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Accelin Loans Mortgage Review 2025
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At a glance
Editor's take
If you’re a borrower in Colorado, Oregon or Washington, Accelin Loans could help you find the right loan for your needs. This brokerage assists with obtaining quotes from different lenders, plus offers an online application when you’re ready to make your move.
Bankrate Score
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
3.5
Rating: 3.5 stars out of 5
Customer Rating
Star ranking and total number reflects the lifetime customer reviews received while this lender has been an advertiser on Bankrate.
To help serve you with relevant information, the customer reviews shown are limited to only those that this advertiser has received during the past 12 months.
4.7
Loans offered
Conventional, jumbo, FHA, VA, USDA, refinancing
Min. credit score required
620 for conventional loans
Nationwide availability
Colorado, Oregon and Washington
Min. down payment
3.5% for FHA loans
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
Pros and cons of Accelin Loans
Pros
-
Can begin application with simple, short online form
-
More options with a broker
Cons
-
Only operates in three states
-
Doesn't disclose interest rates, minimum borrower requirements or fees online; you must start the application process first
How Bankrate scored Accelin Loans
Affordability: 3.3/5
Because of Accelin’s lack of rate and fee transparency, which would help borrowers compare costs with other lenders, it scored 3.3 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 averages. 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 percent down, along with FHA loans for 3.5 percent 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 percent of the loan amount on these expenses. Your loan estimate will disclose your expected closing costs.
Availability: 3.4/5
While Accelin offers a wide variety of loans, its small geographic footprint reduced its score to 3.4 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 Colorado, Oregon and Washington.
- Where to find: You can apply with Accelin Loans directly on its website or by calling 888-315-6319. If you live near its branch location in Bothell, Washington, you can also apply in person.
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:
Bankrate consumer statistics
How do we get this data?
This information was collected from users who submitted a form on Bankrate to connect with Accelin Loans about a purchase mortgage in 2024.
First time homebuyer:
50% were first time homebuyers
Credit score:
91% reported having a credit score of 700 or higher
Down payment:
36% planned to put down less than 20%
Last updated January 23, 2025
Borrower experience: 3.9/5
Quick closings are offset by a lack of rate transparency, leading to a score of 3.9 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, email and online form. You can also stop by its branch location if you live nearby. On its website, the broker states someone will respond to your online form submission within 10 minutes.
Accelin Loans reputation
Accelin Loans has been in business for more than five years. The broker isn’t accredited by the Better Business Bureau and does not hold a rating from the organization at the time of this writing. However, Accelin Loans gets solid customer reviews on Bankrate.
Lender compare
Compare Accelin Loans to other lenders
Mortgage rates and fees can vary widely across lenders. You can use the drop downs to explore beyond these lenders and find the best option for you.
NMLS: 1574660
State License: ML-5526-1
3.5
Rating: 3.5 stars out of 5
Bankrate Score
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
Recent Customer Reviews
Star ranking and total number reflects the lifetime customer reviews received while this lender has been an advertiser on Bankrate. To help serve you with relevant information, the customer reviews shown are limited to only those that this advertiser has received during the past 12 months.
4.7
NMLS: 399798
4.9
Rating: 4.9 stars out of 5
Bankrate Score
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
Recent Customer Reviews
Star ranking and total number reflects the lifetime customer reviews received while this lender has been an advertiser on Bankrate. To help serve you with relevant information, the customer reviews shown are limited to only those that this advertiser has received during the past 12 months.
4.0
Refinancing with Accelin Loans
Accelin Loans offers rate-and-term and cash-out refinancing. To get started, you’ll need to answer several questions on 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 rate quote, provided you qualify.
Learn more:
How to choose the right type of refinance
How to apply for a mortgage with Accelin Loans
You can apply for a mortgage with Accelin Loans in person at its branch location, online or by phone at 888-315-6319. Here are some tips to prepare for the process:
- Check your credit report. It’s important to check your credit report before your lender does, in case there are errors that could impact not only whether you get preapproved but also your ability to get the best mortgage rate. Knowing your credit score also helps you decide what type of loan to apply for. If your score is in the very low 600s, for instance, an FHA mortgage might be best for you, as its standards are more lenient than those for conventional loans.
- Gather personal and financial documents. With any lender, you must supply documentation about your income, assets and debts. This includes pay stubs and W-2s and account and loan statements.
- Provide details about the property. You’ll need to provide the address of the home and submit to a home appraisal. (If you’re refinancing, you might or might not need an appraisal.)
Learn more:
How to get a mortgage
Bankrate insight
Find out how to choose the best mortgage lender for your situation with these six tips.
Accelin Loans customer ratings and reviews
4.7
61 ratings
Star ranking and total number reflects the lifetime customer reviews received while this lender has been an advertiser on Bankrate. To help serve you with relevant information, the customer reviews shown below are limited to only those that this advertiser has received during the past 12 months.
This lender has 12 recent reviews.
