What loan types does Ark Mortgage offer?

Ark Mortgage offers the following mortgage loan types: Conventional, Jumbo. Each product has its own pricing score and performance metrics.

Where does Ark Mortgage offer mortgages?

Ark Mortgage offers mortgages in 6 states: AZ, FL, IL, NJ, NY, PA.

How competitive are Ark Mortgage's mortgage rates?

Ark Mortgage has an overall pricing score of 21.4/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Ark Mortgage?

Ark Mortgage is a Independent Mortgage Company headquartered in NORTH BRUNSWICK, NJ.

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Ark Mortgage

Independent Mortgage Company•North Brunswick, NJHQ•Direct•Reviews near you on Google

Ark Mortgage has 261 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Acceptable

2/5

vs. all lenders

Pull-through

Sound

3/5

closing strength

Product

Strong

4/5

Conventional · Jumbo

Place

Strong

4/5

Multi-Region · 4 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Summary

Things to Think About

Rates typically 95 basis points above market average

Explore another lender or local market

Report Card

Ark Mortgage performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Acceptable

+94.8 bps above market avg

2/5

Pull Through

Closing strength

Sound

Top 60% of lenders

3/5

By Loan Product· Specialization by type

Conventional

241 loans · 1.00% above market

Sound

Top 60% of lenders

3/5

Jumbo

18 loans · 0.10% below market

Strong

Top 40% of lenders

4/5

By Loan Purpose· Transaction purpose mix

Purchase

149 loans · 0.96% above market

Sound

Top 60% of lenders

3/5

Refinance

112 loans · 0.94% above market

Strong

Top 40% of lenders

4/5

By Location· Geographic coverage

Geographic Reach

Multi-Regional · 5 markets

Sound

Top 60% of lenders

3/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Sound	Acceptable	Sound	241	92.3%	+0.996%Above	$3,354Fees
Jumbo Loans	Strong	Strong	—	Strong	18	6.9%	-0.103%Below	$3,777Fees

Conventional

Overall

Sound

Product

Sound

Pricing

Acceptable

Pull Through

Sound

Volume241

Mix92.3%

Spread

+0.996%Above

Fees

$3,354Fees

Jumbo Loans

Overall

Strong

Product

Strong

Pricing—

Pull Through

Strong

Volume18

Mix6.9%

Spread

-0.103%Below

Fees

$3,777Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Acceptable	Sound	Mediocre	Sound	149	57.1%	+0.959%Above	$3,257Fees
Refinance	Sound	Strong	Acceptable	Strong	112	42.9%	+0.935%Above	$3,667Fees

Purchase

Overall

Acceptable

Product

Sound

Pricing

Mediocre

Pull Through

Sound

Volume149

Mix57.1%

Spread

+0.959%Above

Fees

$3,257Fees

Refinance

Overall

Sound

Product

Strong

Pricing

Acceptable

Pull Through

Strong

Volume112

Mix42.9%

Spread

+0.935%Above

Fees

$3,667Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

261

Applications

391

Volume

$137 million

Pricing & Closing

Avg Rate Spread

+0.948%

vs. market APOR

Avg Net Fees

$3,452

Origination − Credits

Pullthrough Rate

66.8%

Applications → Closed

Typical Borrower

Avg Loan Amount

$527,414

Avg Borrower Income

$43,261

Avg Property Value

$1,006,129

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

6Full-year 2024 · HMDA

Loans originated

< 100100+None

Northeast3

NJNYPA

Midwest1

South1

West1

Top Metro Areas by Place Specialization Score

Kiryas Joel, NYMetro

Volume 50Mix 19.16% of portfolio

70/100

Strong

Lakewood, NJMetro

Volume 60Mix 22.99% of portfolio

67/100

Strong

New York, NY-NJMetro

Volume 76Mix 29.12% of portfolio

67/100

Strong

Trenton, NJMetro

Volume 10Mix 3.83% of portfolio

46/100

Sound

Top States by Place Specialization Score

New YorkState

Volume 149Mix 57.09% of portfolio

70/100

Strong

New JerseyState

Volume 88Mix 33.72% of portfolio

68/100

Strong

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Champion(80%+ = 40-50 points)

Superstar(60-79% = 30-39 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.