Homeq Servicing Corporation
HomeEQ, a DBA of Arc Home LLC, is a US digital lender offering a fully self-service Home Equity Line of Credit platform to homeowners in 40+ states. The online application delivers minute-fast approvals and funding within days.
- Company typePrivate
- Founded2010
- HeadquartersNorth Highlands, United States
- Headcount1,001–5,000
- GTM typeB2C
- OfferingServices
What Homeq Servicing Corporation does
Homeq Servicing Corporation operates the HomeEQ brand, a digital direct-to-consumer Home Equity Line of Credit (HELOC) lender serving US homeowners seeking to monetize accumulated property equity. HomeEQ is a DBA (doing business as) of Arc Home LLC, the parent legal entity holding NMLS license #81386 and California Residential Mortgage Lending Act (60DBO-135746) and California Financing Law (4130978) licenses, providing the regulated lending infrastructure. The company has originated over $18.6 billion across more than 52,000 HELOCs in 40+ US states, with operations excluded from Hawaii, Illinois, Texas, and New York.
The company's core product is a fully digital, self-service HELOC platform accessible at apply.home-eq.com, enabling homeowners to complete the entire origination process online: 24/7 application submission, approval decisions in minutes, and cash access within as few as five days. The technology stack replaces traditional mortgage timelines and paperwork with a streamlined digital workflow. Supporting tools include HELOC, payment, and debt consolidation calculators, alongside a high-volume SEO-driven content marketing engine (blog posts, educational resources) covering debt consolidation, home improvement, education financing, medical expenses, and personal milestones. Distribution is direct-to-consumer digital, with phone support (1-855-3HOMEEQ) as a secondary inside-sales channel.
HomeEQ's revenue model is HELOC interest income on drawn balances, supplemented by origination economics; pricing is personalized rather than publicly disclosed. The customer base is fragmented homeowners with built equity, segmented horizontally by use case rather than by enterprise or vertical. The team is described as having 100+ years of combined mortgage experience, and headcount is in the 1,001-5,000 range, suggesting a substantial operations and servicing function behind the consumer-facing platform.
Homeq Servicing Corporation firmographics
Firmographics- Name
- Homeq Servicing Corporation
- Legal name
- Arc Home LLC
- Website
- https://homeeq.com
- Company type
- Private
- Founded year
- 2010
- Operating status
- Operating
- Headcount range
- 1,001–5,000 employees
- Short description
- HomeEQ, a DBA of Arc Home LLC, is a US digital lender offering a fully self-service Home Equity Line of Credit platform to homeowners in 40+ states. The online application delivers minute-fast approvals and funding within days.
- Ownership category
- akta.pro rank
Homeq Servicing Corporation industry classification
Industry- Product category
- Home Equity Lending
- NAICS
- Mortgage and Nonmortgage Loan Brokers (522310)
- SIC
- Personal Credit Institutions (6141)
- akta.pro primary industry
- HELOC Origination (Revolving Lines of Credit) (FSALAGAB)
- akta.pro secondary industries
- Home Equity–Based Debt Consolidation (HEL/HELOC for consolidation) (FSAKAIAE), Home Equity Loan/HELOC Servicing & Subservicing (FSALAGAD)
Keywords
Where Homeq Servicing Corporation is headquartered
LocationHeadquarters
- HQ city
- North Highlands
- HQ country
- United States
- HQ region
- North America
Markets served
Homeq Servicing Corporation business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Others
Revenue model
- HELOC Interest Income: HomeEQ originates Home Equity Lines of Credit and earns interest income on the loans extended to homeowners. As a lender, revenue is generated through interest accrual on the drawn balances of HELOC accounts.
Go-to-market motion1 record
Distribution channels2 records
Marketing channels4 records
Homeq Servicing Corporation product offering
Product offeringCore offering
HomeEQ is a digital mortgage lender that originates Home Equity Lines of Credit (HELOC) for individual homeowners through a fully online, self-service application platform. Homeowners can apply 24/7, receive an approval decision in minutes, and access cash within as few as five days. The company operates as a DBA of Arc Home LLC (NMLS 81386) and has funded more than $18.6 billion across 52,000+ loans in 40+ US states, supporting use cases such as debt consolidation, home improvement, education, medical expenses, and personal milestones.
Product overview
HomeEQ (a dba of Arc Home LLC) offers a single unified product: a fully digital Home Equity Line of Credit (HELOC) service. The core offering is the HomeEQ HELOC platform, supported by a suite of calculator tools (HELOC Calculator, Payment Calculator Guide, Debt Consolidation Calculator) and an Online Application Portal. The self-service digital experience allows homeowners to apply 24/7, get approved in minutes, and receive funds in as few as five days. The company has funded over $18.6 billion in loans across more than 52,000 loans in 40+ states.
Differentiator
Problem solved
Functional benefit
Products and services
- HomeEQ HELOC A fully digital Home Equity Line of Credit (HELOC) that enables homeowners to access the equity in their primary residence through a self-service online application. Customers can apply 24/7, receive approval decisions in minutes, and access cash within as few as five days. The product supports use cases including debt consolidation, home improvement, education, medical expenses, weddings, travel, and other major life expenses, and is available to homeowners in 40+ US states.
