The Mortgage Record
Lender report card · New Jersey

Arc Home Llc

Moorestown, NJ · What the federal mortgage record shows about how Arc Home Llc treated New Jersey applicants, 2018–2025 — 2,975 reported decisions. This is historical behavior, not a prediction about your loan.

Approval rate
91.8%
2,730 approved
Denial rate
8.2%
245 denied
Decisions
2,975
2018–2025
Avg. rate spread
+0.58 pp
vs. market benchmark
91.8% approved
8.2% denied

Share of 2,975 New Jersey applications Arc Home Llc approved vs. denied. Excludes loans it merely purchased on the secondary market, and applications withdrawn or left incomplete.

Approval rate by loan type

Conventional92.1% of 2,504 · NJ 87%FHA88.9% of 378 · NJ 79%VA93.5% of 93 · NJ 80%

“NJ” = the statewide average approval rate for that loan type, for comparison.

Approval rate over time

78%83%88%93%98%94%93%93%96%85%82%82%86%20182019202020212022202320242025

Pricing

Adjusting for its loan-type mix, Arc Home Llc’s rates ran +0.27 pp higher than the typical New Jersey lender (average rate spread +0.58 pp above the market benchmark). Rate spread is APR minus the average prime offer rate; positive means costlier than the low-risk benchmark.

Who Arc Home Llc approves

By income
Under $50k85.1% · 195$50–75k91.8% · 438$75–100k91.8% · 550$100–150k94.0% · 733$150–250k92.1% · 546$250k+91.1% · 436
By debt-to-income
Under 36%94.5% · 1,25736–43%95.3% · 67843–50%94.4% · 801Over 50%55.2% · 210
By down payment (LTV)
20%+ down91.3% · 2,04110–20% down93.3% · 2825–10% down91.7% · 1923–5% down93.0% · 115Under 3% down90.6% · 117

Why Arc Home Llc denied applications

Debt-to-income ratio31% of denialsOther22% of denialsCredit history21% of denialsUnverifiable information12% of denialsCollateral (value/type)9% of denialsEmployment history9% of denials

Where Arc Home Llc lends in NJ

CountyDecisionsApproval
Ocean County41091.2%
Burlington County33795.0%
Essex County29390.8%
Bergen County25490.2%
Camden County23695.8%
Hudson County19492.3%
Union County19290.1%
Middlesex County18392.3%

Fees & closing costs

Median total loan costs
$9,651
home purchase
As % of loan
3.16%
NJ median 1.93%
Priced originations
1,139
with fee data

Median lender and third-party costs (the Loan Estimate’s “total loan costs”) on Arc Home Llc’s home-purchase originations — 1.23 points higher than the 1.93% New Jersey median. Typical lender credit toward costs: $2,948. Excludes prepaid taxes/insurance and escrow deposits. Fees are reported on roughly two-thirds of originations (small lenders are exempt). Methodology →

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Source: CFPB HMDA loan-level data, 2018–2025 · first-lien, closed-end mortgages on 1–4 family homes in New Jersey reported by Arc Home Llc (LEI 54930048P8RWCQHQM310). Rates describe past reported outcomes for the lender’s applicant pool and are not a prediction for any individual. Methodology →