Arc Home Mortgage Rates, Fees & Info
BALTIMORE, MDLEI: 54930048P8RWCQHQM310
Tax ID: 14-1841762
Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
Jump to:
Mortgage Data
Review & Overview
Arc Home is a smaller mortgage company specializing in Refi and Home Purchase 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: Washington, New York, Phoenix, Philadelphia, and Boston among others. We have data for 263 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 an average 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% | 11/17/24 |
| 30 Year Conventional Refi | 6.77% | 11/17/24 |
| 30 Year Cash-out Refi | 7.24% | 11/17/24 |
| 30 Year FHA Purchase | 7.33% | 11/17/24 |
| 30 Year FHA Refi | 6.98% | 11/17/24 |
| 30 Year VA Purchase | 6.19% | 11/17/24 |
| 30 Year VA Refi | 5.70% | 11/17/24 |
| 30 Year USDA Purchase | 6.94% | 11/17/24 |
| 30 Year USDA Refi | 6.58% | 11/17/24 |
| 15 Year Conventional Purchase | 6.19% | 11/17/24 |
| 15 Year Conventional Refi | 5.92% | 11/17/24 |
| 15 Year Cash-out Refi | 5.92% | 11/17/24 |
| 15 Year FHA Purchase | 5.68% | 11/17/24 |
| 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. | ||
Arc Home Mortgage Calculator
Your Estimates
Estimated Loan Payment: Update the calculator values and click calculate payment!
This is not an official calculator from Arc Home. It uses our SimulatedRate™
technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.
The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
3,045Origination Dollar Volume (All Markets)
$932,145,000Awards
×
![]()
ARC HOME - 2019
ARC HOME is a 2019 , due to their low .
For 2019, less than of lenders were eligible for this award.
Work for ARC HOME?
Use this award on your own site. Either save and use the images below, or pass the provided image embed code to your development team.
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 |
|---|---|---|---|---|---|
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 361 | $138,985,000 | $385,000 | $10,704 | 3.94% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 312 | $134,820,000 | $432,115 | $16,071 | 4.07% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 296 | $73,270,000 | $247,534 | $5,086 | 3.88% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 238 | $61,380,000 | $257,899 | $7,990 | 4.03% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 131 | $45,375,000 | $346,374 | $6,178 | 3.87% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 128 | $38,970,000 | $304,453 | $5,574 | 4.01% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 63 | $29,645,000 | $470,556 | $8,366 | 4.16% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 76 | $24,330,000 | $320,132 | $6,406 | 3.94% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 50 | $21,320,000 | $426,400 | $7,368 | 3.87% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 55 | $16,425,000 | $298,636 | $8,617 | 3.89% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 27 | $12,835,000 | $475,370 | $6,259 | 3.76% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 38 | $12,460,000 | $327,895 | $5,809 | 3.99% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 45 | $12,455,000 | $276,778 | $5,503 | 3.88% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 33 | $10,825,000 | $328,030 | $11,971 | 4.02% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 30 | $10,210,000 | $340,333 | $5,164 | 3.78% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 28 | $10,080,000 | $360,000 | $5,954 | 3.73% |
| LANCASTER, PA (FHA|USDA|VA) | 46 | $9,960,000 | $216,522 | $4,601 | 3.86% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 41 | $9,855,000 | $240,366 | $7,036 | 3.94% |
| MANCHESTER-NASHUA, NH (FHA|USDA|VA) | 37 | $9,855,000 | $266,351 | $5,968 | 4.11% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 40 | $9,680,000 | $242,000 | $5,370 | 3.92% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 25 | $8,945,000 | $357,800 | $7,242 | 3.87% |
| Outside of Metro Areas | 41 | $8,745,000 | $213,293 | $4,981 | 4.15% |
| TUCSON, AZ (FHA|USDA|VA) | 34 | $7,580,000 | $222,941 | $4,512 | 4.07% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 23 | $6,885,000 | $299,348 | $6,353 | 3.71% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 24 | $6,640,000 | $276,667 | $6,290 | 3.87% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 21 | $6,295,000 | $299,762 | $6,536 | 3.90% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 22 | $6,160,000 | $280,000 | $5,372 | 3.92% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 26 | $6,040,000 | $232,308 | $7,013 | 3.90% |
| POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) | 19 | $6,025,000 | $317,105 | $13,341 | 4.66% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 19 | $5,715,000 | $300,789 | $8,684 | 3.99% |
| LOUISVILLE, KY (FHA|USDA|VA) | 20 | $4,780,000 | $239,000 | $4,990 | 3.75% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 17 | $4,765,000 | $280,294 | $8,141 | 4.00% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 20 | $4,630,000 | $231,500 | $5,100 | 4.14% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 17 | $4,105,000 | $241,471 | $6,071 | 4.07% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 16 | $3,590,000 | $224,375 | $3,586 | 3.80% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 19 | $3,215,000 | $169,211 | $3,507 | 4.19% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 11 | $3,065,000 | $278,636 | $6,998 | 3.70% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 13 | $3,015,000 | $231,923 | $4,761 | 4.05% |
| ROCHESTER, NY (FHA|USDA|VA) | 16 | $2,980,000 | $186,250 | $10,657 | 3.99% |
| Key West, FL (FHA|USDA|VA) | 8 | $2,920,000 | $365,000 | $6,470 | 4.13% |
| GREELEY, CO (FHA|USDA|VA) | 10 | $2,920,000 | $292,000 | $3,980 | 4.00% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 12 | $2,880,000 | $240,000 | $3,962 | 3.85% |
| RICHMOND, VA (FHA|USDA|VA) | 11 | $2,795,000 | $254,091 | $5,989 | 3.77% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 12 | $2,600,000 | $216,667 | $8,773 | 3.84% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 13 | $2,515,000 | $193,462 | $4,731 | 3.88% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 4 | $2,490,000 | $622,500 | $8,229 | 4.31% |
| VALLEJO, CA (FHA|USDA|VA) | 7 | $2,345,000 | $335,000 | $6,246 | 3.91% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 8 | $2,260,000 | $282,500 | $4,745 | 3.59% |
| FORT COLLINS, CO (FHA|USDA|VA) | 8 | $2,250,000 | $281,250 | $6,107 | 3.98% |
| READING, PA (FHA|USDA|VA) | 10 | $2,220,000 | $222,000 | $5,464 | 3.59% |
| Concord, NH (FHA|USDA|VA) | 8 | $2,070,000 | $258,750 | $8,649 | 4.14% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 4 | $1,980,000 | $495,000 | $10,286 | 3.59% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 10 | $1,960,000 | $196,000 | $4,810 | 3.96% |
| NAPA, CA (FHA|USDA|VA) | 2 | $1,900,000 | $950,000 | $12,364 | 3.81% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 8 | $1,800,000 | $225,000 | $3,857 | 3.67% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 7 | $1,785,000 | $255,000 | $3,945 | 3.86% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 6 | $1,680,000 | $280,000 | $5,583 | 4.48% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 6 | $1,680,000 | $280,000 | $4,172 | 3.96% |
| PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) | 6 | $1,600,000 | $266,667 | $4,117 | 3.83% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 6 | $1,590,000 | $265,000 | $6,837 | 3.83% |
| OCEAN CITY, NJ (FHA|USDA|VA) | 4 | $1,550,000 | $387,500 | $7,004 | 3.19% |
| MADERA, CA (FHA|USDA|VA) | 6 | $1,520,000 | $253,333 | $4,242 | 3.83% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 4 | $1,480,000 | $370,000 | $3,406 | 3.91% |
| STOCKTON, CA (FHA|USDA|VA) | 4 | $1,430,000 | $357,500 | $6,697 | 3.88% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 6 | $1,410,000 | $235,000 | $5,577 | 4.06% |
| ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) | 7 | $1,355,000 | $193,571 | $5,762 | 4.18% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 4 | $1,340,000 | $335,000 | $5,841 | 3.66% |
| BOISE CITY, ID (FHA|USDA|VA) | 5 | $1,335,000 | $267,000 | $5,667 | 3.60% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 5 | $1,315,000 | $263,000 | $5,142 | 3.75% |
| FRESNO, CA (FHA|USDA|VA) | 5 | $1,255,000 | $251,000 | $9,664 | 3.68% |
| GRAND JUNCTION, CO (FHA|USDA|VA) | 4 | $1,230,000 | $307,500 | $5,277 | 3.75% |
| ROANOKE, VA (FHA|USDA|VA) | 6 | $1,220,000 | $203,333 | $3,919 | 3.63% |
| LYNCHBURG, VA (FHA|USDA|VA) | 7 | $1,195,000 | $170,714 | $2,181 | 4.30% |
| HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) | 4 | $1,190,000 | $297,500 | $9,832 | 3.69% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 4 | $1,150,000 | $287,500 | $6,995 | 3.53% |
