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 score and performance metrics.

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 an overall pricing score of 12.5/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is ARC HOME LLC?

ARC HOME LLC is a Independent Mortgage Company headquartered in BALTIMORE, MD.

Unclaimed

Arc Home LLC

Independent Mortgage Company•BALTIMORE, MD•Direct to Consumer

We analyzed every closed loan from Arc Home — 2.0k loans across 4k applications— and benchmarked them against peer lenders across the 4 Ps of Mortgage Shopping.

Pricing

Mediocre

vs. all lenders

Pull Through

Sound

closing strength

Products

Exceptional

FHA · Conventional · Jumbo

Place

Sound

National · 49 mkts

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Safe Rate's Summary

What They Do Well

Particularly strong in Conventional and Jumbo loans
Nationwide availability with consistent service

Things to Think About

Rates typically 88 basis points above market average

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Report Card

Arc Home LLC performance at a glance

Category	Score	vs. Peers
Overall Performance· Pricing & closing strength
Pricing Rate competitiveness	Mediocre	Below peers +87.8 bps above market avg
Pull Through Closing strength	Sound	Industry Standard Top 60% of lenders
By Loan Product· Specialization by type
Conventional	Strong	Highly Competitive Top 40% of lenders
FHA	Sound	Industry Standard Top 60% of lenders
Jumbo	Exceptional	Market Leader Top 20% of lenders
By Loan Purpose· Transaction purpose mix
Purchase	Sound	Industry Standard Top 60% of lenders
Refinance	Strong	Highly Competitive Top 40% of lenders
By Location· Geographic coverage
Geographic Reach Coverage footprint	Sound	Industry Standard Top 60% of lenders National50 markets

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Acceptable	Strong	Mediocre	Acceptable	1,638	83.4%	+0.882%Above	$4,063Fees
FHA Loans	Acceptable	Sound	Mediocre	Sound	48	2.4%	+0.885%Above	$4,812Fees
Jumbo Loans	Acceptable	Exceptional	Mediocre	Sound	277	14.1%	+0.860%Above	$2,535Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Acceptable	Sound	Mediocre	Acceptable	1,387	70.6%	+0.896%Above	$4,026Fees
Refinance	Acceptable	Strong	Mediocre	Sound	578	29.4%	+0.825%Above	$3,502Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

1,965

Applications

3,560

Volume

$1 billion

Pricing & Closing

Avg Rate Spread

+0.878%

vs. market APOR

Avg Net Fees

$3,888

Origination − Credits

Pullthrough Rate

55.2%

Applications → Closed

Typical Borrower

Avg Loan Amount

$581,911

Avg Borrower Income

$430,321

Avg Property Value

$876,986

Geographic Coverage

Geographic Performance

Metro Areas

States Served

We count Washington DC as a state

Avg Place Specialization

Sound

States with Loan Originations

ALARAZCACOCTDCDEFLGAHIIAIDILINKSKYLAMAMDMEMIMNMSMTNCNHNJNMNVNYOHOKORPARISCSDTNTXUTVAWAWIWVWY

Top Metro Areas by Place Specialization Score

New York, NY-NJMSA

Volume: 123Mix: 6.26%of portfolio

Place

Strong

Phoenix, AZMSA

Volume: 95Mix: 4.83%of portfolio

Place

Strong

Nassau County, NYMSA

Volume: 63Mix: 3.21%of portfolio

Place

Strong

Anaheim, CAMSA

Volume: 54Mix: 2.75%of portfolio

Place

Strong

Los Angeles, CAMSA

Volume: 72Mix: 3.66%of portfolio

Place

Sound

Arlington, VA-WVMSA

Volume: 59Mix: 3.00%of portfolio

Place

Sound

Dallas, TXMSA

Volume: 64Mix: 3.26%of portfolio

Place

Sound

Miami, FLMSA

Volume: 40Mix: 2.04%of portfolio

Place

Sound

Riverside, CAMSA

Volume: 48Mix: 2.44%of portfolio

Place

Sound

Lakewood, NJMSA

Volume: 35Mix: 1.78%of portfolio

Place

Sound

Showing 10 of 49 metro areas

Top States by Place Specialization Score

CAState

Volume: 365Mix: 18.58%of portfolio

Place

Strong

NYState

Volume: 179Mix: 9.11%of portfolio

Place

Strong

FLState

Volume: 258Mix: 13.13%of portfolio

Place

Strong

TXState

Volume: 203Mix: 10.33%of portfolio

Place

Strong

NJState

Volume: 100Mix: 5.09%of portfolio

Place

Strong

AZState

Volume: 116Mix: 5.90%of portfolio

Place

Strong

VAState

Volume: 78Mix: 3.97%of portfolio

Place

Sound

MDState

Volume: 71Mix: 3.61%of portfolio

Place

Sound

PAState

Volume: 69Mix: 3.51%of portfolio

Place

Sound

MAState

Volume: 51Mix: 2.60%of portfolio

Place

Sound

Showing 10 of 25 states

How We Rank Lenders

Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.

Our Point System (Max 30 Points)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

Product

Specialization in the loan type (33%)

💎

Champion(80%+ = 24-30 points)

⭐

Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.