Arc Home LLC: 2025 mortgage rates, costs & approvals
How Arc Home LLC priced and approved home loans in 2025, measured against every lender in the official HMDA records.
HMDA legal name: ARC HOME LLC · LEI 54930048P8RWCQHQM310
In 2025, Arc Home LLC originated 1,215 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 46 states — 386th by volume among the 2,017 lenders profiled here.
On conventional 30-year fixed purchase loans its median rate was 7.25% (all lenders: 6.625%); its median rate spread was 68 basis points above the national median. Median conventional loan costs were $13,100, 135% higher than the national median ($5,570).
It denied 16.2% of completed home-purchase applications (all lenders: 8.5%).
How Arc Home LLC priced home-purchase loans
| Purchase loans, 2025 | Arc Home LLC | All lenders |
|---|---|---|
| 30-year fixed rate · conventional | 7.250% | 6.625% |
| 30-year fixed rate · FHA | — | 6.250% |
| 30-year fixed rate · VA | — | 6.125% |
| 15-year fixed rate · conventional | — | 5.875% |
| Rate spread vs. APOR · conventional | +0.81 pts | +0.13 pts |
| Total loan costs · conventional | $13,100 | $5,570 |
| Total loan costs · FHA | — | $11,310 |
| Total loan costs · VA | — | $6,490 |
| Origination charges (all types) | $8,620 | $1,860 |
| Borrowers paying discount points | 49.0% | 51.3% |
| Points paid, when paid (% of loan) | 0.81% | 0.87% |
| Borrowers receiving lender credits | 46.1% | 33.1% |
Medians shown with at least 20 loans. A lender's numbers reflect its borrowers (credit, down payment, loan size, location) as well as its pricing; HMDA has no credit scores. Rate spread = APR minus the average prime offer rate on the lock date, which removes most of the effect of when the rate was locked.
Loan mix and borrowers
By loan type
By purpose
Why Arc Home LLC denied purchase applications
First reason the lender reported for each denied home-purchase application.
Where Arc Home LLC lends
| State | Loans | Applications | Purchase denial rate | 30-yr rate* | Loan costs* |
|---|---|---|---|---|---|
| California | 234 | 290 | 13.4% | 7.125% | $13,660 |
| New York | 181 | 216 | 13.3% | 7.250% | $18,460 |
| Florida | 118 | 151 | 22.7% | 7.375% | $13,370 |
| New Jersey | 98 | 113 | 13.9% | 7.375% | $12,980 |
| Texas | 95 | 130 | 15.7% | 7.250% | $14,870 |
| Arizona | 50 | 57 | 14.8% | 7.125% | $10,820 |
| Maryland | 47 | 61 | 21.7% | 7.250% | $11,290 |
| Massachusetts | 42 | 44 | 4.2% | 7.375% | $8,370 |
| Pennsylvania | 36 | 50 | 26.3% | 7.125% | $10,360 |
| Virginia | 34 | 44 | 18.8% | 6.990% | $9,690 |
| Connecticut | 33 | 39 | 12.5% | 7.375% | $10,980 |
| Colorado | 27 | 32 | 4.8% | — | $8,150 |
| Illinois | 22 | 31 | — | — | — |
| Rhode Island | 21 | 30 | — | — | — |
| North Carolina | 18 | 23 | — | — | — |
| Ohio | 18 | 22 | — | — | — |
| Oregon | 14 | 15 | — | — | — |
| Washington | 13 | 18 | — | — | — |
| Georgia | 13 | 17 | — | — | — |
| Tennessee | 11 | 14 | — | — | — |
| South Carolina | 11 | 13 | — | — | — |
| Alabama | 11 | 11 | — | — | — |
| Utah | 10 | 12 | — | — | — |
| Indiana | 9 | 12 | — | — | — |
| New Hampshire | 8 | 9 | — | — | — |
| Michigan | 8 | 8 | — | — | — |
| Arkansas | 5 | 6 | — | — | — |
| Hawaii | 3 | 6 | — | — | — |
| Montana | 3 | 5 | — | — | — |
| Idaho | 3 | 3 | — | — | — |
| Nevada | 2 | 5 | — | — | — |
| District of Columbia | 2 | 4 | — | — | — |
| Kansas | 2 | 4 | — | — | — |
| Minnesota | 2 | 4 | — | — | — |
| New Mexico | 2 | 3 | — | — | — |
| Louisiana | 2 | 2 | — | — | — |
| Wisconsin | 1 | 3 | — | — | — |
| Iowa | 1 | 2 | — | — | — |
| Maine | 1 | 2 | — | — | — |
| Missouri | 1 | 2 | — | — | — |
| Delaware | 1 | 1 | — | — | — |
| Mississippi | 1 | 1 | — | — | — |
| West Virginia | 1 | 1 | — | — | — |
| Alaska | 0 | 1 | — | — | — |
| Oklahoma | 0 | 1 | — | — | — |
| South Dakota | 0 | 1 | — | — | — |
*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open Arc Home LLC's page for that state.
Counties where Arc Home LLC is a top lender
| County | Rank | Loans | Market share |
|---|---|---|---|
| Adams County, ID | 14 | 1 | 2.0% |
| San Juan County, UT | 15 | 1 | 1.4% |
| Calhoun County, FL | 15 | 1 | 1.3% |
Check Arc Home LLC yourself
- FFIEC HMDA Data Browser — the official 2025 records filed under LEI 54930048P8RWCQHQM310.
- NMLS Consumer Access — confirm the company and loan officer are licensed in your state.
- CFPB Consumer Complaint Database — search complaints by company name.
- Compare your Loan Estimate from Arc Home LLC with similar 2025 loans.
This is a statistical profile, not a review or recommendation. HMDA data alone cannot show whether a lender complies with fair-lending laws, and a lender's medians depend on the borrowers it serves.
Lenders of similar size
Source: FFIEC/CFPB HMDA 2025 public LAR and filer list. Core segment: owner-occupied, single-family site-built, first-lien, closed-end purchase and refinance loans. Methodology