Quantifiable outcome
- Cash access in as few as five days
- +1 more outcomes
Companies that use Homeq Servicing Corporation
Customer profileSegments1 record
Ideal customer profiles1 record
Homeq Servicing Corporation technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
Homeq Servicing Corporation partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- Arc Home LLCcoreHomeEQ operates as a DBA (doing business as) of Arc Home LLC. Arc Home LLC is the parent/licensing entity with NMLS 81386. HomeEQ products are offered through this licensing relationship with Arc Home LLC providing the regulatory and lending infrastructure.
Scale indicators4 records
Recent moves5 records
Expansion highlights4 records
Homeq Servicing Corporation competitors and assessment
Company assessmentBroad incumbents
- LendingClub: Digital consumer credit platform offering personal loans and home equity products through an online origination funnel. Comparable digital lending infrastructure and target customer base, though with a broader product suite.
- Rocket Mortgage: Largest US retail mortgage originator offering digital HELOC and home equity products alongside first mortgages. Comparable to HomeEQ in offering digital self-service home equity access, but operates as a broad incumbent across the full mortgage spectrum rather than focusing exclusively on HELOC.
- SoFi: Digital consumer finance platform offering home equity loans and HELOCs alongside personal loans, mortgages, and banking products. Comparable digital-first lending model and target consumer demographic, though operates as a broader multi-product incumbent.
- Discover Home Equity Loans: Discover's home equity loan product offering homeowners digital application and access to equity. Comparable product and target segment, though Discover operates as a broad consumer finance incumbent rather than a HELOC-focused lender.
Direct peers
- Unlock Home Equity: Digital-first HELOC lender providing online home equity lines of credit with rapid funding. Comparable product specialization, customer segment, and digital-first distribution model.
- Figure Technologies: Fintech lender specializing in digital HELOC and home equity loan origination with a streamlined online application and rapid funding. Most directly comparable to HomeEQ in product focus, technology-led origination, and target borrower segment.
- Better.com: Digital-first mortgage and home equity lender offering online application, e-close, and rapid digital processing. Closely comparable business model, target customer (homeowners seeking equity), and self-service distribution approach.
- SpringEQ: Dedicated digital HELOC lender offering streamlined online home equity lines of credit to homeowners. Direct competitor with the same product focus, target segment, and online origination motion as HomeEQ.
Emerging players
- Hometap: Home equity investment provider enabling homeowners to access equity without monthly payments. Adjacent to HELOC but uses an investment-based structure rather than revolving credit; comparable target customer and digital-first approach.
- Point Digital Finance: Home equity investment fintech offering homeowners cash in exchange for a share of their home's future appreciation. Adjacent category to HELOC, addressing the same "access home equity" use case with a digital-first model.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
Homeq Servicing Corporation social profiles
Digital presenceHomeq Servicing Corporation compliance and trust
Trust signalCompliance4 records
Homeq Servicing Corporation financial estimates
Financial estimateRevenue estimate
Valuation estimate
Homeq Servicing Corporation leadership team
Management profileNumber of profiles
Homeq Servicing Corporation funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Homeq Servicing Corporation 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 Homeq Servicing Corporation
What does Homeq Servicing Corporation do?
HomeEQ is a digital mortgage lender that originates Home Equity Lines of Credit (HELOC) for individual homeowners through a fully online, self-service application platform. Homeowners can apply 24/7, receive an approval decision in minutes, and access cash within as few as five days. The company operates as a DBA of Arc Home LLC (NMLS 81386) and has funded more than $18.6 billion across 52,000+ loans in 40+ US states, supporting use cases such as debt consolidation, home improvement, education, medical expenses, and personal milestones.
Is Homeq Servicing Corporation a public or private company?
Homeq Servicing Corporation is a private company. It is classified as unknown and is currently operating.
When was Homeq Servicing Corporation founded?
Homeq Servicing Corporation was founded in 2010. It employs 1,001 to 5,000 people.
Where is Homeq Servicing Corporation based?
Homeq Servicing Corporation is headquartered in North Highlands, United States, in the North America region.
How does Homeq Servicing Corporation make money?
One revenue line is on record: HELOC Interest Income.
Who are Homeq Servicing Corporation's main competitors?
Broad incumbents on record are LendingClub, Rocket Mortgage, SoFi and Discover Home Equity Loans. Direct peers are Unlock Home Equity, Figure Technologies, Better.com and SpringEQ. Emerging players are Hometap and Point Digital Finance.
Does Homeq Servicing Corporation have an API?
No public API is recorded for Homeq Servicing Corporation.
What industry is Homeq Servicing Corporation in?
Homeq Servicing Corporation's product category is Home Equity Lending. Its primary akta.pro industry code is FSALAGAB, HELOC Origination (Revolving Lines of Credit), with a secondary code of FSAKAIAE, Home Equity–Based Debt Consolidation (HEL/HELOC for consolidation). Its NAICS code is 522310 and its SIC code is 6141.