What arc home does

Arc Home LLC is a privately held, New Jersey-based residential mortgage lender founded in 2016 that originates both agency (FHA, VA, Conventional) and proprietary Non-Qualified Mortgage (Non-QM) loans through a direct-to-consumer digital origination platform at archomedirect.com supplemented by phone-based licensed loan agents. The company's core specialization is serving borrowers who cannot qualify under standard agency guidelines—self-employed borrowers using bank-statement or asset-based income verification (Alternative Income), real estate investors qualifying on rental property cash flow (DSCR), individuals recovering from recent credit events (Clean Slate), and high-net-worth borrowers needing expanded loan limits up to $3.5 million (Jumbo Plus)—all marketed under the proprietary Arc Home Access product brand.

The business operates a web-based origination stack with online application, calculators, and customer account portals; post-close servicing is outsourced to Flagstar Bank (FHA/VA/USDA), LoanCare (Conventional), and Shellpoint Mortgage Servicing for transferred loans. Arc Home licenses in multiple states (including California) but excludes New York, Hawaii, Nevada, and Utah from solicitation. Marketing is conducted through paid digital channels (Google Ads, Facebook, Bing) and email automation via Act-On.

Arc Home generates revenue through transaction-based origination fees on closed mortgage loans; revenue is not publicly disclosed. Since Q2 2025, the company has been 66% owned by AG Mortgage Investment Trust (a publicly traded REIT), following the trust's incremental 21.4% acquisition, providing institutional capital backing for ongoing lending operations.

Name

arc home

Legal name

Arc Home LLC

Website

https://archomedirect.com

Company type

Private

Founded year

2016

Operating status

Operating

Short description

Arc Home is a privately held New Jersey-based residential mortgage lender specializing in Non-QM loans (bank-statement, DSCR, credit-recovery, jumbo) for self-employed borrowers, real estate investors, credit-challenged individuals, and high-net-worth buyers via a direct-to-consumer digital origination platform.

Ownership category

akta.pro rank

Product category

Residential Mortgage Lending

NAICS

Real Estate Credit (522292)

SIC

Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Government-Insured Mortgage Origination (FHA/VA/USDA) (FSALAAAI)

akta.pro secondary industry

Real Estate Private Credit (CRE Debt) (FSANADAG)

Keywords

• Residential mortgage lending
• Non-QM loan programs
• Bank statement loans
• DSCR rental financing
• Alternative documentation mortgages

Headquarters

HQ city

Moorestown

HQ country

United States

HQ region

North America

Offices3 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Mortgage Origination: Arc Home originates mortgage loans and earns origination fees from borrowers. The company offers various loan products including FHA, VA, Conventional, and Non-QM products.
2. Loan Servicing: Arc Home services mortgage loans through third-party servicers including Flagstar, LoanCare, and Shellpoint Mortgage Servicing

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels5 records

Core offering

Arc Home originates and funds residential mortgage loans for individual borrowers, offering a full suite of agency products (FHA, VA, Conventional) alongside a proprietary Non-QM product line branded as Arc Home Access. Specialty offerings include Alternative Income (bank statement) loans for self-employed borrowers, DSCR-based Rental Property Investor Financing, Clean Slate loans for credit-challenged borrowers after 12-month seasoning, and Jumbo Plus loans with limits up to $3.5M. Loans are originated directly to consumers via archomedirect.com and a phone-based call center; post-closing servicing is performed by third-party servicers.

Product overview

Arc Home operates as a mortgage lending company offering a dual approach: comprehensive agency mortgage products (FHA, VA, Conventional loans) through its Arc Direct Lending platform, combined with proprietary Non-QM solutions under the Arc Home Access line for borrowers unable to qualify for traditional agency loans. The specialty portfolio includes Alternative Income (bank statement loans for self-employed), Clean Slate (for credit-challenged borrowers), Jumbo Plus (expanded limits up to $3.5M), and Rental Property Investor Financing (DSCR-based, up to $2.5M). The company also provides mortgage assistance services for existing borrowers, online calculators, and customer portal access through loan servicing partners (Flagstar, LoanCare, Shellpoint). The company is licensed in multiple states including California, and is not licensed in Hawaii, Nevada, Utah, or New York.

