We analyzed every closed loan from Arc Home — 2.0k loans across 4k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Mediocre
1/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · Jumbo
Place
Sound
3/5
National · 49 mkts
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
Explore another lender or local market
Report Card
Arc Home performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Mediocre
+87.8 bps above market avg
Pull Through
Closing strength
Sound
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Top 40% of lenders
FHA
Sound
Top 60% of lenders
Jumbo
Exceptional
Top 20% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Top 60% of lenders
Refinance
Strong
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
National · 50 markets
Sound
Top 60% of lenders
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 1,638 | 83.4% | +0.882%Above | $4,063Fees | ||||
FHA Loans | 48 | 2.4% | +0.885%Above | $4,812Fees | ||||
Jumbo Loans | 277 | 14.1% | +0.860%Above | $2,535Fees |
Conventional
OverallAcceptable
ProductStrong
PricingMediocre
Pull ThroughAcceptable
Volume1,638
Mix83.4%
Spread
+0.882%Above
Fees
$4,063Fees
FHA Loans
OverallAcceptable
ProductSound
PricingMediocre
Pull ThroughSound
Volume48
Mix2.4%
Spread
+0.885%Above
Fees
$4,812Fees
Jumbo Loans
OverallSound
ProductExceptional
PricingMediocre
Pull ThroughSound
Volume277
Mix14.1%
Spread
+0.860%Above
Fees
$2,535Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 1,387 | 70.6% | +0.896%Above | $4,026Fees | ||||
Refinance | 578 | 29.4% | +0.825%Above | $3,502Fees |
Purchase
OverallAcceptable
ProductSound
PricingMediocre
Pull ThroughAcceptable
Volume1,387
Mix70.6%
Spread
+0.896%Above
Fees
$4,026Fees
Refinance
OverallAcceptable
ProductStrong
PricingMediocre
Pull ThroughSound
Volume578
Mix29.4%
Spread
+0.825%Above
Fees
$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
49
markets with activity
States Served
46
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
46Northeast8
CTMEMANHNJNYPARI
Midwest9
IAILINKSMIMNOHSDWI
South17
ALARDCDEFLGAKYLAMDMSNCOKSCTNTXVAWV
West12
AZCACOHIIDMTNMNVORUTWAWY
Top Metro Areas by Place Specialization Score
Volume 123Mix 6.26% of portfolio
67/100
Strong
Volume 95Mix 4.83% of portfolio
61/100
Strong
Volume 63Mix 3.21% of portfolio
61/100
Strong
Volume 54Mix 2.75% of portfolio
60/100
Strong
Volume 72Mix 3.66% of portfolio
60/100
Sound
Volume 59Mix 3.00% of portfolio
59/100
Sound
Volume 64Mix 3.26% of portfolio
58/100
Sound
Volume 40Mix 2.04% of portfolio
55/100
Sound
Volume 48Mix 2.44% of portfolio
55/100
Sound
Volume 35Mix 1.78% of portfolio
54/100
SoundShowing 10 of 49 metro areas
Top States by Place Specialization Score
1
CaliforniaState
Volume 365Mix 18.58% of portfolio
69/100
Strong2
New YorkState
Volume 179Mix 9.11% of portfolio
67/100
Strong3
FloridaState
Volume 258Mix 13.13% of portfolio
65/100
Strong4
TexasState
Volume 203Mix 10.33% of portfolio
63/100
Strong5
New JerseyState
Volume 100Mix 5.09% of portfolio
63/100
Strong6
ArizonaState
Volume 116Mix 5.90% of portfolio
62/100
Strong7
VirginiaState
Volume 78Mix 3.97% of portfolio
59/100
Sound8
MarylandState
Volume 71Mix 3.61% of portfolio
58/100
Sound9
PennsylvaniaState
Volume 69Mix 3.51% of portfolio
55/100
Sound10
MassachusettsState
Volume 51Mix 2.60% of portfolio
54/100
SoundShowing 10 of 25 states
How We Rank Lenders
Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.
Our Point System (Max 30 Points)
10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
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 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
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.