Arc Home Mortgage Rates, Fees & Info

BALTIMORE, MD

LEI: 54930048P8RWCQHQM310

Tax ID: 14-1841762

1 stars - out of 5 stars, based on 105 reviews

2021 Data | 2020 Data | 2019 Data | 2018 Data


Overview

Arc Home is a mid-sized mortgage company specializing in Home Purchase, Refi, and Cash Out Refi loans. Arc Home has a high proportion of conventional loans. They have an average proportion of FHA loans. Their top markets include New York, Los Angeles, Washington, Miami, and San Francisco among others. Arc Home has an above average approval rate for mortages when compared nationally. They have a below average pick rate when compared to the same sample of other lendors. Arc Home is typically a high fee lendor.


Originations

11,029

Origination Dollar Volume (All Markets)

$4,173,365,000
Show all (5) awards

Relative Rate

Arc Home 's average 30 year fixed rate mortgage of loans were 3.46%.

The 2021 average 30 year fixed rate mortgage across all markets of loans were 3.15%.

This yields a difference of 0.31%.

Relative Fees

Arc Home 's average total fees for a 30 year fixed rate mortgage are $9,885.

The average total origination fees for 30 year fixed rate mortgages (for all loan values, including both points & up-front fees in addition to origination fees) are $4,750.

