# Acre Mortgage & Financial, Inc.

> **Canonical URL:** https://saferate.com/lenders/acre-mortgage-financial


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Acre Mortgage & Financial, Inc. is a independent mortgage company, headquartered in Marlton, NJ, serving borrowers across 13 states, with 675 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 84% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 31% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 2549007G9V4FYWWWDZ31
- **Headquarters:** Marlton, NJ
- **Geographic Reach:** Multi-Region
- **States Served:** 13
- **State List:** AL, CT, DE, FL, GA, IN, MD, NC, NJ, PA, SC, TX, VA
- **Markets (MSAs):** 11
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Mediocre 😐
- Score: 16/100
- Rating: ●○○○○ (1/5)

### Pull Through: Strong 😀
- Score: 69/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.642%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $4,179
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 675
- **Dollar Volume:** $201 million
- **Applications Received:** 950
- **Market Share:** 2.00%

## Typical Borrower Profile

- **Average Loan Amount:** $297,696
- **Average Borrower Income:** $115,450
- **Average Property Value:** $356,908

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 55/100 | 322 | +0.500% | $3,756 | Sound ☺️ |
| FHA | 74/100 | 312 | +0.858% | $4,656 | Strong 😀 |
| VA | 65/100 | 34 | +0.186% | $4,838 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 271 loans, Score: 55/100 (Sound)
- Refinance: 51 loans, Score: 50/100 (Sound)

**FHA:**
- Purchase: 275 loans, Score: 74/100 (Strong)
- Refinance: 37 loans, Score: 73/100 (Strong)

**VA:**
- Purchase: 28 loans, Score: 64/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 64/100 | 581 | $176M | +0.644% | Strong 😀 |
| Refinance | 56/100 | 94 | $25M | +0.624% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| NJ | 332 | 0.39% | 81/100 |
| PA | 189 | 0.16% | 71/100 |
| FL | 48 | 0.02% | 50/100 |
| MD | 26 | 0.04% | 49/100 |
| DE | 22 | 0.15% | 51/100 |
| GA | 21 | 0.02% | 45/100 |
| VA | 13 | 0.01% | 40/100 |
| TX | 11 | 0.00% | 35/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Camden, NJ | NJ | 235 | 85/100 |
| Philadelphia, PA | PA | 92 | 73/100 |
| Non |  | 65 | 46/100 |
| Wilmington, DE |  | 25 | 54/100 |
| Atlantic City | NJ | 23 | 56/100 |
| Lakewood | NJ | 20 | 49/100 |
| Montgomery County | PA | 20 | 50/100 |
| Vineland, NJ | NJ | 15 | 50/100 |
| Baltimore | MD | 12 | 42/100 |
| Newark, NJ | NJ | 11 | 42/100 |
| Allentown | PA-NJ | 10 | 41/100 |

## Frequently Asked Questions

### What loan types does Acre Mortgage & Financial, Inc. offer?

Acre Mortgage & Financial, Inc. offers the following mortgage loan types: FHA, Conventional, VA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Acre Mortgage & Financial, Inc. offer mortgages?

Acre Mortgage & Financial, Inc. offers mortgages in 13 states: AL, CT, DE, FL, GA, IN, MD, NC, NJ, PA, SC, TX, VA.

### How competitive are Acre Mortgage & Financial, Inc.'s mortgage rates?

Acre Mortgage & Financial, Inc. has a pricing score of 16/100 (Mediocre), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.642% above market average.

### What type of lender is Acre Mortgage & Financial, Inc.?

Acre Mortgage & Financial, Inc. is a non-depository lender that specializes in mortgage origination, headquartered in Marlton, NJ.

### What is Acre Mortgage & Financial, Inc.'s loan approval success rate?

Acre Mortgage & Financial, Inc. has a pull-through score of 69/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/acre-mortgage-financial

### How to Cite

> "Acre Mortgage & Financial, Inc. Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/acre-mortgage-financial

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