Knowledge
Level of service
Professionalism
Responsiveness
93% of customers would recommend this lender.
10 of 12 reviews
The consumer reviews posted on Bankrate.com ("Bankrate") are individual, subjective opinions of reviewers, and not of Bankrate. Bankrate does not endorse any of the opinions expressed by reviewers or any responses to reviews.
Bankrate cannot guarantee or verify the accuracy of the opinions shared by individual reviewers, and reserves the right to reject or remove any review, at any time, for any reason at Bankrate’s sole discretion, including but not limited to those that Bankrate deems inappropriate, fraudulent, invalid, irrelevant, or otherwise outside the parameters of the Bankrate Review Guidelines, the Privacy Policy, or the Terms of Use.
In addition to collecting reviews on-site, Bankrate collaborated with third-party Slice MR to survey 750 homeowners nationwide in July 2024. Bankrate and Slice MR collected, averaged and presented responses to nine questions. Users received an incentive for their feedback. Responses are based on individual experiences, and therefore cannot be verified for accuracy. Submissions with user ratings that are materially inconsistent with written sentiment have been removed. User ratings are unedited and have not been reviewed or approved by lenders, nor do these ratings reflect Bankrate’s own reviews of these lenders.
To help serve you with relevant information, the consumer reviews shown below are limited to only those that this advertiser has received during the past 12 months.
Knowledge
Level of service
Professionalism
Responsiveness
Rates and terms of loan honored?
Closed mortgage with this lender?
Closed on time?
Would you recommend this lender?
Knowledge
Level of service
Professionalism
Responsiveness
Rates and terms of loan honored?
Closed mortgage with this lender?
Closed on time?
Would you recommend this lender?
Avoid Accelin Loan like your peace of mind depends on it—because it does.
Patrick, owner of Accelin Loan, is the most toxic, unstable, and emotionally abusive person I’ve ever dealt with in any professional setting. His emails were a rollercoaster of verbal attacks, gaslighting, and pure cruelty. This man doesn’t just lack professionalism—he lacks basic human decency. He thrives on control, chaos, and making others suffer. From cruel manipulation to ghosting, delays, and emotional games—his behavior was sadistic. It’s not just bad business—it’s disturbing. No one should have to be subjected to his abuse, whether in a personal or professional setting. Avoid Accelin Loan like your peace of mind depends on it—because it does.
Knowledge
Level of service
Professionalism
Responsiveness
Rates and terms of loan honored?
No
Closed mortgage with this lender?
No
Would you recommend this lender?
No
Olia
Seattle (April 9, 2025)
Knowledge
Level of service
Professionalism
Responsiveness
Rates and terms of loan honored?
No
Closed mortgage with this lender?
No
Would you recommend this lender?
No
Excellent Communication
I've been looking for a lender since 2 years, and I hadn't been able to find a good lender but when I found the Accelin Loans, and Jesse gave great advice and was a good communicater. From the begining Jesse was a consitent clear and quick communicater. He gave great advice and was felxible with helping me find a good rate. Even though I wasn't able to meet Jesse in person but I could tell that he was really good at what he does. I was really impressed by his work.
Knowledge
Level of service
Professionalism
Responsiveness
Rates and terms of loan honored?
Yes
Closed mortgage with this lender?
Yes
Closed on time?
Yes
Would you recommend this lender?
Yes
Puspa M.
Washington (Nov. 19, 2024)
Knowledge
Level of service
Professionalism
Responsiveness
Rates and terms of loan honored?
Yes
Closed mortgage with this lender?
Yes
Closed on time?
Yes
Would you recommend this lender?
Yes
The whole mortgage process felt so smooth and easy. The team was patient, explained every step in plain language, and was always just a call or message away when I had questions
“I can’t say enough good things about my experience with Accelin loans ! From the very first call, I felt like they were truly on my side. The whole mortgage process felt so smooth and easy. The team was patient, explained every step in plain language, and was always just a call or message away when I had questions. They kept me updated, so I never felt left in the dark. I got my approval faster than I expected, and I could really tell they cared about making this as stress-free as possible for me. Highly recommend Accelin loans to anyone looking for a personal touch in their mortgage journey!”
Knowledge
Level of service
Professionalism
Responsiveness
Rates and terms of loan honored?
Yes
Closed mortgage with this lender?
Yes
Closed on time?
Yes
Would you recommend this lender?
Yes
Olga S.
Tacoma (Nov. 12, 2024)
Knowledge
Level of service
Professionalism
Responsiveness
Rates and terms of loan honored?
Yes
Closed mortgage with this lender?
Yes
Closed on time?
Yes
Would you recommend this lender?
Yes
Classic Bait & Switch
I called Accelin to get a quote for my refinance after seeing an attractive advertised rate on BankRate.com. I gave the loan representative my identical details that I listed on the site. I was surprisingly quoted .25% higher than the advertisement as wasn't told why! I'm glad I called this company for their real rates but I wish they would just publish real rates to save everyone time and energy.
