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Pacor Mortgage

Independent Mortgage Company•Oak Forest, ILHQ•Direct•Reviews near you on Google

Pacor Mortgage has 282 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Acceptable
2/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Sound
3/5
FHA · Conventional · VA
Place
Strong
4/5
Multi-Region · 3 mkts

Safe Rate Summary

Things to Think About

  • Rates typically 58 basis points above market average

Explore another lender or local market

Report Card

Pacor Mortgage performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+57.7 bps above market avg
Pull Through
Closing strength
Sound
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Top 60% of lenders
FHA
Sound
Top 60% of lenders
VA
Acceptable
Bottom 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Top 60% of lenders
Refinance
Sound
Top 60% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 3 markets
Strong
Top 40% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Sound
Product
Sound
Pricing
Acceptable
Pull Through
Sound
Volume225
Mix79.8%
Spread
+0.552%Above
Fees
$2,652Fees
FHA Loans
Overall
Sound
Product
Sound
Pricing
Mediocre
Pull Through
Strong
Volume43
Mix15.2%
Spread
+0.958%Above
Fees
$3,553Fees
VA Loans
Overall
Acceptable
Product
Acceptable
Pricing—
Pull Through—
Volume11
Mix3.9%
Spread
-0.292%Below
Fees
$2,563Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Sound
Product
Sound
Pricing
Acceptable
Pull Through
Sound
Volume236
Mix83.7%
Spread
+0.600%Above
Fees
$2,972Fees
Refinance
Overall
Sound
Product
Sound
Pricing
Mediocre
Pull Through
Strong
Volume46
Mix16.3%
Spread
+0.465%Above
Fees
$1,987Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
282
Applications
312
Volume
$87 million
Pricing & Closing
Avg Rate Spread
+0.577%
vs. market APOR
Avg Net Fees
$2,809
Origination − Credits
Pullthrough Rate
90.4%
Applications → Closed
Typical Borrower
Avg Loan Amount
$309,397
Avg Borrower Income
$152,794
Avg Property Value
$400,248

Geographic Coverage

Geographic Performance

Metro Areas
3
markets with activity
States Served
7
of 50 states + DC
Avg Place Specialization
Strong
4/5

States with Loan Originations

7
7 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Midwest5
ILINMIOHWI
South2
FLTX

Top Metro Areas by Place Specialization Score

1© John Picken · CC BY 2.0
Chicago, ILMetro
Volume 179Mix 63.48% of portfolio
75/100
Strong
2© Richie Diesterheft from Chicago, IL, USA · CC BY 2.0
Lake County, INMetro
Volume 37Mix 13.12% of portfolio
66/100
Strong
3© G LeTourneau · CC BY-SA 3.0
Elgin, ILMetro
Volume 11Mix 3.90% of portfolio
45/100
Sound

Top States by Place Specialization Score

Illinois
Illinois
1
IllinoisState
Volume 213Mix 75.53% of portfolio
75/100
Strong
Indiana
Indiana
2
IndianaState
Volume 42Mix 14.89% of portfolio
55/100
Sound

How 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.