Access Bank mortgage approval rate & lending review
Access Bank decided 1,318 mortgage applications and funded 1,251 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Access Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Access Bank at a glance
Approval is 10.5 points above the 86.0% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 97% | 1,056 / 1,084 | 99% | $245K | 1,042 |
| Cash-out refinance | 84% | 32 / 38 | 91% | $255K | 29 |
| Refinance | 92% | 59 / 64 | 98% | $265K | 58 |
| Investment property purchase | 100% | 98 / 98 | 97% | $185K | 95 |
Access Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Nebraska | 97% | $245K | 1,256 | 1,192 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Access Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Douglas County, NE | Mortgage lenders | 97% | 797 | 764 |
| Sarpy County, NE | Mortgage lenders | 98% | 234 | 226 |
| Douglas County, NE | Investment property purchase | 100% | 59 | 57 |
| Douglas County, NE | Refinance | 91% | 45 | 40 |
| Lancaster County, NE | Mortgage lenders | 100% | 20 | 19 |
| Douglas County, NE | Cash-out refinance | 75% | 24 | 17 |
The county markets where Access Bank made the most loans. Each link opens that market with every lender ranked.
Questions about Access Bank
What is Access Bank's mortgage approval rate?
Access Bank approved 96.6% of the 1,318 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 10.5 points above the 86.0% national rate for the same mix of loan types.
How often do borrowers take the loan Access Bank offers?
Borrowers accepted 98% of the loans Access Bank approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Access Bank make?
The typical home purchase mortgage loan Access Bank made was $245K; across all loan types its typical loan ran from $185K to $265K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Access Bank lend?
Access Bank decided applications in 22 of the states Fat Boy Data covers, most of them in Nebraska, Arizona and Florida.
Can I apply to Access Bank directly?
Yes. Access Bank is a bank or credit union with 5 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Access Bank's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Access Bank treats applications, then get a rate quote from the lender.