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.

Dale and Nancy Huss2 weeks 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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Furkan Ahmada month 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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Vinay Prabhu4 weeks agoReview starReview starReview starReview starReview star

Arcus lending are your best resource for mortgages. They are the only ones I go to for refinancing. The team works with you every step of the way. They are very courteous and are not looking for just a one-time deal, rather they work with you to make sure you are a happy customer. They are unbeatable!

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schwin3 weeks agoReview starReview starReview starReview starReview star

Arcus lending was very helpful in my house loan refinancing. They were very transparent about all the financials and compensated for all the variation that was above the agreed term out of their pocket. I found the best interest rate with them after shopping around and would definitely recommend anyone needing refinancing.

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Pritam Mungsea day agoReview starReview starReview starReview starReview star

I have excellent experience with Arcus, specially Bianca was amazing in understanding complex situations I had. Arcus was able to help with refi in record time and with best rate i got.

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sumalena thakore3 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 Vaswania month 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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Steve Kelea day agoReview starReview starReview starReview starReview star

We have refinanced with Arcus twice and both times the whole team has been very professional, understanding, efficient, and a pleasure to work with! I would recommend them to everyone!

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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.