| MODESTO, CA (FHA|USDA|VA) | 4 | $1,140,000 | $285,000 | $4,943 | 3.87% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 4 | $1,080,000 | $270,000 | $7,938 | 4.25% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 4 | $1,060,000 | $265,000 | $3,524 | 3.75% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 4 | $1,050,000 | $262,500 | $4,738 | 4.12% |
| BOULDER, CO (FHA|USDA|VA) | 4 | $1,040,000 | $260,000 | $4,342 | 3.84% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 5 | $1,035,000 | $207,000 | $5,112 | 3.95% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 3 | $1,025,000 | $341,667 | $9,805 | 4.25% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 3 | $1,025,000 | $341,667 | $4,643 | 3.54% |
| FLAGSTAFF, AZ (FHA|USDA|VA) | 3 | $1,025,000 | $341,667 | $3,832 | 3.50% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 5 | $1,015,000 | $203,000 | $6,235 | 4.18% |
| THE VILLAGES, FL (FHA|USDA|VA) | 3 | $1,015,000 | $338,333 | $7,496 | 3.75% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 4 | $980,000 | $245,000 | $8,086 | 4.56% |
| BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) | 4 | $970,000 | $242,500 | $8,209 | 3.81% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 4 | $960,000 | $240,000 | $4,893 | 3.97% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 4 | $950,000 | $237,500 | $3,608 | 3.65% |
| COLUMBIA, SC (FHA|USDA|VA) | 4 | $950,000 | $237,500 | $4,644 | 3.50% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 3 | $935,000 | $311,667 | $9,228 | 3.79% |
| BARNSTABLE TOWN, MA (FHA|USDA|VA) | 4 | $930,000 | $232,500 | $4,789 | 3.59% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 4 | $840,000 | $210,000 | $6,206 | 4.03% |
| BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) | 3 | $795,000 | $265,000 | $3,235 | 3.88% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 3 | $795,000 | $265,000 | $3,417 | 4.04% |
| CHARLOTTESVILLE, VA (FHA|USDA|VA) | 2 | $790,000 | $395,000 | $8,558 | 4.19% |
| SPRINGFIELD, MA (FHA|USDA|VA) | 3 | $765,000 | $255,000 | $6,127 | 3.67% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 4 | $760,000 | $190,000 | $4,332 | 3.69% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 4 | $730,000 | $182,500 | $3,428 | 3.84% |
| REDDING, CA (FHA|USDA|VA) | 3 | $715,000 | $238,333 | $5,153 | 3.33% |
| BEND, OR (FHA|USDA|VA) | 2 | $710,000 | $355,000 | $10,621 | 3.38% |
| KNOXVILLE, TN (FHA|USDA|VA) | 2 | $710,000 | $355,000 | $4,672 | 3.63% |
| WINCHESTER, VA-WV (FHA|USDA|VA) | 3 | $695,000 | $231,667 | $4,042 | 4.21% |
| VISALIA, CA (FHA|USDA|VA) | 3 | $675,000 | $225,000 | $5,186 | 4.08% |
| SALEM, OR (FHA|USDA|VA) | 2 | $640,000 | $320,000 | $4,162 | 3.31% |
| PANAMA CITY, FL (FHA|USDA|VA) | 3 | $625,000 | $208,333 | $4,232 | 3.92% |
| Torrington, CT (FHA|USDA|VA) | 5 | $605,000 | $121,000 | $4,257 | 4.60% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 2 | $600,000 | $300,000 | $2,390 | 3.63% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 3 | $595,000 | $198,333 | $7,665 | 3.94% |
| Keene, NH (FHA|USDA|VA) | 3 | $575,000 | $191,667 | $6,539 | 4.00% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 5 | $575,000 | $115,000 | $3,136 | 4.60% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 2 | $570,000 | $285,000 | $4,743 | 4.90% |
| Sanford, NC (FHA|USDA|VA) | 2 | $570,000 | $285,000 | $5,627 | 3.94% |
| LONGVIEW, WA (FHA|USDA|VA) | 2 | $560,000 | $280,000 | $3,467 | 3.69% |
| Tullahoma-Manchester, TN (FHA|USDA|VA) | 3 | $555,000 | $185,000 | $4,244 | 3.58% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 4 | $540,000 | $135,000 | $8,189 | 3.63% |
| SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) | 4 | $540,000 | $135,000 | $4,650 | 3.59% |
| COLUMBUS, OH (FHA|USDA|VA) | 4 | $540,000 | $135,000 | $2,039 | 4.06% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $8,553 | 3.75% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $5,241 | 3.38% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $6,837 | 4.44% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $8,237 | 4.00% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $9,568 | 3.69% |
| KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $6,489 | 4.38% |
| SALINAS, CA (FHA|USDA|VA) | 1 | $495,000 | $495,000 | $10,410 | 4.13% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $2,383 | 3.75% |
| BURLINGTON, NC (FHA|USDA|VA) | 3 | $475,000 | $158,333 | $2,631 | 4.79% |
| SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) | 3 | $475,000 | $158,333 | $3,824 | 4.00% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $7,152 | 3.50% |
| SANTA FE, NM (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $2,257 | 3.50% |