Top Markets

Market Originations Total Value Average Loan Average Fees Average Rate
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 1,632 $818,020,000 $501,238 $14,775 3.53%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 444 $364,750,000 $821,509 $15,051 3.66%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 714 $287,650,000 $402,871 $4,184 2.83%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 421 $183,125,000 $434,976 $13,791 3.90%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 241 $175,865,000 $729,730 $11,438 3.59%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 435 $146,155,000 $335,989 $6,437 3.08%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 340 $133,820,000 $393,588 $5,424 3.14%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 405 $115,015,000 $283,988 $6,361 3.09%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 307 $108,365,000 $352,980 $5,501 2.96%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 126 $80,310,000 $637,381 $10,891 3.76%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 164 $77,220,000 $470,854 $10,456 3.72%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 238 $76,590,000 $321,807 $7,650 3.20%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 299 $72,455,000 $242,324 $3,395 2.92%
POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) 176 $66,880,000 $380,000 $12,425 3.41%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 71 $58,835,000 $828,662 $8,965 3.54%
ALTOONA, PA (FHA|USDA|VA) 313 $54,385,000 $173,754 $2,321 2.72%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 128 $51,940,000 $405,781 $11,249 3.52%
Outside of Metro Areas 219 $51,205,000 $233,813 $6,752 3.11%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 139 $48,295,000 $347,446 $4,661 3.00%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 115 $44,965,000 $391,000 $10,629 3.39%
LANCASTER, PA (FHA|USDA|VA) 183 $41,815,000 $228,497 $4,201 2.99%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 124 $38,540,000 $310,806 $6,750 3.87%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 125 $35,675,000 $285,400 $4,379 3.05%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 126 $33,930,000 $269,286 $5,796 3.16%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 80 $33,400,000 $417,500 $6,692 3.64%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 166 $32,690,000 $196,928 $5,873 3.09%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 90 $28,860,000 $320,667 $5,434 3.07%
WORCESTER, MA-CT (FHA|USDA|VA) 97 $27,825,000 $286,856 $5,555 3.09%
PITTSBURGH, PA (FHA|USDA|VA) 105 $27,265,000 $259,667 $6,170 2.80%
PORT ST. LUCIE, FL (FHA|USDA|VA) 106 $26,570,000 $250,660 $7,376 3.22%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 85 $26,385,000 $310,412 $8,270 3.60%
NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) 61 $26,115,000 $428,115 $8,417 3.40%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 84 $24,510,000 $291,786 $7,526 3.51%
OKLAHOMA CITY, OK (FHA|USDA|VA) 104 $23,930,000 $230,096 $6,389 3.20%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 92 $23,770,000 $258,370 $6,611 3.42%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 48 $19,100,000 $397,917 $11,550 3.70%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 48 $17,580,000 $366,250 $6,559 3.21%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 27 $16,305,000 $603,889 $11,763 3.76%
NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 68 $16,170,000 $237,794 $6,766 3.32%
COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 57 $15,415,000 $270,439 $6,862 2.93%
HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 74 $15,140,000 $204,595 $2,746 2.95%
JOHNSTOWN, PA (FHA|USDA|VA) 92 $14,770,000 $160,543 $2,792 2.70%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 45 $14,325,000 $318,333 $5,525 2.93%
MANCHESTER-NASHUA, NH (FHA|USDA|VA) 50 $14,290,000 $285,800 $4,823 3.04%
READING, PA (FHA|USDA|VA) 66 $14,060,000 $213,030 $5,896 3.05%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 39 $13,905,000 $356,538 $7,095 3.67%
COLORADO SPRINGS, CO (FHA|USDA|VA) 35 $12,815,000 $366,143 $4,377 3.45%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 31 $12,525,000 $404,032 $10,357 3.76%
SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 23 $12,215,000 $531,087 $8,293 3.61%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 36 $12,180,000 $338,333 $5,991 3.16%
STOCKTON, CA (FHA|USDA|VA) 30 $11,770,000 $392,333 $6,745 3.84%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 28 $9,610,000 $343,214 $7,852 3.20%
JACKSONVILLE, FL (FHA|USDA|VA) 26 $8,980,000 $345,385 $6,916 3.52%
YORK-HANOVER, PA (FHA|USDA|VA) 36 $8,540,000 $237,222 $5,078 2.95%
Key West, FL (FHA|USDA|VA) 19 $8,535,000 $449,211 $20,904 3.41%
VALLEJO, CA (FHA|USDA|VA) 20 $8,440,000 $422,000 $5,826 3.47%
SALINAS, CA (FHA|USDA|VA) 14 $8,230,000 $587,857 $8,972 3.31%
SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 9 $7,835,000 $870,556 $11,751 3.51%
SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 10 $7,680,000 $768,000 $5,482 3.08%
FRESNO, CA (FHA|USDA|VA) 21 $7,615,000 $362,619 $8,708 3.95%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 25 $7,285,000 $291,400 $7,703 3.98%
ASHEVILLE, NC (FHA|USDA|VA) 26 $7,140,000 $274,615 $5,568 3.07%
GREELEY, CO (FHA|USDA|VA) 19 $7,115,000 $374,474 $7,726 3.20%
