# ARK MORTGAGE, INC.

> **Canonical URL:** https://saferate.com/lenders/ark-mortgage


> **📋 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


ARK MORTGAGE, INC. is a independent mortgage company, headquartered in NORTH BRUNSWICK, NJ, serving borrowers across 6 states, with 261 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 79% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 43% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 5493008VCYW25D52ZC98
- **Headquarters:** NORTH BRUNSWICK, NJ
- **Geographic Reach:** Multi-Region
- **States Served:** 6
- **State List:** AZ, FL, IL, NJ, NY, PA
- **Markets (MSAs):** 5
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 21/100
- Rating: ●●○○○ (2/5)

### Pull Through: Sound ☺️
- Score: 57/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.948%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $3,452
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 261
- **Dollar Volume:** $138 million
- **Applications Received:** 391
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $527,414
- **Average Borrower Income:** $43,261
- **Average Property Value:** $1,006,129

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 51/100 | 241 | +0.996% | $3,354 | Sound ☺️ |
| Jumbo | 64/100 | 18 | -0.103% | $3,777 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 140 loans, Score: 44/100 (Sound)
- Refinance: 101 loans, Score: 63/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 45/100 | 149 | $81M | +0.959% | Sound ☺️ |
| Refinance | 62/100 | 112 | $57M | +0.935% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| NY | 149 | 0.13% | 70/100 |
| NJ | 88 | 0.10% | 68/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| New York | NY-NJ | 76 | 67/100 |
| Lakewood | NJ | 60 | 67/100 |
| Kiryas Joel | NY | 50 | 70/100 |
| Non |  | 27 | 36/100 |
| Trenton | NJ | 10 | 46/100 |

## Frequently Asked Questions

### What loan types does ARK MORTGAGE, INC. offer?

ARK MORTGAGE, INC. offers the following mortgage loan types: Conventional, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does ARK MORTGAGE, INC. offer mortgages?

ARK MORTGAGE, INC. offers mortgages in 6 states: AZ, FL, IL, NJ, NY, PA.

### How competitive are ARK MORTGAGE, INC.'s mortgage rates?

ARK MORTGAGE, INC. has a pricing score of 21/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.948% above market average.

### What type of lender is ARK MORTGAGE, INC.?

ARK MORTGAGE, INC. is a non-depository lender that specializes in mortgage origination, headquartered in NORTH BRUNSWICK, NJ.

### What is ARK MORTGAGE, INC.'s loan approval success rate?

ARK MORTGAGE, INC. has a pull-through score of 57/100 (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/ark-mortgage

### How to Cite

> "ARK MORTGAGE, INC. Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/ark-mortgage

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