# PACOR MORTGAGE CORP.

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


> **📋 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


PACOR MORTGAGE CORP. is a independent mortgage company, headquartered in OAK FOREST, IL, serving borrowers across 7 states, with 282 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 79% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 41% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300EMGY2NJUW3A749
- **Headquarters:** OAK FOREST, IL
- **Geographic Reach:** Multi-Region
- **States Served:** 7
- **State List:** FL, IL, IN, MI, OH, TX, WI
- **Markets (MSAs):** 3
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 21/100
- Rating: ●●○○○ (2/5)

### Pull Through: Sound ☺️
- Score: 59/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.577%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,809
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 282
- **Dollar Volume:** $87 million
- **Applications Received:** 312
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $309,397
- **Average Borrower Income:** $152,794
- **Average Property Value:** $400,248

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 44/100 | 225 | +0.552% | $2,652 | Sound ☺️ |
| FHA | 58/100 | 43 | +0.958% | $3,553 | Sound ☺️ |
| VA | 38/100 | 11 | -0.292% | $2,563 | Acceptable 🙂 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 189 loans, Score: 45/100 (Sound)
- Refinance: 36 loans, Score: 41/100 (Sound)

**FHA:**
- Purchase: 38 loans, Score: 57/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 47/100 | 236 | $72M | +0.600% | Sound ☺️ |
| Refinance | 42/100 | 46 | $15M | +0.465% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| IL | 213 | 0.17% | 75/100 |
| IN | 42 | 0.05% | 55/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Chicago | IL | 179 | 75/100 |
| Lake County | IN | 37 | 66/100 |
| Elgin, IL | IL | 11 | 45/100 |

## Frequently Asked Questions

### What loan types does PACOR MORTGAGE CORP. offer?

PACOR MORTGAGE CORP. 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 PACOR MORTGAGE CORP. offer mortgages?

PACOR MORTGAGE CORP. offers mortgages in 7 states: FL, IL, IN, MI, OH, TX, WI.

### How competitive are PACOR MORTGAGE CORP.'s mortgage rates?

PACOR MORTGAGE CORP. has a pricing score of 21/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.577% above market average.

### What type of lender is PACOR MORTGAGE CORP.?

PACOR MORTGAGE CORP. is a non-depository lender that specializes in mortgage origination, headquartered in OAK FOREST, IL.

### What is PACOR MORTGAGE CORP.'s loan approval success rate?

PACOR MORTGAGE CORP. has a pull-through score of 59/100 (Sound). 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/pacor-mortgage

### How to Cite

> "PACOR MORTGAGE CORP. Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/pacor-mortgage

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