Training Example: Acra Lending – Review the Data, Give Your Score & Compare to the Real AI Evaluation

[H3] The Leading
[H2] Non-QM Lender
Secondary Heading
Become An Approved Broker
[H2] Tap into a New Market of Borrowers
Expand your product offerings and help borrowers who may not qualify under traditional guidelines.
Most comprehensive suite of Non-QM programs
Catering to Self-Employed, Investor, and Foreign National borrowers
Specializes in alternative income and adjustable-rate mortgages (ARMs)
Become An Approved Broker
[H2] Why Choose Acra Lending?
[H1] 40+
[H4] Licensed States
[H1] $11B+
[H4] Loans Funded
[H1] 18K+
[H4] Broker Partners
[H1] 20+
[H4] Years in Non-QM
[H2] Broker Resources
[H3] Quick Pricer
[H3] Turn Times
[H3] Rate Sheets
[H2]

[H2] Why Become An Approved Broker With Acra Lending?
Acra Lending offers tailor-made programs for Brokers looking to expand their product offering. We provide an incomparable opportunity to tap into a market of borrowers who may not qualify under traditional guidelines with our suite of services.
Join Acra Lending as an approved broker and become part of the industry’s leading Non-QM lender!
APPLY NOW
[H2] WHAT YOU’LL GET ACCESS TO
Industry Leading Non-QM Programs
Extensive range of products to meet lending portfolios
Daily Pricing/Rate Sheets
Competitive rates
A Dedicated Account Executive (AE)
Best trained executives in the industry through Acra Lending’s in-house university and ongoing training
Training Videos, Tutorials and Webinars
Not only are our AE’s highly trained, we believe in sharing the knowledge
Superb Marketing Collateral
Professionally designed marketing collateral ready to incorporate your brand identity
GET STARTED
[H2] PARTNER WITH US
Broker approval is required to submit a loan to Acra Lending and approval can be as quick as 24 hours. Once completed please return to your AE for approval.
What’s Required To Become An Approved Broker
Completed Acra Lending Broker Package
Current NMLS Approval
Current State Approval
What’s Not Required
No Credit Pull (Required if choosing Commercial Broker Approval)
No Financial Statements (Required if choosing Lender Paid Compensation)
No Volume Requirements
BROKER PACKAGEMORE FORMS
[H2] Get Started Today!
Fill out the broker inquiry form below, and a representative will reach out to you shortly

[H3] 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.
[H3] 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
[H2] Our Team
The leadership team at Acra Lending is a group of highly-experienced and dedicated senior managers with an average of 25 years’ experience in Non-QM mortgage origination, underwriting and servicing.
Chief Executive Officer
[H3] Shawn Stone
Chief Executive Officer
[H2] Shawn Stone
Mr. Stone brings over 25 years of executive leadership experience in the financial services industry, with deep expertise in online lending, credit, servicing, capital markets, and technology-driven platforms.
Over the course of nearly two decades at Mr. Cooper, Mr. Stone played a key role in scaling the company into the nation’s largest home loan servicer. He served as Chief Revenue and Production Officer, and also launched and led Xome as Executive Founder and President, a technology-focused subsidiary offering real estate and mortgage services.
Mr. Stone has also served as Chief Executive Officer and Board Member at Renovate America, a leading fintech lender in the point-of-sale, ESG, and home improvement space. He held the role of Senior Advisor at Bayview Asset Management, and later joined LendingPoint as a strategic lending partner before serving as Chief Executive Officer and Board Member.
Mr. Stone currently serves as Chief Executive Officer of Acra Lending, where he leads the company’s continued growth, innovation, and market leadership in the Non-QM space.
President & Chief Risk Officer
[H3] Kyle Gunderlock

