Mortgage Access Corp. Rates, Fees & Info

Morris Plains, NJ

LEI: 549300EFCZM6KD6B8K69

Tax ID: 22-2302263

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Mortgage Data

Review & Overview

Mortgage Access Corp. is a small 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 239 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.

Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

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SimulatedRates™

Mortgage Type
Simulated Rate Simulation Date
30 Year Conventional Purchase 6.78% 3/28/24
30 Year Conventional Refi 6.63% 3/28/24
30 Year Cash-out Refi 6.85% 3/28/24
30 Year FHA Purchase 7.52% 3/28/24
30 Year FHA Refi 7.16% 3/28/24
30 Year VA Purchase 6.39% 3/28/24
30 Year USDA Purchase 7.50% 3/28/24
15 Year Conventional Purchase 6.13% 3/28/24
15 Year Conventional Refi 6.16% 3/28/24
15 Year Cash-out Refi 6.16% 3/28/24
15 Year VA Purchase 6.72% 3/28/24
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






Your Estimates

Estimated Loan Payment: Update the calculator values and click calculate payment!

This is not an official calculator from Mortgage Access Corp.. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

The default purchase price is the median sales price across the US for 2022Q4, per FRED.


Originations

4,580

Origination Dollar Volume (All Markets)

$1,491,790,000

Awards

MORTGAGE ACCESS CORP. 30 Year Conventional Loans silver MORTGAGE ACCESS CORP. 30 Year Conventional Loans bronze MORTGAGE ACCESS CORP. 30 Year Conventional Loans gold
Show all (3) awards

