Applications / Mortgage Analytics / Lenders / Illinois / Pacor Mortgage
Oak Forest, IL · Independent non-bank lender · CFPB · 300 loans in 2025
Pacor Mortgage's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
300
loans originated, 2025
335
applications, 2025
7
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Pacor Mortgage, a Chicago-area lender reporting since 2011, is a steady conventional purchase lender that grew a little in 2025.
Purchases made up 81.7% of its lending, and conventional loans 86.7%, against 76.2% at similar lenders (independent non-banks making between half and twice as many loans). Its typical loan, $305,000, was a little smaller than theirs, $325,000.
It made 300 loans, up 5%, near the middle of similar lenders; their typical growth was 3% and the market's 10%. The book is well below the 1,265 loans of 2021. It filed no report for 2020.
Beyond Chicago, it ranks 33 of 206 lenders in Kankakee, where its share rose from 0.6% to 0.7%, and 47 of 241 in Michigan City-La Porte, with 0.4%. Municipal Trust and Savings Bank and Horizon Bank lead those markets.
Low- and moderate-income borrowers took 24.8% of its loans, more than the 21.5% at similar lenders. Yet only 9.3% of its loans were in low- and moderate-income neighborhoods, fewer than at about nine in ten similar lenders, and down from 16.6%. One possible reason is simply where its buyers choose to live. Its denial rate on home-purchase applications was 1.3%, against 3.2% at similar lenders.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. Pacor Mortgage took 335 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 81.7% · Refinance 18.3%
Conventional 86.7% · FHA 10.7% · VA 2.7% · of 300 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Illinois | 247 | 82.3% |
| Texas | 24 | 8.0% |
| Indiana | 14 | 4.7% |
| Wisconsin | 9 | 3.0% |
| Florida | 3 | 1.0% |
| Michigan | 2 | 0.7% |
| Tennessee | 1 | 0.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Chicago-Naperville-Schaumburg | 220 |
| Houston-Pasadena-The Woodlands | 21 |
| Lake County-Porter County-Jasper County | 12 |
| Kankakee | 9 |
| Elgin | 8 |
| Lake County | 4 |
| Milwaukee-Waukesha | 4 |
| Crestview-Fort Walton Beach-Destin | 2 |
| Michigan City-La Porte | 2 |
| Rockford | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300EMGY2NJUW3A749 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 4438478 | 2013–2023 |
| Respondent ID (the HMDA filer code before 2018) | 7363575871 |
Established 20 January 1988. Reported under HMDA 2011-2025.
Mergers, name changes, data editions and corrections: Pacor Mortgage's data.
Pacor Mortgage's data
$215
Pacor Mortgage and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
Buy Pacor Mortgage's data, $215Jenner Mortgage Analytics: all the data
$2,110
Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
Buy the data, $2,110Jenner, the SAS-compatible software
See prices
Jenner runs programs written in the SAS language. It drew every chart on these pages and fitted the fair-lending model, PROC GLIMMIX on 3.5 million applications. Run the programs that come with the data, or your own.
Get JennerQuestions, or the data and Jenner together: [email protected]