Applications / Mortgage Analytics / Lenders / New Jersey / Acre Mortgage & Financial
Marlton, NJ · Independent non-bank lender · CFPB · 778 loans in 2025
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778
loans originated, 2025
1,020
applications, 2025
12
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Acre Mortgage & Financial, a New Jersey non-bank, makes nearly half its loans with insurance from the Federal Housing Administration (FHA), and its lending grew 13% in 2025 while similar lenders barely grew.
FHA-insured loans made up 47.4% of its lending, against 21.3% at similar lenders, meaning independent non-bank lenders making between half and twice as many loans. That share was higher than at nearly nine in ten of them. Most of its loans, 88.4%, financed a purchase, and its typical loan, $305,000, was a little smaller than its peers' $325,000.
Its loans rose 13% in 2025, to 778, while the typical similar lender grew 2% and the whole market 10%. Its growth was higher than about two-thirds of its peers'. It is still below the 1,240 loans it made in 2019. It filed no report for 2020, a gap in the record, not a year without lending.
Some 28.2% of its loans were in low- and moderate-income (LMI) neighborhoods, against 18.1% at similar lenders, higher than nine in ten of them. LMI borrowers took 37.3% of its loans, against 26.2% at its peers.
It lent in 12 states and 61 metros. Its biggest market is Philadelphia, where it ranked 74 of 784 lenders. It entered Charleston-North Charleston and Wildwood-The Villages in 2025.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. Acre Mortgage & Financial took 1,020 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 88.4% · Refinance 11.6%
FHA 47.4% · Conventional 46.3% · VA 5.5% · USDA (RHS or FSA) 0.8% · of 778 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| New Jersey | 334 | 42.9% |
| Pennsylvania | 199 | 25.6% |
| Florida | 96 | 12.3% |
| Virginia | 34 | 4.4% |
| Georgia | 26 | 3.3% |
| Maryland | 23 | 3.0% |
| Texas | 21 | 2.7% |
| Indiana | 17 | 2.2% |
| North Carolina | 12 | 1.5% |
| Delaware | 7 | 0.9% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Camden | 232 |
| Philadelphia | 105 |
| Montgomery County-Bucks County-Chester County | 34 |
| Tampa | 28 |
| Atlantic City-Hammonton | 24 |
| West Palm Beach-Boca Raton-Delray Beach | 24 |
| Vineland | 23 |
| Wilmington | 21 |
| Lakewood-New Brunswick | 18 |
| Indianapolis-Carmel-Greenwood | 16 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 2549007G9V4FYWWWDZ31 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 4437855 | 2022–2023 |
| Respondent ID (the HMDA filer code before 2018) | 7421554463 | 2011–2011 |
Established 10 April 2002. Reported under HMDA 2011-2025.
Mergers, name changes, data editions and corrections: Acre Mortgage & Financial's data.
Acre Mortgage & Financial's data
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Acre Mortgage & Financial and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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