Pacor Mortgage
Pacor Mortgage has 282 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Acceptable
2/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Sound
3/5
FHA · Conventional · VA
Place
Strong
4/5
Multi-Region · 3 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Summary
Things to Think About
- Rates typically 58 basis points above market average
Explore another lender or local market
Report Card
Pacor Mortgage performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+57.7 bps above market avg
2/5
Pull Through
Closing strength
Sound
Top 60% of lenders
3/5
By Loan Product· Specialization by type
Conventional
225 loans · 0.55% above market
Sound
Top 60% of lenders
3/5
FHA
43 loans · 0.96% above market
Sound
Top 60% of lenders
3/5
VA
11 loans · 0.29% below market
Acceptable
Bottom 40% of lenders
2/5
By Loan Purpose· Transaction purpose mix
Purchase
236 loans · 0.60% above market
Sound
Top 60% of lenders
3/5
Refinance
46 loans · 0.47% above market
Sound
Top 60% of lenders
3/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 3 markets
Strong
Top 40% of lenders
4/5
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 225 | 79.8% | +0.552%Above | $2,652Fees | ||||
FHA Loans | 43 | 15.2% | +0.958%Above | $3,553Fees | ||||
VA Loans | — | — | 11 | 3.9% | -0.292%Below | $2,563Fees |
Conventional
OverallSound
ProductSound
PricingAcceptable
Pull ThroughSound
Volume225
Mix79.8%
Spread
+0.552%Above
Fees
$2,652Fees
FHA Loans
OverallSound
ProductSound
PricingMediocre
Pull ThroughStrong
Volume43
Mix15.2%
Spread
+0.958%Above
Fees
$3,553Fees
VA Loans
OverallAcceptable
ProductAcceptable
Pricing—
Pull Through—
Volume11
Mix3.9%
Spread
-0.292%Below
Fees
$2,563Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 236 | 83.7% | +0.600%Above | $2,972Fees | ||||
Refinance | 46 | 16.3% | +0.465%Above | $1,987Fees |
Purchase
OverallSound
ProductSound
PricingAcceptable
Pull ThroughSound
Volume236
Mix83.7%
Spread
+0.600%Above
Fees
$2,972Fees
Refinance
OverallSound
ProductSound
PricingMediocre
Pull ThroughStrong
Volume46
Mix16.3%
Spread
+0.465%Above
Fees
$1,987Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
282
Applications
312
Volume
$87 million
Pricing & Closing
Avg Rate Spread
+0.577%
vs. market APOR
Avg Net Fees
$2,809
Origination − Credits
Pullthrough Rate
90.4%
Applications → Closed
Typical Borrower
Avg Loan Amount
$309,397
Avg Borrower Income
$152,794
Avg Property Value
$400,248
Geographic Coverage
Geographic Performance
Metro Areas
3
markets with activity
States Served
7
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
7Full-year 2024 · HMDALoans originated
< 5050+None
Midwest5
ILINMIOHWI
South2
FLTX
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.
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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.