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
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
Pull Through
Closing strength
Strong
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Top 60% of lenders
FHA
Strong
Top 40% of lenders
VA
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Top 40% of lenders
Refinance
Sound
Top 60% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 11 markets
Sound
Top 60% of lenders
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
13Northeast3
CTNJPA
Midwest1
IN
South9
ALDEFLGAMDNCSCTXVA
Top Metro Areas by Place Specialization Score
Volume 235Mix 34.81% of portfolio
85/100
Exceptional
Volume 92Mix 13.63% of portfolio
73/100
Strong
Volume 23Mix 3.41% of portfolio
56/100
Sound
Volume 25Mix 3.70% of portfolio
54/100
Sound
Volume 20Mix 2.96% of portfolio
50/100
Sound
Volume 15Mix 2.22% of portfolio
50/100
Sound
Volume 20Mix 2.96% of portfolio
49/100
Sound
Volume 12Mix 1.78% of portfolio
42/100
Sound
Volume 11Mix 1.63% of portfolio
42/100
Sound
Volume 10Mix 1.48% of portfolio
41/100
SoundTop States by Place Specialization Score
1
New JerseyState
Volume 332Mix 49.19% of portfolio
81/100
Exceptional2
PennsylvaniaState
Volume 189Mix 28.00% of portfolio
71/100
Strong3
DelawareState
Volume 22Mix 3.26% of portfolio
51/100
Sound4
FloridaState
Volume 48Mix 7.11% of portfolio
50/100
Sound5
MarylandState
Volume 26Mix 3.85% of portfolio
49/100
Sound6
GeorgiaState
Volume 21Mix 3.11% of portfolio
45/100
Sound7
VirginiaState
Volume 13Mix 1.93% of portfolio
40/100
Sound8
TexasState
Volume 11Mix 1.63% of portfolio
35/100
AcceptableHow We Rank Lenders
Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.
Our Point System (Max 30 Points)
10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
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 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.