Arc Home LLC

What Arc Home LLC does

Arc Home LLC is a Non-QM and Non-Agency mortgage lender operating exclusively through third-party origination (TPO) channels, serving mortgage brokers (Wholesale) and correspondent lenders with a comprehensive specialty product suite. Founded in 2016 and headquartered in Moorestown, NJ, the company is 66%-owned by publicly traded TPG Mortgage Investment Trust (NYSE: MITT) and backed by TPG Angelo Gordon (~$92B AUM), which together provide capital stability and a captive secondary-market buyer for originated volume. Arc Home's product portfolio spans Access and Edge Non-QM programs (Agency Plus, Clean Slate, DSCR as low as 0.75, Bank Statement, Alt Income, Foreign National), Non-Agency products (FNMA/FHLMC Second Home & Investment, Marquee Jumbo), Conventional and Government products, and second lien solutions including the HomeEQ HELOC sub-brand.

The company's technology stack centers on SPARC 2.0, a proprietary web-based portal for pricing, loan registration, condition management, and bulk submission, available in separate Wholesale and Correspondent versions, supplemented by Quick Pricer/Quick Qualifier self-service tools. The HomeEQ HELOC platform is a fully digital, end-to-end origination system supporting both broker TPO and direct-to-consumer (home-eq.com) distribution, with Greenline bank statement integration enabling automated verification of up to 24 months of transaction data. Arc Home processes loans with 1-business-day underwriting turn times on most products and 5-day funding on HomeEQ HELOCs.

Arc Home's revenue model is transaction-based, earning origination fees on loans closed through Wholesale and Correspondent channels, with correspondent loans purchased under Loan Purchase and Sale Agreements and either sold into the secondary market or retained for securitization. The company pays 2% broker compensation on HomeEQ HELOC loans (90% draw required). Pricing is governed by proprietary pricing tools rather than public rate sheets, with promotional adjustments such as a 25 BPS reduction on Access & Edge DSCR and Bank Statement products. The customer base is a distributed network of brokers and correspondent lenders, with MITT serving as the primary downstream buyer of originated loans.

Name

Arc Home LLC

Legal name

Arc Home LLC

Website

https://archomellc.com

Company type

Private

Founded year

2016

Operating status

Operating

Headcount range

51–100 employees

Short description

Arc Home LLC is a Non-QM and Non-Agency mortgage lender operating through Wholesale (broker) and Correspondent TPO channels, serving mortgage brokers and lenders with specialty products including DSCR, Bank Statement, HELOC, and Jumbo loans. The company is 66%-owned by TPG Mortgage Investment Trust and backed by TPG Angelo Gordon.

Ownership category

akta.pro rank

Product category

Non-QM and Non-Agency Residential Mortgage Lending

NAICS

Mortgage and Nonmortgage Loan Brokers (52231)

SIC

Personal Credit Institutions (6141)

akta.pro primary industry

HELOC Origination (Revolving Lines of Credit) (FSALAGAB)

akta.pro secondary industries

Closed-End Home Equity Loans (Second Mortgages) (FSALAGAA), Home Equity & HELOC Intermediaries (FSALABAE)

Keywords

• Non-QM mortgage lending
• Wholesale mortgage origination
• Correspondent loan purchasing
• HELOC home equity loans
• DSCR investor loans

Headquarters

HQ city

Moorestown

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Mortgage Loan Origination Revenue: Arc Home originates mortgage loans through wholesale (broker) and correspondent channels, earning origination fees on each loan closed. The company sells originated loans into the secondary market or securitizes them. As a TPO lender, revenue is generated through the spread between origination and sale, plus servicing-related income where retained.
2. Broker Compensation (HomeEQ HELOC): For HomeEQ HELOC products, Arc Home pays broker compensation of 2% per funded loan, with a 90% draw required at funding to ensure higher volume for brokers.
3. Correspondent Loan Purchase and Sale: Correspondent lenders deliver closed loans to Arc Home under a Loan Purchase and Sale Agreement. Arc Home purchases these loans, generating revenue through subsequent sale into the secondary market or retention in its portfolio.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels7 records

Core offering

Arc Home LLC is a Non-QM and Non-Agency TPO mortgage lender that originates, underwrites, and funds specialty residential mortgage loans through wholesale broker and correspondent channels. The company offers a comprehensive product suite including Access and Edge Non-QM programs (DSCR, Bank Statement, Alt Income, Foreign National, Agency Plus, Clean Slate), Elite QM, Marquee Jumbo, Conventional, Government, Closed End Second, and the HomeEQ fully digitized HELOC. Loans are sold into the secondary market or held in the affiliated TPG Mortgage Investment Trust portfolio.