| PITTSBURGH, PA (FHA|USDA|VA) | 3 | $435,000 | $145,000 | $8,798 | 4.04% |
| STAUNTON, VA (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $4,537 | 4.31% |
| SAVANNAH, GA (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $6,210 | 4.00% |
| Newport, OR (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $3,448 | 3.63% |
| JACKSON, MS (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $3,683 | 3.63% |
| MANHATTAN, KS (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $10,384 | 3.25% |
| PUEBLO, CO (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $3,972 | 4.06% |
| LINCOLN, NE (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $8,857 | 3.13% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $7,833 | 3.50% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $6,283 | 3.50% |
| YUMA, AZ (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $2,830 | 3.94% |
| Shelbyville, TN (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $4,516 | 3.69% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $5,333 | 4.25% |
| SPARTANBURG, SC (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $2,395 | 4.63% |
| Sandpoint, ID (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $4,254 | 3.50% |
| BATON ROUGE, LA (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $4,045 | 4.25% |
| SPRINGFIELD, IL (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $1,243 | 3.50% |
| TUSCALOOSA, AL (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $2,349 | 3.50% |
| EL PASO, TX (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $3,244 | 3.88% |
| Willmar, MN (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $21,267 | 3.38% |
| WENATCHEE, WA (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $4,398 | 3.63% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $4,037 | 3.88% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $5,892 | 3.25% |
| Port Angeles, WA (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $2,863 | 3.63% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $6,967 | 3.75% |
| Aberdeen, WA (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $13,978 | 3.38% |
| TULSA, OK (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $4,105 | 3.94% |
| Lewisburg, PA (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $9,937 | 3.75% |
| YUBA CITY, CA (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $4,220 | 3.25% |
| MIDLAND, TX (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $9,818 | 6.05% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $2,357 | 3.25% |
| Cañon City, CO (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $4,555 | 4.13% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 3 | $295,000 | $98,333 | $1,601 | 4.08% |
| Shelton, WA (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $11,672 | 3.25% |
| YAKIMA, WA (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $4,753 | 3.50% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $4,092 | 4.13% |
| CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $10,616 | 3.75% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $4,262 | 3.25% |
| Payson, AZ (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $5,322 | 4.13% |
| TEXARKANA, TX-AR (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $4,361 | 3.50% |
| MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $3,189 | 3.63% |
| DOTHAN, AL (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $2,153 | 3.50% |
| Oak Harbor, WA (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $5,529 | 3.75% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 3 | $255,000 | $85,000 | $692 | 4.33% |
| Astoria, OR (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $5,078 | 3.63% |
| LUBBOCK, TX (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $6,256 | 3.63% |
| ST. CLOUD, MN (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $4,589 | 3.50% |
| Sonora, CA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $5,719 | 3.75% |
| Enterprise, AL (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $5,042 | 3.13% |
| Fredericksburg, TX (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $4,798 | 3.75% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $4,933 | 3.94% |
| LOGAN, UT-ID (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $5,068 | 4.00% |
| HANFORD-CORCORAN, CA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $2,508 | 5.13% |
| CHICO, CA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $4,434 | 3.88% |