Managing Director, Head of Business Development & Strategy
[H3] Gregory Meola

Chief Financial Officer, Treasurer
[H3] Ellen Coleman

Managing Director, National Operations
[H3] Suzy Lindblom

Managing Director, Chief Technology Officer
[H3] Brian Jones

General Counsel
[H3] Andrew Hess

Managing Director, Post Production Operations
[H3] Trudy Barton

Managing Director, Head of Capital Markets
[H3] Manuel Lastra

Managing Director of Correspondent Lending Sales
[H3] Anil Sharma
President & Chief Risk Officer
[H2] Kyle Gunderlock
Kyle Gunderlock has over 22 years of hands-on experience in the mortgage finance business. Of note is his comprehensive knowledge of operations, financial and risk management, asset valuation, and whole loan trading, as well as the origination of mortgage loans and the management of wholesale and correspondent sales teams.
Mr. Gunderlock was a Vice President and District Sales Manager at First Street Financial, Inc. where he led a team of Account Executives and Broker Direct Representatives.
Mr. Gunderlock previously acted as Head Trader for Citadel Servicing’s investment fund, CMMI, LLC, where he had the responsibility of pricing assets and negotiating trade documents.
He is involved in the servicing and disposition of assets as well, and is a member of the Investment Committee that determines final asset acquisition and pricing.
Mr. Gunderlock currently holds a Real Estate Broker License through the California Department of Real Estate and is approved as a Mortgage Loan Originator via the Nationwide Mortgage Licensing System & Registry.
Managing Director, Head of Business Development & Strategy
[H2] Gregory Meola
Greg is a graduate of Holy Cross College and received his Masters in 2011. In addition to his educational background Greg has received his Six Sigma Green Belt Certification. Greg has an extensive knowledge in mortgage and mortgage related services. Greg has a depth of knowledge in vendor management processes, regulatory compliance, valuation services and the foreclosure legal process. As a consultant Greg has worked in large Wall Street and fortune 500 companies as well as the small entrepreneurial sector of the mortgage business.
Greg has become recognized problem solver, relationship builder and operational efficiency expert. Greg has worked in many different project roles including: Loss Mitigation for a Fortune 500 Company where he successfully managed a staff of 100 underwriters to complete the clients backlog of Loss Mitigation loans. Redesigned processes and created efficiency measures to produce a higher level of production with greater and consistent accuracy.
Mortgage Origination and Servicing GAP analysis for several Mortgage Lenders where his primary responsibility was to coordinate and help develop a gap analysis for a mortgage and servicing organization to formulate a business plan that would determine the profitability for the organization if it were to in-house all mortgage origination and servicing functions. Built the capacity model and the projections forecast based off of historic data, consumer analysis, and Merger and Acquisition Advisory he has successfully assisted organizations through a merge or acquisition by viewing capital requirements, compliance, finance, market opportunity, revenue opportunity, and COGS of several businesses along with a team of individuals to best assess the projections and success of potential M&A deals for small businesses.
Chief Financial Officer, Treasurer
[H2] Ellen Coleman
Ellen Coleman has over 20 years of experience in finance and treasury in the mortgage industry.
She joined Acra Lending from Peer Street, a platform for investing in residential mortgage loans, where she spent five years as EVP and CFO managing FP&A, accounting, treasury, loan servicing and capital markets.
Prior to joining Peer Street, she held positions as Treasurer of Stearns Lending, Nationstar Mortgage and Homeward Residential as well as Managing Director at Countrywide Financial.
Ellen holds a BA in Finance from Georgetown University and an MBA from Anderson School at UCLA.