Huntingdon, PA (FHA|USDA|VA) 32 $6,830,000 $213,438 $0 2.62%
RALEIGH-CARY, NC (FHA|USDA|VA) 25 $6,395,000 $255,800 $3,660 3.00%
BARNSTABLE TOWN, MA (FHA|USDA|VA) 19 $6,055,000 $318,684 $5,185 3.33%
BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) 18 $5,930,000 $329,444 $18,306 2.77%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 14 $5,910,000 $422,143 $11,721 3.85%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 21 $5,805,000 $276,429 $4,854 3.02%
BAKERSFIELD, CA (FHA|USDA|VA) 21 $5,725,000 $272,619 $3,877 3.26%
BOULDER, CO (FHA|USDA|VA) 11 $5,675,000 $515,909 $9,947 3.05%
RICHMOND, VA (FHA|USDA|VA) 23 $5,295,000 $230,217 $3,564 3.00%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 18 $5,270,000 $292,778 $4,848 2.85%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 24 $5,250,000 $218,750 $6,211 3.32%
MODESTO, CA (FHA|USDA|VA) 18 $5,150,000 $286,111 $6,969 3.75%
ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 19 $5,095,000 $268,158 $6,209 4.10%
COLUMBUS, OH (FHA|USDA|VA) 25 $5,005,000 $200,200 $4,494 3.37%
FORT COLLINS, CO (FHA|USDA|VA) 12 $4,930,000 $410,833 $6,954 3.25%
Concord, NH (FHA|USDA|VA) 16 $4,870,000 $304,375 $5,010 2.76%
TRENTON-PRINCETON, NJ (FHA|USDA|VA) 30 $4,710,000 $157,000 $6,027 3.64%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 22 $4,430,000 $201,364 $4,153 3.00%
NAPA, CA (FHA|USDA|VA) 11 $4,425,000 $402,273 $4,630 3.07%
BOISE CITY, ID (FHA|USDA|VA) 7 $4,385,000 $626,429 $12,972 3.90%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 13 $4,325,000 $332,692 $11,130 3.43%
LOUISVILLE/JEFFERSON COUNTY, KY-IN (FHA|USDA|VA) 18 $4,280,000 $237,778 $3,897 2.86%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 18 $4,250,000 $236,111 $5,549 3.61%
SALISBURY, MD-DE (FHA|USDA|VA) 17 $4,235,000 $249,118 $3,601 2.87%
TUCSON, AZ (FHA|USDA|VA) 19 $4,175,000 $219,737 $5,093 3.15%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 18 $4,060,000 $225,556 $5,162 3.19%
PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 17 $3,965,000 $233,235 $2,545 2.90%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 7 $3,605,000 $515,000 $6,581 4.28%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 15 $3,355,000 $223,667 $5,045 3.23%
SPRINGFIELD, MA (FHA|USDA|VA) 14 $3,350,000 $239,286 $6,943 3.14%
LEBANON, PA (FHA|USDA|VA) 14 $3,100,000 $221,429 $2,037 3.00%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 6 $2,940,000 $490,000 $10,495 4.72%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 12 $2,940,000 $245,000 $1,442 2.92%
ROANOKE, VA (FHA|USDA|VA) 13 $2,905,000 $223,462 $3,678 2.84%
VISALIA, CA (FHA|USDA|VA) 10 $2,860,000 $286,000 $7,129 4.12%
EAST STROUDSBURG, PA (FHA|USDA|VA) 15 $2,825,000 $188,333 $5,338 3.89%
Vineyard Haven, MA (FHA|USDA|VA) 3 $2,715,000 $905,000 $25,217 3.85%
ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) 15 $2,695,000 $179,667 $7,608 4.77%
ERIE, PA (FHA|USDA|VA) 15 $2,635,000 $175,667 $8,097 2.84%
ALBUQUERQUE, NM (FHA|USDA|VA) 12 $2,580,000 $215,000 $4,385 3.11%
OCEAN CITY, NJ (FHA|USDA|VA) 7 $2,575,000 $367,857 $11,028 2.99%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 5 $2,465,000 $493,000 $7,719 3.73%
COLUMBIA, SC (FHA|USDA|VA) 10 $2,430,000 $243,000 $4,001 2.82%
Torrington, CT (FHA|USDA|VA) 8 $2,390,000 $298,750 $8,478 3.64%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 11 $2,375,000 $215,909 $3,648 3.35%
REDDING, CA (FHA|USDA|VA) 9 $2,265,000 $251,667 $3,826 3.11%
Glenwood Springs, CO (FHA|USDA|VA) 2 $2,230,000 $1,115,000 $21,918 3.76%
STATE COLLEGE, PA (FHA|USDA|VA) 12 $2,230,000 $185,833 $2,869 2.50%
SALT LAKE CITY, UT (FHA|USDA|VA) 4 $2,200,000 $550,000 $4,520 3.22%
FAYETTEVILLE, NC (FHA|USDA|VA) 9 $2,195,000 $243,889 $6,299 3.35%
SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 12 $2,190,000 $182,500 $6,323 3.58%
CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) 8 $2,190,000 $273,750 $5,991 3.14%
Fredericksburg, TX (FHA|USDA|VA) 8 $2,150,000 $268,750 $0 2.97%
DAYTON-KETTERING, OH (FHA|USDA|VA) 13 $2,115,000 $162,692 $5,970 3.21%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 6 $2,090,000 $348,333 $10,320 3.76%
Kalispell, MT (FHA|USDA|VA) 2 $2,050,000 $1,025,000 $22,261 4.06%
Truckee-Grass Valley, CA (FHA|USDA|VA) 5 $1,985,000 $397,000 $7,322 3.87%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 5 $1,975,000 $395,000 $9,646 3.86%
NORWICH-NEW LONDON, CT (FHA|USDA|VA) 8 $1,970,000 $246,250 $6,205 3.12%
CHARLOTTESVILLE, VA (FHA|USDA|VA) 8 $1,960,000 $245,000 $5,882 2.94%
Kill Devil Hills, NC (FHA|USDA|VA) 5 $1,915,000 $383,000 $15,503 3.63%
Sebastian-Vero Beach, FL (FHA|USDA|VA) 7 $1,865,000 $266,429 $7,359 3.60%
KINGSTON, NY (FHA|USDA|VA) 8 $1,860,000 $232,500 $5,818 4.45%
Shawnee, OK (FHA|USDA|VA) 4 $1,850,000 $462,500 $14,343 4.58%
PUNTA GORDA, FL (FHA|USDA|VA) 8 $1,850,000 $231,250 $6,479 3.84%
PROVO-OREM, UT (FHA|USDA|VA) 4 $1,850,000 $462,500 $10,768 4.09%
EL PASO, TX (FHA|USDA|VA) 5 $1,835,000 $367,000 $2,385 2.65%
DuBois, PA (FHA|USDA|VA) 11 $1,825,000 $165,909 $2,439 2.75%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 7 $1,805,000 $257,857 $7,018 3.64%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 10 $1,800,000 $180,000 $3,502 2.99%
FLAGSTAFF, AZ (FHA|USDA|VA) 4 $1,800,000 $450,000 $6,999 2.84%
Lebanon, NH-VT (FHA|USDA|VA) 6 $1,770,000 $295,000 $5,742 3.32%
