Arc Home Mortgage Rates, Fees & Info

BALTIMORE, MD

LEI: 54930048P8RWCQHQM310

Tax ID: 14-1841762

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

Latest/2021 | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

  • SimulatedRates™
  • Review & 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 by origination volume include: New York, Los Angeles, Washington, Miami, and San Francisco among others. We have data for 380 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Arc Home has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Arc Home is typically a high fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.


    SimulatedRates™

    Mortgage Type
    Simulated Rate Simulation Date
    30 Year Conventional Purchase 7.30% 1/29/23
    30 Year Conventional Refi 6.54% 1/29/23
    30 Year Cash-out Refi 6.89% 1/29/23
    30 Year FHA Purchase 7.29% 1/29/23
    30 Year FHA Refi 7.06% 1/29/23
    30 Year VA Purchase 6.17% 1/29/23
    30 Year VA Refi 5.92% 1/29/23
    15 Year Conventional Purchase 5.94% 1/29/23
    15 Year Conventional Refi 5.80% 1/29/23
    15 Year Cash-out Refi 5.80% 1/29/23
    15 Year FHA Purchase 5.68% 1/29/23
    15 Year FHA Refi 6.84% 1/29/23
    15 Year VA Purchase 5.68% 1/29/23
    15 Year VA Refi 5.68% 1/29/23
    These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.


    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 mortgage rate was 3.46%.

    The 2021 average 30 year fixed rate mortgage across all markets and lenders was 3.15%.

    This yields a difference of 0.31%.

    Relative Fees (Closing Costs)

    Arc Home's average total fees/closing costs for a 30 year fixed rate mortgage were $9,885.

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

    Top Markets

    Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

    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%
    Cañon 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.

    Their top states include:
  • California (FHA|USDA|VA)
  • New York (FHA|USDA|VA)
  • New Jersey (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Pennsylvania (FHA|USDA|VA)
  • Similar Lenders

    We use machine learning to identify the top lenders compared against ARC HOME based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    SOMERSET
    Similarity Rank: 87
    Homestar Mortgage, Inc.
    Similarity Rank: 156
    Los Angeles Federal Credit Union
    Similarity Rank: 170
    Middlesex Savings Bank
    Similarity Rank: 174
    FALL RIVER MUNICIPAL CREDIT UNION
    Similarity Rank: 396
    OCEAN STATE CREDIT UNION
    Similarity Rank: 405
    Louviers Federal Credit Union
    Similarity Rank: 410
    TEG Federal Credit Union
    Similarity Rank: 420

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. 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 2021, Arc Home's most frequently originated type of loan was Conventional, with 9,934 originations. Their 2nd most popular type was FHA, with 862 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. 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 2021, Arc Home's most frequently cited loan purpose was Home Purchase, with 4,133 originations. The 2nd most popular reason was 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 2021, Arc Home's most frequently cited loan duration was 30 Year, with 8,747 originations. The 2nd most popular length was 15 Year, with 1,352 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 2,941 $899,005,000 $305,680
    $5k+ 2,686 $1,622,710,000 $604,136
    $1k-2k 734 $260,120,000 $354,387
    $2k-3k 431 $127,175,000 $295,070
    $3k-4k 380 $111,290,000 $292,868
    $4k-5k 364 $109,190,000 $299,973

    Arc Home's average total fees were $9,885, while their most frequently occuring range of origination fees (closing costs) 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 for loans was 3.46%, while their most frequently originated rate bucket for loans was 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 or Islander 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
    97.26%

    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
    54.97%

    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%