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) 1,714 $607,720,000 $354,562 $6,168 3.08%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 565 $223,585,000 $395,726 $5,780 3.01%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 848 $209,660,000 $247,241 $5,705 3.12%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 251 $60,735,000 $241,972 $5,827 3.15%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 71 $27,275,000 $384,155 $5,684 2.99%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 51 $19,695,000 $386,176 $5,828 2.97%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 45 $17,185,000 $381,889 $5,958 2.95%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 53 $16,285,000 $307,264 $5,460 2.97%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 36 $13,730,000 $381,389 $4,359 2.93%
TRENTON-PRINCETON, NJ (FHA|USDA|VA) 45 $13,505,000 $300,111 $5,547 3.04%
Outside of Metro Areas 48 $12,530,000 $261,042 $6,225 3.07%
POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) 35 $10,865,000 $310,429 $7,282 3.23%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 19 $10,165,000 $535,000 $5,108 3.06%
ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 41 $8,915,000 $217,439 $5,113 3.15%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 24 $8,840,000 $368,333 $4,811 3.02%
JACKSON, MS (FHA|USDA|VA) 25 $8,215,000 $328,600 $7,057 2.94%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 19 $6,525,000 $343,421 $3,706 3.19%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 20 $5,980,000 $299,000 $3,671 3.17%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 15 $5,745,000 $383,000 $6,901 3.04%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 10 $5,530,000 $553,000 $3,875 2.87%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 14 $4,930,000 $352,143 $4,038 3.07%
RICHMOND, VA (FHA|USDA|VA) 14 $4,340,000 $310,000 $4,446 3.07%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 10 $3,900,000 $390,000 $5,321 2.96%
COLUMBUS, OH (FHA|USDA|VA) 9 $3,795,000 $421,667 $4,786 3.15%
EAST STROUDSBURG, PA (FHA|USDA|VA) 18 $3,760,000 $208,889 $7,280 3.38%
BOISE CITY, ID (FHA|USDA|VA) 9 $3,695,000 $410,556 $5,463 3.00%
Russellville, AR (FHA|USDA|VA) 12 $3,620,000 $301,667 $5,458 2.89%
LOUISVILLE, KY (FHA|USDA|VA) 12 $3,600,000 $300,000 $3,301 3.04%
READING, PA (FHA|USDA|VA) 15 $3,585,000 $239,000 $7,350 3.19%
ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) 11 $3,575,000 $325,000 $4,823 3.09%
RALEIGH-CARY, NC (FHA|USDA|VA) 9 $3,475,000 $386,111 $3,840 3.14%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 9 $3,445,000 $382,778 $3,928 3.00%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 12 $3,390,000 $282,500 $3,516 3.16%
PITTSBURGH, PA (FHA|USDA|VA) 10 $3,320,000 $332,000 $6,602 3.07%
JOHNSON CITY, TN (FHA|USDA|VA) 9 $3,205,000 $356,111 $9,271 2.94%
BATON ROUGE, LA (FHA|USDA|VA) 11 $3,115,000 $283,182 $6,587 2.95%
HUNTSVILLE, AL (FHA|USDA|VA) 9 $3,085,000 $342,778 $5,426 3.08%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 7 $3,035,000 $433,571 $6,152 3.25%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 3 $2,975,000 $991,667 $18,439 3.29%
KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 9 $2,905,000 $322,778 $5,201 2.93%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 7 $2,785,000 $397,857 $4,267 3.05%
