Arc Home Mortgage Rates, Fees & Info
BALTIMORE, MDLEI: 54930048P8RWCQHQM310
Tax ID: 14-1841762
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Mortgage Data
Review & Overview
Arc Home is a smaller mortgage company specializing in Home Purchase, Refi, and Cash Out Refi loans. Arc Home has a high proportion of conventional loans. They have a a high proportion of FHA loans. Their top markets by origination volume include: New York, Washington, Philadelphia, Baltimore, and Boston among others. We have data for 310 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 | 7.36% | 4/21/24 |
| 30 Year Conventional Refi | 6.77% | 4/21/24 |
| 30 Year Cash-out Refi | 7.24% | 4/21/24 |
| 30 Year FHA Purchase | 7.33% | 4/21/24 |
| 30 Year FHA Refi | 6.98% | 4/21/24 |
| 30 Year VA Purchase | 6.19% | 4/21/24 |
| 30 Year VA Refi | 5.70% | 4/21/24 |
| 30 Year USDA Purchase | 6.94% | 4/21/24 |
| 30 Year USDA Refi | 6.58% | 4/21/24 |
| 15 Year Conventional Purchase | 6.19% | 4/21/24 |
| 15 Year Conventional Refi | 5.92% | 4/21/24 |
| 15 Year Cash-out Refi | 5.92% | 4/21/24 |
| 15 Year FHA Purchase | 5.68% | 4/21/24 |
| 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. | ||
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
2,094Origination Dollar Volume (All Markets)
$509,650,000Awards
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ARC HOME - 2018
ARC HOME is a 2018 , due to their low .
For 2018, less than of lenders were eligible for this award.
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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) | 224 | $81,700,000 | $364,732 | $20,052 | 4.53% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 211 | $75,365,000 | $357,180 | $13,100 | 4.64% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 184 | $42,640,000 | $231,739 | $9,736 | 4.55% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 76 | $18,460,000 | $242,895 | $10,862 | 4.63% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 46 | $16,150,000 | $351,087 | $12,032 | 4.72% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 61 | $15,205,000 | $249,262 | $4,507 | 4.82% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 69 | $14,015,000 | $203,116 | $6,095 | 4.49% |
| POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) | 47 | $12,475,000 | $265,426 | $16,346 | 4.68% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 31 | $11,345,000 | $365,968 | $8,523 | 4.48% |
| Outside of Metro Areas | 67 | $9,375,000 | $139,925 | $3,545 | 4.53% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 22 | $8,970,000 | $407,727 | $9,142 | 4.54% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 30 | $8,600,000 | $286,667 | $7,598 | 4.56% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 39 | $8,495,000 | $217,821 | $4,597 | 4.36% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 22 | $7,180,000 | $326,364 | $7,249 | 4.24% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 25 | $6,685,000 | $267,400 | $10,640 | 4.59% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 32 | $6,250,000 | $195,313 | $4,327 | 4.45% |
| LOUISVILLE, KY (FHA|USDA|VA) | 24 | $4,830,000 | $201,250 | $5,883 | 4.49% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 19 | $4,395,000 | $231,316 | $7,351 | 4.70% |
| ROCHESTER, NY (FHA|USDA|VA) | 28 | $4,380,000 | $156,429 | $10,450 | 4.66% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 22 | $4,250,000 | $193,182 | $7,065 | 4.35% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 14 | $4,030,000 | $287,857 | $14,631 | 4.43% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 15 | $3,815,000 | $254,333 | $9,562 | 4.46% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 19 | $3,715,000 | $195,526 | $8,759 | 4.58% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 16 | $3,440,000 | $215,000 | $6,195 | 4.63% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 10 | $3,140,000 | $314,000 | $8,066 | 4.44% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 10 | $2,950,000 | $295,000 | $7,860 | 4.60% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 12 | $2,760,000 | $230,000 | $10,248 | 4.44% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 3 | $2,635,000 | $878,333 | $11,720 | 4.75% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 14 | $2,600,000 | $185,714 | $3,197 | 4.46% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 13 | $2,435,000 | $187,308 | $3,239 | 4.63% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 16 | $2,360,000 | $147,500 | $3,438 | 4.43% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 9 | $2,335,000 | $259,444 | $9,282 | 4.39% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 6 | $2,250,000 | $375,000 | $15,578 | 4.15% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 11 | $2,175,000 | $197,727 | $7,911 | 4.41% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 10 | $2,120,000 | $212,000 | $4,364 | 4.89% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 16 | $2,080,000 | $130,000 | $1,641 | 4.35% |
| OCEAN CITY, NJ (FHA|USDA|VA) | 7 | $2,015,000 | $287,857 | $7,539 | 4.46% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 8 | $1,870,000 | $233,750 | $7,656 | 3.98% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 9 | $1,785,000 | $198,333 | $10,561 | 4.87% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 6 | $1,720,000 | $286,667 | $5,444 | 3.75% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 8 | $1,590,000 | $198,750 | $4,650 | 4.61% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 5 | $1,575,000 | $315,000 | $8,973 | 4.25% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 12 | $1,460,000 | $121,667 | $2,179 | 4.43% |
| SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) | 14 | $1,460,000 | $104,286 | $1,955 | 4.41% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 6 | $1,440,000 | $240,000 | $4,470 | 4.33% |
| ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) | 7 | $1,415,000 | $202,143 | $8,898 | 4.77% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 6 | $1,340,000 | $223,333 | $7,898 | 4.10% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 7 | $1,325,000 | $189,286 | $11,959 | 4.20% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 5 | $1,265,000 | $253,000 | $11,390 | 4.68% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 5 | $1,255,000 | $251,000 | $9,376 | 4.80% |
| TUCSON, AZ (FHA|USDA|VA) | 7 | $1,225,000 | $175,000 | $3,586 | 4.18% |
| HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) | 6 | $1,180,000 | $196,667 | $6,415 | 4.38% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 5 | $1,175,000 | $235,000 | $8,172 | 4.38% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 5 | $1,155,000 | $231,000 | $6,101 | 4.63% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 7 | $1,155,000 | $165,000 | $4,564 | 4.61% |
| MANCHESTER-NASHUA, NH (FHA|USDA|VA) | 4 | $1,070,000 | $267,500 | $11,036 | 4.56% |
| GREELEY, CO (FHA|USDA|VA) | 3 | $1,055,000 | $351,667 | $7,832 | 4.75% |
| BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) | 6 | $1,020,000 | $170,000 | $8,444 | 4.33% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 5 | $1,015,000 | $203,000 | $6,166 | 4.13% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 7 | $975,000 | $139,286 | $2,504 | 4.29% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 5 | $965,000 | $193,000 | $3,602 | 4.68% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 5 | $955,000 | $191,000 | $4,674 | 4.65% |
| COLUMBUS, OH (FHA|USDA|VA) | 10 | $930,000 | $93,000 | $826 | 4.50% |
| YAKIMA, WA (FHA|USDA|VA) | 4 | $910,000 | $227,500 | $6,579 | 4.19% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 5 | $895,000 | $179,000 | $5,776 | 4.53% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 3 | $895,000 | $298,333 | $5,491 | 4.25% |
| BARNSTABLE TOWN, MA (FHA|USDA|VA) | 3 | $875,000 | $291,667 | $7,875 | 4.38% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 4 | $870,000 | $217,500 | $5,324 | 4.59% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 5 | $865,000 | $173,000 | $3,537 | 4.58% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 4 | $850,000 | $212,500 | $7,948 | 4.53% |
| SAVANNAH, GA (FHA|USDA|VA) | 6 | $840,000 | $140,000 | $1,995 | 4.44% |
| BOISE CITY, ID (FHA|USDA|VA) | 6 | $830,000 | $138,333 | $3,477 | 4.54% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 6 | $820,000 | $136,667 | $2,050 | 4.29% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 6 | $790,000 | $131,667 | $3,662 | 4.29% |
| AKRON, OH (FHA|USDA|VA) | 5 | $765,000 | $153,000 | $7,694 | 4.68% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 6 | $740,000 | $123,333 | $1,416 | 4.48% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 2 | $730,000 | $365,000 | $5,986 | 4.25% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 6 | $690,000 | $115,000 | $1,769 | 4.77% |
| LYNCHBURG, VA (FHA|USDA|VA) | 3 | $685,000 | $228,333 | $3,179 | 4.42% |
| RICHMOND, VA (FHA|USDA|VA) | 3 | $675,000 | $225,000 | $5,700 | 4.63% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 2 | $670,000 | $335,000 | $4,129 | 4.75% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 6 | $660,000 | $110,000 | $999 | 4.50% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 6 | $640,000 | $106,667 | $2,425 | 4.58% |
| VISALIA, CA (FHA|USDA|VA) | 3 | $635,000 | $211,667 | $8,452 | 4.13% |
| KNOXVILLE, TN (FHA|USDA|VA) | 4 | $630,000 | $157,500 | $3,770 | 4.41% |
| WILMINGTON, NC (FHA|USDA|VA) | 3 | $625,000 | $208,333 | $6,313 | 4.21% |
| Breckenridge, CO (FHA|USDA|VA) | 1 | $625,000 | $625,000 | $16,918 | 3.88% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 3 | $625,000 | $208,333 | $11,640 | 4.38% |
| SALEM, OR (FHA|USDA|VA) | 3 | $605,000 | $201,667 | $6,228 | 4.17% |
| EAST STROUDSBURG, PA (FHA|USDA|VA) | 5 | $605,000 | $121,000 | $6,523 | 4.88% |
| Ukiah, CA (FHA|USDA|VA) | 2 | $600,000 | $300,000 | $7,122 | 4.06% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 3 | $595,000 | $198,333 | $5,535 | 4.42% |
| ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) | 3 | $585,000 | $195,000 | $12,158 | 4.25% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 2 | $570,000 | $285,000 | $10,633 | 4.13% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 4 | $560,000 | $140,000 | $4,031 | 4.03% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 2 | $550,000 | $275,000 | $9,037 | 4.25% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 3 | $545,000 | $181,667 | $2,253 | 4.67% |
| MONROE, MI (FHA|USDA|VA) | 3 | $545,000 | $181,667 | $3,079 | 4.83% |
| Jefferson, GA (FHA|USDA|VA) | 3 | $535,000 | $178,333 | $5,621 | 4.25% |
| GAINESVILLE, FL (FHA|USDA|VA) | 3 | $535,000 | $178,333 | $2,435 | 4.58% |
| MADERA, CA (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $5,061 | 4.13% |
| Concord, NH (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $9,174 | 4.38% |
| Holland, MI (FHA|USDA|VA) | 4 | $510,000 | $127,500 | $1,567 | 4.41% |
| IDAHO FALLS, ID (FHA|USDA|VA) | 3 | $505,000 | $168,333 | $3,461 | 4.29% |
| WENATCHEE, WA (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $24,827 | 4.63% |
| LANCASTER, PA (FHA|USDA|VA) | 4 | $500,000 | $125,000 | $8,040 | 4.81% |
| SPRINGFIELD, MA (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $9,080 | 4.13% |
| STOCKTON, CA (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $7,467 | 4.06% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 3 | $495,000 | $165,000 | $2,515 | 4.67% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 3 | $485,000 | $161,667 | $4,294 | 4.29% |
| FRESNO, CA (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $11,863 | 4.25% |
| COLUMBIA, SC (FHA|USDA|VA) | 3 | $455,000 | $151,667 | $4,568 | 4.08% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $6,099 | 4.56% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 3 | $445,000 | $148,333 | $13,016 | 4.21% |
| PITTSBURGH, PA (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $4,042 | 4.69% |
| MODESTO, CA (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $3,598 | 4.69% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 3 | $435,000 | $145,000 | $4,199 | 4.71% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 3 | $425,000 | $141,667 | $3,983 | 4.13% |
| Clearlake, CA (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $8,801 | 4.63% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 3 | $415,000 | $138,333 | $6,546 | 4.58% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $3,750 | 4.19% |
| COLUMBUS, GA-AL (FHA|USDA|VA) | 4 | $410,000 | $102,500 | $3,038 | 4.06% |
| ROANOKE, VA (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $4,657 | 4.19% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 3 | $395,000 | $131,667 | $4,542 | 4.21% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $7,950 | 3.75% |
| MONTGOMERY, AL (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $6,810 | 4.81% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $4,130 | 4.88% |
| JACKSONVILLE, NC (FHA|USDA|VA) | 3 | $385,000 | $128,333 | $4,036 | 4.33% |
| EL PASO, TX (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $5,174 | 3.63% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $6,994 | 4.19% |
| Centralia, WA (FHA|USDA|VA) | 3 | $375,000 | $125,000 | $2,770 | 3.88% |
| Milledgeville, GA (FHA|USDA|VA) | 3 | $365,000 | $121,667 | $691 | 5.04% |
| SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $5,721 | 4.75% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $2,366 | 4.56% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $1,011 | 4.25% |
| HARRISONBURG, VA (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $17,066 | 4.50% |
| YUMA, AZ (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $2,781 | 4.00% |
| GAINESVILLE, GA (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $9,441 | 5.25% |
| SYRACUSE, NY (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $7,951 | 4.31% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 3 | $325,000 | $108,333 | $590 | 4.67% |
| MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $10,943 | 3.38% |
| RACINE, WI (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $1,752 | 5.38% |
| Gardnerville Ranchos, NV (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $4,689 | 3.75% |
| WICHITA, KS (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $5,141 | 3.94% |
| FAIRBANKS, AK (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $7,261 | 4.50% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $3,559 | 3.75% |
| Brevard, NC (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $3,353 | 4.63% |
| New Philadelphia-Dover, OH (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $4,526 | 3.88% |
| Hudson, NY (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $15,355 | 3.88% |
| ALEXANDRIA, LA (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $10,022 | 3.38% |
| CHEYENNE, WY (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $2,684 | 4.00% |
| Natchez, MS-LA (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $5,515 | 4.13% |
| ROCKY MOUNT, NC (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $5,822 | 4.38% |
| DOTHAN, AL (FHA|USDA|VA) | 3 | $275,000 | $91,667 | $471 | 4.63% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $4,136 | 4.75% |
| LANSING-EAST LANSING, MI (FHA|USDA|VA) | 3 | $275,000 | $91,667 | $2,861 | 4.46% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 3 | $265,000 | $88,333 | $933 | 4.63% |
| REDDING, CA (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $5,985 | 3.25% |
| Oak Harbor, WA (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $10,201 | 3.50% |
| MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $13,131 | 3.88% |
| MERCED, CA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $1,954 | 5.13% |
| ASHEVILLE, NC (FHA|USDA|VA) | 3 | $255,000 | $85,000 | $1,830 | 4.46% |
| Lebanon, NH-VT (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $7,650 | 4.50% |
| MIDLAND, MI (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $6,844 | 4.50% |
| Shelton, WA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $4,710 | 3.75% |
| Ogdensburg-Massena, NY (FHA|USDA|VA) | 2 | $250,000 | $125,000 | $3,836 | 4.25% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 3 | $245,000 | $81,667 | $328 | 4.67% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $5,034 | 3.81% |
| Starkville, MS (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $574 | 4.69% |
| STAUNTON, VA (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $104 | 4.69% |
| ANCHORAGE, AK (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $6,193 | 4.25% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 2 | $230,000 | $115,000 | $393 | 4.50% |
| Bardstown, KY (FHA|USDA|VA) | 2 | $230,000 | $115,000 | $5,171 | 4.31% |
| Ellensburg, WA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $4,999 | 3.75% |
| Vidalia, GA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $7,503 | 4.75% |
| MACON-BIBB COUNTY, GA (FHA|USDA|VA) | 3 | $225,000 | $75,000 | $358 | 4.54% |
| Minden, LA (FHA|USDA|VA) | 3 | $225,000 | $75,000 | $319 | 4.50% |
| Evanston, WY (FHA|USDA|VA) | 2 | $220,000 | $110,000 | $369 | 4.50% |
| Cornelia, GA (FHA|USDA|VA) | 2 | $220,000 | $110,000 | $345 | 4.63% |
| Thomasville, GA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $26,179 | 3.38% |
| Sanford, NC (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $5,658 | 4.75% |
| HOT SPRINGS, AR (FHA|USDA|VA) | 2 | $210,000 | $105,000 | $5,759 | 4.38% |
| CLEVELAND, TN (FHA|USDA|VA) | 2 | $210,000 | $105,000 | $1,678 | 4.50% |
| GRAND JUNCTION, CO (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,939 | 4.25% |
| ALBANY-LEBANON, OR (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $5,837 | 4.63% |
| SALINAS, CA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $11,925 | 3.88% |
| HINESVILLE, GA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $8,013 | 4.25% |
| KINGSTON, NY (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $8,835 | 4.63% |
| Searcy, AR (FHA|USDA|VA) | 2 | $190,000 | $95,000 | $1,949 | 4.38% |
| Red Bluff, CA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $4,522 | 3.88% |
| PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $1,021 | 3.25% |
| Newport, TN (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $10,235 | 4.00% |
| UTICA-ROME, NY (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $15,729 | 3.88% |
| RAPID CITY, SD (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $4,857 | 4.50% |
| FLAGSTAFF, AZ (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $544 | 4.50% |
| Pinehurst-Southern Pines, NC (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $0 | 3.63% |
| ALBANY, GA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $5,722 | 3.63% |
| PARKERSBURG-VIENNA, WV (FHA|USDA|VA) | 2 | $170,000 | $85,000 | $324 | 4.19% |
| TULSA, OK (FHA|USDA|VA) | 2 | $170,000 | $85,000 | $1,481 | 4.63% |
| Barre, VT (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $8,738 | 4.75% |
| Outside of Metro Areas | 1 | $165,000 | $165,000 | $4,406 | 3.75% |
| BINGHAMTON, NY (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $9,919 | 4.00% |
| GRAND ISLAND, NE (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $8,196 | 3.25% |
| LEBANON, PA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $11,051 | 4.75% |
| Gillette, WY (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $810 | 4.63% |
| STATE COLLEGE, PA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $6,092 | 3.88% |
| WARNER ROBINS, GA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 4.75% |
| KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) | 2 | $160,000 | $80,000 | $119 | 4.63% |
| Opelousas, LA (FHA|USDA|VA) | 2 | $160,000 | $80,000 | $42 | 4.50% |
| Hobbs, NM (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $484 | 4.50% |
| Tullahoma-Manchester, TN (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,108 | 4.00% |
| Coos Bay, OR (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $9,928 | 4.25% |
| ERIE, PA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,571 | 4.75% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $5,489 | 3.88% |
