Accredited Mortgage Services

Name

Accredited Mortgage Services

Legal name

Accredited Mortgage Services

Website

https://acc-mortgage.com

Company type

Private

Founded year

2001

Operating status

Operating

Headcount range

11–50 employees

Ownership category

akta.pro rank

Product category

Residential Mortgage Lending

NAICS

Mortgage and Nonmortgage Loan Brokers (522310)

SIC

Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Purchase Mortgage Origination (Homebuyer Focused) (FSALAAAD)

akta.pro secondary industries

Rate-and-Term Refinance Origination (FSALAAAE), Government-Insured Mortgage Origination (FHA/VA/USDA) (FSALAAAI), First-Time Homebuyer (FTHB) Mortgage Origination (FSALAAAG)

Keywords

• Residential mortgage lending
• Home loan origination
• VA home loans
• FHA mortgage loans
• Mortgage refinance services

Headquarters

HQ city

San Antonio

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Mortgage Origination Fees: The company earns revenue through origination fees on mortgage loans it originates, including purchase mortgages, refinances, FHA loans, VA loans, conventional loans, and jumbo loans. Fees are typically calculated as a percentage of the loan amount and paid at closing.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels6 records

Core offering

Accredited Mortgage Services originates residential mortgage loans for home purchase and refinance transactions, offering Fixed Rate, FHA, VA, VA IRRRL, Jumbo, and Investment Property loan products to individual Texas home buyers and homeowners. The company supports these products with free pre-qualification, an online mortgage calculator, and direct loan officer guidance through a four-step Plan, Shop, Qualify, and Close process.

Product overview

Accredited Mortgage Services is a mortgage brokerage offering a comprehensive suite of home financing products and services. The portfolio centers on loan products including Fixed Rate Mortgages, FHA Loans, VA Loans (including the VA IRRRL streamline refinance), and Jumbo Loans for high-value properties. Additional offerings include Investment Property Loans, Cash Out Refinance, and First Time Home Buyer programs. The company also provides supporting services such as free mortgage pre-qualification and an online mortgage calculator. All products are facilitated through a four-step process: Plan, Shop, Qualify, and Close, with the company emphasizing 30-day or less closing timelines.

Differentiator

Problem solved

Functional benefit

Products and services

• Fixed Rate Mortgage
• FHA Home Loan Government-insured FHA loan with flexible qualification requirements, including credit scores as low as 580, allowing home purchase with as little as 3.5% down and refinance up to 97.75% of primary home value, targeted at first-time and lower-down-payment home buyers.
• VA Home Loan VA mortgage benefit loan for veterans, active military members, and military spouses, offering 30-, 20-, and 15-year fixed-rate options and 5-year ARM loans with no down payment required for a primary residence and no monthly private mortgage insurance.
• VA IRRRL Program (VA Streamline Refinance) Interest Rate Reduction Refinancing Loan (IRRRL) for existing VA loan holders, providing a streamlined application with reduced underwriting, no appraisal requirement, and flexible documentation to refinance to a lower interest rate with minimal out-of-pocket closing costs.
• Jumbo Home Loan Large-balance mortgage financing for loan amounts exceeding conforming loan limits, offered with both fixed and adjustable rate options for loans up to $10 million, designed for high-end and luxury property financing.
• Investment Property Loans Mortgage financing for vacation homes and rental investment (non-primary) properties, available in 30-year and 15-year fixed-rate loan programs, targeted at real estate investors and second-home buyers.
• Cash Out Refinance Refinance option that allows borrowers to convert home equity to cash by refinancing for more than the existing mortgage balance, enabling debt consolidation or access to funds for other purposes.
• Mortgage Prequalification Free pre-qualification service that helps prospective buyers understand their purchasing power and credit standing before beginning their home search, including a credit evaluation and loan amount assessment.
• Mortgage Calculator Free online amortization calculator that estimates monthly mortgage payments based on loan amount, interest rate, down payment, and loan term, intended for comparison purposes.

Quantifiable outcome

• Close loans in as few as 15 days
• +3 more outcomes

Named customers1 record

Segments6 records

Ideal customer profiles6 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

One partnership is on record.

• Real Estate Agent Partner NetworkminorChannel Partner/ Reseller/ DistributorAccredited Mortgage Services maintains a network of trusted real estate agents who refer home buyers to the company for mortgage financing. The company also matches customers with real estate agents through these partner relationships. This is a referral-based channel partnership where agents send qualified buyers to the mortgage company.

Scale indicators3 records

Recent moves6 records

Expansion highlights1 record

Broad incumbents

• Rocket Mortgage: Largest U.S. direct-to-consumer mortgage lender. Comparable in offering a fully online quote/apply/pre-qualification flow, but at massive scale and with national brand and marketing spend.
• NewRez: Top-15 U.S. mortgage lender/servicer with full retail and wholesale channels. Comparable on the purchase/refi product line and Texas footprint, but operates far broader servicing infrastructure.
• LoanDepot: National retail and digital mortgage lender offering purchase and refinance products across the same spectrum. Competes for the same Texas consumers via both retail LO and digital channels.
• Caliber Home Loans: National mortgage originator and servicer with strong FHA/VA and home-retention programs. Directly comparable product mix and government-loan specialization, but at materially larger scale.
• Guild Mortgage: Large national retail mortgage lender with deep government-loan (FHA/VA) expertise. Overlaps with Accredited on veteran and government-insured product focus, but operates a multi-state branch network.

Direct peers

• Movement Mortgage: Retail-focused mortgage originator with strong U.S. presence. Comparable for its loan-officer-driven model and broad product line spanning purchase and refi, government and conventional loans.
• PrimeLending: Dallas-headquartered retail mortgage lender serving consumers across many states. Closely analogous product mix (FHA, VA, conventional, Jumbo, refinance) and retail-loan-officer distribution model.
• Supreme Lending: Texas-based retail mortgage originator with a multi-state branch network. Comparable in offering the same suite of FHA/VA/conventional/Jumbo products via retail loan officers, but with far broader geographic reach.
• Veterans United Home Loans: Largest U.S. VA-focused mortgage lender, also offering FHA, conventional, and Jumbo. Highly comparable to Accredited Mortgage Services on the VA loan specialization, but operates nationally rather than in a single Texas metro.

Emerging players

• Better.com: Digital-first mortgage originator aiming to compress the consumer experience to a fully online flow. Comparable in competing for self-serve borrowers in Texas, but without Accredited's white-glove local relationship model.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/accredited-mortgage

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Accredited Mortgage Services