OCEAN CITY, NJ (FHA|USDA|VA) 10 $2,780,000 $278,000 $5,099 3.06%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 6 $2,780,000 $463,333 $6,381 3.14%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 8 $2,610,000 $326,250 $4,852 2.98%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 7 $2,565,000 $366,429 $4,815 3.04%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 7 $2,295,000 $327,857 $6,410 3.00%
VINELAND-BRIDGETON, NJ (FHA|USDA|VA) 11 $2,205,000 $200,455 $4,525 3.10%
OKLAHOMA CITY, OK (FHA|USDA|VA) 7 $2,175,000 $310,714 $3,614 2.98%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 7 $2,125,000 $303,571 $2,467 3.30%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 6 $2,070,000 $345,000 $6,222 2.90%
FORT COLLINS, CO (FHA|USDA|VA) 4 $2,040,000 $510,000 $16,649 2.81%
LANCASTER, PA (FHA|USDA|VA) 6 $2,010,000 $335,000 $4,780 2.98%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 6 $1,970,000 $328,333 $2,966 3.02%
CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) 4 $1,850,000 $462,500 $8,852 3.00%
TULSA, OK (FHA|USDA|VA) 5 $1,735,000 $347,000 $7,409 2.69%
SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 6 $1,710,000 $285,000 $3,690 3.19%
JACKSONVILLE, FL (FHA|USDA|VA) 4 $1,700,000 $425,000 $7,716 3.09%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 6 $1,640,000 $273,333 $5,123 2.73%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 5 $1,585,000 $317,000 $5,232 3.18%
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 5 $1,515,000 $303,000 $6,174 2.87%
WINSTON-SALEM, NC (FHA|USDA|VA) 4 $1,470,000 $367,500 $2,831 3.09%
CLEVELAND, TN (FHA|USDA|VA) 5 $1,465,000 $293,000 $7,972 2.95%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 3 $1,395,000 $465,000 $10,644 3.04%
GREELEY, CO (FHA|USDA|VA) 3 $1,375,000 $458,333 $8,429 3.04%
NILES, MI (FHA|USDA|VA) 4 $1,360,000 $340,000 $5,308 2.68%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 5 $1,295,000 $259,000 $5,714 3.10%
HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 6 $1,290,000 $215,000 $4,527 3.43%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 5 $1,275,000 $255,000 $4,226 3.50%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 3 $1,265,000 $421,667 $7,942 3.46%
DAYTON-KETTERING, OH (FHA|USDA|VA) 5 $1,215,000 $243,000 $4,254 2.87%
FORT WAYNE, IN (FHA|USDA|VA) 4 $1,210,000 $302,500 $3,983 3.28%
EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 3 $1,185,000 $395,000 $3,678 2.96%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 2 $1,160,000 $580,000 $9,515 2.87%
BAKERSFIELD, CA (FHA|USDA|VA) 3 $1,135,000 $378,333 $4,540 3.08%
HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 3 $1,125,000 $375,000 $11,690 2.96%
FORT SMITH, AR-OK (FHA|USDA|VA) 5 $1,115,000 $223,000 $3,186 3.13%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 4 $1,100,000 $275,000 $5,336 3.03%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 3 $1,095,000 $365,000 $3,661 2.83%
YORK-HANOVER, PA (FHA|USDA|VA) 4 $1,070,000 $267,500 $4,248 3.19%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 2 $1,050,000 $525,000 $3,893 2.62%
SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 4 $1,040,000 $260,000 $5,691 3.19%
APPLETON, WI (FHA|USDA|VA) 3 $1,035,000 $345,000 $2,774 3.04%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 4 $1,030,000 $257,500 $4,353 2.97%
SALISBURY, MD-DE (FHA|USDA|VA) 6 $1,020,000 $170,000 $3,750 2.83%
PANAMA CITY, FL (FHA|USDA|VA) 3 $955,000 $318,333 $4,488 2.96%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 3 $935,000 $311,667 $3,375 2.49%
