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.
Showing 138 reviews with 5 stars · Clear filters
I absolutely love working with Jacob Arko and Michelle Marias-Santamaria. Superb team!! Always extremely helpful, courteous and efficient. Their service is top notch and that is more important to me as a broker because that allows me to provide the same excellent service to my clients, no excuses! THEY are the reason, I only use Acra Lending as my only Non-Conforming lender ☺
By Daniella B.
I appreciate working with Ryan Barrus - he is a great representative of your company
By Jan B.
I've had the pleasure to work with Jacob and Michelle on a few loans and they were super helpful and easy to communicate with. I look forward to closing more deals with Acra lending.
By Gaetan P.
I appreciate the pricing Acra offers its clients. Sometime in Non QM people pay way beyond prime pricing. I appreciate The rep we have. Stephen has made the process so much easier. We love him!
By Mayra T.
I absolutely love working with Acra Lending. I do several deals a month and my team at Acra is amazing. Jacob Arko is my AE and he never not answers his phone or helps me go through scenarios to find the best for our clients. I will continue to use you guys forever!!!!
By Kerry O.
The account executive was great! Jacob is very knowledgeable and professional.
By Al M.
The account rep and inside account manager team we have are exceptional due to their expertise and reliability. The company has unique guidelines which are stable which is important in this business. I highly recommend.
By Mary Ann P.
Working with Acra, and especially Mr. Jesse Kopeny, was simply amazing! The entire process was smooth as silk, constant communication, and great team work within. The client was also very pleased with the service that we were able to provide due to the exemplary job by Mr. Kopeny as his team. Truly looking forward to doing more business with Acra again soon.
By Lee C.
