% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300EFCZM6KD6B8K69
- **Headquarters:** MORRIS PLAINS, NJ
- **Geographic Reach:** Near-National
- **States Served:** 39
- **State List:** AK, AL, AR, CA, CO, CT, DC, DE, FL, GA, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MS, NC, ND, NJ, NM, NY, OH, OK, OR, PA, SC, TN, TX, VA, WA, WI, WV
- **Markets (MSAs):** 25
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 25/100
- Rating: ●●○○○ (2/5)

### Pull Through: Sound ☺️
- Score: 51/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.343%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $3,338
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 1,339
- **Dollar Volume:** $538 million
- **Applications Received:** 1,986
- **Market Share:** 4.00%

## Typical Borrower Profile

- **Average Loan Amount:** $402,117
- **Average Borrower Income:** $168,872
- **Average Property Value:** $533,372

## Safe Rate Awards 🏆

- ⭐ **VA Gold Superstar** (70%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 64/100 | 1,102 | +0.401% | $3,496 | Strong 😀 |
| FHA | 65/100 | 106 | +0.385% | $3,320 | Strong 😀 |
| VA | 71/100 | 103 | -0.460% | $1,262 | Strong 😀 |
| Jumbo | 48/100 | 27 | +0.162% | $3,105 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 1,073 loans, Score: 66/100 (Strong)
- Refinance: 29 loans, Score: 36/100 (Acceptable)

**FHA:**
- Purchase: 104 loans, Score: 65/100 (Strong)

**VA:**
- Purchase: 99 loans, Score: 72/100 (Strong)

**Jumbo:**
- Purchase: 27 loans, Score: 48/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 67/100 | 1,304 | $526M | +0.349% | Strong 😀 |
| Refinance | 35/100 | 35 | $12M | +0.171% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| NJ | 465 | 0.54% | 83/100 |
| PA | 145 | 0.12% | 66/100 |
| VA | 91 | 0.08% | 62/100 |
| TX | 74 | 0.02% | 53/100 |
| MD | 67 | 0.10% | 58/100 |
| MI | 38 | 0.03% | 50/100 |
| OH | 35 | 0.03% | 48/100 |
| NY | 33 | 0.03% | 49/100 |
| TN | 30 | 0.03% | 48/100 |
| AL | 25 | 0.04% | 48/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Newark, NJ | NJ | 177 | 80/100 |
| Camden, NJ | NJ | 99 | 71/100 |
| Lakewood | NJ | 92 | 69/100 |
| Allentown | PA-NJ | 86 | 74/100 |
| New York | NY-NJ | 66 | 60/100 |
| Arlington | VA-WV | 64 | 61/100 |
| Non |  | 62 | 42/100 |
| Frederick | MD | 36 | 59/100 |
| Houston | TX | 35 | 50/100 |
| Philadelphia, PA | PA | 29 | 54/100 |
| Montgomery County | PA | 27 | 53/100 |
| Warren | MI | 16 | 44/100 |
| Washington, DC | DC-MD | 16 | 46/100 |
| Chicago | IL | 14 | 41/100 |
| Wilmington, DE |  | 14 | 44/100 |

## Where This Lender Ranks

MORTGAGE ACCESS CORP. appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#7** in Newark, NJ for VA Loans
  - [View Full Rankings](https://saferate.com/newark-nj/best-mortgage-lenders/va-loans)
- 🏆 **#7** in Newark, NJ for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/newark-nj/best-mortgage-lenders/mortgage-companies/va-loans)
- 🏆 **#11** in New Jersey for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/new-jersey/best-mortgage-lenders/mortgage-companies/va-loans)
- 🏆 **#12** in Camden, NJ for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/camden-nj/best-mortgage-lenders/mortgage-companies/va-loans)
- 🏆 **#13** in New Jersey for VA Loans
  - [View Full Rankings](https://saferate.com/new-jersey/best-mortgage-lenders/va-loans)
- 🏆 **#13** in Camden, NJ for VA Loans
  - [View Full Rankings](https://saferate.com/camden-nj/best-mortgage-lenders/va-loans)
- 🏆 **#20** in Newark, NJ for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/newark-nj/best-mortgage-lenders/mortgage-companies/fha-loans)

## Frequently Asked Questions

### What loan types does MORTGAGE ACCESS CORP. offer?

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

### Where does MORTGAGE ACCESS CORP. offer mortgages?

MORTGAGE ACCESS CORP. offers mortgages in 39 states: AK, AL, AR, CA, CO, CT, DC, DE, FL, GA, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MS, NC, ND, NJ, NM, NY, OH, OK, OR, PA, SC, TN, TX, VA, WA, WI, WV.

### How competitive are MORTGAGE ACCESS CORP.'s mortgage rates?

MORTGAGE ACCESS CORP. has a pricing score of 25/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.343% above market average.

### What type of lender is MORTGAGE ACCESS CORP.?

MORTGAGE ACCESS CORP. is a non-depository lender that specializes in mortgage origination, headquartered in MORRIS PLAINS, NJ.

### What is MORTGAGE ACCESS CORP.'s loan approval success rate?

MORTGAGE ACCESS CORP. has a pull-through score of 51/100 (Sound). 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/mortgage-access

### How to Cite

> "MORTGAGE ACCESS CORP. Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/mortgage-access

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