Acre Mortgage & Financial, Inc. NMLS #13988
Active Matched with at least one FreeRateUpdate rate shopper in the last 180 days
At a glance
- HeadquartersMarlton, NJ
- Size778 home loans closed in 2025
- Loan typesFHA, Conventional and VA
- Licensed in13 states
- Formed in2002
- FreeRateUpdate Score85.0 out of 100, as of · How the Score works
What it closes
Share of its 2025 home loans: 47% FHA, 46% Conventional, 6% VA and 1% Other types.
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Who is Acre Mortgage & Financial, Inc.?
Acre Mortgage & Financial, Inc. (NMLS #13988) is a lender listed in the NMLS registry. FreeRateUpdate publishes this review alongside current mortgage rates, a rate finder, and mortgage calculators.
Is Acre Mortgage & Financial, Inc. legit?
Here's what public licensing records show. Acre Mortgage & Financial, Inc. holds mortgage lender licenses in 13 states, including Colorado, Connecticut, District of Columbia, Florida, Georgia (NMLS ID #13988, per NMLS records as of October 1, 2026). FreeRateUpdate publishes a Score built from public data and our own records. It does not endorse or vouch for any lender. You can confirm any lender's license yourself at nmlsconsumeraccess.org.
Key Facts
- Lender or brokerAcre Mortgage & Financial, Inc.
- NMLS #13988
- Verified by FreeRateUpdateCompany name and NMLS ID, checked against NMLS on
- In the FreeRateUpdate network since
- Profile updated
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About Acre Mortgage & Financial, Inc.
Overview
Acre Mortgage & Financial, Inc. is a mortgage company that works with borrowers through loan officers and application tools. Borrowers can request a pre-approval, start an application, upload documents from a phone, track loan milestones, and message their loan officer.
Mortgage options
Mortgage options include home-purchase loans, refinancing, home equity loans, cash-out refinances, 203(k) and HomeStyle renovation loans, and reverse mortgages for homeowners age 62 and older. For purchase financing, the company lists conventional, FHA, VA, USDA, jumbo, and down payment assistance options.
Locations
Acre Mortgage & Financial, Inc. has 24 branches in Connecticut, Florida, Maryland, North Carolina, New Jersey, Pennsylvania, Texas, and Virginia.
Company details and licensing
Acre Mortgage & Financial, Inc. is a corporation formed in New Jersey, United States, on April 10, 2002. Its headquarters is at 70 E. Main Street, Marlton, New Jersey 08053. The company also uses trade names including Nation One Mortgage, Acre Wholesale, and Acre Mortgage. Its NMLS company ID is 13988. Licensing is verifiable through NMLS Consumer Access.
Verify NMLS #13988 on NMLS Consumer Access
Sources
Sources last checked . These are the outside records this profile was written from. FreeRateUpdate is not affiliated with them, and they have not reviewed, endorsed, or approved FreeRateUpdate or this page.
Formation date and trade names come from NMLS registry records. FreeRateUpdate is not affiliated with NMLS, and NMLS has not reviewed, endorsed, or approved FreeRateUpdate or this page.
Additional information
Reported application outcomes and pricing, 2025
- Filed asAcre Mortgage & Financial, Inc.
- 2025 home loan decisionsOf 805 applications decided by Acre Mortgage & Financial, Inc. in 2025, 778 were originated, 4 were approved but not accepted by the borrower, and 23 were denied.
- Approval rate: approved (originated plus approved but not accepted) as a share of applications decided (approved plus denied) = 97.1%. Withdrawn, incomplete and purchased loans are not counted.
- Withdrawn, incomplete and purchasedBeyond the decisions above, 215 applications were withdrawn by the borrower, 0 were closed for incompleteness, and 0 loans were purchased from another lender. HMDA counts these as outcomes in their own right — withdrawn before a decision, closed with no decision reached, and a purchased loan is one bought from another lender — and none of them is a lending decision.
- Median rate spread0.607 percentage points above the average prime offer rate (reported on 743 originations, 35 reported no spread at all — a median of what was reported, not of everything originated)
These are reported outcomes from past applications, and on their own they do not show how this lender treated any borrower.
Reported closing costs, 2025
- Median total loan costs$10,328.78 — originated closed-end household loans, 2025, 778 loans. FFIEC HMDA data browser.
- Median origination charges$4,051.00 — originated closed-end household loans, 2025, 778 loans. FFIEC HMDA data browser.
- About these figuresThese are historical closing costs reported in the 2025 filing, not a quote for your loan.
Reported product mix, 2025
- Loan types360 Conventional, 369 FHA, 43 VA, 6 USDA — of 778 reported originations, 2025. FFIEC HMDA data browser.
Evidence read October 20, 2026
Source: FFIEC HMDA data browser, 2025 filing. Historical HMDA-reported application outcomes and pricing fields for Acre Mortgage & Financial, Inc. — historical outcomes for the applications it decided. This is not a statement of any consumer's likelihood of approval and not a current rate quote.
Frequently Asked Questions
Is Acre Mortgage & Financial, Inc. legit?
Here's what public licensing records show. Acre Mortgage & Financial, Inc. holds mortgage lender licenses in 13 states, including Colorado, Connecticut, District of Columbia, Florida, Georgia (NMLS ID #13988, per NMLS records as of October 1, 2026). FreeRateUpdate publishes a Score built from public data and our own records. It does not endorse or vouch for any lender. You can confirm any lender's license yourself at nmlsconsumeraccess.org.
What is Acre Mortgage & Financial, Inc.'s NMLS number?
Acre Mortgage & Financial, Inc.'s NMLS number is 13988. You can look up its license status on NMLS Consumer Access, at nmlsconsumeraccess.org.
Has FreeRateUpdate verified Acre Mortgage & Financial, Inc.'s NMLS ID?
Yes. We checked Acre Mortgage & Financial, Inc.'s company name and NMLS ID against the NMLS record on November 3, 2025. They've been in our lender network since July 2011. That confirms who the company is. It isn't an endorsement, and it doesn't check their license in any particular state.
Where can I learn more about Acre Mortgage & Financial, Inc.?
This page has Acre Mortgage & Financial, Inc.'s NMLS identity, which we verified, and its company details, with links to the records they come from where we have them. For its license status in a particular state, check NMLS Consumer Access.