Purchase Originations
753
Ranked #481 nationally
Median Total Costs
$13,223
+98.0% vs national ($6,680)
↓ $122 vs prior year
Median Rate
7.250%
+11.7% vs national (6.490%)
↑ 0.000% vs prior year
Median Origination
$8,553
Median Lender Credits
$3,503
Cost Rank (500+ vol.)
#589
among lenders with 500+ originations
Denial Rate
6.8%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 736 | 7.250% | $13,073 | $8,528 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| New York | 129 | 7.250% | $18,460 | #109 |
| California | 109 | 7.125% | $13,657 | #190 |
| Florida | 84 | 7.250% | $14,608 | #253 |
| New Jersey | 68 | 7.438% | $13,073 | #133 |
| Texas | 59 | 7.250% | $14,872 | #325 |
| Maryland | 35 | 7.125% | $12,212 | — |
| Pennsylvania | 28 | 7.125% | $11,092 | — |
| Virginia | 26 | 6.990% | $10,661 | — |
| Arizona | 23 | 7.125% | $10,815 | — |
| Massachusetts | 23 | 7.375% | $8,854 | — |
| Colorado | 20 | 7.375% | $8,286 | — |
| Connecticut | 15 | 7.375% | $10,151 | — |
| Illinois | 14 | 7.250% | $10,126 | — |
| North Carolina | 14 | 7.250% | $8,505 | — |
| Alabama | 11 | 7.625% | $11,326 | — |
| Georgia | 10 | 7.375% | $9,848 | — |
| South Carolina | 9 | 7.375% | $9,147 | — |
| Ohio | 8 | 7.375% | $7,268 | — |
| Tennessee | 8 | 7.000% | $10,469 | — |
| Indiana | 6 | 7.500% | $4,816 | — |
| Michigan | 6 | 7.375% | $11,734 | — |
| Oregon | 6 | 7.375% | $14,714 | — |
| New Hampshire | 5 | 7.125% | $6,850 | — |
| Rhode Island | 5 | 6.990% | $16,981 | — |
| Washington | 5 | 6.875% | $14,298 | — |
| Arkansas | 4 | 7.500% | $4,200 | — |
| Utah | 3 | 7.250% | $7,101 | — |
| Hawaii | 2 | 7.125% | $39,457 | — |
| Idaho | 2 | 7.562% | $18,281 | — |
| Louisiana | 2 | 7.375% | $26,438 | — |
| Minnesota | 2 | 7.438% | $16,882 | — |
| Montana | 2 | 7.062% | $13,303 | — |
| New Mexico | 2 | 7.938% | $15,930 | — |
| District of Columbia | 1 | 7.000% | $19,223 | — |
| Delaware | 1 | 8.125% | $7,374 | — |
| Kansas | 1 | 7.250% | $8,490 | — |
| Missouri | 1 | 8.250% | $4,333 | — |
| Mississippi | 1 | 8.750% | $14,327 | — |
| Nevada | 1 | 7.375% | $18,234 | — |
| Wisconsin | 1 | 9.875% | $4,895 | — |
| West Virginia | 1 | 7.875% | $7,306 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $8,221 | 7.188% | — | 20 | −$5,002 | |
| 2 | $10,126 | 7.312% | — | 10 | −$3,097 | |
| 3 | $10,815 | 7.125% | — | 21 | −$2,408 | |
| 4 | $12,212 | 6.990% | — | 13 | −$1,011 | |
| 5 | $12,291 | 7.125% | — | 12 | −$932 | |
| 6 | $13,631 | 7.438% | — | 8 | +$408 | |
| 7 | $14,310 | 7.120% | — | 8 | +$1,087 | |
| 8 | $14,427 | 7.125% | — | 15 | +$1,204 | |
| 9 | $14,604 | 7.312% | — | 10 | +$1,381 | |
| 10 | $14,953 | 7.000% | — | 21 | +$1,730 | |
| 11 | $15,088 | 7.000% | — | 11 | +$1,865 | |
| 12 | $15,786 | 7.250% | — | 10 | +$2,563 | |
| 13 | $16,108 | 7.250% | — | 13 | +$2,885 | |
| 14 | $17,662 | 7.120% | — | 8 | +$4,439 | |
| 15 | $17,877 | 7.188% | — | 10 | +$4,654 | |
| 16 | $18,905 | 7.438% | — | 20 | +$5,682 | |
| 17 | $19,165 | 7.250% | — | 22 | +$5,942 | |
| 18 | $19,851 | 7.188% | — | 32 | +$6,628 | |
| 19 | $20,343 | 7.375% | — | 9 | +$7,120 | |
| 20 | $21,141 | 7.000% | — | 24 | +$7,918 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Arc Home LLC | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $535,000 | $335,000 | +$200,000 (+59.7%) |
| Median total closing costs | $13,223 | $7,127 | +$6,096 (+85.5%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.