Arcasa
Arcasa is a Salt Lake City-based mortgage fintech that provides the Energy-Smart Down Payment Assistance program, combining FHA mortgages with solar financing to unlock up to 5% of a home's purchase price as a grant or forgivable second mortgage for loan officers, lenders, builders, agents, and homebuyers across 47 U.S. states.
- Company typePrivate
- Founded2023
- HeadquartersSalt Lake City, United States
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
Arcasa firmographics
Firmographics- Name
- Arcasa
- Legal name
- Arcasa Services, LLC
- Website
- https://arcasa.io
- Company type
- Private
- Founded year
- 2023
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Arcasa is a Salt Lake City-based mortgage fintech that provides the Energy-Smart Down Payment Assistance program, combining FHA mortgages with solar financing to unlock up to 5% of a home's purchase price as a grant or forgivable second mortgage for loan officers, lenders, builders, agents, and homebuyers across 47 U.S. states.
- Ownership category
- akta.pro rank
Arcasa industry classification
Industry- Product category
- Mortgage Fintech — Down Payment Assistance
- NAICS
- Sales Financing (52222)
- SIC
- Mortgage Bankers & Loan Correspondents (6162)
- akta.pro primary industry
- Down Payment Assistance (DPA) Credit Enhancement & Subsidy Programs (FSALAJAI)
- akta.pro secondary industry
- Affordable Housing / Down Payment Assistance (DPA) Mortgage Origination (FSALAAAM)
Keywords
Where Arcasa is headquartered
LocationHeadquarters
- HQ city
- Salt Lake City
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Arcasa business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Marketing or Sales, Operations
Revenue model
- Mortgage Fintech Transaction / DPA Facilitation Fees: Arcasa generates revenue by facilitating the Energy-Smart DPA program through approved lenders. The solar financing is secured through the home mortgage, and the down payment assistance is funded by financing solar into the loan. Revenue is derived from transaction-based fees on loans where the DPA program is used, as well as potentially from margins on the solar installation component that is financed into the mortgage. The company can white-label its program to lenders for a fee.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Energy-Smart DPA — Up to 5% of purchase price as grant or forgivable second |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels7 records
Arcasa product offering
Product offeringCore offering
Arcasa is a mortgage fintech platform that offers the Energy-Smart Down Payment Assistance (DPA) program, which combines a market-rate FHA first mortgage with a forgivable second mortgage or grant of up to 5% of the purchase price, with funds unlocked when the borrower commits to post-closing solar installation. The program is delivered through Arcasa's proprietary platform — including the QuickBid™ loan-officer tool, a DPA calculator, and a Homebuyer Quiz — and is distributed via a network of approved lenders, brokers, builders, and real estate agents. Arcasa white-labels the program for lender partners and is not itself a mortgage lender.
Product overview
Arcasa is a mortgage fintech platform offering the Energy-Smart DPA program, the nation's most versatile FHA down payment assistance product. The core offering combines a market-rate FHA first mortgage with either a forgivable second mortgage or grant (up to 5% of purchase price), unlocked when borrowers commit to post-closing solar installation. Key supporting products include QuickBid™ (loan officer calculator tool), a Down Payment Assistance Calculator for homebuyers, and the Homebuyer Quiz for lead qualification. The platform serves loan officers, lenders, builders, real estate agents, and homebuyers through white-label and partner distribution channels including MLB Wholesale.
Differentiator
Problem solved
Functional benefit
Brands
- Energy-Smart DPA: An innovative down payment assistance program that combines FHA mortgages with solar financing, providing up to 5% of purchase price toward down payment, closing costs, or rate buydowns without income caps or 1099s.
- QuickBid
- Green Advantage
Products and services
- Energy-Smart DPA (Down Payment Assistance) Core program: an FHA-integrated down payment assistance offering up to 5% of the home purchase price as a grant or forgivable second mortgage, unlocked when the borrower commits to post-closing solar installation. No income caps, no first-time-buyer requirement, no rate add-on, no 1099 to the borrower, and no second monthly payment. Delivered through approved lender partners and available in 47 U.S. states.
