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
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
Pull Through
Closing strength
Sound
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Top 40% of lenders
FHA
Strong
Top 40% of lenders
VA
Strong
Top 40% of lenders
Jumbo
Sound
Top 60% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Top 40% of lenders
Refinance
Acceptable
Bottom 40% of lenders
By Location· Geographic coverage
Geographic Reach
Near-National · 25 markets
Sound
Top 60% of lenders
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
39Northeast6
CTMEMANJNYPA
Midwest9
IAILINKSMIMNNDOHWI
South17
ALARDCDEFLGAKYLAMDMSNCOKSCTNTXVAWV
West7
AKCACOIDNMORWA
Top Metro Areas by Place Specialization Score
Volume 177Mix 13.22% of portfolio
80/100
Exceptional
Volume 86Mix 6.42% of portfolio
74/100
Strong
Volume 99Mix 7.39% of portfolio
71/100
Strong
Volume 92Mix 6.87% of portfolio
69/100
Strong
Volume 64Mix 4.78% of portfolio
61/100
Strong
Volume 66Mix 4.93% of portfolio
60/100
Strong
Volume 36Mix 2.69% of portfolio
59/100
Sound
Volume 29Mix 2.17% of portfolio
54/100
Sound
Volume 27Mix 2.02% of portfolio
53/100
Sound
Volume 35Mix 2.61% of portfolio
50/100
SoundShowing 10 of 24 metro areas
Top States by Place Specialization Score
1
New JerseyState
Volume 465Mix 34.73% of portfolio
83/100
Exceptional2
PennsylvaniaState
Volume 145Mix 10.83% of portfolio
66/100
Strong3
VirginiaState
Volume 91Mix 6.80% of portfolio
62/100
Strong4
MarylandState
Volume 67Mix 5.00% of portfolio
58/100
Sound5
TexasState
Volume 74Mix 5.53% of portfolio
53/100
Sound6
MichiganState
Volume 38Mix 2.84% of portfolio
50/100
Sound7
New YorkState
Volume 33Mix 2.46% of portfolio
49/100
Sound8
OhioState
Volume 35Mix 2.61% of portfolio
48/100
Sound9
AlabamaState
Volume 25Mix 1.87% of portfolio
48/100
Sound10
TennesseeState
Volume 30Mix 2.24% of portfolio
48/100
SoundShowing 10 of 27 states
How We Rank Lenders
Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.
Our Point System (Max 30 Points)
10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 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.