Managing Director, National Operations
[H2] Suzy Lindblom
Suzy Lindblom has over 40 years in the mortgage industry and has experience in most aspects of the mortgage industry including underwriting, operations, credit risk, technology, post closing and compliance.  She led Fulfillment, Sales, Credit Risk, Compliance, IT, HR, Operations Support and Marketing during her mortgage career.
Suzy’s main focus over the years has been delivering the best customer service, while improving cost and process efficiency as well as helping her staff and others in the industry to grow in their careers along with working to improve the mortgage process.
She was recently with Sierra Pacific Mortgage Corp, as their COO and prior to that with Arc, FGMC, Kind Lending, Planet Home Loans as their COO and Stearns Lending, as Managing Director of Fulfillment for all Retail, Wholesale and JV channels, as well as Post Closing and Credit Risk.
She recently has been awarded Housing Wire Insider’s Award in 2025 as well as Housing Wire Vanguard in both 2023 and 2020.  She has been twice named Housing Wire’s Women of Influence list in 2019 and 2015.  She also appears on National Mortgage Professionals 2019 Most Powerful Women, Progress in Lending 2019 Most Influential Women in Fintech and National Diversity Council’s Southern California 2016 Most Powerful & Influential Women lists along with NEXT’s 2020 Powerhouse list.
Managing Director, Chief Technology Officer
[H2] Brian Jones
General Counsel
[H2] Andrew Hess
Andrew Hess has served as counsel to financial services companies for over 10 years.
He began his legal career as a litigator at a large law firm, working on matters for one of the nation’s largest banks, then moved to First American Financial Corporation, where he oversaw legal operations for the company’s various real estate data businesses. After a brief stint as Senior Corporate Counsel at a Silicon Valley tech company, he was hired as Acra Lending’s General Counsel.
Andrew earned his JD from Northwestern University Pritzker School of Law, after receiving his BA from UCLA.
Managing Director, Post Production Operations
[H2] Trudy Barton
Managing Director, Head of Capital Markets
[H2] Manuel Lastra
Manuel has over 20 years of experience in Structured Credit and Capital Markets with deep expertise in portfolio management, trading, analytics, and Capital Markets strategy across Non‑QM, Prime Jumbo, Agency, and legacy Non‑Agency assets.
Manuel will lead our Capital Markets platform, including product development, secondary distribution, best execution, and secondary risk management in support of the company’s Non‑QM growth.
He joins us from AmeriHome, where he served as SVP of Non-Agency Capital Markets and was instrumental in building and launching their Non-Agency product suite including Non-QM, AUS Jumbo, and Second Lien. Prior to that, Manuel held Wall St roles on the sell-side and buy-side at Deutsche Bank and Macquarie Group, focused on structuring, trading and investing in residential mortgage securities and whole loans.
Managing Director of Correspondent Lending Sales
[H2] Anil Sharma
Anil Sharma is a seasoned mortgage and financial services leader with deep expertise of Correspondent Sales, Whole Loan Trading and Business
As Managing Director of the Correspondent Sales Team, he leads Acra’s overall strategy, business growth, recruitment, and market expansion to gain larger wallet share within the non-QM Correspondent lending space.
Mr. Sharma brings over 20 years of mortgage experience and is the most tenured sales team member within the Correspondent Channel. Prior to Acra Lending, he has served in many roles in the mortgage industry including Whole Loan Trader, Director of Investor Relations, Asset Management Lead, and Senior Account Executive. Anil holds a Bachelor of Arts degree from UCLA and is a recognized leader in the mortgage industry.
[H2] State Licensing Information
[H4] BUSINESS PURPOSE LOANS
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 (MT and VA)
Loan is secured by residential 1-4 dwelling, regardless of whether borrower is a natural person or an entity (ID)
Broker may require a TN Industrial Loan & Thrift Registration, if not otherwise licensed in state (TN)
[H4] CONSUMER PURPOSE LOANS
Consumer Direct Lending
Acra lends directly to investors in all states and D.C., except AK, ND, SD
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)
[H2] LICENSES
[H4] Alabama
Alabama Consumer Credit License #22078
[H4] Arizona
Escrow Agent Lic #1008770
Collection Agency Lic #1008769
Mortgage Banker Lic #1034431
Mortgage Banker OTN #1 Lic # 1034434
[H4] Arkansas
Mortgage Banker-Broker-Servicer Lic. # 109106
Collection Agency Lic. # AC 6624
[H4] California
CRMLA Lic. # 41DBO-74196
Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act.
CFL Lic. # 60DBO-94450
DRE Lic # 01799059
[H4] Colorado
Mortgage Company Registration (No #)
Regulated by the Colorado Division of Real Estate.
[H4] Connecticut
Mortgage Lender Lic. # ML-144549
[H4] Delaware
Lender Lic. # 020322
[H4] D.C.
Mortgage Lender Lic. # MLB144549
[H4] Florida
Mortgage Lender Servicer Lic. # MLD523
[H4] Georgia
Mortgage Lender Lic./Registration # 23462
[H4] Hawaii
Mortgage Loan Originator Company Lic. # HI-144549
Mortgage Servicer Lic. # MS300
Citadel Servicing Corporation dba Acra Lending is licensed in Hawaii as both a Mortgage Loan Originator Company (Lic. # HI-144549) and Mortgage Servicer (Lic. # MS300). Consumers wishing to contact the Hawaii Division of Financial Institutions or file a complaint against a mortgage loan origination company or mortgage servicer can reach the Division using the following methods.  Via mail: Department of Commerce and Consumer Affairs, Division of Financial Institutions, P.O. Box 2054, Honolulu, HI 96805. Via in person or courier: Department of Commerce and Consumer Affairs, Division of Financial Institutions, 335 Merchant Street, Room 221; Honolulu, HI 96813. Via email: [email protected].  Via telephone: 808-586-2820.
[H4] Illinois
Residential Mortgage Lic. # MB.6761204
Licensed by Illinois Department of Financial and Professional Regulation, 100 West Randolph, 9th Floor, Chicago, IL 60601, Phone 888-473-4858.
[H4] Indiana
Mortgage Lender Lic. # 30531
[H4] Kansas
Mortgage Company Lic. # MC.0025274
[H4] Kentucky
Mortgage Company Lic. # MC327787
[H4] Louisiana
Residential Mortgage Lending Lic. (No #)
Collection Agency / Debt Collection Registration (No #)
Collection Agency/Debt Collection Registration
[H4] Maine
Supervised Lender Lic. # 144549
[H4] Maryland
Mortgage Lender Lic. # 144549
[H4] Michigan
1st Mortgage Broker/Lender/Servicer Lic. # FL0020685
[H4] Minnesota
Residential Mortgage Originator Lic. # MN-MO-144549
Residential Mortgage Originator Lic. OTN #1 Lic. # MN-MO-144549.1
[H4] Missouri
Mortgage Company Lic. # 21-2557-S
[H4] Montana
Mortgage Lender Lic. # 144549
Mortgage Servicer Lic. # 144549
[H4] Nebraska
Mortgage Banker Lic. (No #)
[H4] Nevada
Mortgage Company Lic. # 4449
Supplemental Mortgage Servicer Lic. # 4414
[H4] New Hampshire
Mortgage Lender License 144549MB
[H4] New Jersey
Residential Mortgage Lender Lic. (No #)
Licensed by the NJ Department of Banking and Insurance.
RMLA-Licensed Mortgage Servicer Registration (No #)
[H4] New Mexico
Mortgage Loan Company Lic. (No #)
[H4] New York
City of Buffalo Collection Agency Lic. #CAG24-10065489
City of Buffalo Collection Agency Lic. # CAG24-10065489
[H4] North Carolina
Mortgage Lender Lic. # L-160722
[H4] Ohio
RMLA Certificate of Registration # RM.804651.000
[H4] Oklahoma
Mortgage Lender Lic. # ML012744
Mortgage Lender Lic.-OTN #1 – Lic. # ML013105
[H4] Oregon
Mortgage Lender Lic. # ML-5599
Mortgage Servicer Lic. #144549
[H4] Pennsylvania
Mortgage Lender Lic. # 51804
Licensed

