What is it?
DirectLenderMatch classifies Bank Portfolio Mortgage under the financing form “Portfolio mortgage.” Its typical use in this directory is: Loan held on lender balance sheet outside agency execution.
How does it work?
The structure is generally evaluated, supported, or secured using the following basis: Bank-retained underwriting/property. Exact underwriting, eligibility, terms, and availability are provider-specific and can change.
What can it be used for?
Loan held on lender balance sheet outside agency execution.
What backs or supports it?
Bank-retained underwriting/property.
Why does this structure exist?
This structure provides a defined way to address the financing need described above. The provider, transaction, collateral, and underwriting context determine how the structure is implemented in practice.
Important considerations
Confirm current costs, risks, licensing, eligibility, collateral treatment, recourse, tax consequences, and availability directly with the provider and appropriate professional advisers. DirectLenderMatch does not compare rates or recommend products.
Is this actually a loan?
Workbook classification: Yes. Financing forms such as leases, purchases, shared equity, advances, and guarantees may solve a funding need without being conventional loans.
Verified lenders or providers
Direct/portfolio mortgage lender
Acra Lending
Acra operates consumer direct and investor lending verticals for non-agency mortgage products.
Official evidence page →Last verified: 2026-08-23
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