PlainLender

ARC HOME LLC

MOORESTOWN, NJ

ARC HOME LLC processed 6,847 mortgage applications in 2024 per HMDA data reported to the Consumer Financial Protection Bureau (CFPB), originating 2,842 loans with a 9.5% denial rate. Home Purchase was the primary loan purpose. Based in MOORESTOWN, NJ. The approval rate of 41.5% reflects originated loans as a share of all applications. Below you will find a breakdown by loan type, loan purpose, denial reasons, and demographic lending patterns as required by the Home Mortgage Disclosure Act.

Portfolio scale. ARC HOME LLC processed 6,847 HMDA-reported mortgage applications in 2024, originating 2,842 loans and denying 652 for a denial rate of 9.5% (applicants themselves withdrew 1,668 files before a decision). The average loan amount was $547,746 at a 7.510% average note rate, and applicants self-reported an average income of $37,000. The lender reports under LEI 54930048P8RWCQHQM310 from MOORESTOWN, NJ.

Why approval and denial rates diverge. Approval (origination) rate and denial rate do not sum to 100% — HMDA records several outcomes beyond approved-and-funded, including files that were approved but not accepted by the applicant, withdrawn, or closed for incompleteness. ARC HOME LLC's 41.5% origination rate tells you how often an application turned into funded money; the 9.5% denial rate is a separate read on underwriting strictness. The most frequently cited denial reasons in this file were Other, Debt-to-income ratio, Collateral, which together explain the majority of rejections. Most activity concentrated in Conventional loans (6,721 applications).

How to read this page. These figures are aggregate HMDA disclosures — they describe this lender's overall 2024 book, not your individual odds. Approval and denial rates are shaped by the applicant mix a lender actually receives: credit profile, loan-to-value, debt-to-income, property type, and geography. A lower denial rate at one lender versus another does not necessarily mean easier underwriting — it often reflects borrower self-selection and loan-product specialization. This page is informational data reporting, not financial, legal, or mortgage advice. Compare multiple lenders, read your Loan Estimate carefully, and consult a licensed mortgage professional before applying. Data reflects 2024 disclosures published by the CFPB in 2025.

6,847
Applications
2,842
Originated
9.5%
Denial Rate
$547,746
Avg Loan Amount
Avg Interest Rate: 7.510% Avg Applicant Income: $37,000

Lending Activity

Type Applications Originated Denied Avg Loan
Conventional 6,721 2,791 626 $550,045
FHA 120 49 26 $421,750
VA 6 2 0 $491,667

Top loan types — ARC HOME LLC

Top loan types — ARC HOME LLC Horizontal bar chart of the top 3 items by value (applications). Top loan types — ARC HOME LLC Top 3 1. Conventional 6,721 2. FHA 120 3. VA 6 Top 5 loan types by application volume at ARC HOME LLC (HMDA 2023). Source: CFPB HMDA loan/application register.

Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2023 LAR — application-level mortgage data for ARC HOME LLC (LEI: 54930048P8RWCQHQM310) · 2023 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.

Denial Analysis

Other
201
Debt-to-income ratio
195
Collateral
134
Unverifiable information
96
Credit history
66
Employment history
44
Insufficient cash
41
Credit application incomplete
10

Loan Purpose Breakdown

Purpose Applications Originated Avg Loan
Home Purchase 4,392 1,882 $521,514
Cash-out Refinancing 1,744 688 $554,472
Refinancing 711 272 $693,284

Geographic Coverage — Lending by Race

Derived race categories as reported under HMDA. Source: CFPB.

Race Applications Approval Rate Denial Rate
White 2,690 56.8% 13.2%
Asian 769 58.8% 9.5%
Black or African American 301 44.5% 14.6%
Joint 27 37.0% 14.8%
American Indian or Alaska Native 16 31.3% 18.8%
Native Hawaiian or Other Pacific Islander 4 50.0% 25.0%

Lending by Ethnicity

Hispanic/Latino is an ethnicity, not a race. Shown separately per U.S. Census Bureau standards.

Ethnicity Applications Approval Rate Denial Rate
Not Hispanic or Latino 3,218 56.9% 11.7%
Hispanic or Latino 588 54.1% 17.7%
Joint 45 51.1% 11.1%

Nearby Lenders in NJ

Other HMDA-reporting lenders in NJ with similar activity. Compare any two side-by-side.

TD Bank

Mount Laurel, NJ

56,179 apps 24,748 originated 26.1% denied

HomeBridge Financial Services, Inc

Iselin, NJ

20,428 apps 11,641 originated 24.9% denied

American Neighborhood Mortgage Acceptance Company

Mt. Laurel, NJ

15,393 apps 9,465 originated 2.1% denied

American Financial Resources LLC

PARSIPPANY, NJ

9,814 apps 5,214 originated 8.4% denied

LONGBRIDGE FINANCIAL, LLC

PARAMUS, NJ

9,231 apps 3,849 originated 8.7% denied
Compare ARC HOME LLC vs TD Bank →

Mortgage Lending Guides

Why Mortgages Get Denied
Common denial reasons and how to improve your chances
Comparing Mortgage Lenders
What to look for when choosing a mortgage lender
Getting the Best Mortgage Rate
Strategies for securing the lowest interest rate
Understanding HMDA Data
How to read and interpret mortgage disclosure data
Denial Rates by Demographics
Demographic patterns in mortgage approval and denial

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Frequently Asked Questions

How many mortgage applications did ARC HOME LLC process?
ARC HOME LLC processed 6,847 mortgage applications in the 2023 HMDA reporting year. Of these, 2,842 were originated (approved and funded), 1,668 were withdrawn by the applicant, and 652 were denied.
What is ARC HOME LLC's mortgage approval rate?
ARC HOME LLC has an approval (origination) rate of 41.5%, meaning 41.5% of all applications resulted in a funded mortgage. The denial rate is 9.5%.
What is the average loan amount at ARC HOME LLC?
The average mortgage loan amount at ARC HOME LLC is $547,746. The average interest rate is 7.510%. The average applicant income is $37,000.
What are the most common reasons for mortgage denial at ARC HOME LLC?
The most common reasons for mortgage denial at ARC HOME LLC are: Other, Debt-to-income ratio, Collateral. In total, 652 applications were denied out of 6,847 total applications.
What types of mortgage loans does ARC HOME LLC offer?
ARC HOME LLC processes Conventional, FHA, VA loans. The most common type is Conventional with 6,721 applications and an average loan amount of $550,045.
What loan purposes does ARC HOME LLC serve?
ARC HOME LLC serves the following loan purposes: Home Purchase (4,392 applications), Cash-out Refinancing (1,744 applications), Refinancing (711 applications). Home Purchase is the most common purpose.
Where is ARC HOME LLC located?
ARC HOME LLC is headquartered in MOORESTOWN, NJ. The lender is identified by LEI 54930048P8RWCQHQM310 in HMDA data.
How does ARC HOME LLC compare in lending across racial demographics?
ARC HOME LLC reports demographic lending data under HMDA requirements. White applicants have an approval rate of 56.8% and denial rate of 13.2%; Asian applicants have an approval rate of 58.8% and denial rate of 9.5%; Black or African American applicants have an approval rate of 44.5% and denial rate of 14.6%. This data reflects derived race categories as reported by applicants.

Data Sources

Data as of 2024. Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024 Snapshot.

Data from FFIEC / CFPB HMDA 2024 Snapshot National Loan-Level Dataset. Demographic data reflects derived categories as reported by applicants. Denial rates include all application outcomes. This data is provided for informational purposes only.

Read our methodology — how this data is sourced, computed, and verified.