A&D Mortgage vs Acra Lending
Two wholesale non-QM lenders with deep self-employed and ITIN programs. A&D Mortgage is known for speed and broker tools; Acra Lending for flexible non-QM and ITIN guidelines. Both are broker-accessed — compare program fit and pricing for your situation.
Shared products: Bank Statement, Self-Employed, Non-QM, 1099 Income, P&L Only, No Tax Return, ITIN · Updated March 2026
4.0
A&D Mortgage
Wins 1 categories
4.0
Acra Lending
Wins 1 categories
Full Comparison
| Feature | A&D Mortgage | Acra Lending |
|---|---|---|
| Interest Rates | 7.25%–9.99% | 7.25%–10% |
| Max LTV | 90% | 90% |
| Min Credit Score | 620 | 600Better |
| Loan Range | $100K–$5M | $100K–$4M |
| Origination Fee | Set by your broker | Set by your broker |
| Speed to Close | 25–45 days | 25–45 days |
| Experience Required | No experience required | No experience required |
| LLC Borrowing | No | No |
| Interest-Only | Available | Available |
| Prepayment Penalty | None (owner-occupied) | None (owner-occupied) |
| Foreign National | Yes | Yes |
| Coverage | Nationwide | Nationwide |
| Property Types | primary-residence, second-home, investment | primary-residence, second-home, investment |
| Loan Products | 8 productsBetter | 7 products |
| Founded | 2005 | 2013 |
| Editor Rating | 4.0 / 5.0 | 4.0 / 5.0 |
Pros & Cons
A&D Mortgage
Pros
- +Very broad non-QM menu including bank statement, P&L, 1099, asset
- +ITIN and foreign-national programs available
- +Jumbo non-QM up to roughly $5M
- +Large broker network and active securitizer
Cons
- –Wholesale/correspondent only — apply through a broker, not directly
- –No direct consumer application or pricing
- –Experience varies by the broker you choose
Acra Lending
Pros
- +One of the oldest, largest dedicated non-QM lenders
- +Wide menu: bank statement, 1099-only, P&L, ITIN, foreign national
- +Accepts a range of documentation styles (WVOE, ATR-in-full)
- +Active securitizer with stable funding
Cons
- –Wholesale-only — apply through a broker, not directly
- –Pricing and service depend on your broker
- –Non-QM rates and fees above conventional
Frequently Asked Questions
Is A&D Mortgage or Acra Lending better for self-employed borrowers?
Two wholesale non-QM lenders with deep self-employed and ITIN programs. A&D Mortgage is known for speed and broker tools; Acra Lending for flexible non-QM and ITIN guidelines. Both are broker-accessed — compare program fit and pricing for your situation.
What loan types do A&D Mortgage and Acra Lending both offer?
Both lenders offer Bank Statement, Self-Employed, Non-QM, 1099 Income, P&L Only, No Tax Return, ITIN. A&D Mortgage offers 8 total products vs Acra Lending's 7.
Which has lower rates, A&D Mortgage or Acra Lending?
A&D Mortgage advertises rates starting at 7.25% while Acra Lending starts at 7.25%. Both have the same starting rate, but actual rates depend on your credit score, LTV, property type, and loan product. Always get quotes from both lenders.
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