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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 39 states and DC nationwide, we offer our programs and services through four distinct verticals: Wholesale Lending, Consumer Direct Lending, Investor Lending, and Correspondent Lending. Throughout the mortgage industry, Acra Lending is widely known for responsible lending practices, product innovation and operational efficiency.

Aug 2018

The non-QM proliferation: Other alternative products

July 2018

Citadel drops rates across the board

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

Sept 2000

Citadel Launches Online Payment Portal

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

Business Purpose Loans

    Consumer Direct Lending
  • Acra will lend directly to investors in all states and D.C., except AK, ND, NV, SD
    Wholesale Lending
  • Acra will work with Licensed & Unlicensed Brokers
  • Acra will work with Licensed Brokers Only
  • Acra Does Not Lend in These States
  • Acra will lend subject to Special Broker Licensing Rules
  • Broker license REQUIRED IF

    • Borrower is natural person, and loan is secured by residential 1-4 dwelling (GA, MT, NJ, and VA)
    • Loan is secured by residential 1-4 dwelling, regardless of whether borrower is a natural person or an entity (ID)
    • Borrower is natural person, and loan is secured by multifamily 5-29 dwelling (FL)
    • Broker may require a TN Industrial Loan & Thrift Registration, if not otherwise licensed in state (TN)

Consumer Purpose Loans

  • Acra lends directly to Consumers for 1-4 residential purposes (primary residence or 2nd home)
  • Acra does not Lend Directly to Consumers for 1-4 residential purposes (primary residence or 2nd home)

State Licenses

Alabama

Alabama Consumer Credit License #22078

Arizona

  • Escrow Agent Lic #1008770
  • Collection Agency Lic #1008769
  • Mortgage Banker Lic #1034431
  • Mortgage Banker OTN #1 Lic # 1034434

Arkansas

Mortgage Banker-Broker-Servicer Lic. # 109106

California

  • CRMLA Lic. # 41DBO-74196
  • CFL Lic. # 60DBO-94450
  • DRE Lic # 01799059

Colorado

Mortgage Company Registration (No #)

Connecticut

Mortgage Lender Lic. # ML-144549

Delaware

Lender Lic. # 020322

D.C.

Mortgage Lender Lic. # MLB144549

Florida

Mortgage Lender Servicer Lic. # MLD523

Georgia

Mortgage Lender Lic./Registration # 23462

Illinois

  • Residential Mortgage Lic. # MB.6761204

Indiana

Mortgage Lender Lic. # 30531

Kansas

Mortgage Company Lic. # MC.0025274

Kentucky

Mortgage Company Lic. # MC327787

Louisiana

Residential Mortgage Lending Lic. (No #)

Maine

Supervised Lender Lic. # 144549

Maryland

Mortgage Lender Lic. # 144549

Michigan

1st Mortgage Broker/Lender/Servicer Lic. # FL0020685

Minnesota

  • Residential Mortgage Originator Lic. # MN-MO-144549
  • Residential Mortgage Originator Lic. OTN #1 Lic. # MN-MO-144549.1

Missouri

Mortgage Company Lic. # 21-2557-S

Montana

  • Mortgage Lender Lic. # 144549
  • Mortgage Servicer Lic. # 144549

Nebraska

Mortgage Banker Lic. (No #)

Nevada

  • Mortgage Company Lic. # 4449
  • Supplemental Mortgage Servicer Lic. # 4414

New Hampshire

Mortgage Banker Lic. # 21139-MB

New Jersey

  • Residential Mortgage Lender Lic. (No #)
  • RMLA-Licensed Mortgage Servicer Registration (No #)

North Carolina

Mortgage Lender Lic. # L-160722

Ohio

RMLA Certificate of Registration # RM.804651.000

Oklahoma

  • Mortgage Lender Lic. # ML012744
  • Mortgage Lender Lic.-OTN #1 – Lic. # ML013105

Oregon

Mortgage Lender Lic. # ML-5599

Pennsylvania

  • Mortgage Lender Lic. # 51804
  • Mortgage Servicer Lic. # 67747

South Carolina

  • Mortgage Lender/Servicer Lic. # MLS – 144549
  • Mortgage Lender/Servicer Lic.-OTN #1 Lic # MLS – 144549 OTN #1

Tennessee

Mortgage Lic. # 125315

Texas

  • Mortgage Company Lic. (No #)
  • Residential Mortgage Loan Servicer Registration (No #)

Utah

  • Residential First Mortgage Notification # UDFI-RFMN2015
  • Mortgage Entity Lic. # 6573920
  • Mortgage Entity Lic. – OTN #1 Lic. # 12074249

Vermont

  • Lender Lic. # 6926
  • Lender Lic.-OTN # 7601
  • Loan Servicer Lic. # 144549-1
  • Loan Servicer Lic.-OTN #1 Lic. # 144549-2

Virginia

Lender Lic. # MC-5845

Washington

Consumer Loan Company Lic. # CL-144549

Wisconsin

Mortgage Banker Lic. # 144549BA

Wyoming

  • Consumer Lender Lic. # CL-3577
  • Mortgage Lender/Broker Lic. # 3781
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