Knowledge
Level of service
Professionalism
Responsiveness
Rates and terms of loan honored?
No
Closed mortgage with this lender?
No
Would you recommend this lender?
No
Kelly C.
Gig Harbor,WA (Nov. 5, 2024)
Knowledge
Level of service
Professionalism
Responsiveness
Rates and terms of loan honored?
No
Closed mortgage with this lender?
No
Would you recommend this lender?
No
Best buying experience and service
I cannot recommend Accelin Loans enough. No one can beat their rates and fees and I've never had such excellent customer service. Callie and her team were excellent communicators and always available, even at 9pm or on weekends. We got quick responses that answered all our questions and made us feel comfortable and supported. We tell all our friends to use Accelin on their home purchases now. They won't be disappointed!
Knowledge
Level of service
Professionalism
Responsiveness
Rates and terms of loan honored?
Yes
Closed mortgage with this lender?
Yes
Closed on time?
Yes
Would you recommend this lender?
Yes
Asper
Spokane, WA (Oct. 24, 2024)
Knowledge
Level of service
Professionalism
Responsiveness
Rates and terms of loan honored?
Yes
Closed mortgage with this lender?
Yes
Closed on time?
Yes
Would you recommend this lender?
Yes
Great experience with Accelin
Choosing Accelin as our lender helped us secure the best interest rate possible for our home purchase. They did a great job in guiding first time home buyers throughout the entire process and were available even during off hours to hop on calls and answer questions for us. We had a great experience with Accelin and will recommend them to family and friends.
Knowledge
Level of service
Professionalism
Responsiveness
Rates and terms of loan honored?
Yes
Closed mortgage with this lender?
Yes
Closed on time?
Yes
Would you recommend this lender?
Yes
Ruben S.
WA (Oct. 23, 2024)
Knowledge
Level of service
Professionalism
Responsiveness
Rates and terms of loan honored?
Yes
Closed mortgage with this lender?
Yes
Closed on time?
Yes
Would you recommend this lender?
Yes
Thank you for helping me on my refinance and new property purchase
Accelin was my top pick, and I’m so glad I went with them. The team is incredibly responsive and truly prioritizes their customers. A big thank you to Jesse for his exceptional support—I’m impressed by his customer-first mindset and his dedication to securing the best rate.
Knowledge
Level of service
Professionalism
Responsiveness
Rates and terms of loan honored?
Yes
Closed mortgage with this lender?
Yes
Closed on time?
Yes
Would you recommend this lender?
Yes
Wenchong
Seattle (Oct. 23, 2024)
Knowledge
Level of service
Professionalism
Responsiveness
Rates and terms of loan honored?
Yes
Closed mortgage with this lender?
Yes
Closed on time?
Yes
Would you recommend this lender?
Yes
Fast, efficient, best rates, lowest closing costs
I've worked with Accelin on three separate mortgages, and with Callie specifically on two of those. You won't find better rates, lower closing costs, or a more efficient team anywhere.
Knowledge
Level of service
Professionalism
Responsiveness
Rates and terms of loan honored?
Yes
Closed mortgage with this lender?
Yes
Closed on time?
Yes
Would you recommend this lender?
Yes
Josh
Tacoma (Oct. 23, 2024)
Knowledge
Level of service
Professionalism
Responsiveness
Rates and terms of loan honored?
Yes
Closed mortgage with this lender?
Yes
Closed on time?
Yes
Would you recommend this lender?
Yes
Fast and Great service!
We got pre approved quickly so we could start making offers on future home!
Knowledge
Level of service
Professionalism
Responsiveness
Rates and terms of loan honored?
Yes
Closed mortgage with this lender?
Yes
Closed on time?
Yes
Would you recommend this lender?
Yes
Irina K.
Auburn (Oct. 22, 2024)
Knowledge
Level of service
Professionalism
Responsiveness
Rates and terms of loan honored?
Yes
Closed mortgage with this lender?
Yes
Closed on time?
Yes
Would you recommend this lender?
Yes
Honesty is the best policy
I went to Bankrate to get a quote on a purchase loan, and Accelin reached out to me after Bankrate recommended they send me a quote for a competitive mortgage rate. However, when I followed up, they couldn’t honor the rate because my escrow was considered too short. This wasn’t explained upfront, and it felt like the rate advertised wasn’t truly available under normal circumstances. While I understand there are factors that impact rates, clearer communication would have helped set better expectations from the start.
Knowledge
Level of service
Professionalism
Responsiveness
Rates and terms of loan honored?
No
Closed mortgage with this lender?
No
Would you recommend this lender?
No
Mortgage P.
USA (Oct. 14, 2024)
Knowledge
Level of service
Professionalism
Responsiveness
Rates and terms of loan honored?
No
Closed mortgage with this lender?
No
Would you recommend this lender?
No
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