- Energy-Smart Mortgage Platform The proprietary fintech platform for lenders and loan officers that integrates solar financing with FHA mortgages to deliver down payment assistance, rate buydowns, and closing cost coverage. Supports scenario comparison, LOS-ready outputs, and white-label program configuration for lender partners.
- Homebuyer Quiz and Lender-Matching Portal Self-serve digital intake (homebuyer quiz) that captures buyer stage, property, credit range, income, and agent information; produces a 'What You Could Unlock' eligibility summary with estimated DPA amount; and matches the user to an approved Arcasa lender. No credit pull required.
Quantifiable outcome
- Average $15,000+ unlocked per homebuyer in down payment assistance (internal average)
- +5 more outcomes
Companies that use Arcasa
Customer profileNamed customers4 records
Segments4 records
Ideal customer profiles3 records
Arcasa technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature4 records
Arcasa partnerships and signals
Strategic signalPartnerships
Six partnerships are on record, tiered core and minor.
- MLB Wholesale (Making Lives Better Residential Lending)coreMLB Wholesale is Arcasa's first wholesale-focused lender partner, integrating Energy-Smart DPA through MLB's Green Advantage program. Brokers using MLB Wholesale can deliver up to 5% of the purchase price toward down payment, closing costs, or rate buydown with no income caps, no second payment, and no 1099s for buyers. MLB Wholesale is led by President Laura Brandao and CEO Sam Lamparello. The partnership targets the broker channel (as opposed to retail lenders), with co-branded marketing materials, a dedicated relationship manager, and education/webinar programs.
- Down Payment ResourcecoreArcasa's Energy-Smart DPA program is listed nationwide in Down Payment Resource's DPA Directory, the housing industry's leading technology for connecting homebuyers with assistance programs. Down Payment Resource's platform is used by seven of the top 25 mortgage lenders, the three largest real estate listing websites, and 600,000 real estate agents. This partnership provides Arcasa with broad market access and organic discovery through DPR's directory and LOS integrations.
- CrossCountry MortgagecoreCrossCountry Mortgage is listed as a live lender partner where Arcasa's Energy-Smart DPA is available through retail, wholesale, and correspondent channels. It is one of the lenders actively offering the program to borrowers.
- Intercap LendingcoreIntercap Lending is a lender partner offering Arcasa's Energy-Smart DPA. A loan officer from Intercap Lending (Dan Harding) is featured in Arcasa's blog as a case study where Arcasa rescued a deal for a client who lost eligibility for Utah Housing due to a salary increase. The client still closed on schedule using Arcasa's program.
- Maxwell MortgageminorMaxwell Mortgage, Naples, Florida, is listed as a customer/partner with Vice President Lauren Maxwell featured in Arcasa's testimonials as a professional user of the platform.
- EPC Partners (Engineering, Procurement, and Construction solar partners)coreArcasa works with vetted EPC (Engineering, Procurement, and Construction) solar partners who are vetted for quality and consistency. Arcasa's warranty coverage includes both third-party-backed policies and protection through the trusted build partner network. The EPC partners coordinate solar installation post-closing with local installers.
Scale indicators5 records
Recent moves6 records
Expansion highlights5 records
Arcasa competitors and assessment
Company assessmentDirect peers
- GoodLeap: GoodLeap is a point-of-sale solar and home improvement financing platform that similarly bundles clean-energy upgrades into the home financing transaction. Like Arcasa, it relies on installer/EPC partners and lender integrations to convert financed projects; both compete for the intersection of solar economics and residential mortgage/financing flows.
- HomeFree USA: HomeFree is a national DPA platform that administers and intermediates down payment assistance for lenders and homebuyers, similar to Arcasa's Energy-Smart DPA layer. Both operate as DPA-as-a-service overlays on top of FHA and conventional first mortgages, monetizing transaction flows rather than holding balance sheet.
- Newfi Wholesale: Newfi is a non-QM/DPA-focused wholesale and correspondent lender with its own down payment assistance products distributed through the broker channel, closely paralleling Arcasa's wholesale distribution thesis via partners such as MLB Wholesale. Both target brokers/loan officers looking for differentiated affordability tools.