Product overview

Arc Home LLC is a Non-QM and Non-Agency TPO (Third Party Originations) mortgage lender offering a comprehensive product suite across Wholesale and Correspondent channels. The core product portfolio centers on Non-QM solutions (Access and Edge programs featuring Agency Plus, Clean Slate, DSCR, Alt Income, and Foreign National products), Non-Agency offerings (FNMA/FHLMC Second Home & Investment, Elite Jumbo Prime, Marquee Jumbo), Conventional and Government products, and second lien solutions. HomeEQ is a fully digitized HELOC sub-brand launched in October 2024 offering 5-day fundings. The SPARC 2.0 proprietary platform powers both channels with pricing tools, loan registration, condition management, and bulk submission capabilities. The company serves brokers and correspondents through dedicated portals and white-label marketing resources.

Differentiator

Problem solved

Functional benefit

Brands

• HomeEQ: A fully digitized Home Equity Line of Credit (HELOC) program offering seamless, all-digital experience for brokers and correspondents, with funding in as little as 5 days.
• SPARC 2.0
• Greenline

Products and services

• Wholesale (Broker) Lending Channel TPO wholesale lending channel that accepts Non-QM, Non-Agency, and specialty mortgage loan submissions from licensed mortgage brokers. Arc Home underwrites, funds, and purchases the closed loans; brokers access pricing via Quick Pricer and manage loans through the SPARC 2.0 Wholesale portal. Products available include Access, Edge, DSCR, Bank Statement, Alt Income, Agency Plus, Clean Slate, and Foreign National programs.
• Correspondent Lending Channel Correspondent lending channel enabling lenders to close loans in their own name and sell them to Arc Home under a Loan Purchase and Sale Agreement. Available in both Delegated (use own guidelines, including Buy to Your Guide program) and Non-Delegated (Arc Home underwriting) models. Products span the full suite: Non-QM, Non-Agency, Conventional, Government, Jumbo, Second Liens. Managed via SPARC 2.0 Correspondent portal and Quick Qualifier tool with bulk bid capabilities.
• HomeEQ HELOC Fully digitized Home Equity Line of Credit (HELOC) division of Arc Home offering 5-10 day fundings through a borrower-driven digital platform. Loans range from $25,000 to $500,000 with a 640 minimum credit score and adjustable rate tied to Prime Rate. Brokers earn 2% broker compensation per funded loan with a 90% draw required at funding.
• Access Non-QM Loan Program Proprietary Non-QM loan program suite including Agency Plus (up to $3.5MM, 90% LTV, FICO 660+), Clean Slate (1x30 housing history, up to $1.5MM, 620 FICO), DSCR (down to 0.75 DSCR, 640 FICO), and Alt Income (bank statement, CPA P&L, 1099 options). Designed for creditworthy borrowers who do not fit traditional Agency guidelines.
• Edge Non-QM Loan Program Non-QM product line with expanded guidelines including Agency Plus (up to $3.0MM, 85% LTV, FICO 660+), DSCR (down to 0.80 DSCR, 700 FICO, up to $3.0MM), and Alt Income documentation options. Designed to serve borrowers who fall just outside the Access program parameters.
• Elite QM Loan Program Qualified mortgage product suite including Elite QM and Elite Jumbo Prime (up to $2.5MM, FICO 660+) with full documentation and alt documentation options. Provides QM-compliant financing for higher-balance borrowers who still meet standard underwriting.
• Marquee Jumbo Mortgage Program Jumbo mortgage program for high-end borrowers offering loan amounts up to $3MM for primary and second homes with 80% LTV on purchases and rate-term refinances. Includes flexible ARM and fixed-rate options including 15/30-year fixed and 5/6, 7/6, 10/6 SOFR ARMs.
• Foreign National Mortgage Program DSCR-qualifying program for foreign national borrowers offering loan amounts up to $1.5MM with up to 70% LTV. Qualification is based on property rental income (DSCR) rather than US-based personal income documentation.
• Conventional and Government Loan Programs Full array of prime Agency mortgage products including Fannie Mae (up to 97% LTV), Freddie Mac (up to 95% LTV), FHA (FICO 580+), VA (up to $1MM, FICO 600+), and USDA programs. Provides QM-compliant Agency financing alongside Non-QM offerings.
• Closed End Second and HELOC Loan Programs Second lien products including Closed End Second (fixed-rate 10-30 years, up to $500,000, 80% CLTV) and HELOC ($25,000-$350,000, interest-only draw periods of 3-5 years). Available for both delegated and non-delegated correspondent delivery, providing home equity access without disturbing the first mortgage.
• FNMA/FHLMC Second Home and Investment Property Loans Non-Agency loan solutions for second homes and investment properties. FNMA/FHLMC 30-year fixed options from $100,000 to conforming loan limits, with up to 80% LTV and AUS underwriting. Designed for borrowers purchasing or refinancing second homes and investment properties.
• SPARC 2.0 Partner Origination Platform Proprietary web-based portal for brokers and correspondents to price loan scenarios, register/lock loans, manage conditions, submit bulk loans, and track loan status through the entire origination process from submission through funding. Available in separate versions for Wholesale and Correspondent channels.