Differentiator

Problem solved

Functional benefit

Brands

• Arc Home Access: Proprietary line of Non-QM products allowing the company to serve customers with specific needs who cannot obtain traditional agency loans.

Products and services

• FHA Loan
• VA Loan
• Conventional Loan
• Alternative Income Loan
• Clean Slate Loan
• Jumbo Plus Loan (Agency Plus)
• DSCR Rental Property Investor Financing
• Mortgage Assistance Services
• Arc Direct Lending Platform
• Arc Home Access Product Line

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

Feature4 records

Partnerships

Five partnerships are on record, tiered core and minor.

• Flagstar BankcoreTechnology or IntegrationFlagstar Bank provides loan servicing for Arc Home's FHA, VA, and USDA loan products. Existing borrowers can access their accounts and make payments through Flagstar's servicing portal.
• LoanCarecoreTechnology or IntegrationLoanCare provides loan servicing for Arc Home's conventional loan products. Existing borrowers access account management through LoanCare's servicing portal at archomeloans.myloancare.com.
• Google AdscoreGTM or Marketing PartnerGoogle Ads is used for targeted online advertising campaigns to reach prospective mortgage borrowers through search and display advertising.
• FacebookcoreGTM or Marketing PartnerFacebook is used for social media advertising to target prospective borrowers with mortgage product messaging based on user demographics and interests.
• Bing (Microsoft Advertising)minorGTM or Marketing PartnerBing Ads provides search engine advertising on Microsoft properties to reach additional borrower segments not captured through Google advertising.

Scale indicators2 records

Expansion highlights4 records

Direct peers

• Angel Oak Mortgage Solutions: Angel Oak's mortgage solutions arm is one of the largest Non-QM originators in the US, offering bank statement, DSCR, and other alternative documentation products to a similar borrower base including self-employed borrowers and real estate investors.
• Newfi: Newfi is a Non-QM and private money lender specializing in self-employed borrowers, real estate investors, and bank-statement loans via both wholesale and direct channels — directly overlapping Arc Home's Alternative Income and DSCR products.
• Deephaven Mortgage: Deephaven is a Non-QM-focused lender offering bank statement, DSCR, and investor loan programs through wholesale and direct channels, competing directly for the same self-employed and investor borrower segments.
• A&D Mortgage: A&D Mortgage is a wholesale and direct Non-QM lender offering DSCR, bank statement, and other alternative documentation products, competing head-to-head with Arc Home's specialty product suite.
• Verus Mortgage Capital: Verus is a Non-QM investor/lender (formerly private equity backed) that purchases and originates Non-QM loans including DSCR and bank-statement products, competing for the same investor and self-employed borrower pool.
• Lima One Capital: Lima One specializes in DSCR and rental portfolio loans for real estate investors, directly overlapping Arc Home's DSCR rental property financing program with similar 1-4 unit and short-term rental eligibility.

Broad incumbents

• Caliber Home Loans: Caliber is a top-10 US mortgage originator offering a full suite of agency and Non-QM products (Caliber Wholesale's Non-QM division) including bank statement and investor loans; overlapping with Arc Home but operating at significantly larger scale.
• loanDepot: loanDepot is a major US mortgage lender with retail, wholesale (LDWholesale), and direct channels offering agency and a range of Non-QM products; broadly comparable as a large incumbent with overlapping specialty programs.
• Rocket Mortgage: Rocket Mortgage is the largest US mortgage originator with a digital-first retail platform; while primarily an agency lender, its scale and brand set the competitive baseline Arc Home faces in digital lead acquisition.

Emerging players

• Kiavi: Kiavi (formerly LendingHome) is a tech-enabled lender focused on real estate investor and bridge financing with DSCR-like qualification; an emerging player with partial overlap on Arc Home's rental investor product line.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks5 records

Key highlights5 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

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