Applications / Mortgage Analytics / Lenders / Maryland / ARC Home
Baltimore, MD · Independent non-bank lender · CFPB · 3,131 loans in 2025
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3,131
loans originated, 2025
5,439
applications, 2025
47
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
ARC Home is a national lender of conventional loans that buys almost as many loans from other lenders as it makes, and its loans are bigger than most similar lenders'.
ARC Home bought 2,947 loans from other lenders in 2025, up from 1,634 a year earlier. The typical similar lender (an independent non-bank lender making between half and twice as many loans) bought none. Its own originations rose 10% to 3,131, in step with the whole market and a little behind similar lenders' 12%.
Conventional loans made up 99.5% of its lending, against 68.1% at the typical similar lender. Loans insured by the Federal Housing Administration (FHA) fell to 0.5% of its book, from 9.8% in 2020; similar lenders made 22.9% of theirs that way. It made almost no loans guaranteed by the Department of Veterans Affairs.
Its typical loan was $445,000, against $315,000 at similar lenders. Some 10.9% of its loans were jumbo (larger than the conforming limit), against 1.1%. Its typical loan was larger than at nearly nine in ten similar lenders, and its jumbo share was among the highest.
Only 8.9% of its borrowers had low or moderate incomes (LMI), lower than at more than nine in ten similar lenders. Yet 23.4% of its loans went to LMI neighborhoods, more than at about four in five of them. Bigger loans tend to need bigger incomes, which may explain the low borrower share.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. ARC Home took 5,439 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 58.0% · Refinance 42.0%
Conventional 99.5% · FHA 0.5% · of 3,131 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| California | 504 | 16.1% |
| New York | 503 | 16.1% |
| Florida | 380 | 12.1% |
| Texas | 240 | 7.7% |
| New Jersey | 231 | 7.4% |
| Arizona | 117 | 3.7% |
| Massachusetts | 110 | 3.5% |
| Connecticut | 108 | 3.4% |
| Maryland | 89 | 2.8% |
| Colorado | 86 | 2.7% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| New York-Jersey City-White Plains | 372 |
| Nassau County-Suffolk County | 155 |
| Los Angeles-Long Beach-Glendale | 104 |
| Phoenix-Mesa-Chandler | 94 |
| Lakewood-New Brunswick | 83 |
| Miami-Miami Beach-Kendall | 80 |
| Providence-Warwick | 79 |
| San Diego-Chula Vista-Carlsbad | 74 |
| Dallas-Plano-Irving | 70 |
| Riverside-San Bernardino-Ontario | 70 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 54930048P8RWCQHQM310 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3883080 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 7141841762 |
Established 1 August 2016. Reported under HMDA 2006-2025.
Mergers, name changes, data editions and corrections: ARC Home's data.
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