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Accelin Loans Mortgage Review 2023

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At a glance

Accelin Loans


Rating: 4.1 stars out of 5
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Bankrate Score

Mortgage Percent

Loans offered

Conventional, jumbo, FHA, VA, USDA, fixed-rate, adjustable-rate; rate-and-term and cash-out refinancing


Nationwide Availability

Available in Colorado, Oregon, Texas and Washington

Credit Good

Min. credit score required

620 for conventional loans

Pros and cons

Checkmark Pros

  • Can begin application with simple, short online form
  • More options with a broker
  • No cost to get preapproved

Close X Cons

  • Only operates in four states
  • Doesn't disclose interest rates, minimum borrower requirements or fees online; you must start the application process first

Accelin Loans overview

Accelin Loans is a mortgage broker founded in 2017 and operating out of Bothell, Washington. The broker works with mortgage lenders to find the best rates and loan products for borrowers in Colorado, Oregon, Texas and Washington. You can start the preapproval process with this broker online and receive a quote as early as that same day. Accelin Loans won't close your application until after you've closed on a home, so the time it takes to complete the process can vary. There might be discounts or reduced fees available, but it's on a per-case basis and depends on market conditions and your individual situation.

Accelin Loans is good for

Borrowers in Colorado, Oregon, Texas or Washington looking to get quotes from different lenders, are comfortable with an online application or would prefer to work with a broker 

Breakdown of Accelin Loans overall score

  • Affordability: Accelin Loans is a broker, which means it works with lenders to find the most competitive deals and guide you through the home financing process. To learn your specific rate and all-in costs, you’ll need to consult with the broker directly.

  • Availability: Accelin Loans only works with borrowers in four states.

  • Borrower experience: As a broker, Accelin places a high emphasis on customer service. Its website lacks some key capabilities, however, if you’re looking for a more convenient digital experience.


To determine a mortgage lender’s Bankrate Score, Bankrate’s editorial team rates lenders on a scale of one to five stars based on a variety of factors relating to the lender’s products and services. Bankrate’s partners compensate us, but our opinions are our own, and partner relationships do not influence our reviews. Here is our full methodology.

Affordability: 3/5

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.Accelin Loans does charge lender fees, which vary by loan product. Notably, jumbo loans come with reduced fees.

Availability: 5/5

Accelin Loans can connect you with a range of mortgage programs to meet various needs, including conventional, FHA, VA and USDA loans. The broker operates in Colorado, Oregon, Texas and Washington.Borrower experience: 4.6/5Accelin Loans has been in business for more than five years. The broker isn’t accredited by the Better Business Bureau, but has an A+ rating from the organization.

Through the Accelin Loans website, you can get preapproved for a mortgage or refinance. While there’s no mobile app, there is a mortgage calculator and a free refinance analysis available online. The broker typically closes in 30 days, although this varies by borrower. If you have questions about a mortgage or are ready to get started, you can call Accelin at 888-315-6319.

Refinancing with Accelin Loans

Through Accelin Loans, you can refinance for a fixed-rate loan, adjustable-rate mortgage (ARM), conventional, jumbo, FHA, VA or USDA loan. The loan term you refinance to can vary from five years to 30 years. To get started, you’ll need to answer several questions through the website, including about your home’s current value and your current loan balance and interest rate. As with a purchase loan, the broker will contact you with a free refinance quote after reviewing your inquiry.

Alternatives to Accelin Loans

  • New Fed Mortgage review – A smaller-size lender licensed primarily in the Northeast and some parts of the Midwest and South, New Fed Mortgage notably offers loan savings to borrowers in public service.
  • First Rate Mortgage review – This lender can prequalify eligible borrowers within a day, but you’ll have a hard time getting rate quotes online.
  • eClick Lending review – This online-only lender is available in more states and offers two-week closings.

Accelin Loans consumer reviews



Rating: 5 stars out of 5

49 reviews

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About consumer ratings

Customer service rating

Rating: 5 stars out of 5
Level of service
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Rating: 5 stars out of 5
Rating: 5 stars out of 5

100% of reviews would recommend this lender

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Written by

Jackie Lam

Contributing writer

Jackie Lam is a contributing writer for Bankrate. Jackie writes about auto loans.

Edited by

Suzanne De Vita

Arrow Right

Mortgage editor