Underwriter

The story of Acra Lending is one of resilience, adaptation, and a steadfast commitment to serving the underserved sectors of the mortgage market. Founded in 2003 under the name Citadel Servicing Corporation (CSC), the company began its journey in Irvine, California, with a clear mission: to provide liquidity and lending solutions where traditional banks often could not. In its early years, the firm established itself as a pioneer in the Non-Qualified Mortgage (Non-QM) space, recognizing that many creditworthy borrowers—such as self-employed individuals and real estate investors—did not fit the rigid molds of conventional underwriting.

As the mortgage landscape evolved following the financial crisis, so did the company. It weathered economic cycles that saw many competitors exit the market, emerging stronger by maintaining responsible lending practices and a vertically integrated business model. This resilience allowed the firm to control every aspect of the loan process, from origination to servicing, ensuring a seamless experience for its partners and borrowers. In 2021, to better reflect its expanded vision and national footprint, Citadel Servicing Corporation rebranded as Acra Lending. Today, Acra Lending stands as a leader in the industry, leveraging cutting-edge technology and a deep understanding of alternative income documentation to help mortgage professionals and their clients achieve their homeownership and investment goals.