| Oxford, MS (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $5,024 | 4.50% |
| JACKSON, MS (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $4,779 | 4.63% |
| Lincoln, IL (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $951 | 4.50% |
| OCALA, FL (FHA|USDA|VA) | 2 | $140,000 | $70,000 | $588 | 4.38% |
| Bainbridge, GA (FHA|USDA|VA) | 2 | $140,000 | $70,000 | $154 | 4.38% |
| Shelbyville, TN (FHA|USDA|VA) | 2 | $140,000 | $70,000 | $337 | 4.38% |
| SPRINGFIELD, OH (FHA|USDA|VA) | 2 | $140,000 | $70,000 | $321 | 4.75% |
| Greeneville, TN (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,903 | 4.75% |
| DALTON, GA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $4,627 | 4.63% |
| GOLDSBORO, NC (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,673 | 3.75% |
| Newport, OR (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,374 | 4.13% |
| Natchitoches, LA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $5,284 | 3.75% |
| Russellville, AR (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,141 | 4.25% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $1,445 | 4.75% |
| BATON ROUGE, LA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $371 | 4.25% |
| BATTLE CREEK, MI (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $186 | 4.50% |
| Danville, VA (FHA|USDA|VA) | 2 | $130,000 | $65,000 | $281 | 4.56% |
| Ashtabula, OH (FHA|USDA|VA) | 2 | $130,000 | $65,000 | $944 | 4.31% |
| NORWICH-NEW LONDON, CT (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 6.00% |
| Sandusky, OH (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $1,178 | 4.50% |
| Ontario, OR-ID (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $713 | 4.63% |
| ROCKFORD, IL (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $5,780 | 4.75% |
| TYLER, TX (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $252 | 4.38% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,463 | 4.38% |
| Torrington, CT (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $748 | 4.50% |
| Plainview, TX (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $9,057 | 5.25% |
| GLENS FALLS, NY (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $184 | 5.13% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $273 | 4.75% |
| Pittsburg, KS (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $4,171 | 4.63% |
| Shawano, WI (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $234 | 4.88% |
| SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $737 | 4.50% |
| THE VILLAGES, FL (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $1,303 | 4.63% |
| Ashland, OH (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $913 | 4.25% |
| WILLIAMSPORT, PA (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $4,799 | 3.63% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $378 | 4.63% |
| VALDOSTA, GA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $1,480 | 4.25% |
| Madisonville, KY (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $461 | 4.50% |
| ABILENE, TX (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $1,198 | 5.00% |
| Batavia, NY (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $9,178 | 5.25% |
| Talladega-Sylacauga, AL (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $270 | 4.50% |
| YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,342 | 4.50% |
| SEBRING-AVON PARK, FL (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $5,950 | 4.99% |
| Show Low, AZ (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $295 | 4.38% |
| Fairmont, WV (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $834 | 5.00% |
| Peru, IN (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $753 | 4.75% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $156 | 4.50% |
| PUEBLO, CO (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 5.50% |
| Palatka, FL (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $262 | 5.13% |
| North Vernon, IN (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $13 | 5.13% |
| NILES, MI (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $656 | 4.75% |
| Marinette, WI-MI (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $245 | 4.50% |
| JONESBORO, AR (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $2,700 | 4.63% |
| HAMMOND, LA (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $754 | 4.25% |
| GREENVILLE, NC (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $1 | 4.50% |
| Alexander City, AL (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $733 | 4.13% |
| Stevens Point, WI (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $1,328 | 3.88% |
| Fort Payne, AL (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $371 | 4.63% |
| BOWLING GREEN, KY (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $386 | 4.00% |
| BILLINGS, MT (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $3 | 4.50% |
| AUBURN-OPELIKA, AL (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $517 | 4.25% |
| Portales, NM (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $1,026 | 5.25% |
