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 score and performance metrics.

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 an overall pricing score of 15.8/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

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

Acre Mortgage & Financial, Inc. is a Independent Mortgage Company headquartered in Marlton, NJ.

Unclaimed

Acre Mortgage & Financial, Inc.

Independent Mortgage Company•Marlton, NJ•Direct to Consumer

We analyzed every closed loan from Acre Mortgage Financial — 675 loans across 950 applications— and benchmarked them against peer lenders across the 4 Ps of Mortgage Shopping.

Pricing

Mediocre

vs. all lenders

Pull Through

Strong

closing strength

Products

Strong

FHA · Conventional · VA

Place

Sound

Multi-Region · 10 mkts

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Safe Rate's 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)

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Report Card

Acre Mortgage & Financial, Inc. performance at a glance

Category	Score	vs. Peers
Overall Performance· Pricing & closing strength
Pricing Rate competitiveness	Mediocre	Below peers +64.2 bps above market avg
Pull Through Closing strength	Strong	Highly Competitive Top 40% of lenders
By Loan Product· Specialization by type
Conventional	Sound	Industry Standard Top 60% of lenders
FHA	Strong	Highly Competitive Top 40% of lenders
VA	Strong	Highly Competitive Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase	Strong	Highly Competitive Top 40% of lenders
Refinance	Sound	Industry Standard Top 60% of lenders
By Location· Geographic coverage
Geographic Reach Coverage footprint	Sound	Industry Standard Top 60% of lenders Multi-Regional11 markets

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Acceptable	Sound	Mediocre	Sound	322	47.7%	+0.500%Above	$3,756Fees
FHA Loans	Sound	Strong	Mediocre	Strong	312	46.2%	+0.858%Above	$4,656Fees
VA Loans	Strong	Strong	—	Exceptional	34	5.0%	+0.186%Above	$4,838Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Acceptable	Strong	Mediocre	Sound	581	86.1%	+0.644%Above	$4,178Fees
Refinance	Acceptable	Sound	Mediocre	Sound	94	13.9%	+0.624%Above	$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

States Served

We count Washington DC as a state

Avg Place Specialization

Sound

States with Loan Originations

ALCTDEFLGAINMDNCNJPASCTXVA

Top Metro Areas by Place Specialization Score

Camden, NJ, NJMSA

Volume: 235Mix: 34.81%of portfolio

Place

Exceptional

Philadelphia, PA, PAMSA

Volume: 92Mix: 13.63%of portfolio

Place

Strong

Atlantic City, NJMSA

Volume: 23Mix: 3.41%of portfolio

Place

Sound

Wilmington, DEMSA

Volume: 25Mix: 3.70%of portfolio

Place

Sound

Montgomery County, PAMSA

Volume: 20Mix: 2.96%of portfolio

Place

Sound

Vineland, NJ, NJMSA

Volume: 15Mix: 2.22%of portfolio

Place

Sound

Lakewood, NJMSA

Volume: 20Mix: 2.96%of portfolio

Place

Sound

Baltimore, MDMSA

Volume: 12Mix: 1.78%of portfolio

Place

Sound

Newark, NJ, NJMSA

Volume: 11Mix: 1.63%of portfolio

Place

Sound

Allentown, PA-NJMSA

Volume: 10Mix: 1.48%of portfolio

Place

Sound

Top States by Place Specialization Score

NJState

Volume: 332Mix: 49.19%of portfolio

Place

Exceptional

PAState

Volume: 189Mix: 28.00%of portfolio

Place

Strong

DEState

Volume: 22Mix: 3.26%of portfolio

Place

Sound

FLState

Volume: 48Mix: 7.11%of portfolio

Place

Sound

MDState

Volume: 26Mix: 3.85%of portfolio

Place

Sound

GAState

Volume: 21Mix: 3.11%of portfolio

Place

Sound

VAState

Volume: 13Mix: 1.93%of portfolio

Place

Sound

TXState

Volume: 11Mix: 1.63%of portfolio

Place

Acceptable

How We Rank Lenders

Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.

Our Point System (Max 30 Points)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

Product

Specialization in the loan type (33%)

💎

Champion(80%+ = 24-30 points)

⭐

Superstar(60-79% = 18-23 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 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

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.