Pacor Mortgage at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the B grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
87th2.3% deniedPricingmedian rate spread over APOR, weight 30%
30th0.47 ptsProcesswithdrawn + incomplete share, weight 15%
65th8.4%Closing coststotal loan costs ÷ loan amount, weight 10%
44th2.05% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 384 | 324 | 2.3% | 2.7% | 6.88% | $82M |
| 2024 | 317 | 286 | 2.8% | 3.1% | 6.88% | $88M |
| 2025 | 335 | 300 | 2.1% | 2.3% | 6.75% | $104M |
What Pacor Mortgage lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 1 manufactured homes, 14 investment properties.
Why Pacor Mortgage denies applications
Primary reason reported for each of the 7 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Pacor Mortgage
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 97 | 85 | 1.2% |
| $100k – $150k | 98 | 91 | 2.2% |
| $150k – $250k | 86 | 75 | 1.3% |
| Over $250k | 42 | 38 | 5.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 127 | 117 | 0.9% |
| 35–44 | 99 | 91 | 2.2% |
| 45–54 | 34 | 30 | 3.2% |
| 55–64 | 35 | 28 | 0.0% |
| 65–74 | 25 | 22 | 8.3% |
Where Pacor Mortgage lends
7 states and 40 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
Pacor Mortgage denied 2.3% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 87th percentile of small mortgage lenders.
The most common reason Pacor Mortgage gave in 2025 was "collateral", cited on 42.9% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans Pacor Mortgage originated in 2025 was 6.75%, and its median rate spread over the average prime offer rate was 0.47 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 82% of its applications were for home purchases, 18% for refinancing (including cash-out), and 0% for home improvement or other purposes. By loan type: 86% conventional, 11% FHA, 3% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.