MERCED, CA (FHA|USDA|VA) 7 $1,725,000 $246,429 $5,507 3.85%
Sevierville, TN (FHA|USDA|VA) 3 $1,675,000 $558,333 $16,876 3.38%
Hood River, OR (FHA|USDA|VA) 5 $1,675,000 $335,000 $6,307 2.97%
BLOOMINGTON, IN (FHA|USDA|VA) 8 $1,670,000 $208,750 $0 3.45%
Brevard, NC (FHA|USDA|VA) 3 $1,625,000 $541,667 $18,315 3.63%
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 5 $1,575,000 $315,000 $7,991 3.17%
MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 5 $1,575,000 $315,000 $14,377 3.97%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 4 $1,560,000 $390,000 $10,766 4.06%
WENATCHEE, WA (FHA|USDA|VA) 2 $1,560,000 $780,000 $4,472 3.23%
GRAND JUNCTION, CO (FHA|USDA|VA) 5 $1,555,000 $311,000 $7,985 3.33%
WILMINGTON, NC (FHA|USDA|VA) 6 $1,510,000 $251,667 $5,291 2.87%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 5 $1,505,000 $301,000 $5,938 3.12%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 8 $1,490,000 $186,250 $5,511 3.00%
KNOXVILLE, TN (FHA|USDA|VA) 6 $1,470,000 $245,000 $4,015 3.45%
Pinehurst-Southern Pines, NC (FHA|USDA|VA) 5 $1,455,000 $291,000 $3,003 3.74%
Laconia, NH (FHA|USDA|VA) 6 $1,450,000 $241,667 $3,132 3.02%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 7 $1,435,000 $205,000 $3,162 2.84%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 7 $1,395,000 $199,286 $3,344 2.93%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 6 $1,390,000 $231,667 $3,480 2.90%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 6 $1,370,000 $228,333 $5,025 4.63%
Oak Harbor, WA (FHA|USDA|VA) 4 $1,310,000 $327,500 $4,983 2.75%
BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) 6 $1,310,000 $218,333 $6,969 3.44%
YAKIMA, WA (FHA|USDA|VA) 5 $1,265,000 $253,000 $3,249 2.86%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 5 $1,265,000 $253,000 $3,366 3.51%
ST. LOUIS, MO-IL (FHA|USDA|VA) 7 $1,235,000 $176,429 $3,400 2.89%
TULSA, OK (FHA|USDA|VA) 5 $1,205,000 $241,000 $6,489 3.02%
Keene, NH (FHA|USDA|VA) 5 $1,195,000 $239,000 $4,926 2.48%
BEND, OR (FHA|USDA|VA) 4 $1,180,000 $295,000 $5,454 3.07%
Indiana, PA (FHA|USDA|VA) 8 $1,170,000 $146,250 $4,985 2.67%
BRUNSWICK, GA (FHA|USDA|VA) 3 $1,135,000 $378,333 $2,078 3.49%
WINSTON-SALEM, NC (FHA|USDA|VA) 6 $1,130,000 $188,333 $3,963 3.46%
HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 5 $1,125,000 $225,000 $4,595 2.80%
Outside of Metro Areas 2 $1,120,000 $560,000 $11,120 5.56%
SHERMAN-DENISON, TX (FHA|USDA|VA) 3 $1,115,000 $371,667 $25,358 3.73%
GLENS FALLS, NY (FHA|USDA|VA) 5 $1,095,000 $219,000 $9,721 4.03%
LYNCHBURG, VA (FHA|USDA|VA) 6 $1,090,000 $181,667 $1,547 2.87%
ROCHESTER, NY (FHA|USDA|VA) 9 $1,065,000 $118,333 $4,744 3.21%
Ukiah, CA (FHA|USDA|VA) 3 $1,035,000 $345,000 $7,324 4.30%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 5 $1,025,000 $205,000 $4,280 2.67%
AMARILLO, TX (FHA|USDA|VA) 4 $1,020,000 $255,000 $6,771 4.20%
Rockport, TX (FHA|USDA|VA) 3 $1,015,000 $338,333 $5,564 3.52%
MEDFORD, OR (FHA|USDA|VA) 4 $980,000 $245,000 $6,124 3.00%
PANAMA CITY, FL (FHA|USDA|VA) 4 $960,000 $240,000 $4,474 4.02%
Pottsville, PA (FHA|USDA|VA) 6 $960,000 $160,000 $6,591 2.75%
BISMARCK, ND (FHA|USDA|VA) 3 $955,000 $318,333 $0 2.88%
Breckenridge, CO (FHA|USDA|VA) 1 $935,000 $935,000 $21,649 3.25%
MADERA, CA (FHA|USDA|VA) 4 $930,000 $232,500 $5,671 3.77%
SANTA FE, NM (FHA|USDA|VA) 2 $890,000 $445,000 $7,849 2.50%
Georgetown, SC (FHA|USDA|VA) 2 $880,000 $440,000 $9,272 3.82%
SPARTANBURG, SC (FHA|USDA|VA) 4 $870,000 $217,500 $2,956 2.72%
Show Low, AZ (FHA|USDA|VA) 3 $865,000 $288,333 $6,891 3.29%
SYRACUSE, NY (FHA|USDA|VA) 4 $860,000 $215,000 $7,922 3.56%
YUBA CITY, CA (FHA|USDA|VA) 3 $855,000 $285,000 $5,279 3.21%
DECATUR, AL (FHA|USDA|VA) 1 $855,000 $855,000 $28,565 7.30%
WINCHESTER, VA-WV (FHA|USDA|VA) 3 $845,000 $281,667 $6,929 3.25%
BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) 4 $840,000 $210,000 $884 2.53%
FORT SMITH, AR-OK (FHA|USDA|VA) 3 $825,000 $275,000 $2,961 3.56%
MIDLAND, TX (FHA|USDA|VA) 3 $815,000 $271,667 $10,183 2.91%
OCALA, FL (FHA|USDA|VA) 5 $805,000 $161,000 $7,085 2.90%
JACKSONVILLE, NC (FHA|USDA|VA) 2 $800,000 $400,000 $9,945 3.63%
HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 4 $790,000 $197,500 $4,731 2.81%
GAINESVILLE, GA (FHA|USDA|VA) 3 $785,000 $261,667 $10,611 3.95%
CHICO, CA (FHA|USDA|VA) 3 $775,000 $258,333 $5,583 4.03%
Mineral Wells, TX (FHA|USDA|VA) 1 $755,000 $755,000 $0 3.38%
Auburn, IN (FHA|USDA|VA) 2 $750,000 $375,000 $0 2.87%
ST. CLOUD, MN (FHA|USDA|VA) 2 $740,000 $370,000 $9,311 4.71%
SEBRING-AVON PARK, FL (FHA|USDA|VA) 4 $730,000 $182,500 $4,618 3.47%
Somerset, PA (FHA|USDA|VA) 5 $725,000 $145,000 $0 2.57%
Watertown-Fort Atkinson, WI (FHA|USDA|VA) 3 $725,000 $241,667 $0 3.00%
Boone, NC (FHA|USDA|VA) 3 $725,000 $241,667 $5,521 3.00%
GAINESVILLE, FL (FHA|USDA|VA) 3 $715,000 $238,333 $3,103 4.19%
Hudson, NY (FHA|USDA|VA) 2 $710,000 $355,000 $12,283 4.29%
GETTYSBURG, PA (FHA|USDA|VA) 3 $705,000 $235,000 $2,890 2.54%
Bozeman, MT (FHA|USDA|VA) 1 $705,000 $705,000 $0 6.00%
MADISON, WI (FHA|USDA|VA) 3 $665,000 $221,667 $1,477 2.79%
BURLINGTON, NC (FHA|USDA|VA) 4 $650,000 $162,500 $7,640 4.41%
Rock Springs, WY (FHA|USDA|VA) 1 $645,000 $645,000 $24,224 4.15%
Somerset, KY (FHA|USDA|VA) 1 $645,000 $645,000 $14,518 3.28%
Eureka-Arcata, CA (FHA|USDA|VA) 1 $635,000 $635,000 $22,698 3.88%
