Acre Mortgage & Financial
We analyzed every closed loan from Acre Mortgage & Financial — 675 loans across 950 applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Mediocre
1/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA
Place
Sound
3/5
Multi-Region · 10 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in FHA and VA loans
Things to Think About
- Rates typically 64 basis points above market average
- Higher than average fees ($4,179)
Explore another lender or local market
Report Card
Acre Mortgage & Financial performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Mediocre
+64.2 bps above market avg
1/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
322 loans · 0.50% above market
Sound
Top 60% of lenders
3/5
FHA
312 loans · 0.86% above market
Strong
Top 40% of lenders
4/5
VA
34 loans · 0.19% above market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
581 loans · 0.64% above market
Strong
Top 40% of lenders
4/5
Refinance
94 loans · 0.62% above market
Sound
Top 60% of lenders
3/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 11 markets
Sound
Top 60% of lenders
3/5
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 322 | 47.7% | +0.500%Above | $3,756Fees | ||||
FHA Loans | 312 | 46.2% | +0.858%Above | $4,656Fees | ||||
VA Loans | — | 34 | 5.0% | +0.186%Above | $4,838Fees |
Conventional
OverallSound
ProductSound
PricingMediocre
Pull ThroughSound
Volume322
Mix47.7%
Spread
+0.500%Above
Fees
$3,756Fees
FHA Loans
OverallSound
ProductStrong
PricingMediocre
Pull ThroughStrong
Volume312
Mix46.2%
Spread
+0.858%Above
Fees
$4,656Fees
VA Loans
OverallStrong
ProductStrong
Pricing—
Pull ThroughExceptional
Volume34
Mix5.0%
Spread
+0.186%Above
Fees
$4,838Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 581 | 86.1% | +0.644%Above | $4,178Fees | ||||
Refinance | 94 | 13.9% | +0.624%Above | $4,184Fees |
Purchase
OverallSound
ProductStrong
PricingMediocre
Pull ThroughSound
Volume581
Mix86.1%
Spread
+0.644%Above
Fees
$4,178Fees
Refinance
OverallSound
ProductSound
PricingMediocre
Pull ThroughSound
Volume94
Mix13.9%
Spread
+0.624%Above
Fees
$4,184Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
675
Applications
950
Volume
$200 million
Pricing & Closing
Avg Rate Spread
+0.642%
vs. market APOR
Avg Net Fees
$4,179
Origination − Credits
Pullthrough Rate
71.1%
Applications → Closed
Typical Borrower
Avg Loan Amount
$297,696
Avg Borrower Income
$115,450
Avg Property Value
$356,908
Geographic Coverage
Geographic Performance
Metro Areas
10
markets with activity
States Served
13
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
13Full-year 2024 · HMDALoans originated
< 1010–2020–5050+None
Northeast3
CTNJPA
Midwest1
IN
South9
ALDEFLGAMDNCSCTXVA
Top States by Place Specialization Score
How We Rank Lenders
Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.
Our Point System (Max 50 Points)
10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion(80%+ = 40-50 points)
Superstar(60-79% = 30-39 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
Looking for a different lender?
Are you the owner of Acre Mortgage & Financial?
Claim this profile to add your business logo, highlight verified loan officers, collect verified reviews, and customize your marketing presence.
The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.