# ARC HOME LLC

> **Canonical URL:** https://saferate.com/lenders/arc-home


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


ARC HOME LLC is a independent mortgage company, headquartered in BALTIMORE, MD, serving borrowers nationwide, with 1,965 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 87% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 58% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 54930048P8RWCQHQM310
- **Headquarters:** BALTIMORE, MD
- **Geographic Reach:** National
- **States Served:** 46
- **State List:** AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MS, MT, NC, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, WA, WI, WV, WY
- **Markets (MSAs):** 50
- **Primary Channel:** wholesale
- **Direct Origination:** 1.6%
- **Brokered/Wholesale:** 98.4%

## Safe Rate Ratings

### Pricing: Mediocre 😐
- Score: 13/100
- Rating: ●○○○○ (1/5)

### Pull Through: Sound ☺️
- Score: 42/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.878%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $3,888
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 1,965
- **Dollar Volume:** $1.1 billion
- **Applications Received:** 3,560
- **Market Share:** 6.00%

## Typical Borrower Profile

- **Average Loan Amount:** $581,911
- **Average Borrower Income:** $430,321
- **Average Property Value:** $876,986

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 61/100 | 1,638 | +0.882% | $4,063 | Strong 😀 |
| FHA | 57/100 | 48 | +0.885% | $4,812 | Sound ☺️ |
| Jumbo | 83/100 | 277 | +0.860% | $2,535 | Exceptional 🤩 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 1,177 loans, Score: 61/100 (Strong)
- Refinance: 461 loans, Score: 66/100 (Strong)

**FHA:**
- Purchase: 43 loans, Score: 57/100 (Sound)

**Jumbo:**
- Purchase: 165 loans, Score: 81/100 (Exceptional)
- Refinance: 112 loans, Score: 86/100 (Exceptional)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 59/100 | 1,387 | $764M | +0.896% | Sound ☺️ |
| Refinance | 66/100 | 578 | $379M | +0.825% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| CA | 365 | 0.13% | 69/100 |
| FL | 258 | 0.09% | 65/100 |
| TX | 203 | 0.06% | 63/100 |
| NY | 179 | 0.16% | 67/100 |
| AZ | 116 | 0.12% | 62/100 |
| NJ | 100 | 0.12% | 63/100 |
| VA | 78 | 0.07% | 59/100 |
| MD | 71 | 0.10% | 58/100 |
| PA | 69 | 0.06% | 55/100 |
| MA | 51 | 0.08% | 54/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| New York | NY-NJ | 123 | 67/100 |
| Non |  | 97 | 47/100 |
| Phoenix | AZ | 95 | 61/100 |
| Los Angeles | CA | 72 | 60/100 |
| Dallas | TX | 64 | 58/100 |
| Nassau County | NY | 63 | 61/100 |
| Arlington | VA-WV | 59 | 59/100 |
| Anaheim | CA | 54 | 60/100 |
| Riverside | CA | 48 | 55/100 |
| Miami | FL | 40 | 55/100 |
| Baltimore | MD | 36 | 53/100 |
| Houston | TX | 36 | 50/100 |
| Lakewood | NJ | 35 | 54/100 |
| San Diego | CA | 33 | 52/100 |
| Montgomery County | PA | 31 | 54/100 |

## Where This Lender Ranks

ARC HOME LLC appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#15** in Nassau County for Jumbo Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/nassau-county/best-mortgage-lenders/mortgage-companies/jumbo-loans)
- 🏆 **#16** in Oxnard for Jumbo Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/oxnard/best-mortgage-lenders/mortgage-companies/jumbo-loans)
- 🏆 **#17** in New York for Jumbo Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/new-york/best-mortgage-lenders/mortgage-companies/jumbo-loans)

## Frequently Asked Questions

### What loan types does ARC HOME LLC offer?

ARC HOME LLC offers the following mortgage loan types: FHA, Conventional, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does ARC HOME LLC offer mortgages?

ARC HOME LLC is a national lender offering mortgages in all 50 states plus Washington D.C.

### How competitive are ARC HOME LLC's mortgage rates?

ARC HOME LLC has a pricing score of 13/100 (Mediocre), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.878% above market average.

### What type of lender is ARC HOME LLC?

ARC HOME LLC is a non-depository lender that specializes in mortgage origination, headquartered in BALTIMORE, MD.

### What is ARC HOME LLC's loan approval success rate?

ARC HOME LLC has a pull-through score of 42/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/arc-home

### How to Cite

> "ARC HOME LLC Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/arc-home

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