TYLER, TX (FHA|USDA|VA) 3 $635,000 $211,667 $6,966 3.98%
BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) 2 $630,000 $315,000 $2,713 4.25%
LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 2 $630,000 $315,000 $4,781 4.95%
FORT WAYNE, IN (FHA|USDA|VA) 2 $630,000 $315,000 $0 2.63%
URBAN HONOLULU, HI (FHA|USDA|VA) 1 $625,000 $625,000 $0 2.88%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 3 $625,000 $208,333 $1,225 2.63%
Athens, TX (FHA|USDA|VA) 2 $620,000 $310,000 $13,562 4.00%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 3 $615,000 $205,000 $3,960 3.79%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 3 $615,000 $205,000 $3,573 2.79%
SALEM, OR (FHA|USDA|VA) 3 $615,000 $205,000 $4,634 3.37%
MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) 2 $610,000 $305,000 $1,819 2.63%
DOVER, DE (FHA|USDA|VA) 3 $605,000 $201,667 $5,187 3.08%
LAS CRUCES, NM (FHA|USDA|VA) 1 $605,000 $605,000 $21,372 3.88%
TALLAHASSEE, FL (FHA|USDA|VA) 3 $605,000 $201,667 $2,387 2.29%
LAFAYETTE, LA (FHA|USDA|VA) 3 $605,000 $201,667 $4,479 3.87%
WATERTOWN-FORT DRUM, NY (FHA|USDA|VA) 3 $595,000 $198,333 $5,282 2.71%
ELKHART-GOSHEN, IN (FHA|USDA|VA) 3 $565,000 $188,333 $4,009 2.79%
Martinsville, VA (FHA|USDA|VA) 2 $560,000 $280,000 $0 2.56%
Shelby, NC (FHA|USDA|VA) 3 $555,000 $185,000 $4,775 3.21%
Aberdeen, WA (FHA|USDA|VA) 2 $550,000 $275,000 $7,598 2.44%
Shelton, WA (FHA|USDA|VA) 2 $550,000 $275,000 $2,291 2.69%
Marion, OH (FHA|USDA|VA) 1 $545,000 $545,000 $15,701 6.20%
ODESSA, TX (FHA|USDA|VA) 1 $545,000 $545,000 $0 3.63%
Meadville, PA (FHA|USDA|VA) 3 $535,000 $178,333 $0 2.88%
Gaffney, SC (FHA|USDA|VA) 1 $535,000 $535,000 $2,658 2.50%
YUMA, AZ (FHA|USDA|VA) 3 $535,000 $178,333 $4,879 2.38%
New Castle, PA (FHA|USDA|VA) 4 $530,000 $132,500 $0 2.88%
ANCHORAGE, AK (FHA|USDA|VA) 1 $515,000 $515,000 $15,894 2.50%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 4 $510,000 $127,500 $2,635 2.72%
FLINT, MI (FHA|USDA|VA) 3 $495,000 $165,000 $4,389 3.21%
Easton, MD (FHA|USDA|VA) 2 $490,000 $245,000 $2,387 2.56%
KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) 1 $485,000 $485,000 $0 2.88%
GREENVILLE, NC (FHA|USDA|VA) 2 $480,000 $240,000 $6,434 4.63%
ALBANY-LEBANON, OR (FHA|USDA|VA) 2 $480,000 $240,000 $5,198 2.69%
Fort Morgan, CO (FHA|USDA|VA) 2 $480,000 $240,000 $3,761 3.12%
Okeechobee, FL (FHA|USDA|VA) 2 $450,000 $225,000 $9,756 3.50%
Lewistown, PA (FHA|USDA|VA) 3 $445,000 $148,333 $0 2.75%
Hereford, TX (FHA|USDA|VA) 1 $445,000 $445,000 $8,954 6.83%
CORPUS CHRISTI, TX (FHA|USDA|VA) 2 $440,000 $220,000 $10,272 3.99%
Vernal, UT (FHA|USDA|VA) 1 $425,000 $425,000 $3,895 5.40%
LANSING-EAST LANSING, MI (FHA|USDA|VA) 3 $425,000 $141,667 $4,833 3.69%
Moultrie, GA (FHA|USDA|VA) 2 $420,000 $210,000 $1,815 2.68%
COLUMBUS, IN (FHA|USDA|VA) 2 $410,000 $205,000 $2,226 2.63%
Steamboat Springs, CO (FHA|USDA|VA) 2 $410,000 $205,000 $0 3.25%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 2 $410,000 $205,000 $6,649 3.93%
PEORIA, IL (FHA|USDA|VA) 3 $405,000 $135,000 $3,399 3.04%
Shelbyville, TN (FHA|USDA|VA) 2 $400,000 $200,000 $4,245 3.18%
KANKAKEE, IL (FHA|USDA|VA) 2 $380,000 $190,000 $7,490 3.69%
LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 2 $380,000 $190,000 $0 2.81%
KANSAS CITY, MO-KS (FHA|USDA|VA) 1 $375,000 $375,000 $13,140 4.38%
JANESVILLE-BELOIT, WI (FHA|USDA|VA) 1 $375,000 $375,000 $0 2.38%
Astoria, OR (FHA|USDA|VA) 1 $375,000 $375,000 $6,016 3.88%
Berlin, NH (FHA|USDA|VA) 2 $370,000 $185,000 $4,862 3.53%
HUNTSVILLE, AL (FHA|USDA|VA) 2 $370,000 $185,000 $2,002 3.06%
Huntsville, TX (FHA|USDA|VA) 1 $365,000 $365,000 $0 2.99%
FARGO, ND-MN (FHA|USDA|VA) 1 $365,000 $365,000 $0 2.88%
Danville, VA (FHA|USDA|VA) 2 $360,000 $180,000 $0 2.81%
Lufkin, TX (FHA|USDA|VA) 1 $355,000 $355,000 $1,799 2.88%
Whitewater, WI (FHA|USDA|VA) 1 $355,000 $355,000 $10,858 5.55%
Marion, IN (FHA|USDA|VA) 1 $355,000 $355,000 $0 3.75%
LIMA, OH (FHA|USDA|VA) 1 $345,000 $345,000 $16,880 2.75%
BELLINGHAM, WA (FHA|USDA|VA) 1 $345,000 $345,000 $1,856 3.50%
RACINE, WI (FHA|USDA|VA) 2 $340,000 $170,000 $2,239 3.00%
SHEBOYGAN, WI (FHA|USDA|VA) 1 $335,000 $335,000 $0 2.75%
Scottsburg, IN (FHA|USDA|VA) 2 $330,000 $165,000 $1,559 2.38%
Rochelle, IL (FHA|USDA|VA) 2 $330,000 $165,000 $3,958 3.25%
SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) 1 $325,000 $325,000 $10,132 2.63%
Wilson, NC (FHA|USDA|VA) 2 $320,000 $160,000 $3,194 2.75%
Ludington, MI (FHA|USDA|VA) 1 $315,000 $315,000 $9,556 2.99%
CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) 2 $310,000 $155,000 $2,405 3.31%
Selinsgrove, PA (FHA|USDA|VA) 2 $310,000 $155,000 $0 3.06%
Andrews, TX (FHA|USDA|VA) 1 $305,000 $305,000 $0 2.99%
BOWLING GREEN, KY (FHA|USDA|VA) 1 $295,000 $295,000 $1,601 2.50%
Plymouth, IN (FHA|USDA|VA) 1 $295,000 $295,000 $0 2.88%
Granbury, TX (FHA|USDA|VA) 1 $295,000 $295,000 $0 4.90%
Fergus Falls, MN (FHA|USDA|VA) 1 $295,000 $295,000 $0 3.13%
Albertville, AL (FHA|USDA|VA) 2 $290,000 $145,000 $3,382 3.13%
ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 1 $285,000 $285,000 $0 4.88%
CHEYENNE, WY (FHA|USDA|VA) 1 $275,000 $275,000 $1,945 2.88%
EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 1 $275,000 $275,000 $0 4.78%
TOPEKA, KS (FHA|USDA|VA) 1 $275,000 $275,000 $4,664 6.75%
Washington, IN (FHA|USDA|VA) 1 $275,000 $275,000 $0 2.63%
