Pacor Mortgage Corp. NMLS #120945
At a glance
- HeadquartersOak Forest, IL
- Loan typesConventional and FHA
- Licensed in8 states
- Formed in1988
What it closes
300 home loans closed in 2025
Share of its 2025 home loans: 87% Conventional, 10% FHA and 3% Other types.
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Who is Pacor Mortgage Corp.?
Pacor Mortgage Corp. (NMLS #120945) is a lender listed in the NMLS registry. FreeRateUpdate publishes this review alongside current mortgage rates, a rate finder, and mortgage calculators.
Is Pacor Mortgage Corp. legit?
Here's what public licensing records show. Pacor Mortgage Corp. holds mortgage licenses in Colorado, Florida, Illinois, Indiana, Michigan, Tennessee, Texas, Wisconsin (NMLS ID #120945, per NMLS records as of October 1, 2026). FreeRateUpdate publishes a Score built from public data and our own records. It does not endorse or vouch for any lender. You can confirm any lender's license yourself at nmlsconsumeraccess.org.
Key Facts
- Lender or brokerPacor Mortgage Corp.
- NMLS #120945
- Verified by FreeRateUpdateCompany name and NMLS ID, checked against NMLS on
- In the FreeRateUpdate network since
- Profile updated
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About Pacor Mortgage Corp.
Overview
Pacor Mortgage Corp. is a mortgage banker that works with borrowers buying a first home, considering specialized financing, or refinancing an existing mortgage.
Mortgage options
Mortgage options include FHA loans, reverse mortgages, conventional conforming loans, renovation financing through FHA 203(k) and Fannie Mae HomeStyle, IHDA loans, and condo loans with mortgage insurance.
How it works
Pacor Mortgage Corp. provides mortgage, affordability, and refinancing calculators for estimating monthly payments, purchase budgets, and potential refinance savings.
Locations
Pacor Mortgage Corp. has two branches, with branch locations in Illinois and Wisconsin.
Company details and licensing
Pacor Mortgage Corp. is an Illinois corporation formed on January 20, 1988. Its headquarters is at 14930 Cicero Ave, Oak Forest, Illinois 60452. The company uses the trade names Alta Mortgage Bankers, Lake Pacor Home Mortgage, and US Lending Corporation. Its NMLS company ID is 120945.
Pacor Mortgage Corp. is licensed in Colorado, Florida, Illinois, Indiana, Michigan, Tennessee, Texas, and Wisconsin.
Verify NMLS #120945 on NMLS Consumer Access
Sources
Sources last checked . These are the outside records this profile was written from. FreeRateUpdate is not affiliated with them, and they have not reviewed, endorsed, or approved FreeRateUpdate or this page.
Formation date and trade names come from NMLS registry records. FreeRateUpdate is not affiliated with NMLS, and NMLS has not reviewed, endorsed, or approved FreeRateUpdate or this page.
Additional information
Reported application outcomes and pricing, 2025
- Filed asPACOR MORTGAGE CORP.
- 2025 home loan decisionsOf 307 applications decided by PACOR MORTGAGE CORP. in 2025, 300 were originated, 0 were approved but not accepted by the borrower, and 7 were denied.
- Approval rate: approved (originated plus approved but not accepted) as a share of applications decided (approved plus denied) = 97.7%. Withdrawn, incomplete and purchased loans are not counted.
- Withdrawn, incomplete and purchasedBeyond the decisions above, 28 applications were withdrawn by the borrower, 0 were closed for incompleteness, and 0 loans were purchased from another lender. HMDA counts these as outcomes in their own right — withdrawn before a decision, closed with no decision reached, and a purchased loan is one bought from another lender — and none of them is a lending decision.
- Median rate spread0.474 percentage points above the average prime offer rate (reported on 300 originations)
These are reported outcomes from past applications, and on their own they do not show how this lender treated any borrower.
Reported closing costs, 2025
- Median total loan costs$6,262.43 — originated closed-end household loans, 2025, 300 loans. FFIEC HMDA data browser.
- Median origination charges$2,190.00 — originated closed-end household loans, 2025, 300 loans. FFIEC HMDA data browser.
- About these figuresThese are historical closing costs reported in the 2025 filing, not a quote for your loan.
Reported product mix, 2025
- Loan types260 Conventional, 32 FHA, 8 VA — of 300 reported originations, 2025. FFIEC HMDA data browser.
Evidence read November 11, 2026
Source: FFIEC HMDA data browser, 2025 filing. Historical HMDA-reported application outcomes and pricing fields for PACOR MORTGAGE CORP. — historical outcomes for the applications it decided. This is not a statement of any consumer's likelihood of approval and not a current rate quote.
Frequently Asked Questions
Is Pacor Mortgage Corp. legit?
Here's what public licensing records show. Pacor Mortgage Corp. holds mortgage licenses in Colorado, Florida, Illinois, Indiana, Michigan, Tennessee, Texas, Wisconsin (NMLS ID #120945, per NMLS records as of October 1, 2026). FreeRateUpdate publishes a Score built from public data and our own records. It does not endorse or vouch for any lender. You can confirm any lender's license yourself at nmlsconsumeraccess.org.
What is Pacor Mortgage Corp.'s NMLS number?
Pacor Mortgage Corp.'s NMLS number is 120945. You can look up its license status on NMLS Consumer Access, at nmlsconsumeraccess.org.
Has FreeRateUpdate verified Pacor Mortgage Corp.'s NMLS ID?
Yes. We checked Pacor Mortgage Corp.'s company name and NMLS ID against the NMLS record on October 14, 2026. They've been in our lender network since March 2014. That confirms who the company is. It isn't an endorsement, and it doesn't check their license in any particular state.
Where can I learn more about Pacor Mortgage Corp.?
This page has Pacor Mortgage Corp.'s NMLS identity, which we verified, and its company details, with links to the records they come from where we have them. For its license status in a particular state, check NMLS Consumer Access.