ARC HOME LLC
3,131 mortgages originated in 2025 across 15 states, and what they cost borrowers.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 3,131
- Median rate
- 7.125%
- Median lender fees
- $11,327
- Median loan amount
- $445,000
- Median spread over APOR
- 0.768
- Paid discount points
- 25.4%
- Received lender credits
- 29.1%
- Purchases / refinances
- 58% / 42%
- Conventional / FHA / VA
- 99.5% / 0.5% / 0%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 56.7% of loans here — see methodology.
Where ARC HOME LLC lent
States with at least 50 loans in 2025, ranked by volume.
| State | Loans | Median fees | Median rate |
|---|---|---|---|
| California | 504 | $11,658 | 7.000% |
| New York | 503 | $18,460 | 6.990% |
| Florida | 380 | $11,960 | 7.250% |
| Texas | 240 | $10,810 | 7.125% |
| New Jersey | 231 | $11,643 | 7.250% |
| Arizona | 117 | $7,776 | 7.125% |
| Massachusetts | 110 | $8,671 | 7.375% |
| Connecticut | 108 | — | 7.250% |
| Maryland | 89 | $11,287 | 7.125% |
| Colorado | 86 | — | 6.875% |
| Pennsylvania | 83 | — | 7.500% |
| Virginia | 69 | — | 7.250% |
| Rhode Island | 62 | — | 7.750% |
| Utah | 56 | — | 7.625% |
| Ohio | 53 | — | 7.500% |