ACC Mortgage
- Company typePrivate
- Founded1998
- HeadquartersRockville, United States
- Headcount51–100
- GTM typeB2B
- OfferingServices
ACC Mortgage firmographics
Firmographics- Name
- ACC Mortgage
- Legal name
- All Credit Considered Mortgage, Inc.
- Website
- https://accmortgage.com
- Company type
- Private
- Founded year
- 1998
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Ownership category
- akta.pro rank
ACC Mortgage industry classification
Industry- Product category
- Non-QM Wholesale Mortgage Lending
- NAICS
- Nondepository Credit Intermediation (5222), Consumer Lending (522291), Credit Intermediation and Related Activities (522)
- SIC
- Mortgage Bankers & Loan Correspondents (6162)
- akta.pro primary industry
- Non-QM / Alternative Documentation Mortgage Origination (FSALAAAJ)
- akta.pro secondary industries
- Closed-End Home Equity Loans (Second Mortgages) (FSALAGAA), Non-Agency (Jumbo/Non-QM) Mortgage Servicing (FSALAEAB), Mortgage Pre-Approval / Prequalification & Lead-to-Loan Retail Origination (FSALAAAN)
Keywords
Where ACC Mortgage is headquartered
LocationHeadquarters
- HQ city
- Rockville
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
ACC Mortgage business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure
Revenue model
- Mortgage Loan Origination: ACC Mortgage originates non-QM mortgage loans through wholesale broker channels. Revenue is generated from origination fees, interest rate spreads, and loan servicing rights. The company processes, underwrites, and closes all loans in-house.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Pay-as-you-go | Non-QM mortgage loan programs - pricing varies by product type |
Go-to-market motion2 records
Distribution channels2 records
Marketing channels4 records
ACC Mortgage product offering
Product offeringCore offering
ACC Mortgage (All Credit Considered Mortgage, Inc.) is a wholesale non-QM (Non-Qualified Mortgage) lender that originates a suite of nine specialized mortgage loan programs — DSCR, ITIN, Foreign National, Asset Depletion, 12-24 Month Bank Statement, Second Chance, Prime, Prime Plus, and Closed-End Seconds — exclusively through licensed mortgage brokers and correspondents. The company processes, underwrites, and closes all loans in-house, delivering 2-3 business day turn times and same-day approvals with closings within 10 business days of appraisal order.
Product overview
ACC Mortgage is a wholesale Non-QM (Non-Qualified Mortgage) lender offering a comprehensive suite of mortgage programs designed for borrowers who do not fit traditional lending criteria. The product portfolio consists of nine core lending programs: DSCR Program for investment property borrowers using debt service coverage ratio; ITIN Mortgage Program for borrowers with Individual Taxpayer Identification Numbers; Foreign National Program for international investors; Asset Depletion Program allowing asset-based qualification; 12-24 Month Bank Statement Program for alternative documentation; Second Chance Purchase Program for credit-challenged borrowers; Prime Program for standard prime borrowers; Prime Plus Program for enhanced prime lending; and Closed-End Seconds Program for secondary financing. The company operates exclusively as a wholesale lender, partnering with mortgage brokers to deliver these specialized loan products.
Differentiator
Problem solved
Functional benefit
Products and services
- DSCR Program
Quantifiable outcome
- Same-day approvals and closing within 10 business days of appraisal order
- +2 more outcomes
Companies that use ACC Mortgage
Customer profileSegments5 records
Ideal customer profiles2 records
ACC Mortgage technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature4 records
ACC Mortgage partnerships and signals
Strategic signalPartnerships
Eight partnerships are on record, tiered core.
- ACT AppraisalcoreApproved Appraisal Management Company (AMC) partner for appraisal ordering. Licensed in all 50 states and D.C. Used for ordering appraisals on loan amounts over $2 million requiring two appraisals.
- Appraisal LinkscoreApproved AMC partner for appraisal ordering. Licensed in select states including AR, AZ, CA, CO, CT, DE, FL, GA, IL, IN, MD, MI, MN, NC, NJ, NV, OK, OR, PA, SC, TN, TX, WA, WV, and VA.
- Ascribe (formerly Property Interlink)coreApproved AMC partner for appraisal ordering. Licensed in AR, AZ, CA, CO, CT, FL, GA, ID, IL, IN, KS, MI, MN, MS, NC, NJ, NV, OK, OR, PA, SC, TN, TX, UT, VA, WA, and D.C.
- Karis Management GroupcoreApproved AMC partner for appraisal ordering. Licensed in AL, CA, DE, FL, GA, LA, MD, NC, NJ, SC, VA, and D.C.
- Palm Beach National Appraisal ManagementcoreApproved AMC partner for appraisal ordering, including for 2-4 unit properties. Licensed in FL, MD, NY, PA, VA, and D.C.
- Valuation Services Appraisal Management CompanycoreApproved AMC partner for appraisal ordering through Appraisal Scope platform.