KOKOMO, IN (FHA|USDA|VA) 1 $275,000 $275,000 $0 2.88%
FLORENCE, SC (FHA|USDA|VA) 2 $270,000 $135,000 $3,106 3.13%
OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 2 $270,000 $135,000 $3,113 2.38%
SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 1 $265,000 $265,000 $1,704 2.88%
Brainerd, MN (FHA|USDA|VA) 1 $255,000 $255,000 $8,087 2.63%
Klamath Falls, OR (FHA|USDA|VA) 1 $255,000 $255,000 $10,123 2.75%
Morehead City, NC (FHA|USDA|VA) 1 $255,000 $255,000 $1,967 2.75%
LONGVIEW, WA (FHA|USDA|VA) 1 $255,000 $255,000 $2,174 2.99%
Newport, OR (FHA|USDA|VA) 1 $245,000 $245,000 $3,292 3.00%
BATTLE CREEK, MI (FHA|USDA|VA) 1 $245,000 $245,000 $6,198 2.50%
APPLETON, WI (FHA|USDA|VA) 1 $245,000 $245,000 $0 2.75%
CaƱon City, CO (FHA|USDA|VA) 1 $245,000 $245,000 $6,172 2.75%
KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 1 $245,000 $245,000 $10,020 4.20%
STAUNTON, VA (FHA|USDA|VA) 1 $245,000 $245,000 $0 5.28%
Lock Haven, PA (FHA|USDA|VA) 1 $245,000 $245,000 $6,947 4.55%
Amsterdam, NY (FHA|USDA|VA) 2 $240,000 $120,000 $4,525 2.81%
Washington, NC (FHA|USDA|VA) 1 $235,000 $235,000 $5,185 2.63%
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 1 $235,000 $235,000 $5,742 2.63%
Tupelo, MS (FHA|USDA|VA) 1 $235,000 $235,000 $834 2.88%
Sterling, CO (FHA|USDA|VA) 1 $235,000 $235,000 $3,219 2.38%
Forest City, NC (FHA|USDA|VA) 1 $225,000 $225,000 $6,602 2.38%
Lewisburg, TN (FHA|USDA|VA) 1 $225,000 $225,000 $4,053 2.00%
HANFORD-CORCORAN, CA (FHA|USDA|VA) 1 $215,000 $215,000 $758 2.99%
Sanford, NC (FHA|USDA|VA) 1 $215,000 $215,000 $3,241 3.38%
Cullowhee, NC (FHA|USDA|VA) 1 $215,000 $215,000 $0 5.55%
ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) 1 $215,000 $215,000 $0 2.63%
HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) 1 $205,000 $205,000 $5,016 2.75%
Brenham, TX (FHA|USDA|VA) 1 $205,000 $205,000 $0 2.75%
GULFPORT-BILOXI, MS (FHA|USDA|VA) 1 $205,000 $205,000 $5,545 2.75%
Malone, NY (FHA|USDA|VA) 1 $195,000 $195,000 $4,897 3.13%
Paragould, AR (FHA|USDA|VA) 1 $195,000 $195,000 $2,825 2.50%
Hutchinson, MN (FHA|USDA|VA) 1 $185,000 $185,000 $6,064 2.75%
JOPLIN, MO (FHA|USDA|VA) 1 $185,000 $185,000 $5,063 3.50%
DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 1 $185,000 $185,000 $5,069 2.25%
Roseburg, OR (FHA|USDA|VA) 1 $185,000 $185,000 $5,757 3.13%
Payson, AZ (FHA|USDA|VA) 1 $175,000 $175,000 $7,485 3.25%
ROCKFORD, IL (FHA|USDA|VA) 1 $175,000 $175,000 $8,371 5.20%
TOLEDO, OH (FHA|USDA|VA) 1 $165,000 $165,000 $944 2.25%
PINE BLUFF, AR (FHA|USDA|VA) 1 $165,000 $165,000 $2,949 2.88%
MANSFIELD, OH (FHA|USDA|VA) 1 $165,000 $165,000 $7,261 2.50%
Seneca, SC (FHA|USDA|VA) 1 $165,000 $165,000 $2,071 2.88%
PUEBLO, CO (FHA|USDA|VA) 2 $160,000 $80,000 $1,591 2.88%
THE VILLAGES, FL (FHA|USDA|VA) 1 $155,000 $155,000 $0 5.85%
Marion, NC (FHA|USDA|VA) 1 $155,000 $155,000 $5,579 2.88%
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 1 $155,000 $155,000 $6,875 4.25%
Traverse City, MI (FHA|USDA|VA) 1 $145,000 $145,000 $3,104 2.99%
NEW BERN, NC (FHA|USDA|VA) 1 $145,000 $145,000 $3,075 2.25%
Galesburg, IL (FHA|USDA|VA) 2 $140,000 $70,000 $4,963 3.00%
London, KY (FHA|USDA|VA) 1 $135,000 $135,000 $970 3.50%
ELMIRA, NY (FHA|USDA|VA) 1 $135,000 $135,000 $3,750 3.38%
DALTON, GA (FHA|USDA|VA) 1 $135,000 $135,000 $1,454 3.13%
SAVANNAH, GA (FHA|USDA|VA) 1 $135,000 $135,000 $4,690 2.99%
Orangeburg, SC (FHA|USDA|VA) 1 $135,000 $135,000 $5,723 2.63%
MONROE, MI (FHA|USDA|VA) 1 $135,000 $135,000 $2,746 3.75%
Beaver Dam, WI (FHA|USDA|VA) 1 $135,000 $135,000 $5,212 3.25%
Wilmington, OH (FHA|USDA|VA) 1 $135,000 $135,000 $1,737 3.38%
LAWTON, OK (FHA|USDA|VA) 1 $135,000 $135,000 $4,393 3.25%
Holland, MI (FHA|USDA|VA) 1 $125,000 $125,000 $1,351 2.25%
JOHNSON CITY, TN (FHA|USDA|VA) 1 $125,000 $125,000 $2,091 2.63%
MUNCIE, IN (FHA|USDA|VA) 1 $125,000 $125,000 $0 3.88%
Bardstown, KY (FHA|USDA|VA) 1 $125,000 $125,000 $3,466 2.63%
Elk City, OK (FHA|USDA|VA) 1 $125,000 $125,000 $2,432 4.38%
Harrison, AR (FHA|USDA|VA) 1 $125,000 $125,000 $1,804 2.38%
OSHKOSH-NEENAH, WI (FHA|USDA|VA) 1 $125,000 $125,000 $4,262 2.63%
BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 1 $115,000 $115,000 $4,312 3.00%
Montrose, CO (FHA|USDA|VA) 1 $115,000 $115,000 $1,035 2.75%
MORGANTOWN, WV (FHA|USDA|VA) 1 $115,000 $115,000 $3,047 2.50%
Hobbs, NM (FHA|USDA|VA) 1 $115,000 $115,000 $3,330 2.38%
CHARLESTON, WV (FHA|USDA|VA) 1 $115,000 $115,000 $2,854 2.38%
Union, SC (FHA|USDA|VA) 1 $115,000 $115,000 $6,416 6.40%
Zanesville, OH (FHA|USDA|VA) 1 $105,000 $105,000 $932 2.99%
Greensburg, IN (FHA|USDA|VA) 1 $105,000 $105,000 $0 3.50%
WARNER ROBINS, GA (FHA|USDA|VA) 1 $105,000 $105,000 $0 5.00%
WAUSAU-WESTON, WI (FHA|USDA|VA) 1 $105,000 $105,000 $1,384 2.99%
ANN ARBOR, MI (FHA|USDA|VA) 1 $95,000 $95,000 $2,951 3.88%
SUMTER, SC (FHA|USDA|VA) 1 $95,000 $95,000 $2,676 3.75%
Jamestown, ND (FHA|USDA|VA) 1 $95,000 $95,000 $935 2.38%
FARMINGTON, NM (FHA|USDA|VA) 1 $95,000 $95,000 $1,533 2.50%
SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 1 $95,000 $95,000 $0 2.88%
MACON-BIBB COUNTY, GA (FHA|USDA|VA) 1 $85,000 $85,000 $1,957 2.00%
Laurinburg, NC (FHA|USDA|VA) 1 $85,000 $85,000 $2,341 2.63%
MOBILE, AL (FHA|USDA|VA) 1 $75,000 $75,000 $1,386 3.25%
GOLDSBORO, NC (FHA|USDA|VA) 1 $75,000 $75,000 $3,080 2.63%
Olean, NY (FHA|USDA|VA) 1 $65,000 $65,000 $3,440 2.88%