WINCHESTER, VA-WV (FHA|USDA|VA) 3 $925,000 $308,333 $8,035 3.29%
DULUTH, MN-WI (FHA|USDA|VA) 2 $880,000 $440,000 $8,350 2.81%
MONTGOMERY, AL (FHA|USDA|VA) 2 $860,000 $430,000 $6,923 3.75%
DECATUR, AL (FHA|USDA|VA) 3 $855,000 $285,000 $6,323 3.66%
Corning, NY (FHA|USDA|VA) 3 $795,000 $265,000 $4,426 3.12%
KNOXVILLE, TN (FHA|USDA|VA) 2 $790,000 $395,000 $7,895 2.81%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 3 $785,000 $261,667 $2,944 3.13%
PEORIA, IL (FHA|USDA|VA) 3 $775,000 $258,333 $3,089 3.29%
DOVER, DE (FHA|USDA|VA) 3 $765,000 $255,000 $3,901 3.29%
BINGHAMTON, NY (FHA|USDA|VA) 2 $760,000 $380,000 $12,339 3.00%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 2 $730,000 $365,000 $5,203 3.25%
ST. CLOUD, MN (FHA|USDA|VA) 2 $730,000 $365,000 $3,162 3.12%
MIDLAND, TX (FHA|USDA|VA) 2 $720,000 $360,000 $5,714 3.06%
ANCHORAGE, AK (FHA|USDA|VA) 2 $660,000 $330,000 $2,777 2.56%
Mason City, IA (FHA|USDA|VA) 2 $650,000 $325,000 $2,533 3.06%
BOULDER, CO (FHA|USDA|VA) 1 $645,000 $645,000 $9,113 3.38%
NAPA, CA (FHA|USDA|VA) 1 $635,000 $635,000 $2,550 2.99%
ROANOKE, VA (FHA|USDA|VA) 2 $620,000 $310,000 $4,794 2.87%
COLUMBIA, SC (FHA|USDA|VA) 3 $615,000 $205,000 $3,101 3.29%
MACON-BIBB COUNTY, GA (FHA|USDA|VA) 2 $610,000 $305,000 $3,264 3.19%
GETTYSBURG, PA (FHA|USDA|VA) 2 $590,000 $295,000 $9,623 3.37%
AUBURN-OPELIKA, AL (FHA|USDA|VA) 2 $570,000 $285,000 $3,428 3.44%
COLORADO SPRINGS, CO (FHA|USDA|VA) 2 $560,000 $280,000 $3,224 2.62%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 1 $555,000 $555,000 $13,197 3.00%
OSHKOSH-NEENAH, WI (FHA|USDA|VA) 2 $550,000 $275,000 $2,683 3.12%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 2 $550,000 $275,000 $3,986 3.12%
LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 2 $540,000 $270,000 $2,527 3.12%
WICHITA, KS (FHA|USDA|VA) 1 $535,000 $535,000 $3,351 3.13%
Findlay, OH (FHA|USDA|VA) 2 $520,000 $260,000 $2,782 3.38%
MOBILE, AL (FHA|USDA|VA) 2 $510,000 $255,000 $2,567 2.93%
WARNER ROBINS, GA (FHA|USDA|VA) 2 $510,000 $255,000 $3,354 2.87%
Mayfield, KY (FHA|USDA|VA) 1 $505,000 $505,000 $2,488 3.99%
CUMBERLAND, MD-WV (FHA|USDA|VA) 5 $505,000 $101,000 $5,666 3.92%
PORT ST. LUCIE, FL (FHA|USDA|VA) 1 $495,000 $495,000 $4,416 2.88%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 1 $485,000 $485,000 $6,794 3.99%
GREENVILLE, NC (FHA|USDA|VA) 2 $480,000 $240,000 $2,217 2.94%
BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 2 $480,000 $240,000 $6,868 3.12%
TOLEDO, OH (FHA|USDA|VA) 2 $480,000 $240,000 $3,607 3.19%
ROCHESTER, NY (FHA|USDA|VA) 2 $460,000 $230,000 $3,729 2.88%
Bedford, IN (FHA|USDA|VA) 1 $455,000 $455,000 $1,953 3.25%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 1 $455,000 $455,000 $4,734 2.99%
ROCKFORD, IL (FHA|USDA|VA) 2 $450,000 $225,000 $7,450 2.88%
SPARTANBURG, SC (FHA|USDA|VA) 2 $430,000 $215,000 $6,016 2.75%
EL PASO, TX (FHA|USDA|VA) 2 $420,000 $210,000 $3,695 3.00%
GAINESVILLE, GA (FHA|USDA|VA) 1 $415,000 $415,000 $15,870 2.75%
CHAMPAIGN-URBANA, IL (FHA|USDA|VA) 2 $410,000 $205,000 $3,469 3.37%
Boone, NC (FHA|USDA|VA) 1 $405,000 $405,000 $2,384 2.99%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 1 $405,000 $405,000 $5,423 2.99%
SALEM, OR (FHA|USDA|VA) 1 $395,000 $395,000 $7,378 3.13%
Pottsville, PA (FHA|USDA|VA) 4 $390,000 $97,500 $4,067 3.47%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 2 $390,000 $195,000 $2,990 3.19%
