Home Access Financial at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the B 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%
90th1.9% deniedPricingmedian rate spread over APOR, weight 30%
26th0.57 ptsProcesswithdrawn + incomplete share, weight 15%
8th27.6%Closing coststotal loan costs ÷ loan amount, weight 10%
14th3.30% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 295 | 151 | 0.0% | 0.0% | 6.75% | $39M |
| 2024 | 215 | 130 | 0.0% | 0.0% | 6.75% | $41M |
| 2025 | 145 | 103 | 1.4% | 1.9% | 6.75% | $33M |
What Home Access Financial 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, 5 manufactured homes, 2 investment properties.
Why Home Access Financial denies applications
Primary reason reported for each of the 2 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Home Access Financial
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 67 | 50 | 0.0% |
| $100k – $150k | 29 | 21 | 0.0% |
| $150k – $250k | 25 | 17 | 5.6% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 35 | 30 | 3.2% |
| 35–44 | 44 | 26 | 0.0% |
| 45–54 | 30 | 20 | 4.8% |
Where Home Access Financial lends
7 states and 42 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Florida | 101 | 75 | 0.0% | 6.75% | #482 |
| Georgia | 13 | 10 | 0.0% | 6.13% | #634 |
| South Carolina | 11 | 10 | 0.0% | 6.75% | #522 |
| North Carolina | 5 | 4 | 0.0% | 6.38% | #731 |
Frequently asked questions
Home Access Financial denied 1.9% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 90th percentile of small mortgage lenders.
The most common reason Home Access Financial gave in 2025 was "credit history", cited on 100.0% 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 Home Access Financial originated in 2025 was 6.75%, and its median rate spread over the average prime offer rate was 0.57 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 92% of its applications were for home purchases, 8% for refinancing (including cash-out), and 0% for home improvement or other purposes. By loan type: 53% conventional, 47% FHA, 0% 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.