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Claim this ProfileAcre 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
Promptness
Not enough data
—/5
No quote responses measured yet
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
1/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
322 loans · 0.50% above market
Sound
Top 60% of lenders
3/5
FHA
312 loans · 0.86% above market
Strong
Top 40% of lenders
4/5
VA
34 loans · 0.19% above market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
581 loans · 0.64% above market
Strong
Top 40% of lenders
4/5
Refinance
94 loans · 0.62% above market
Sound
Top 60% of lenders
3/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 11 markets
Sound
Top 60% of lenders
3/5
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
13Full-year 2024 · HMDALoans originated
< 1010–2020–5050+None
Northeast3
CTNJPA
Midwest1
IN
South9
ALDEFLGAMDNCSCTXVA
Top States by Place Specialization Score
How We Rank Lenders
Our rankings use an equal-weight average of scores across the 5 Ps: Pricing, Product, Pull-Through, Place, and Promptness. Promptness measures how quickly a lender answers real shopper quote requests; a lender with none measured yet is counted at an estimate.
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 Safe Rate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
Looking for a different lender?
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.