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MORTGAGE ACCESS CORP.
Independent Mortgage Company|MORRIS PLAINS, NJ|Near-National
Loans Originated
1,339
Applications
1,986
Volume
$538 million
Offers loans directly to consumers
Overall Pricing
Acceptable
Overall Pull Through
Sound
Safe Rate Awards⭐VA Superstar
Pricing and Pullthrough Overview
Average Rate Spread
+0.343%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$3,338
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
67.4%
Percentage of applications that result in closed loans
Safe Rate's 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
Report Card
MORTGAGE ACCESS CORP. performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Acceptable | Near industry average | |
Pull Through Closing Strength | Sound | Industry Standard | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
FHA | Strong | Highly Competitive | |
VA | Strong | Highly Competitive | |
Jumbo | Sound | Industry Standard | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Refinance | Acceptable | Near industry average | |
Places Geographic coverage | Sound | Near-National · 25 metro areas · 39 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$402,117
Average Borrower Income
$168,872
Average Property Value
$533,372
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Sound | Strong | Acceptable | Sound | 1,102 | 82.3% | +0.401% | $3,496 |
FHA Loans | Sound | Strong | Sound | Sound | 106 | 7.9% | +0.385% | $3,320 |
VA Loans | Strong | Strong | Strong | Strong | 103 | 7.7% | -0.460% | $1,262 |
Jumbo Loans | Acceptable | Sound | N/A | Mediocre | 27 | 2.0% | +0.162% | $3,105 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Strong | Acceptable | Sound | 1,304 | 97.4% | +0.349% | $3,360 |
Refinance | Acceptable | Acceptable | Acceptable | Acceptable | 35 | 2.6% | +0.171% | $2,621 |
Geographic Coverage
Metro Areas
24
States Served
39
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
AKALARCACOCTDCDEFLGAIAIDILINKSKYLAMAMDMEMIMNMSNCNDNJNMNYOHOKORPASCTNTXVAWAWIWV
Top Metro Areas by Place Specialization Score
1
Newark, NJ, NJMSA
Volume: 177Mix: 13.22%
Place Specialization
Exceptional
2
Allentown, PA-NJMSA
Volume: 86Mix: 6.42%
Place Specialization
Strong
3
Camden, NJ, NJMSA
Volume: 99Mix: 7.39%
Place Specialization
Strong
4
Lakewood, NJMSA
Volume: 92Mix: 6.87%
Place Specialization
Strong
5
Arlington, VA-WVMSA
Volume: 64Mix: 4.78%
Place Specialization
Strong
6
New York, NY-NJMSA
Volume: 66Mix: 4.93%
Place Specialization
Strong
7
Frederick, MDMSA
Volume: 36Mix: 2.69%
Place Specialization
Sound
8
Philadelphia, PA, PAMSA
Volume: 29Mix: 2.17%
Place Specialization
Sound
9
Montgomery County, PAMSA
Volume: 27Mix: 2.02%
Place Specialization
Sound
10
Houston, TXMSA
Volume: 35Mix: 2.61%
Place Specialization
Sound
Showing 10 of 24 metro areas
Top States by Place Specialization Score
1
NJState
Volume: 465Mix: 34.73%
Place Specialization
Exceptional
2
PAState
Volume: 145Mix: 10.83%
Place Specialization
Strong
3
VAState
Volume: 91Mix: 6.80%
Place Specialization
Strong
4
MDState
Volume: 67Mix: 5.00%
Place Specialization
Sound
5
TXState
Volume: 74Mix: 5.53%
Place Specialization
Sound
6
MIState
Volume: 38Mix: 2.84%
Place Specialization
Sound
7
NYState
Volume: 33Mix: 2.46%
Place Specialization
Sound
8
OHState
Volume: 35Mix: 2.61%
Place Specialization
Sound
9
ALState
Volume: 25Mix: 1.87%
Place Specialization
Sound
10
TNState
Volume: 30Mix: 2.24%
Place Specialization
Sound
Showing 10 of 27 states
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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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