Quantifiable outcome

• HomeEQ HELOC funding in as little as 5 days from application
• +2 more outcomes

Segments5 records

Ideal customer profiles5 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

AI capability6 records

Feature5 records

Scale indicators6 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Caliber Home Loans: Large non-bank mortgage originator with a meaningful Non-QM wholesale/correspondent franchise. Comparable to Arc Home in offering a diversified product suite (Non-QM, agency, jumbo) distributed through broker and correspondent channels.
• Plaza Home Mortgage: Wholesale-focused mortgage lender with a strong Non-QM and specialty product offering distributed primarily through brokers. Directly comparable in TPO channel strategy and Non-Agency product positioning.
• Deephaven Mortgage: Non-QM specialist lender operating primarily through wholesale and correspondent channels with a focused product suite of DSCR, Bank Statement, and other Non-Agency products. Closely comparable to Arc Home's Access and Edge Non-QM programs.
• Angel Oak Mortgage Solutions: Specialty Non-QM mortgage lender operating through wholesale and correspondent channels with a similar product mix (Non-QM, Non-Agency, Jumbo). Angel Oak is one of the closest direct comparables to Arc Home given its TPO focus and specialty product positioning.
• Carrington Mortgage Services: Non-bank lender with both retail and wholesale/correspondent channels, including a substantial Non-QM and specialty product suite serving credit-worthy borrowers that fall outside Agency guidelines.
• NewRez: Top-10 mortgage originator with a wholesale/correspondent platform that includes Non-QM and specialty products. Comparable to Arc Home in channel structure (TPO-heavy) and product breadth across Conventional, Government, Jumbo, and Non-QM.

Emerging players

• Figure Technologies: Digital-native HELOC and home equity lender using blockchain and AI to streamline underwriting. Most directly comparable to Arc Home's HomeEQ business given the digital-first HELOC positioning, though Figure serves a different end-borrower channel mix.
• Verus Mortgage Capital: Non-QM and Non-Agency mortgage investor and capital provider that purchases loans from originators. Indirectly comparable to Arc Home as a counterparty in the secondary market and as a benchmark for Non-QM capital flows, rather than as a direct origination competitor.

Broad incumbents

• United Wholesale Mortgage (UWM): Largest U.S. wholesale mortgage lender, primarily focused on conforming and government products but increasingly expanding into Non-QM. A scaled competitor in Arc Home's core TPO channels with much greater broker market share.
• loanDepot Wholesale: Wholesale channel of large-scale retail lender loanDepot, operating a national broker platform with conventional, government, and select Non-QM products. Comparable to Arc Home's wholesale franchise but with substantially larger scale and broader product breadth.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks7 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/@Home_EQ_TPO
• LinkedInlinkedin.com/company/arc-home-loans

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles9 records

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Arc Home LLC