Arc Home 's top markets include New York, Los Angeles, Washington, Miami, and San Francisco among others.

Product Mix

Loan Type Originations Total Value Average Loan Average Fees Average Rate
Conventional 9,934 $3,858,670,000 $388,431 $8,569 3.33%
FHA 862 $235,320,000 $272,993 $9,951 2.91%
VA 233 $79,375,000 $340,665 $8,185 2.65%

For the 2021 period, Arc Home 's most frequently originated loan type of loans were Conventional, with 9,934 originations. Their 2nd most popular type is FHA, with 862 originations.

Loan Reason

Loan Reason Originations Total Value Average Loan Average Fees Average Rate
Home Purchase 4,133 $1,715,475,000 $415,068 $10,949 3.61%
Refi 3,914 $1,325,820,000 $338,738 $6,132 2.90%
Cash Out Refi 2,981 $1,131,805,000 $379,673 $8,912 3.34%
Other 1 $265,000 $265,000 $0 2.50%

For the 2021, Arc Home 's most frequently cited loan purpose of loans were Home Purchase, with 4,133 originations. The 2nd most popular reason of loans were Refi, with 3,914 originations.

Loan Duration/Length

Loan Length Originations Total Value Average Loan Average Fees Average Rate
30 Year 8,747 $3,575,425,000 $408,760 $9,885 3.46%
15 Year 1,352 $328,290,000 $242,818 $3,324 2.44%
20 Year 487 $119,005,000 $244,363 $3,107 2.79%
Other 259 $73,665,000 $284,421 $3,137 2.84%
10 Year 141 $28,555,000 $202,518 $2,634 2.34%
30+ year 43 $48,425,000 $1,126,163 $23,599 4.22%

For the 2021, Arc Home 's most frequently cited loan length of loans were 30 Year, with 8,747 originations. The 2nd most popular length of loans were 15 Year, with 1,352 originations.

