Mortgage Access Corp. Rates, Fees & Info
Morris Plains, NJLEI: 549300EFCZM6KD6B8K69
Tax ID: 22-2302263
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Mortgage Data
Review & Overview
Mortgage Access Corp. is a smaller mortgage company specializing in Home Purchase loans. Mortgage Access Corp. has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: New York, Washington, Philadelphia, Allentown, and Houston among others. We have data for 197 markets. (Some data included below & more in-depth data is available with an active subscription.)Mortgage Access Corp. has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Mortgage Access Corp. is typically an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 6.78% | 11/21/24 |
| 30 Year Conventional Refi | 6.63% | 11/21/24 |
| 30 Year Cash-out Refi | 6.85% | 11/21/24 |
| 30 Year FHA Purchase | 7.52% | 11/21/24 |
| 30 Year FHA Refi | 7.16% | 11/21/24 |
| 30 Year VA Purchase | 6.39% | 11/21/24 |
| 30 Year USDA Purchase | 7.50% | 11/21/24 |
| 15 Year Conventional Purchase | 6.13% | 11/21/24 |
| 15 Year Conventional Refi | 6.16% | 11/21/24 |
| 15 Year Cash-out Refi | 6.16% | 11/21/24 |
| 15 Year VA Purchase | 6.72% | 11/21/24 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
Mortgage Access Corp. Mortgage Calculator
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This is not an official calculator from Mortgage Access Corp.. It uses our SimulatedRate™
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
2,954Origination Dollar Volume (All Markets)
$861,410,000Awards
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MORTGAGE ACCESS CORP. - 2018
MORTGAGE ACCESS CORP. is a 2018 , due to their low .
For 2018, less than of lenders were eligible for this award.
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Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 1,077 | $342,205,000 | $317,739 | $5,935 | 4.68% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 345 | $130,625,000 | $378,623 | $6,376 | 4.58% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 506 | $107,310,000 | $212,075 | $5,512 | 4.74% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 147 | $28,505,000 | $193,912 | $4,880 | 4.79% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 48 | $15,080,000 | $314,167 | $5,881 | 4.49% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 42 | $15,030,000 | $357,857 | $7,045 | 4.56% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 38 | $11,350,000 | $298,684 | $6,099 | 4.72% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 35 | $10,065,000 | $287,571 | $4,201 | 4.44% |
| POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) | 35 | $8,385,000 | $239,571 | $4,789 | 4.75% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 34 | $8,340,000 | $245,294 | $5,019 | 4.73% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 20 | $8,250,000 | $412,500 | $5,230 | 4.49% |
| JACKSON, MS (FHA|USDA|VA) | 27 | $8,015,000 | $296,852 | $7,080 | 4.42% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 21 | $6,915,000 | $329,286 | $6,844 | 4.48% |
| BATON ROUGE, LA (FHA|USDA|VA) | 21 | $5,995,000 | $285,476 | $7,628 | 4.38% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 15 | $4,905,000 | $327,000 | $4,928 | 4.32% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 16 | $4,690,000 | $293,125 | $8,257 | 4.43% |
| Outside of Metro Areas | 22 | $4,520,000 | $205,455 | $4,503 | 4.77% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 13 | $4,485,000 | $345,000 | $3,056 | 4.55% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 13 | $4,175,000 | $321,154 | $7,494 | 4.30% |
| RICHMOND, VA (FHA|USDA|VA) | 10 | $3,790,000 | $379,000 | $7,018 | 4.26% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 13 | $3,545,000 | $272,692 | $3,700 | 4.48% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 14 | $3,290,000 | $235,000 | $4,154 | 4.39% |
| COLUMBUS, OH (FHA|USDA|VA) | 9 | $2,945,000 | $327,222 | $4,659 | 4.58% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 4 | $2,870,000 | $717,500 | $7,204 | 4.62% |
| FORT COLLINS, CO (FHA|USDA|VA) | 8 | $2,570,000 | $321,250 | $7,140 | 4.54% |
| AKRON, OH (FHA|USDA|VA) | 9 | $2,405,000 | $267,222 | $4,521 | 4.37% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 7 | $2,375,000 | $339,286 | $4,932 | 4.78% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 7 | $2,185,000 | $312,143 | $4,333 | 4.70% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 9 | $2,165,000 | $240,556 | $3,428 | 4.57% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 6 | $2,150,000 | $358,333 | $8,421 | 4.40% |
| MIDLAND, TX (FHA|USDA|VA) | 8 | $2,030,000 | $253,750 | $6,319 | 4.38% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 4 | $2,020,000 | $505,000 | $10,672 | 4.56% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 5 | $1,945,000 | $389,000 | $8,113 | 4.42% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 7 | $1,935,000 | $276,429 | $5,455 | 4.75% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 7 | $1,885,000 | $269,286 | $5,894 | 4.54% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 3 | $1,875,000 | $625,000 | $15,122 | 4.38% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 6 | $1,860,000 | $310,000 | $3,859 | 4.79% |