LAFAYETTE, LA (FHA|USDA|VA) 1 $385,000 $385,000 $4,246 3.63%
ASHEVILLE, NC (FHA|USDA|VA) 1 $385,000 $385,000 $2,758 3.13%
CHARLOTTESVILLE, VA (FHA|USDA|VA) 1 $385,000 $385,000 $3,721 2.25%
Sebastian-Vero Beach, FL (FHA|USDA|VA) 1 $385,000 $385,000 $4,131 2.88%
BLOOMINGTON, IL (FHA|USDA|VA) 1 $375,000 $375,000 $2,527 3.49%
LUBBOCK, TX (FHA|USDA|VA) 1 $375,000 $375,000 $3,487 2.63%
Selinsgrove, PA (FHA|USDA|VA) 1 $375,000 $375,000 $4,718 3.13%
LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 2 $370,000 $185,000 $2,161 2.56%
Vicksburg, MS (FHA|USDA|VA) 2 $370,000 $185,000 $5,653 3.12%
North Wilkesboro, NC (FHA|USDA|VA) 1 $365,000 $365,000 $3,766 3.63%
Greeneville, TN (FHA|USDA|VA) 1 $365,000 $365,000 $9,903 2.88%
Hobbs, NM (FHA|USDA|VA) 2 $360,000 $180,000 $3,502 3.62%
CHICO, CA (FHA|USDA|VA) 1 $355,000 $355,000 $5,157 3.13%
Stevens Point, WI (FHA|USDA|VA) 1 $355,000 $355,000 $2,903 3.25%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 1 $355,000 $355,000 $4,028 3.63%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 1 $355,000 $355,000 $3,555 3.25%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 1 $355,000 $355,000 $14,321 2.63%
MORGANTOWN, WV (FHA|USDA|VA) 1 $345,000 $345,000 $2,736 2.88%
KANSAS CITY, MO-KS (FHA|USDA|VA) 1 $345,000 $345,000 $2,543 2.99%
WAUSAU-WESTON, WI (FHA|USDA|VA) 2 $340,000 $170,000 $3,600 3.12%
Lewisburg, PA (FHA|USDA|VA) 1 $335,000 $335,000 $3,993 2.38%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 1 $335,000 $335,000 $2,703 3.13%
Albertville, AL (FHA|USDA|VA) 1 $335,000 $335,000 $2,798 2.75%
Ruston, LA (FHA|USDA|VA) 1 $325,000 $325,000 $13,200 2.99%
WACO, TX (FHA|USDA|VA) 1 $325,000 $325,000 $2,939 3.25%
CORPUS CHRISTI, TX (FHA|USDA|VA) 1 $315,000 $315,000 $3,464 2.75%
Scottsboro, AL (FHA|USDA|VA) 1 $315,000 $315,000 $3,188 3.13%
Somerset, KY (FHA|USDA|VA) 1 $315,000 $315,000 $2,798 3.13%
ANN ARBOR, MI (FHA|USDA|VA) 1 $305,000 $305,000 $3,397 2.99%
Meadville, PA (FHA|USDA|VA) 1 $305,000 $305,000 $5,188 3.49%
FLORENCE, SC (FHA|USDA|VA) 1 $305,000 $305,000 $3,353 2.99%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 1 $295,000 $295,000 $4,503 3.99%
TALLAHASSEE, FL (FHA|USDA|VA) 1 $295,000 $295,000 $8,805 2.88%
Mount Sterling, KY (FHA|USDA|VA) 1 $285,000 $285,000 $8,050 2.49%
Jasper, AL (FHA|USDA|VA) 1 $285,000 $285,000 $2,096 2.88%
Holland, MI (FHA|USDA|VA) 1 $285,000 $285,000 $10,748 3.75%
Emporia, KS (FHA|USDA|VA) 1 $285,000 $285,000 $1,850 3.25%
Clarksburg, WV (FHA|USDA|VA) 1 $285,000 $285,000 $2,891 3.25%
Wooster, OH (FHA|USDA|VA) 1 $275,000 $275,000 $3,331 3.63%
SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 1 $275,000 $275,000 $8,888 2.63%
Sandusky, OH (FHA|USDA|VA) 1 $275,000 $275,000 $3,212 2.88%
Greenville, OH (FHA|USDA|VA) 1 $275,000 $275,000 $4,692 3.13%
Campbellsville, KY (FHA|USDA|VA) 1 $275,000 $275,000 $3,669 3.25%
GULFPORT-BILOXI, MS (FHA|USDA|VA) 1 $265,000 $265,000 $1,895 3.38%
GREEN BAY, WI (FHA|USDA|VA) 1 $265,000 $265,000 $6,733 3.25%
Augusta-Waterville, ME (FHA|USDA|VA) 1 $265,000 $265,000 $2,957 3.25%
LaGrange, GA-AL (FHA|USDA|VA) 1 $265,000 $265,000 $4,290 3.75%
PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 1 $265,000 $265,000 $3,776 2.99%
BANGOR, ME (FHA|USDA|VA) 1 $255,000 $255,000 $2,712 2.88%
Fort Madison-Keokuk, IA-IL-MO (FHA|USDA|VA) 1 $255,000 $255,000 $2,422 3.13%
ALBANY, GA (FHA|USDA|VA) 1 $255,000 $255,000 $3,602 3.13%