- Better.com: Better is a digital-first mortgage lender that develops proprietary fintech tooling (BETTER+ for affordability, integrated scenario calculators) very analogous to QuickBid™. Both are technology-led lenders/fintechs attacking the affordability gap with direct-to-consumer digital workflows.
Emerging players
- Figure Technologies: Figure is a blockchain-enabled home equity and consumer fintech that has explored solar and HELOC-adjacent products. It overlaps with Arcasa in the tech-led, alternative-financing-mechanism approach to residential finance and clean-energy/home-equity use cases.
Broad incumbents
- Radian Group: Radian is a large mortgage insurance and credit-enhancement provider adjacent to FHA origination. Like Arcasa, it monetizes by enabling lenders to take on credit exposure (DPA, second-lien or MI), and serves most of the same lender and loan-officer channel. It is the closest incumbents in the credit-enhancement adjacency.
- MGIC (Mortgage Guaranty Insurance Corporation): MGIC is one of the largest U.S. private mortgage insurers providing credit enhancement on conventional loans. It sits in Arcasa's competitive set on the credit-enhancement side of the mortgage stack and shares the same lender/loan-officer distribution audience.
- United Wholesale Mortgage (UWM): UWM is the largest U.S. wholesale mortgage lender, and as Arcasa's partner channel competitor it operates its own DPA, buydown and broker-incentive programs. UWM is highly comparable as a wholesale-channel platform with embedded affordability products, and is the dominant gravitational center for any broker-led DPA push.
- Rocket Mortgage: Rocket is the largest U.S. retail and direct-to-consumer mortgage lender with its own Rocket Homes, RED Week, and DPA-style affordability products. Any in-house solar-DPA variant from Rocket would be the single most consequential competitive threat to Arcasa given Rocket's brand and balance sheet.
- CrossCountry Mortgage: CrossCountry is both an Arcasa distribution partner (white-labeling Energy-Smart DPA) and a top-10 retail/correspondent/wholesale lender with proprietary affordability products. It is a meaningful comparable as a multi-channel lender that also acts as a strategic partner for thinner-stack fintechs.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks7 records
Key highlights7 records
Customer concentration
Arcasa social profiles
Digital presenceArcasa financial estimates
Financial estimateRevenue estimate
Valuation estimate
Arcasa leadership team
Management profileNumber of profiles
Profiles3 records
Arcasa funding detail
Funding detailFunding overview
Funding rounds1 record
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Arcasa M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Arcasa
What does Arcasa do?
Arcasa is a mortgage fintech platform that offers the Energy-Smart Down Payment Assistance (DPA) program, which combines a market-rate FHA first mortgage with a forgivable second mortgage or grant of up to 5% of the purchase price, with funds unlocked when the borrower commits to post-closing solar installation. The program is delivered through Arcasa's proprietary platform — including the QuickBid™ loan-officer tool, a DPA calculator, and a Homebuyer Quiz — and is distributed via a network of approved lenders, brokers, builders, and real estate agents. Arcasa white-labels the program for lender partners and is not itself a mortgage lender.
Is Arcasa a public or private company?
Arcasa is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Arcasa founded?
Arcasa was founded in 2023. It employs 11 to 50 people.
Where is Arcasa based?
Arcasa is headquartered in Salt Lake City, United States, in the North America region.
How does Arcasa make money?
One revenue line is on record: mortgage Fintech Transaction / DPA Facilitation Fees.
Who are Arcasa's main competitors?
Direct peers on record are GoodLeap, HomeFree USA, Newfi Wholesale and Better.com. Figure Technologies is listed as an emerging player. Broad incumbents are Radian Group, MGIC (Mortgage Guaranty Insurance Corporation), United Wholesale Mortgage (UWM), Rocket Mortgage and CrossCountry Mortgage.
Does Arcasa have an API?
No public API is recorded for Arcasa.
What industry is Arcasa in?
Arcasa's product category is Mortgage Fintech — Down Payment Assistance. Its primary akta.pro industry code is FSALAJAI, Down Payment Assistance (DPA) Credit Enhancement & Subsidy Programs, with a secondary code of FSALAAAM, Affordable Housing / Down Payment Assistance (DPA) Mortgage Origination. Its NAICS code is 52222 and its SIC code is 6162.