| LOUISVILLE, KY (FHA|USDA|VA) | 9 | $1,855,000 | $206,111 | $3,821 | 4.51% |
| PITTSBURGH, PA (FHA|USDA|VA) | 8 | $1,840,000 | $230,000 | $4,665 | 4.56% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 5 | $1,815,000 | $363,000 | $4,094 | 4.75% |
| KNOXVILLE, TN (FHA|USDA|VA) | 8 | $1,800,000 | $225,000 | $4,052 | 4.72% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 5 | $1,725,000 | $345,000 | $6,146 | 4.60% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 5 | $1,695,000 | $339,000 | $6,098 | 4.75% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 4 | $1,640,000 | $410,000 | $10,312 | 4.59% |
| Russellville, AR (FHA|USDA|VA) | 7 | $1,585,000 | $226,429 | $5,765 | 4.45% |
| ANCHORAGE, AK (FHA|USDA|VA) | 4 | $1,570,000 | $392,500 | $3,973 | 4.75% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 4 | $1,540,000 | $385,000 | $10,876 | 3.69% |
| READING, PA (FHA|USDA|VA) | 10 | $1,490,000 | $149,000 | $4,057 | 4.76% |
| EAST STROUDSBURG, PA (FHA|USDA|VA) | 7 | $1,485,000 | $212,143 | $3,972 | 4.78% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 4 | $1,450,000 | $362,500 | $7,054 | 4.81% |
| DOVER, DE (FHA|USDA|VA) | 7 | $1,405,000 | $200,714 | $4,027 | 4.82% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 4 | $1,370,000 | $342,500 | $4,581 | 4.37% |
| LANCASTER, PA (FHA|USDA|VA) | 5 | $1,335,000 | $267,000 | $5,800 | 5.00% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 5 | $1,305,000 | $261,000 | $4,702 | 4.47% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 3 | $1,245,000 | $415,000 | $7,935 | 4.16% |
| ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) | 4 | $1,220,000 | $305,000 | $5,664 | 4.77% |
| APPLETON, WI (FHA|USDA|VA) | 4 | $1,190,000 | $297,500 | $3,441 | 4.22% |
| SALINAS, CA (FHA|USDA|VA) | 1 | $1,185,000 | $1,185,000 | $16,780 | 4.00% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 2 | $1,170,000 | $585,000 | $10,738 | 4.63% |
| TULSA, OK (FHA|USDA|VA) | 4 | $1,160,000 | $290,000 | $8,997 | 4.59% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 4 | $1,140,000 | $285,000 | $3,254 | 4.72% |
| Vicksburg, MS (FHA|USDA|VA) | 5 | $1,115,000 | $223,000 | $5,188 | 4.60% |
| Pinehurst-Southern Pines, NC (FHA|USDA|VA) | 4 | $1,090,000 | $272,500 | $4,645 | 4.34% |
| ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) | 6 | $1,070,000 | $178,333 | $4,075 | 4.60% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 5 | $1,065,000 | $213,000 | $2,672 | 4.40% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 3 | $1,015,000 | $338,333 | $9,196 | 4.50% |
| ROANOKE, VA (FHA|USDA|VA) | 3 | $945,000 | $315,000 | $3,177 | 4.25% |
| VINELAND-BRIDGETON, NJ (FHA|USDA|VA) | 6 | $930,000 | $155,000 | $5,002 | 4.75% |
| EVANSVILLE, IN-KY (FHA|USDA|VA) | 3 | $915,000 | $305,000 | $2,536 | 5.13% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 3 | $875,000 | $291,667 | $6,739 | 4.42% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 4 | $840,000 | $210,000 | $3,325 | 5.00% |
| BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) | 2 | $820,000 | $410,000 | $5,598 | 4.50% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 4 | $810,000 | $202,500 | $5,866 | 4.46% |
| WARNER ROBINS, GA (FHA|USDA|VA) | 3 | $785,000 | $261,667 | $5,629 | 4.67% |
| FLORENCE, SC (FHA|USDA|VA) | 3 | $755,000 | $251,667 | $5,339 | 4.50% |
| KINGSTON, NY (FHA|USDA|VA) | 3 | $745,000 | $248,333 | $4,958 | 4.58% |
| SPRINGFIELD, IL (FHA|USDA|VA) | 2 | $720,000 | $360,000 | $4,389 | 4.62% |
| ASHEVILLE, NC (FHA|USDA|VA) | 1 | $715,000 | $715,000 | $5,581 | 4.63% |
| COLUMBIA, SC (FHA|USDA|VA) | 2 | $700,000 | $350,000 | $3,467 | 4.94% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 2 | $690,000 | $345,000 | $2,568 | 4.68% |
| MADISON, WI (FHA|USDA|VA) | 2 | $690,000 | $345,000 | $2,504 | 5.31% |
| Jefferson, GA (FHA|USDA|VA) | 2 | $650,000 | $325,000 | $12,000 | 4.19% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 1 | $645,000 | $645,000 | $22,631 | 4.25% |
| ODESSA, TX (FHA|USDA|VA) | 3 | $635,000 | $211,667 | $5,707 | 4.75% |
| Andrews, TX (FHA|USDA|VA) | 3 | $625,000 | $208,333 | $4,849 | 4.63% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 2 | $620,000 | $310,000 | $4,731 | 4.63% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 3 | $615,000 | $205,000 | $2,561 | 4.21% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 1 | $615,000 | $615,000 | $9,364 | 4.99% |
| PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) | 1 | $605,000 | $605,000 | $0 | 4.38% |
| TOLEDO, OH (FHA|USDA|VA) | 3 | $595,000 | $198,333 | $2,681 | 4.41% |
| ROCHESTER, MN (FHA|USDA|VA) | 2 | $570,000 | $285,000 | $2,820 | 4.69% |
| MONROE, MI (FHA|USDA|VA) | 2 | $560,000 | $280,000 | $3,561 | 4.68% |
| SYRACUSE, NY (FHA|USDA|VA) | 2 | $560,000 | $280,000 | $3,481 | 4.06% |
| HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) | 2 | $560,000 | $280,000 | $7,094 | 4.81% |
| JOHNSON CITY, TN (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $17,062 | 4.13% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $2,445 | 4.63% |
| LAKE CHARLES, LA (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $6,246 | 4.19% |
| DECATUR, IL (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $3,779 | 4.75% |