Origination Fees

Origination Fee Originations Total Value Average Loan
$<1k 2,941 $899,005,000 $305,680
$5k+ 2,686 $1,622,710,000 $604,136
$3k-4k 744 $220,480,000 $296,344
$1k-2k 734 $260,120,000 $354,387
$2k-3k 431 $127,175,000 $295,070

$9,885 of loans were Arc Home 's average total fees, while their most frequently occuring range of origination fees were in the $<1k bucket, with 2,941 originations.

Interest Rates

Loan Rate Originations Total Value Average Loan
2.5-3% 4,241 $1,313,655,000 $309,751
3-4% 3,458 $1,493,980,000 $432,036
<2.5% 1,665 $461,365,000 $277,096
4-5% 988 $563,110,000 $569,949
5-6% 494 $255,350,000 $516,903
6-7% 148 $73,150,000 $494,257
7-8% 27 $10,575,000 $391,667
Over 8% 1 $105,000 $105,000

During 2021, Arc Home 's average interest rate of loans were 3.46%, while their most frequently originated rate bucket of loans were 2.5-3%, with 4,241 originations.

Loan Sizing

Loan Size Originations Total Value Average Loan Average Fees Average Rate
$200k-400k 5,025 $1,455,485,000 $289,649 $6,265 3.19%
$100k-200k 2,335 $362,175,000 $155,107 $3,978 3.11%
$400k-600k 2,106 $1,017,430,000 $483,110 $9,288 3.30%
$600k-1MM 779 $586,715,000 $753,164 $16,576 3.90%
$1MM+ 483 $726,785,000 $1,504,731 $29,421 4.13%
$100,000 or less 301 $24,775,000 $82,309 $2,893 2.97%

2021 saw Arc Home place emphasis on $200k-400k loans with 5,025 originations, totaling $1,455,485,000 in origination value.

Applicant Income

Applicant Income Originations Total Value Average Loan Average Fees Average Rate
$100k-150k 2,495 $859,825,000 $344,619 $7,385 3.13%
$150k-250k 1,869 $812,815,000 $434,893 $9,016 3.21%
$75k-100k 1,847 $535,335,000 $289,840 $6,486 3.06%
$50k-75k 1,817 $426,745,000 $234,862 $5,880 3.05%
$250k+ 1,444 $1,125,480,000 $779,418 $17,245 3.75%
$50k or less 940 $170,500,000 $181,383 $5,483 3.17%

Arc Home lent most frequently to those with incomes in the $100k-150k range, with 2,495 originations. The second most popular income band? $150k-250k, with 1,869 originations.

Applicant Debt to Income Ratio

DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
20-30% 2,279 $819,025,000 $359,379 $7,698 3.12%
30-36% 1,880 $648,020,000 $344,691 $7,487 3.16%
<20% 1,157 $471,275,000 $407,325 $9,723 3.30%
42% 442 $173,170,000 $391,787 $9,281 3.26%
44% 399 $164,325,000 $411,842 $9,873 3.28%
41% 395 $148,245,000 $375,304 $8,646 3.20%
43% 392 $145,410,000 $370,944 $8,342 3.22%
39% 357 $130,415,000 $365,308 $8,626 3.15%
36% 356 $126,810,000 $356,208 $7,494 3.16%
40% 353 $130,715,000 $370,297 $7,395 3.23%
37% 352 $136,470,000 $387,699 $8,305 3.19%
38% 337 $131,825,000 $391,172 $9,017 3.27%
49% 336 $151,710,000 $451,518 $11,795 3.40%
45% 333 $123,355,000 $370,435 $9,022 3.22%
47% 293 $131,265,000 $448,003 $11,463 3.34%
46% 274 $114,120,000 $416,496 $10,393 3.32%
48% 272 $110,680,000 $406,912 $9,537 3.26%
50-60% 209 $75,105,000 $359,354 $10,427 2.95%
>60% 38 $13,990,000 $368,158 $15,538 4.89%

Arc Home lent most frequently to those with DTI ratios of 20-30%, with 2,279 originations. The next most common DTI ratio? 30-36%, with 1,880 originations.

Ethnicity Mix

Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
White 7,565 $2,813,755,000 $371,944 $9,442 3.29%
Not provided 1,855 $697,905,000 $376,229 $6,842 3.24%
Asian 1,022 $442,440,000 $432,916 $7,003 3.18%
Black 503 $179,105,000 $356,074 $8,925 3.49%
American Indian 36 $12,610,000 $350,278 $6,216 3.25%
Asian Indian 12 $9,020,000 $751,667 $15,419 3.99%
Native Hawaiian 20 $7,870,000 $393,500 $7,864 3.39%
Chinese 4 $3,940,000 $985,000 $23,737 3.81%
Other Asian 4 $2,550,000 $637,500 $15,293 3.77%
Vietnamese 3 $1,725,000 $575,000 $10,909 3.63%
Other Pacific Islander 3 $1,585,000 $528,333 $14,158 3.13%
Filipino 2 $860,000 $430,000 $10,659 4.16%

Approval Rates

Total approvals of all applications
96.62%

Arc Home has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.

Pick Rate

Approvals leading to origination
60.74%

Arc Home has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.

Points and Fees

Points Originations Total Value Average Loan
NA 11,029 $4,173,365,000 $378,399

Occupancy Type Mix

Dwelling Type Originations Total Value Average Loan
11,029 $4,173,365,000 $378,399

LTV Distribution

Loan to Value Originations Total Value Average Loan Average Fees Average Rate
20-40% 616 $181,860,000 $295,227 $5,562 2.89%
40-60% 2,300 $819,880,000 $356,470 $6,379 2.99%
60-80% 5,058 $2,049,920,000 $405,283 $9,597 3.43%
80-100% 2,963 $1,094,325,000 $369,330 $9,755 3.36%
Over 100% 31 $13,985,000 $451,129 $18,075 2.73%
Under 20% 59 $12,705,000 $215,339 $4,213 2.75%