Monday, November 9, 2026 · Customer reviews of US businesses
The Fair Hearing score
Excellent
155 reviews
Acra LendingSelect a line to read only those reviews.
Honesty, pricing, process and quality scores appear once 5 customers have rated them.
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.
Acra Lending (acralending.com) has 155 customer reviews on The Fair Hearing, with an average rating of 4.7 out of 5.
155 approved reviews, newest moderated first
The Acra Team headed by Stephen, Lauren and Rachel took a file that was denied by two other lenders to CTC in 14 days. I cant thank you enough. The closing and funding team were also put under pressure by the builder and they overperformed.
By Luis M M.
Response from Acra Lending· Jan 2, 2024
Thank you for taking the time to share your experience with the Acra Team, especially with Stephen, Lauren, and Rachel. Your acknowledgment of their efforts is immensely appreciated.
Van and Kevin were amazing! Responsive and efficient!
By Brian M.
Response from Acra Lending· Oct 19, 2023
Thank you so much for your kind words! We're thrilled to hear that Van and Kevin provided you with a fantastic experience. We'll make sure to pass along your appreciation to them. If you ever need assistance in the future, don't hesitate to reach out. We're here for you!
This was my first loan with Acra Lending. Maria and Rocco were helpful and answered all questions that we had.
By Mary R.
Response from Acra Lending· Oct 19, 2023
We're delighted to have had the opportunity to assist you with your first loan, and we're even more thrilled that Maria and Rocco were able to provide you with the guidance and information you needed. Your satisfaction is our top priority, and we're here to help whenever you have more questions or need assistance in the future. Thank you for choosing Acra Lending!
The Worst Mortgage Lender Experience Ever - Avoid Acra Lender! I recently had the unfortunate experience of working with Acra Lender for my mortgage, and I cannot stress enough how terrible it was. From start to finish, their communication was abysmal, and they consistently failed to get anything done in a timely or efficient manner. One of the most frustrating aspects of dealing with Acra Lender was their complete lack of communication. It felt like pulling teeth just to get a response from them, and when they did finally get back to me, it was often with vague and unhelpful answers. I constantly had to chase them down for updates, and even then, they seemed more interested in avoiding my questions than providing clear information. It's as if they had a policy of keeping their clients in the dark. But it wasn't just their poor communication that left me dissatisfied; it was their inability to meet deadlines and fulfill their promises. They made grand commitments at the beginning of the process, promising to expedite my mortgage application and ensure a smooth closing. However, in reality, they failed to meet every single deadline they set. My application was delayed multiple times, causing unnecessary stress and uncertainty. To make matters worse, when they did finally take action, it was often riddled with mistakes and oversights. It was clear that they lacked attention to detail and failed to adequately review documents, which led to errors and further delays. It was an absolute nightmare trying to get them to rectify these issues. In summary, my experience with Acra Lender was nothing short of a nightmare. Their terrible communication and inability to follow through on their promises made the entire mortgage process a stressful and frustrating ordeal. I would strongly advise anyone considering working with Acra Lender to look elsewhere for a mortgage lender that values their clients and can actually get the job done. Avoid this lender at all costs!
By Don P.
Response from Acra Lending· Sep 20, 2023
I am sorry that you had a less than stellar experience with us and would like to learn more about the specific details on your file. Please reply to the Request Info detail sent to you so I can reach out to you. Thank you, Trisa Nelson- Director of Wholesale Operations.
Both Maria Bunes and Megan Willie were excellent to work with and helped make sure we closed on this loan over a week before the due date. Buyer, Seller and both agents were thrilled!! I have done several ACRA loans but this one was definitely the fastest most efficient process that I have experienced so far. Thank you to all involved especially Maria and Megan!
By Brenda P.
Lauren did a great job on communication and I feel the turn times have gotten shorter so that is good. Also closer/funder were on it with emails to title constantly until it funded. Great job all around!
By Monica Y C.
Response from Acra Lending· Jan 2, 2024
We are grateful for the opportunity to assist you and thrilled that our team's performance met the high standards we set for ourselves.
Team ACRA Lending and Adam Morris Rocked it on this not so easy file. You did awesome and more files will be coming your way soon!!! Dave w AMK Home Loans
By Dave K.
Response from Acra Lending· Nov 21, 2023
Dear Dave, Thank you for your fantastic feedback! We're thrilled to hear that Team ACRA Lending, led by Adam Morris, rocked it on your not-so-easy file. Your kind words mean a lot to us, and we're honored to have been part of a successful collaboration.
Darci and Johnny were amazing. Docs and funding were very quick. Set up and underwriting were a little slower than I am used to.
By Broker
