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Acra Lending, was formed with a focus on providing the industry’s leading tailor-made Non-QM mortgage products. We partner with industry leaders and mortgage professionals, focusing on delivering programs that center around borrower and industry needs.

Our Story

Helping mortgage professionals achieve their clients’ purchase and investment goals, Acra Lending was formed to specialize in alternative income products, such as bank statements, asset depletion and verification of employment programs. Our programs have been developed over years to include fixed and adjustable rate mortgages (ARMs) for residential properties on both an owner-occupied and non-owned occupied basis.

Licensed by the National Mortgage Licensing System (NMLS) and operating in 38 states and DC nationwide, we offer our programs and services through three distinct verticals: Wholesale Lending, Retail Lending and Correspondent Lending. Throughout the mortgage industry, Acra Lending is widely known for responsible lending practices, product innovation and operational efficiency.

Sept 2000

Citadel Launches Online Payment Portal

July 2018

Citadel drops rates across the board

Aug 2018

The non-QM proliferation: Other alternative products

Aug 2019

The non-QM proliferation: Other alternative products

Sept 2019

Citadel Launches Online Payment Portal

Oct 2019

Citadel Launches New Commercial Program

Dec 2019

The non-QM proliferation: Other alternative products

Feb 2020

HPS Investment Partners Acquires Citadel Servicing

Jan 2021

CSC Rebranded as Acra Lending

Our Mission

The foundation of the company is built on “helping our customers” by providing Non-QM mortgage solutions for today’s borrower in residential and commercial properties across America. We provide industry leading programs to meet the needs of our customers while proving the optimal customer service experience.

State Licensing Information

CA LICENSING INFO

  • CA DRE ID #: 01799059
  • CA DFPI ID#: 41DBO-74196
  • CA DFPI CFL ID#: 60DBO94450
  • NMLS ID #: 144549

 

 

 

To view our Mortgage Loan Officers, click here.

Alabama

Alabama Consumer Credit License #22078

Arizona

  • Arizona Collection Agency License #1008769
  • Arizona Escrow Agent License #1008770

Arkansas

Arkansas Combination Mortgage Banker-Broker-Servicer License #109106

California

  • Licensed under the Department of Financial Protection and Innovation
  • California Residential Mortgage Lending Act License # 41DBO-74196
  • Department of Real Estate (DRE) ID #: 01799059
  • Finance Lenders Law License (DBO) ID #: 60DBO94450

Colorado

Colorado Mortgage Company Registration ML-144549

Connecticut

Connecticut Mortgage Lender License #LO-314971

D.C.

D.C. Mortgage Lender License #MLB144549 and #MLO273860

Delaware

Delaware Lender License #020322

Florida

Florida Mortgage Lender Servicer License #MLD523

Georgia

Georgia Mortgage Lender License/Registration #23462

Idaho

Illinois

  • Illinois Residential Mortgage License #MB.6761204
  • Licensed by the Department of Financial and Professional Regulation, Mortgage Banking Division, James R. Thompson Center,IDFPR-Residential Mortgage Banking,100 W. Randolph, 9th Floor,
    Chicago, Illinois, 60601
    Tel: (844) 768-1713

Indiana

Indiana Mortgage Lending License #30531

Kansas

Kansas Mortgage Company License #MC.0025274

Kentucky

Kentucky Mortgage Company License #MC327787

Louisiana

Louisiana Residential Mortgage Lending Licensed

Maine

Maine Supervised Lender License #144549

Maryland

Maryland Mortgage Lender License #18483

Michigan

Michigan 1st Mortgage Broker/Lender/Servicer License #FL00206854

Minnesota

Minnesota Residential Mortgage Originator License #MN-MO-144549

Missouri

Missouri Mortgage Company License – #21-2557-S

Montana

Montana Mortgage Lender License #144549

Nebraska

Nebraska Mortgage Broker License #L-160722

Nevada

Nevada Supplemental Mortgage Servicer License #4414

New Hampshire

None

New Jersey

  • New Jersey Residential Mortgage Lender License #L-160722
  • Licensed by the N.J. Department of Banking and Insurance

North Carolina

North Carolina Mortgage Lender License #L-160722

Ohio

Ohio Residential Mortgage Lending Act (RMLA) – License# RM.804651.000

Oklahoma

Oklahoma Mortgage Lender License #MLO10720

Oregon

Oregon Mortgage Lending License #ML-5599

Pennsylvania

Pennsylvania Mortgage Lending License #51804

South Carolina

South Carolina Mortgage Lender/Servicer License #MLS-144549

Tennessee

Tennessee Mortgage License #138297

Texas

  • SML Mortgage Company License and SML Residential Mortgage Loan Servicer Registration
  • Consumers wishing to file a complaint against a mortgage banker or a licensed mortgage banker residential mortgage loan originator should complete and send a complaint form to the Texas Department of Savings and Mortgage Lending, 2601 North Lamar, Suite 201, Austin Texas 78705. Complaint forms and instructions may be obtained from the department’s website at www.sml.texas.gov. A toll-free consumer hotline is available at 1-877-276-5550.
  • The department maintains a recovery fund to make payments of a certain actual out of pocket damages sustained by borrowers caused by acts of licensed mortgage banker residential mortgage loan originator. A written application for reimbursement from the recovery fund must be filed with and investigated by the department prior to the payment of a claim. For more information about the recovery fund. Please consult the department’s website at www.sml.texas.gov.

Utah

Utah Mortgage Entity License #6573920

Virginia

Virginia Lender License #MC-5845

Vermont

  • Vermont Lender License #6926
  • Vermont Loan Servicer License #144549-1

Washington

Washington Consumer Loan Company License #MLO-314971

Wisconsin

Wisconsin Mortgage Banker License #144549BA

Wyoming

Wyoming Supervised Lender License #3577

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