[H2] BANK STATEMENTS
Qualify Self-Employed borrowers with 12 months bank statements in
lieu of tax returns. No 1040s, 1120s, K1s, or IRS transcripts
12 or 24 Months
Self Employed and 1099 Borrowers
Max 90% LTV Purchase
BANK STATEMENTS
[H2] DSCR
Qualify with Investor Cash Flow / DSCR on the subject
property
Non-Owner Occupied Only
No income or job verification
No Prepay Options available
DSCR
[H2] FOREIGN NATIONAL
For borrowers who live and work outside of the U.S. with no U.S. citizenship status
Loan Amounts up to $3M
No income, job or credit required
Non-Owner Occupied Only
FOREIGN NATIONAL
[H2] JUMBO NON-QM
Loan amounts up to $4M (Higher amounts available case-by-case)
$4M-$10M case-by-case
Qualify with all programs
Foreign Nationals accepted
JUMBO LOANS
[H2] ENDLESS SOLUTIONS
More solutions built for your borrower and situations! We offer a range of products and services geared toward helping mortgage professionals achieve their client purchase and investment goals. See more of our solutions or click below to partner with us!
1099 Only
ATR-In-Full
Business Purpose
Condotel
Interest Only
ITIN
Non-QM Niche
Platinum Pricing
P&L Programs
WVOE
Partner With Us