Head-to-Head
Every metric that matters, side by side.
Select two lenders. We compare safety, APR, custody, fees, and 8 more factors — so you choose with data, not marketing.
VS
Arch Lending
Est. 2022
7.0
VS
7.1
Figure
Est. 2018
Arch LendingFigure
7.0
7.1
Higher safety score (7.1 vs 7.03)
7.0
Safety Score
Higher safety score (7.1 vs 7.03)
7.1
Safety Score
Higher safety score (7.1 vs 7.03)
7.0
Higher safety score (7.1 vs 7.03)
7.1
Lower minimum APR (7.25–10.49% vs 8.91%)
7.25–10.49%
APR Range
Lower minimum APR (7.25–10.49% vs 8.91%)
8.91%
APR Range
Lower minimum APR (7.25–10.49% vs 8.91%)
7.25–10.49%
Lower minimum APR (7.25–10.49% vs 8.91%)
8.91%
Higher maximum LTV (60% vs 50%)
60%
Max LTV
Higher maximum LTV (60% vs 50%)
50%
Max LTV
Higher maximum LTV (60% vs 50%)
60%
Higher maximum LTV (60% vs 50%)
50%
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Compare loan amounts based on your needs
Min $5,000
Max Unlimited
Max Unlimited
Loan Amount Range
—
Compare loan amounts based on your needs
Min $500
Max Unlimited
Max Unlimited
Loan Amount Range
—
Arch LendingCompare loan amounts based on your needs
Min $5,000
Max Unlimited
Max Unlimited
—
FigureCompare loan amounts based on your needs
Min $500
Max Unlimited
Max Unlimited
Lower origination fee
1%
Origination Fee
Lower origination fee
1%
Origination Fee
Lower origination fee
1%
Lower origination fee
1%
Faster funding speed
1–3 days
Funding Speed
Faster funding speed
Same day
Funding Speed
Faster funding speed
1–3 days
Faster funding speed
Same day
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Both have the same custody model
Custodial
Custody Model
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Both have the same custody model
Custodial
Custody Model
—
Arch LendingBoth have the same custody model
Custodial
—
FigureBoth have the same custody model
Custodial
—
Both have the same rehypothecation policy
No Rehypothecation
Rehypothecation Policy
—
Both have the same rehypothecation policy
No Rehypothecation
Rehypothecation Policy
—
Arch LendingBoth have the same rehypothecation policy
No Rehypothecation
—
FigureBoth have the same rehypothecation policy
No Rehypothecation
—
No published reserve reporting or on-chain verification
Not published
Reserve Transparency
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No published reserve reporting or on-chain verification
Not published
Reserve Transparency
—
Arch LendingNo published reserve reporting or on-chain verification
Not published
—
FigureNo published reserve reporting or on-chain verification
Not published
—
Both have the same regulatory status
Registered
Regulatory Status
—
Both have the same regulatory status
Registered
Regulatory Status
—
Arch LendingBoth have the same regulatory status
Registered
—
FigureBoth have the same regulatory status
Registered
Fewer excluded states (10 vs 15)
35 states
Excluded: 15
Excluded: 15
US State Availability
Fewer excluded states (10 vs 15)
40 states
Excluded: 10
Excluded: 10
US State Availability
Fewer excluded states (10 vs 15)
35 states
Excluded: 15
Excluded: 15
Fewer excluded states (10 vs 15)
40 states
Excluded: 10
Excluded: 10
Longer track record (8 yrs vs 4 yrs)
4 yrs
Est. 2022
Est. 2022
Track Record
Longer track record (8 yrs vs 4 yrs)
8 yrs
Est. 2018
Est. 2018
Track Record
Longer track record (8 yrs vs 4 yrs)
4 yrs
Est. 2022
Est. 2022
Longer track record (8 yrs vs 4 yrs)
8 yrs
Est. 2018
Est. 2018
Bottom line
Figure
Wins 5 of 12 categories
2
Arch Lending wins
5
Tied
5
Figure wins
Score breakdown
Arch Lending: 2 categories5 tiesFigure: 5 categories
Rates and terms are checked on a recurring cadence but may change. Always confirm directly with the lender before applying.