GAINESVILLE, FL (FHA|USDA|VA) 1 $245,000 $245,000 $12,628 3.75%
NORWICH-NEW LONDON, CT (FHA|USDA|VA) 1 $245,000 $245,000 $3,703 2.49%
Pella, IA (FHA|USDA|VA) 1 $245,000 $245,000 $1,342 2.75%
Wisconsin Rapids-Marshfield, WI (FHA|USDA|VA) 1 $235,000 $235,000 $2,054 3.25%
MONROE, LA (FHA|USDA|VA) 1 $235,000 $235,000 $5,767 3.49%
ELMIRA, NY (FHA|USDA|VA) 1 $235,000 $235,000 $8,194 2.88%
Portsmouth, OH (FHA|USDA|VA) 1 $235,000 $235,000 $2,594 2.75%
LA CROSSE-ONALASKA, WI-MN (FHA|USDA|VA) 1 $235,000 $235,000 $3,090 3.38%
Mount Airy, NC (FHA|USDA|VA) 1 $235,000 $235,000 $2,722 3.25%
ALBUQUERQUE, NM (FHA|USDA|VA) 1 $225,000 $225,000 $1,927 2.88%
BLOOMSBURG-BERWICK, PA (FHA|USDA|VA) 1 $225,000 $225,000 $10,759 2.75%
WILLIAMSPORT, PA (FHA|USDA|VA) 1 $225,000 $225,000 $7,479 2.75%
Kill Devil Hills, NC (FHA|USDA|VA) 1 $225,000 $225,000 $2,159 2.49%
LEBANON, PA (FHA|USDA|VA) 1 $225,000 $225,000 $5,688 2.99%
CANTON-MASSILLON, OH (FHA|USDA|VA) 1 $215,000 $215,000 $1,720 2.25%
ROCKY MOUNT, NC (FHA|USDA|VA) 1 $215,000 $215,000 $3,189 2.99%
SIOUX CITY, IA-NE-SD (FHA|USDA|VA) 1 $215,000 $215,000 $2,818 3.25%
PARKERSBURG-VIENNA, WV (FHA|USDA|VA) 1 $205,000 $205,000 $2,838 2.75%
Owatonna, MN (FHA|USDA|VA) 1 $205,000 $205,000 $3,403 2.99%
JACKSON, TN (FHA|USDA|VA) 1 $205,000 $205,000 $3,896 3.75%
HOT SPRINGS, AR (FHA|USDA|VA) 1 $205,000 $205,000 $2,319 3.49%
LYNCHBURG, VA (FHA|USDA|VA) 1 $205,000 $205,000 $2,382 2.75%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 1 $205,000 $205,000 $3,297 2.99%
Burlington, IA-IL (FHA|USDA|VA) 1 $185,000 $185,000 $2,398 2.99%
Torrington, CT (FHA|USDA|VA) 1 $185,000 $185,000 $3,837 2.49%
Sayre, PA (FHA|USDA|VA) 1 $185,000 $185,000 $5,096 2.38%
SHEBOYGAN, WI (FHA|USDA|VA) 1 $185,000 $185,000 $5,667 3.13%
LAWTON, OK (FHA|USDA|VA) 1 $185,000 $185,000 $2,494 3.99%
OCALA, FL (FHA|USDA|VA) 1 $185,000 $185,000 $7,548 2.75%
Stillwater, OK (FHA|USDA|VA) 1 $185,000 $185,000 $6,366 2.63%
Clinton, IA (FHA|USDA|VA) 1 $175,000 $175,000 $2,183 3.49%
TOPEKA, KS (FHA|USDA|VA) 1 $175,000 $175,000 $3,902 2.99%
Andrews, TX (FHA|USDA|VA) 1 $175,000 $175,000 $1,982 2.49%
SAVANNAH, GA (FHA|USDA|VA) 1 $165,000 $165,000 $4,690 2.99%
Zanesville, OH (FHA|USDA|VA) 1 $165,000 $165,000 $4,741 2.63%
CHARLESTON, WV (FHA|USDA|VA) 1 $165,000 $165,000 $5,670 2.75%
Defiance, OH (FHA|USDA|VA) 1 $155,000 $155,000 $4,013 2.99%
EVANSVILLE, IN-KY (FHA|USDA|VA) 1 $155,000 $155,000 $2,189 3.38%
Glasgow, KY (FHA|USDA|VA) 1 $155,000 $155,000 $5,022 2.88%
COLUMBUS, GA-AL (FHA|USDA|VA) 1 $155,000 $155,000 $3,197 2.99%
Cullman, AL (FHA|USDA|VA) 1 $155,000 $155,000 $2,123 3.25%
McMinnville, TN (FHA|USDA|VA) 1 $145,000 $145,000 $2,268 1.99%
Auburn, IN (FHA|USDA|VA) 1 $145,000 $145,000 $3,491 2.49%
Washington, NC (FHA|USDA|VA) 1 $145,000 $145,000 $2,120 2.75%
Arkadelphia, AR (FHA|USDA|VA) 1 $145,000 $145,000 $2,082 2.88%
REDDING, CA (FHA|USDA|VA) 1 $135,000 $135,000 $2,937 2.75%
AKRON, OH (FHA|USDA|VA) 1 $135,000 $135,000 $2,768 3.38%
HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) 1 $125,000 $125,000 $3,455 3.38%
COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 1 $125,000 $125,000 $2,945 3.63%
DOTHAN, AL (FHA|USDA|VA) 1 $125,000 $125,000 $2,752 3.25%
WATERLOO-CEDAR FALLS, IA (FHA|USDA|VA) 1 $85,000 $85,000 $2,193 2.38%
Mortgage Access Corp.'s top markets include New York, Washington, Philadelphia, Allentown, and Houston among others.

