Engineered by us, driven by you

Low Rates. Legendary Service. Award-Winning Expertise.


Have you talked to Rachel?

We reimagined the way customer service is delivered, making it more human to form meaningful connections.

Created in Silicon Valley, and making waves in NYC: Rachel, the mortgage industry's first digital human.

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A true digital mortgage process

  • Start application/pre-approval
  • Calculate payments easily
  • Securely scan and upload documents
  • See your process
  • Get updates as you go

Download the app today on your smartphone

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Never miss a refinance opportunity

Refinancing your mortgage can be complicated and time-consuming. That's why we're here to help.

InstaRefi is a free, 24/7 digital rate monitoring service that instantly alerts you of opportunities to refinance. We do the work, so you don't have to.

Sign up now at

Our clients love us – and so will you.

Samantha Fernandeza week agoReview starReview starReview starReview starReview star

The Arcus Lending team was really a breeze to work with! They made the entire process as stress-free as possible. We worked closely with Oscar and he was on top of things. This is the second home purchase we have completed and this was a much better experience than we had before. Thank you Arcus team for making our home buying experience amazing! 🏡🤗🍾🎉

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Dale and Nancy Huss3 months agoReview starReview starReview starReview starReview star

Working with Allan Mack was the opposite of stressful; he was very personable and efficient. The whole loan process, from start to finish, took about 2 weeks. I'm very grateful to my financial advisor for recommending Allan. Dale

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Neeraj Goela month agoReview starReview starReview starReview starReview star

Arcus Lending not only provided me with the best rates but also provided really great service. They were very efficient and prompt in their support. I think I had to spend probably less than 5 hours in the whole end to end process which is a testament of the efficiency and transparency these guys worked. I was provided by the staff member Betty Pour and she was great. I would highly recommend them for your financing needs.

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Timothy Tabora month agoReview starSelected Review starSelected Review starSelected Review starSelected Review star

Watch yourself with these people they will sweet talk you like they are here to help veterans and have done it fore years. Obviously there are better rates and they will say that the other lenders are lying to you when in all actuality they are just to get a sale. They will then tell you you won’t have a hard inquiry which is a lie and that’s how I caught onto them because right before closing I checked my credit and found a new inquiry. So since my credit got that ding already I checked with other lenders and found a rate half a point better. The funny thing was when I contacted my new lender I found that arcus is a brokerage company and the loan they where offering me was from my new lender so I’m sure the the half a point I saved would have went to them, which is a lot of money for just being a middle man.

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Linesh John2 months agoReview starReview starReview starReview starReview star

Shashank is the best. I got my first home loan from him and it was great to work with him again. Bianca is amazing and helps explain everything clearly. She is always on top of things and kept me updated. It was great working with both of them. I got great rates with zero closing costs.

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Andrew Seskevich2 months agoReview starReview starReview starReview starReview star

Working with Derek Haley and his team made my home loan process a breeze. He was able to get me a great low interest rate on my VA loan. His team kept me up to date on the process and always responded quickly to my questions. Compared to my first home loan experience, nothing could have made it better.

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Furkan Ahmad4 months agoReview starReview starReview starReview starReview star

Team Arcus, Thank you for excellent turn around for closing my loan. It has been quite pleasant experience working through the whole process ( even during pandemic). I love your “Arcus” app which is very crisp , cater well organized whole lending process and keep us updated about the status in almost real time. Special thanks to Shashank for pitching in , answering my questions and solving issues immediately whenever I needed help! I am definitely going to refer Arcus Lending to my network ....

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avirmania month agoReview starReview starReview starReview starReview star

I shopped around and found Arcus Lending rates to be the best. Their overall loan closing time is very fast compared to other companies who take twice as much time to close. Overall very happy and satisfied.

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And the world is taking notice


Arcus was named to the coveted Inc 500 list of the nation's fastest-growing private companies in 2017. Within the mortgage industry, Arcus was named one of the Top 3 fastest growing companies in the country.


Arcus Lending was named to Mortgage Professional America's 2020 list of Top Mortgage Workplaces.


"Arcus Lending has launched Rachel, the mortgage industry's first digital human. She revolutionizes the online chatbot experience and supplements the work done by human employees.


"Immigrant to struggling broker to top originator. How one California mortgage pro is out to conquer the industry." From the National Mortgage Professional Magazine June 2020 Cover Story.

Meet our founder and CEO
Shashank Shekhar

An #1 best-selling author, Shashank Shekhar is widely regarded as America's Premier Mortgage Expert. He believes in making mortgages simple and jargon free for all homebuyers. He writes an award-winning mortgage blog and is regularly invited to contribute his expertise in leading publications such as Yahoo! News, FOX, Washington Post, and


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Three easy ways to get started

This site is not authorized by the New York State Department of Financial Services. No mortgage solicitation activity or loan application for properties located in the state of New York can be facilitated through this website. For inquiries about loans in New York, go here.