| EAU CLAIRE, WI (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $3,702 | 4.69% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $7,787 | 4.75% |
| GREELEY, CO (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $4,771 | 4.43% |
| LONGVIEW, TX (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $3,268 | 4.63% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $14,614 | 4.50% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $2,849 | 5.38% |
| KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $2,692 | 4.69% |
| DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $3,107 | 4.25% |
| HOT SPRINGS, AR (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $5,914 | 4.38% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $6,104 | 4.99% |
| ROCKFORD, IL (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $12,731 | 4.50% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $4,698 | 4.88% |
| AMARILLO, TX (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $5,467 | 4.12% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $8,645 | 4.38% |
| LaGrange, GA-AL (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $2,763 | 4.69% |
| CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $8,000 | 3.81% |
| ANNISTON-OXFORD, AL (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $5,686 | 4.06% |
| WINCHESTER, VA-WV (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $2,845 | 4.50% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $2,104 | 4.81% |
| BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $3,205 | 5.06% |
| CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $3,378 | 5.88% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $11,034 | 4.63% |
| Georgetown, SC (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $3,122 | 4.88% |
| WILLIAMSPORT, PA (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $7,852 | 4.63% |
| OCEAN CITY, NJ (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $7,226 | 4.68% |
| Celina, OH (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $3,182 | 4.99% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $2,559 | 4.50% |
| Corinth, MS (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $3,069 | 4.75% |
| LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $4,378 | 4.13% |
| VISALIA, CA (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $6,263 | 4.49% |
| Ottawa, IL (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $2,687 | 5.00% |
| HATTIESBURG, MS (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $5,555 | 4.25% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $2,870 | 4.75% |
| Paris, TX (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $2,909 | 4.94% |
| Fort Payne, AL (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $7,609 | 5.13% |
| Lewisburg, PA (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $5,614 | 4.38% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $10,690 | 4.63% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $5,381 | 4.88% |
| OSHKOSH-NEENAH, WI (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $5,465 | 4.49% |
| COLUMBUS, GA-AL (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $7,707 | 5.00% |
| Richmond-Berea, KY (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $2,477 | 4.88% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $3,035 | 4.75% |
| Kill Devil Hills, NC (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $2,688 | 4.75% |
| Scottsboro, AL (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $2,938 | 3.99% |
| Rockingham, NC (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $9,289 | 4.99% |
| HARRISONBURG, VA (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $2,570 | 4.50% |
| Big Rapids, MI (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $2,499 | 4.63% |
| FORT SMITH, AR-OK (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $2,174 | 4.63% |
| MUSKEGON, MI (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $3,138 | 4.63% |
| Torrington, CT (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $3,669 | 5.75% |
| DeRidder, LA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $5,842 | 4.63% |
| Carlsbad-Artesia, NM (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $7,950 | 4.50% |
| FORT WAYNE, IN (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $4,394 | 4.75% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $3,474 | 4.63% |
| WACO, TX (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $6,921 | 5.00% |
| Albertville, AL (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $2,446 | 4.38% |
| Fairmont, WV (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $8,489 | 4.50% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $3,252 | 6.13% |
| ANN ARBOR, MI (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $7,008 | 4.25% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $3,127 | 4.63% |
| Paducah, KY-IL (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $1,924 | 5.38% |
| SAVANNAH, GA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $8,816 | 4.75% |
| Grand Rapids, MN (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $2,734 | 4.75% |
| Cambridge, MD (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $2,854 | 4.63% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,545 | 3.99% |
| SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $2,706 | 4.50% |
| BINGHAMTON, NY (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $6,475 | 5.00% |
| LYNCHBURG, VA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $2,500 | 4.38% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,934 | 3.88% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $4,195 | 4.25% |
| HAMMOND, LA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $5,123 | 4.38% |
| LAFAYETTE, LA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $7,043 | 5.25% |
| SALEM, OR (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,617 | 4.88% |
| NORWICH-NEW LONDON, CT (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $2,458 | 3.88% |
| SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $5,438 | 4.25% |
| SPARTANBURG, SC (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,497 | 4.88% |
| CANTON-MASSILLON, OH (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,855 | 5.49% |
| Big Spring, TX (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,175 | 4.75% |
| BECKLEY, WV (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $5,306 | 4.50% |
| MODESTO, CA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,759 | 4.49% |
| Hudson, NY (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,099 | 4.13% |
| AUBURN-OPELIKA, AL (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,293 | 4.49% |
| GLENS FALLS, NY (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $5,237 | 5.38% |
| WHEELING, WV-OH (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $4,308 | 4.63% |
| Cullman, AL (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $4,444 | 5.13% |
| Jamestown-Dunkirk-Fredonia, NY (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $4,210 | 4.49% |
| ELMIRA, NY (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $4,616 | 4.25% |
| Corning, NY (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,846 | 4.75% |
| El Dorado, AR (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $1,744 | 4.25% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $4,947 | 4.50% |
| Fort Dodge, IA (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $3,125 | 3.99% |
| Lake City, FL (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $2,675 | 4.63% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $2,686 | 4.63% |
| Rochelle, IL (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $4,434 | 5.50% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,067 | 3.75% |
| MUNCIE, IN (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $1,821 | 5.25% |
| WAUSAU-WESTON, WI (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $1,820 | 4.63% |
| JACKSON, TN (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $2,652 | 4.13% |
| SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $3,863 | 4.75% |
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Product Mix
For 2018, Mortgage Access Corp.'s most frequently originated type of loan was Conventional, with 2,326 originations. Their 2nd most popular type was FHA, with 419 originations.
Loan Reason
For 2018, Mortgage Access Corp.'s most frequently cited loan purpose was Home Purchase, with 2,821 originations. The 2nd most popular reason was Cash Out Refi, with 81 originations.
Loan Duration/Length
For 2018, Mortgage Access Corp.'s most frequently cited loan duration was 30 Year, with 2,757 originations. The 2nd most popular length was 15 Year, with 149 originations.
Origination Fees/Closing Costs
Mortgage Access Corp.'s average total fees were $5,812, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 1,674 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 4-5% | 2,218 | $662,010,000 | $298,472 |
| 5-6% | 427 | $101,755,000 | $238,302 |
| 3-4% | 295 | $96,035,000 | $325,542 |
| 6-7% | 7 | $1,205,000 | $172,143 |
| 2.5-3% | 3 | $385,000 | $128,333 |
During 2018, Mortgage Access Corp.'s average interest rate for loans was 4.69%, while their most frequently originated rate bucket for loans was 4-5%, with 2,218 originations.
Loan Sizing
2018 saw Mortgage Access Corp. place emphasis on $200k-400k loans with 1,464 originations, totaling $417,920,000 in origination value.
Applicant Income
Mortgage Access Corp. lent most frequently to those with incomes in the $100k-150k range, with 859 originations. The second most popular income band? $75k-100k, with 578 originations.
Applicant Debt to Income Ratio
Mortgage Access Corp. lent most frequently to those with DTI ratios of 30-36%, with 539 originations. The next most common DTI ratio? 20-30%, with 497 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications95.27%
Mortgage Access Corp. has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination72.75%
Mortgage Access Corp. has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 2,954 | $861,410,000 | $291,608 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Site-Built | 2,954 | $861,410,000 | $291,608 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2018 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| MORTGAGE CENTER, LC | Conventional home mortgage | Applying for a mortgage or refinancing an existing mortgage | 1 | 50.0% |
| MORTGAGE CENTER, LC | Conventional home mortgage | Closing on a mortgage | 1 | 50.0% |