Accelin Loans Mortgage Review 2026

Pros and cons of Accelin Loans

How Bankrate scored Accelin Loans

Affordability: 3.4/5

Because of Accelin’s lack of rate and fee transparency, which would help borrowers compare costs with other lenders, it scored 3.4 out of 5 stars for affordability.

• Interest rates: Since Accelin Loans doesn’t show mortgage rates online, it's difficult to compare its rates to Bankrate's national average mortgage rates. This can make it hard to compare rates with other lenders to see where you could get the best deal.
• Down payment: The broker offers conventional loans with just 3% down, and FHA loans for 3.5% down. USDA and VA loans do not have down payment requirements. 
• Fees: Accelin Loans does not disclose fees on its website, so you'll need to speak with a representative to learn more about these costs.
• Closing costs: While closing costs vary by borrower and loan type, you can expect to pay between 2% and 5% of the loan amount on these expenses. Your loan estimate will disclose your expected closing costs.

Availability: 4.2/5

While Accelin offers a wide variety of loans, its small geographic footprint reduced its score to 4.2 out of 5 stars for availability.

• Home loans offered: Accelin Loans can connect you with a range of mortgage programs to meet various needs, including conventional, FHA, VA and USDA loans. You can also refinance your current mortgage or take out a jumbo loan.
• Footprint: The broker operates in Washington, Colorado and Oregon.
• Where to find: You can apply with Accelin Loans directly on its website or by calling 888-315-6319.

To help you better understand what types of borrowers are interested in this lender, here’s more information about Bankrate users who submitted a form to this lender through our site:

Borrower experience: 3.5/5

Quick closings are offset by a lack of rate transparency, leading to a score of 3.5 out of 5 stars for borrower experience.

• Application and preapproval process: Through the Accelin Loans website, you can get preapproved for a mortgage or refinance; the application takes about 10 minutes to complete. While there’s no mobile app, there is a mortgage calculator available online. The broker typically closes in 30 days, although this varies by borrower.
• Transparency: Accelin Loans doesn’t display mortgage rates on its website. To get current rates, you’ll need to first answer a series of questions, such as where you live, what kind of home you’re purchasing, how much of a down payment you anticipate fronting, the cost of the home and your income. After receiving and reviewing this information, the broker will follow up with a custom quote and consultation. 
• Customer service: Accelin has many contact methods available, including by phone (888-315-6319), email and online form. 

Accelin Loans reputation

Accelin Loans has been in business for about eight years. The broker has an A+ rating from the Better Business Bureau, though the company isn’t accredited by the BBB.

• Methodology

  To determine a mortgage lender's Bankrate Score, Bankrate rates lenders on a scale of one (1) to five (5) stars — with five (5) the highest rating — based on a variety of factors relating to the lender's products and services. To assign our ratings, we assessed each mortgage lender across three core areas:

  • Affordability: Annual percentage rate (APR) - 80%; assistance for first-time homebuyers - 10%; down payment - 10%
  • Availability: Loan products - 50%; licensing - 40%; credit score - 10%
  • Borrower experience: Rate transparency - 35%; customer service - 35%; convenience - 20%; rate locks - 10%; reputation (if applicable)

  Learn more about our methodology.