Lender in California · HMDA 2025
Arc Home LLC mortgages in California
Arc Home LLC's 2025 home-purchase and refinance lending in California, compared with all lenders in the state.
Arc Home LLC originated 234 owner-occupied single-family loans in California from 290 completed applications.
Its median conventional purchase loan costs were $13,660 versus $7,920 for all California lenders, at a median 30-year fixed rate of 7.125% (California: 6.625%).
Loans in CA
234
of 290 applications
Denial rate
13.4%
Purchase · CA 8.9%
Rate spread
+0.72 pts
Conv. · CA +0.09 pts
Loan amount
$785,000
Purchase · CA $575,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 127 | 109 | 13.4% | 7.125% | +0.72 pts | $13,660 | $785,000 |
| Refinance | 59 | 46 | 18.6% | 6.990% | +0.57 pts | $12,880 | $1,135,000 |
| Cash-out refinance | 104 | 79 | 20.2% | 7.000% | +0.72 pts | $10,980 | $745,000 |
*Conventional loans only; medians with at least 20 loans.
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology