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.

Say hi at

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.

sumalena thakore2 months agoReview starReview starReview starReview starReview star

Thank you team for helping me with buying my first home. I appreciate all your team effort. A special Thank you to Andy Christian for being on top of things and staying so organized. This is the happiest part of my life. I fall in love with the house all over again when every i am there and it was not possible without your team effort so thanks again and Good Luck in full filling other peoples dream. GREAT JOB 😊

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Nisha Vaswani2 weeks agoReview starReview starReview starReview starReview star

Wish we could give them 10+ stars! Shashank, Bianca & the entire Arcus Lending team went above and beyond to process our loan application and we closed in 28 days - which in today's market is unheard of! They were on top of everything and diligent on keeping us looped in on the process and next steps. I have closed on 2 other houses before and this was the smoothest process I have experienced. Would highly recommend Arcus Lending - there is so much stress around purchasing a new home and they made a major part of the process - totally stress free!

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B Sala2 months agoReview starReview starReview starReview starReview star

We are so happy we got the chance to work with Keith Bailey once again, this time for our refinancing needs. Keith is the only person we would trust to search for the best rate and make sure we are linked up with the best mortgage company. He is also easy to talk to, happy to answer our questions and incredibly friendly. It feels like a close friend or family member is helping us out when we work with him. Thanks to Keith we have quite a bit more money in our pockets which helps during the holidays and one of the best mortgage rates available, which will save us a chunk of change over the lifetime of our mortgage. For anyone looking for a lender, we can't recommend Keith enough. He will take care of you and make it all seem easy.

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Jay Shaha week agoReview starReview starReview starReview starReview star

Arcus Lending executed on a tough Mortgage refinance for me given my condo is new and is difficult to work with. Special shout out to Andy for working hard on the deal to align all relevant stakeholders and to push for the deal. Tried two other lenders prior which did not work! So thank you!

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Natalya Grigoryevaa month agoReview starReview starReview starReview starReview star

What a great company! Buying a house is a very exciting, but also very stressful experience. My friend referred me to Arcus Lending. My loan officer was Derek and let me tell you, this guy is amazing! He made this whole mortgage nightmare so easy! I had a lot of questions and was very stressed, but Derek was always there to help and guide me 100% from Day 1. I just want to say thank you to this amazing company and amazing employees!

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Sullay Deen2 months agoReview starReview starReview starReview starReview star

From the abysmal depth of my heart I say thanks to Raul and his team (Bianca and Erwin), and my Realtor (Francis Udeh) in helping me own my first home in America. It's a dream come true! The availability of of the team to answer my questions, provide ardent and timely updates, and walking with me all the way was amazing. My experience was quite pleasing and pleasant. I will strongly recommend this team to any potential home buyer.

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Kikoman57a month agoReview starReview starReview starReview starReview star

Anthony Narag, our loan officer, provided us with exemplary service! The time taken to complete our refinance was outstanding! Our only regret is that we didn't know Anthony sooner as we had done a prior refinance and our experience with that company was no where near what Anthony provided for us. We would highly recommend Anthony to family and friends for all their loan needs.

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Kathleen Hernandez4 months agoReview starReview starReview starReview starReview star

Great loan process, made easy. Very good communication throughout, and we highly recommend this company; The team was great! Joseph Gomez especially deserves a five star reward— he worked all hours, night and day, during pandemic conditions, to get the loan funded. Amazing work ethic— and you are all an amazing team! Thank you very much!

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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.