Access Bank at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the A grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
88th2.2% deniedPricingmedian rate spread over APOR, weight 30%
78th0.04 ptsProcesswithdrawn + incomplete share, weight 15%
56th10.3%Closing coststotal loan costs ÷ loan amount, weight 10%
69th1.41% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 556 | 458 | 4.0% | 4.5% | 6.75% | $126M |
| 2024 | 573 | 477 | 2.8% | 3.2% | 6.63% | $160M |
| 2025 | 651 | 566 | 2.0% | 2.2% | 6.38% | $169M |
What Access Bank lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 2 manufactured homes, 48 investment properties.
Why Access Bank denies applications
Primary reason reported for each of the 13 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Access Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 31 | 24 | 4.0% |
| $50k – $100k | 273 | 229 | 3.3% |
| $100k – $150k | 141 | 129 | 0.8% |
| $150k – $250k | 116 | 106 | 1.9% |
| Over $250k | 60 | 52 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 47 | 42 | 0.0% |
| 25–34 | 203 | 183 | 2.7% |
| 35–44 | 172 | 149 | 2.0% |
| 45–54 | 101 | 86 | 1.1% |
| 55–64 | 60 | 50 | 3.8% |
| 65–74 | 32 | 27 | 3.6% |
Where Access Bank lends
20 states and 55 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
Access Bank denied 2.2% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 88th percentile of small mortgage lenders.
The most common reason Access Bank gave in 2025 was "debt-to-income ratio", cited on 46.2% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans Access Bank originated in 2025 was 6.38%, and its median rate spread over the average prime offer rate was 0.04 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 86% of its applications were for home purchases, 12% for refinancing (including cash-out), and 2% for home improvement or other purposes. By loan type: 77% conventional, 16% FHA, 7% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.