| COLUMBUS, GA-AL (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $2,859 | 3.25% |
| DALTON, GA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $4,442 | 3.63% |
| Outside of Metro Areas | 1 | $235,000 | $235,000 | $0 | 3.75% |
| Mount Airy, NC (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $4,081 | 7.23% |
| Centralia, WA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $3,702 | 3.63% |
| Seneca Falls, NY (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $5,587 | 3.75% |
| GETTYSBURG, PA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $3,278 | 4.00% |
| Elizabeth City, NC (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $3,266 | 3.75% |
| ODESSA, TX (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $10,620 | 4.25% |
| JOHNSTOWN, PA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $2,935 | 3.88% |
| Jefferson, GA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $5,158 | 3.63% |
| JACKSON, TN (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $4,014 | 4.25% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $3,267 | 3.75% |
| ST. GEORGE, UT (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,511 | 3.75% |
| Cedartown, GA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $2,802 | 4.13% |
| McMinnville, TN (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $1,671 | 3.75% |
| MADISON, WI (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,036 | 3.38% |
| SHERMAN-DENISON, TX (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $2,613 | 4.63% |
| MOBILE, AL (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $6,008 | 3.25% |
| Dublin, GA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $14,807 | 4.38% |
| AMES, IA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,529 | 3.50% |
| WARNER ROBINS, GA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $9,092 | 3.25% |
| Sevierville, TN (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $4,081 | 3.75% |
| JOHNSON CITY, TN (FHA|USDA|VA) | 2 | $180,000 | $90,000 | $1,415 | 4.75% |
| Richmond-Berea, KY (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $0 | 3.25% |
| AKRON, OH (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $8,136 | 4.88% |
| GAINESVILLE, FL (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $8,415 | 3.99% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $10,977 | 3.25% |
| SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $5,407 | 4.25% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $7,930 | 4.25% |
| MEDFORD, OR (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,418 | 3.25% |
| ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,211 | 3.25% |
| Lewisburg, TN (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $4,033 | 3.75% |
| ASHEVILLE, NC (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $4,974 | 4.25% |
| Nogales, AZ (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,956 | 4.13% |
| Montrose, CO (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,459 | 3.63% |
| JACKSONVILLE, NC (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $12,749 | 3.75% |
| EAST STROUDSBURG, PA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $7,755 | 4.00% |
| Taos, NM (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $4,257 | 3.63% |
| GAINESVILLE, GA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,541 | 3.99% |
| Danville, VA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,129 | 4.25% |
| Burley, ID (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $9,920 | 3.25% |
| Owatonna, MN (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $4,553 | 3.25% |
| LEWISTON, ID-WA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $11,208 | 3.38% |
| ROCKFORD, IL (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $3,222 | 4.75% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $6,638 | 3.88% |
| SAN ANGELO, TX (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $6,098 | 3.75% |
| ALBANY-LEBANON, OR (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $9,059 | 3.25% |
| OCALA, FL (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $945 | 4.75% |
| Frankfort, IN (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $4,816 | 4.25% |
| Greenwood, SC (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $3,899 | 3.75% |
| DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $3,053 | 3.13% |
| MERCED, CA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,609 | 3.99% |
| NORWICH-NEW LONDON, CT (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,905 | 3.88% |