Their top states include:
  • New Jersey (FHA|USDA|VA)
  • Virginia (FHA|USDA|VA)
  • Pennsylvania (FHA|USDA|VA)
  • Maryland (FHA|USDA|VA)
  • New York (FHA|USDA|VA)
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 3,942 $1,265,040,000 $320,913 $5,082 3.09%
    FHA 382 $112,650,000 $294,895 $10,903 3.15%
    VA 248 $112,530,000 $453,750 $9,289 2.76%
    USDA 8 $1,570,000 $196,250 $6,674 3.25%

    For 2021, Mortgage Access Corp.'s most frequently originated type of loan was Conventional, with 3,942 originations. Their 2nd most popular type was FHA, with 382 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 3,510 $1,171,690,000 $333,815 $6,170 3.13%
    Refi 906 $275,820,000 $304,437 $4,346 2.84%
    Cash Out Refi 164 $44,280,000 $270,000 $5,942 3.28%

    For 2021, Mortgage Access Corp.'s most frequently cited loan purpose was Home Purchase, with 3,510 originations. The 2nd most popular reason was Refi, with 906 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 3,969 $1,331,895,000 $335,574 $6,038 3.15%
    15 Year 420 $112,080,000 $266,857 $4,252 2.50%
    20 Year 142 $37,950,000 $267,254 $4,422 2.93%
    10 Year 31 $5,255,000 $169,516 $3,632 2.35%
    Other 18 $4,610,000 $256,111 $4,388 3.06%

