Access Bank
Access Bank received 651 applications in 2025 and made 566 mortgages, in 55 counties across 20 states. The median rate its borrowers got was 6.375% on a median loan of $255,000. Of 584 decisions, 13 were denials — 2.2%, most often for debt-to-income ratio.
| Legal Entity Identifier | 5493009PLGT79KQ6HO15 |
|---|---|
| Applications received | 651 |
| Mortgages made | 566 |
| Denied | 13 |
| Approved, not taken up | 5 |
| Withdrawn or incomplete | 67 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.04 points |
| FDIC-insured bank | Yes: Access Bank, 6 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 494 | 6.375% | $255,000 | 1.2% |
| Refinancing | 44 | 6.125% | $265,000 | 8.3% |
| Cash-out refinancing | 18 | 6.750% | $245,000 | 13.6% |
| Other purposes | 10 | 7.500% | $180,000 | 0.0% |
Where Access Bank lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Douglas County, NE | 338 | 6.375% | 2.9% |
| Sarpy County, NE | 107 | 6.375% | 0.9% |
| Pottawattamie County, IA | 27 | 6.375% | 3.6% |
| Lancaster County, NE | 10 | 6.308% | 0.0% |
| Mills County, IA | 9 | Under 10 loans | 0.0% |
| Washington County, NE | 9 | Under 10 loans | 0.0% |
| Saunders County, NE | 7 | Under 10 loans | 0.0% |
| Cass County, NE | 6 | Under 10 loans | 0.0% |
| Maricopa County, AZ | 3 | Under 10 loans | 0.0% |
| Harrison County, IA | 3 | Under 10 loans | 0.0% |
| Dodge County, NE | 3 | Under 10 loans | 0.0% |
| Polk County, IA | 2 | Under 10 loans | 0.0% |
| Buchanan County, MO | 2 | Under 10 loans | 0.0% |
| Burt County, NE | 2 | Under 10 loans | 0.0% |
| Madison County, NE | 2 | Under 10 loans | 0.0% |
| Bexar County, TX | 2 | Under 10 loans | 0.0% |
| Pinal County, AZ | 1 | Under 10 loans | 0.0% |
| Los Angeles County, CA | 1 | Under 10 loans | 0.0% |
| Arapahoe County, CO | 1 | Under 10 loans | 0.0% |
| Douglas County, CO | 1 | Under 10 loans | 0.0% |
| El Paso County, CO | 1 | Under 10 loans | 0.0% |
| Collier County, FL | 1 | Under 10 loans | 0.0% |
| Pinellas County, FL | 1 | Under 10 loans | 0.0% |
| Volusia County, FL | 1 | Under 10 loans | 0.0% |
| Cook County, IL | 1 | Under 10 loans | 0.0% |
| Dallas County, IA | 1 | Under 10 loans | 0.0% |
| Dickinson County, IA | 1 | Under 10 loans | 0.0% |
| Fremont County, IA | 1 | Under 10 loans | 0.0% |
| Webster County, IA | 1 | Under 10 loans | 0.0% |
| Ascension Parish, LA | 1 | Under 10 loans | 0.0% |
| Chisago County, MN | 1 | Under 10 loans | 0.0% |
| Freeborn County, MN | 1 | Under 10 loans | 0.0% |
| Morgan County, MO | 1 | Under 10 loans | 0.0% |
| Buffalo County, NE | 1 | Under 10 loans | 0.0% |
| Jefferson County, NE | 1 | Under 10 loans | 0.0% |
| Johnson County, NE | 1 | Under 10 loans | 0.0% |
| Nemaha County, NE | 1 | Under 10 loans | 0.0% |
| Otoe County, NE | 1 | Under 10 loans | 0.0% |
| Pierce County, NE | 1 | Under 10 loans | 0.0% |
| Platte County, NE | 1 | Under 10 loans | 0.0% |
| Seward County, NE | 1 | Under 10 loans | 0.0% |
| Santa Fe County, NM | 1 | Under 10 loans | 0.0% |
| Cleveland County, OK | 1 | Under 10 loans | 0.0% |
| Allegheny County, PA | 1 | Under 10 loans | 0.0% |
| Charleston County, SC | 1 | Under 10 loans | 0.0% |
| Val Verde County, TX | 1 | Under 10 loans | 0.0% |
| Chesterfield County, VA | 1 | Under 10 loans | 0.0% |
| Chesapeake city, VA | 1 | Under 10 loans | 0.0% |
| Pierce County, WA | 1 | Under 10 loans | 0.0% |
| Berkeley County, WV | 1 | Under 10 loans | 0.0% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.