- Approved Credit Vendors (30+ partners)coreACC Mortgage has partnered with over 30 approved credit vendors including Advantage Partner Solutions, Advantage Credit Bureau, American Reporting Company, Birchwood Credit Services, Certified Credit Reporting, CIC Credit, Credit Technologies, Factual Data, Informative Research, Lenders One, MeridianLink, SettlementOne, Xactus, and others. All ITIN borrowers require an ACC-issued credit report.
- Encompass (ICE Mortgage Technology)coreLoan origination system (LOS) integration. ACC uses Encompass for loan origination and provides tutorials for exporting FNMA 3.4 files and broker portal training.
Scale indicators4 records
Recent moves6 records
Expansion highlights5 records
ACC Mortgage competitors and assessment
Company assessmentBroad incumbents
- NewRez (wholesale non-QM division): Major mortgage lender with a wholesale non-QM division (formerly Caliber Wholesale assets) offering bank statement, DSCR, and investor programs — overlapping products and wholesale broker distribution with ACC but operating at materially larger scale.
- Caliber Home Loans (non-QM wholesale): Large-scale mortgage originator offering non-QM products through its wholesale channel — comparable broker distribution and product overlap, though Caliber operates a significantly broader retail, wholesale, and servicing platform than ACC.
- loanDepot Wholesale: Major mortgage lender operating a wholesale broker channel with non-QM product offerings — competing with ACC for the same broker-sourced non-QM origination volume, though loanDepot has a much larger and more diversified overall platform.
- PRMG (Primary Residential Mortgage Group): Large-scale wholesale and retail mortgage lender with a meaningful non-QM product set distributed through broker partners — comparable wholesale broker channel and product overlap, though PRMG is significantly larger and more diversified.
Direct peers
- Lima One Capital: Specializes in DSCR and rental property investor financing distributed through broker and direct channels, with comparable product features (no income verification, 30-year terms) and similar target borrower segments to ACC's DSCR and investor programs.
- Civic Financial Services: Non-QM lender offering bank statement, asset utilization, and investor programs through wholesale broker channels — overlapping with ACC's Bank Statement and Asset Depletion products.
- A&D Mortgage: Wholesale non-QM lender offering DSCR, bank statement, ITIN, and alternative documentation products through mortgage brokers — directly comparable in product breadth, distribution channel, and target borrower profiles to ACC Mortgage.
- Athas Capital Group: Non-QM wholesale lender with strong presence in DSCR, foreign national, and bank statement products distributed through brokers — comparable product mix and broker-driven GTM motion to ACC.
- Angel Oak Mortgage Solutions: A leading wholesale non-QM lender offering a similar product suite including bank statement, DSCR, and non-QM programs distributed exclusively through mortgage brokers — directly comparable GTM motion and product overlap with ACC Mortgage.
- Deephaven Mortgage: Wholesale-focused non-QM lender serving borrowers through broker channels with programs spanning DSCR, bank statement, and investor products — a closely comparable peer in scale, channel, and borrower segments to ACC.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
ACC Mortgage social profiles
Digital presenceACC Mortgage financial estimates
Financial estimateRevenue estimate
Valuation estimate
ACC Mortgage leadership team
Management profileNumber of profiles
ACC Mortgage funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
ACC Mortgage M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about ACC Mortgage
What does ACC Mortgage do?
ACC Mortgage (All Credit Considered Mortgage, Inc.) is a wholesale non-QM (Non-Qualified Mortgage) lender that originates a suite of nine specialized mortgage loan programs — DSCR, ITIN, Foreign National, Asset Depletion, 12-24 Month Bank Statement, Second Chance, Prime, Prime Plus, and Closed-End Seconds — exclusively through licensed mortgage brokers and correspondents. The company processes, underwrites, and closes all loans in-house, delivering 2-3 business day turn times and same-day approvals with closings within 10 business days of appraisal order.
Is ACC Mortgage a public or private company?
ACC Mortgage is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was ACC Mortgage founded?
ACC Mortgage was founded in 1998. It employs 51 to 100 people.
Where is ACC Mortgage based?
ACC Mortgage is headquartered in Rockville, United States, in the North America region.
How does ACC Mortgage make money?
One revenue line is on record: mortgage Loan Origination.
Who are ACC Mortgage's main competitors?
Broad incumbents on record are NewRez (wholesale non-QM division), Caliber Home Loans (non-QM wholesale), loanDepot Wholesale and PRMG (Primary Residential Mortgage Group). Direct peers are Lima One Capital, Civic Financial Services, A&D Mortgage, Athas Capital Group, Angel Oak Mortgage Solutions and Deephaven Mortgage.
Does ACC Mortgage have an API?
No public API is recorded for ACC Mortgage.
What industry is ACC Mortgage in?
ACC Mortgage's product category is Non-QM Wholesale Mortgage Lending. Its primary akta.pro industry code is FSALAAAJ, Non-QM / Alternative Documentation Mortgage Origination, with a secondary code of FSALAGAA, Closed-End Home Equity Loans (Second Mortgages). Its NAICS code is 5222 and its SIC code is 6162.