    For 2021, Mortgage Access Corp.'s most frequently cited loan duration was 30 Year, with 3,969 originations. The 2nd most popular length was 15 Year, with 420 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 2,293 $700,825,000 $305,637
    $<1k 846 $299,880,000 $354,468
    $2k-3k 610 $177,990,000 $291,787
    $3k-4k 324 $109,500,000 $337,963
    $5k+ 312 $137,440,000 $440,513
    $4k-5k 195 $66,155,000 $339,256

    Mortgage Access Corp.'s average total fees were $6,038, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 2,293 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 2,177 $682,355,000 $313,438
    2.5-3% 1,943 $667,505,000 $343,543
    <2.5% 411 $129,635,000 $315,414
    4-5% 49 $12,295,000 $250,918

    During 2021, Mortgage Access Corp.'s average interest rate for loans was 3.15%, while their most frequently originated rate bucket for loans was 3-4%, with 2,177 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 2,396 $701,200,000 $292,654 $5,619 3.10%
    $400k-600k 921 $441,445,000 $479,311 $6,846 3.03%
    $100k-200k 886 $139,880,000 $157,878 $4,478 3.09%
    $600k-1MM 258 $185,250,000 $718,023 $8,961 2.99%
    $100,000 or less 105 $7,285,000 $69,381 $3,295 3.20%
    $1MM+ 14 $16,730,000 $1,195,000 $11,955 3.01%

    2021 saw Mortgage Access Corp. place emphasis on $200k-400k loans with 2,396 originations, totaling $701,200,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 1,343 $452,125,000 $336,653 $6,038 3.07%
    $150k-250k 925 $387,555,000 $418,978 $6,002 3.04%
    $75k-100k 846 $234,950,000 $277,719 $5,766 3.14%
    $50k-75k 795 $182,715,000 $229,830 $5,359 3.12%
    $50k or less 366 $73,110,000 $199,754 $4,761 3.07%
    $250k+ 297 $158,415,000 $533,384 $6,668 2.93%

    Mortgage Access Corp. lent most frequently to those with incomes in the $100k-150k range, with 1,343 originations. The second most popular income band? $150k-250k, with 925 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 1,006 $332,060,000 $330,080 $5,148 3.01%
    30-36% 857 $286,565,000 $334,382 $5,715 3.10%
    <20% 318 $93,780,000 $294,906 $4,844 2.94%
    44% 205 $67,675,000 $330,122 $5,901 3.19%
    43% 181 $56,515,000 $312,238 $6,018 3.16%
    36% 173 $56,745,000 $328,006 $6,167 3.12%
    37% 173 $52,715,000 $304,711 $5,720 3.06%
    42% 168 $60,350,000 $359,226 $6,581 3.13%
    38% 164 $56,910,000 $347,012 $5,925 3.13%
    39% 163 $48,525,000 $297,699 $5,801 3.13%
    48% 163 $48,465,000 $297,331 $6,640 3.13%
    40% 161 $53,925,000 $334,938 $5,959 3.15%
    45% 154 $47,210,000 $306,558 $6,037 3.19%
    41% 150 $45,940,000 $306,267 $6,146 3.13%
    49% 147 $48,955,000 $333,027 $6,201 3.12%
    46% 133 $42,475,000 $319,361 $6,579 3.14%
    47% 119 $39,035,000 $328,025 $6,484 3.10%
    50-60% 98 $31,840,000 $324,898 $9,633 3.01%

    Mortgage Access Corp. lent most frequently to those with DTI ratios of 20-30%, with 1,006 originations. The next most common DTI ratio? 30-36%, with 857 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 3,645 $1,177,525,000 $323,052 $5,643 3.08%
    Black 469 $145,815,000 $310,906 $6,859 3.15%
    Asian 309 $117,905,000 $381,570 $6,049 2.97%
    Not provided 147 $47,345,000 $322,075 $5,768 3.06%
    American Indian 4 $1,360,000 $340,000 $7,518 3.19%
    Native Hawaiian or Islander 4 $1,110,000 $277,500 $7,705 3.38%
    Asian Indian 2 $730,000 $365,000 $4,062 3.12%

    Approval Rates

    Total approvals of all applications
    96.77%

    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 origination
    71.79%

    Mortgage Access Corp. has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 4,580 $1,491,790,000 $325,718

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    4,580 $1,491,790,000 $325,718

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 155 $27,805,000 $179,387 $3,725 2.77%
    40-60% 464 $127,040,000 $273,793 $4,313 2.85%
    60-80% 1,398 $477,290,000 $341,409 $5,184 3.08%
    80-100% 2,478 $830,940,000 $335,327 $6,305 3.14%
    Over 100% 62 $27,210,000 $438,871 $17,174 2.86%
    Under 20% 23 $1,505,000 $65,435 $1,826 3.24%

    Complaints

    Bank Name Product Issue 2021 CPFB Complaints % of Total Issues
    Mortgage Connect LP VA mortgage Closing on a mortgage 1 100.0%