| LAREDO, TX (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $1,012 | 4.75% |
| LONGVIEW, TX (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $635 | 4.50% |
| AMARILLO, TX (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $735 | 4.63% |
| Henderson, NC (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $1,535 | 4.88% |
| COLUMBUS, IN (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $653 | 4.75% |
| Marion, OH (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $285 | 4.63% |
| GADSDEN, AL (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $218 | 4.25% |
| BURLINGTON, NC (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $458 | 4.75% |
| MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $2,489 | 4.25% |
| LAFAYETTE, LA (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $598 | 4.25% |
| Effingham, IL (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $433 | 4.25% |
| Montrose, CO (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $682 | 4.63% |
| Mount Sterling, KY (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $243 | 4.63% |
| FARMINGTON, NM (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $306 | 5.63% |
| Coshocton, OH (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $338 | 4.75% |
| SPRINGFIELD, IL (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $158 | 4.75% |
| EVANSVILLE, IN-KY (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $369 | 4.75% |
| CANTON-MASSILLON, OH (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 4.25% |
| FLINT, MI (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $466 | 4.25% |
| Alpena, MI (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $194 | 4.25% |
| Dublin, GA (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $143 | 4.75% |
| Cordele, GA (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $296 | 4.50% |
| Lumberton, NC (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $282 | 4.75% |
| Warsaw, IN (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $1,470 | 4.13% |
| Zanesville, OH (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 4.25% |
| Maysville, KY (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $94 | 4.63% |
| MORRISTOWN, TN (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $456 | 5.13% |
| Ozark, AL (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $601 | 4.75% |
| SUMTER, SC (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 5.25% |
| FORT SMITH, AR-OK (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $125 | 4.50% |
| MUNCIE, IN (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $179 | 4.50% |
| Othello, WA (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $546 | 4.25% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $437 | 4.88% |
| Wooster, OH (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $5,167 | 4.63% |
| Wilson, NC (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $1,174 | 5.63% |
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.
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Product Mix
For 2018, Arc Home's most frequently originated type of loan was Conventional, with 929 originations. Their 2nd most popular type was FHA, with 834 originations.
Loan Reason
For 2018, Arc Home's most frequently cited loan purpose was Home Purchase, with 856 originations. The 2nd most popular reason was Refi, with 778 originations.
Loan Duration/Length
For 2018, Arc Home's most frequently cited loan duration was 30 Year, with 1,456 originations. The 2nd most popular length was 15 Year, with 295 originations.
Origination Fees/Closing Costs
Arc Home's average total fees were $10,615, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 1,416 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 4-5% | 1,393 | $331,965,000 | $238,309 |
| 3-4% | 412 | $104,900,000 | $254,612 |
| 5-6% | 281 | $70,295,000 | $250,160 |
| 6-7% | 7 | $2,135,000 | $305,000 |
| 2.5-3% | 1 | $355,000 | $355,000 |
During 2018, Arc Home's average interest rate for loans was 4.62%, while their most frequently originated rate bucket for loans was 4-5%, with 1,393 originations.
Loan Sizing
2018 saw Arc Home place emphasis on $200k-400k loans with 959 originations, totaling $273,615,000 in origination value.
Applicant Income
Arc Home lent most frequently to those with incomes in the $100k-150k range, with 388 originations. The second most popular income band? $50k-75k, with 371 originations.
Applicant Debt to Income Ratio
Arc Home lent most frequently to those with DTI ratios of <20%, with 601 originations. The next most common DTI ratio? 30-36%, with 217 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications97.43%
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 origination50.62%
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 | 2,094 | $509,650,000 | $243,386 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Manufactured | 5 | $465,000 | $93,000 |
| Single Family (1-4 Units):Site-Built | 2,089 | $509,185,000 | $243,746 |