| Laconia, NH (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $6,978 | 3.25% |
| BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) | 2 | $120,000 | $60,000 | $3,335 | 4.19% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 4.75% |
| DECATUR, IL (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $3,581 | 4.25% |
| FARMINGTON, NM (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $955 | 4.75% |
| FLORENCE, SC (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $1,611 | 4.75% |
| Lebanon, NH-VT (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $2,584 | 4.00% |
| VALDOSTA, GA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 4.50% |
| Mount Sterling, KY (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $1,792 | 3.63% |
| Milledgeville, GA (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $2,013 | 3.88% |
| WICHITA FALLS, TX (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 5.75% |
| WICHITA, KS (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $3,948 | 3.75% |
| Mount Gay-Shamrock, WV (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $255 | 4.75% |
| Gaffney, SC (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $3,324 | 3.63% |
| STATE COLLEGE, PA (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $3,770 | 3.88% |
| AMARILLO, TX (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $1,184 | 5.25% |
| Opelousas, LA (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $256 | 4.50% |
| Plymouth, IN (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $569 | 4.75% |
| Fremont, OH (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $22 | 4.75% |
| BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $3,428 | 3.38% |
| SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $1,873 | 4.75% |
| Okeechobee, FL (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $36 | 4.75% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 4.50% |
| JONESBORO, AR (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $491 | 4.00% |
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: 26
Similarity Rank: 26
SOUTHBRIDGE CREDIT UNION
Similarity Rank: 80
Similarity Rank: 80
MID-HUDSON VALLEY
Similarity Rank: 114
Similarity Rank: 114
Rhode Island Credit Union
Similarity Rank: 116
Similarity Rank: 116
Sharon & Crescent United Credit Union
Similarity Rank: 120
Similarity Rank: 120
FIDELITY SAVINGS AND LOAN ASSOCIATION OF BUCKS COUNTY
Similarity Rank: 122
Similarity Rank: 122
Middlesex Savings Bank
Similarity Rank: 145
Similarity Rank: 145
MYPOINT Credit Union
Similarity Rank: 147
Similarity Rank: 147
Cambridge Savings Bank
Similarity Rank: 160
Similarity Rank: 160
Ulster Savings Bank
Similarity Rank: 161
Similarity Rank: 161
Product Mix
For 2019, Arc Home's most frequently originated type of loan was Conventional, with 1,829 originations. Their 2nd most popular type was FHA, with 709 originations.
Loan Reason
For 2019, Arc Home's most frequently cited loan purpose was Refi, with 1,603 originations. The 2nd most popular reason was Home Purchase, with 894 originations.
Loan Duration/Length
For 2019, Arc Home's most frequently cited loan duration was 30 Year, with 2,581 originations. The 2nd most popular length was 15 Year, with 217 originations.
Origination Fees/Closing Costs
Arc Home's average total fees were $8,021, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 1,725 originations.
Interest Rates
During 2019, Arc Home's average interest rate for loans was 3.99%, while their most frequently originated rate bucket for loans was 3-4%, with 2,005 originations.
Loan Sizing
2019 saw Arc Home place emphasis on $200k-400k loans with 1,720 originations, totaling $497,870,000 in origination value.
Applicant Income
Arc Home lent most frequently to those with incomes in the $100k-150k range, with 577 originations. The second most popular income band? $75k-100k, with 505 originations.
Applicant Debt to Income Ratio
Arc Home lent most frequently to those with DTI ratios of <20%, with 731 originations. The next most common DTI ratio? 20-30%, with 412 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications97.30%
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 origination65.81%
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 | 3,045 | $932,145,000 | $306,123 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Manufactured | 17 | $3,365,000 | $197,941 |
| Single Family (1-4 Units):Site-Built | 3,028 | $928,780,000 | $306,731 |