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
3.4
Lava
Est. 2023
Arch LendingLava
7.0
3.4
Higher safety score (7.03 vs 3.39)
7.0
Safety Score
Higher safety score (7.03 vs 3.39)
3.4
Safety Score
Higher safety score (7.03 vs 3.39)
7.0
Higher safety score (7.03 vs 3.39)
3.4
Lower minimum APR (7.25–10.49% vs 7.5%)
7.25–10.49%
APR Range
Lower minimum APR (7.25–10.49% vs 7.5%)
7.5%
APR Range
Lower minimum APR (7.25–10.49% vs 7.5%)
7.25–10.49%
Lower minimum APR (7.25–10.49% vs 7.5%)
7.5%
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%
—
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 $100
Max Unlimited
Max Unlimited
Loan Amount Range
—
Arch LendingCompare loan amounts based on your needs
Min $5,000
Max Unlimited
Max Unlimited
—
LavaCompare loan amounts based on your needs
Min $100
Max Unlimited
Max Unlimited
Lower origination fee
1%
Origination Fee
Lower origination fee
None
Origination Fee
Lower origination fee
1%
Lower origination fee
None
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
—
Both have the same custody model
Custodial
Custody Model
—
Both have the same custody model
Custodial
Custody Model
—
Arch LendingBoth have the same custody model
Custodial
—
LavaBoth 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
—
LavaBoth have the same rehypothecation policy
No Rehypothecation
—
No published reserve reporting or on-chain verification
Not published
Reserve Transparency
—
No published reserve reporting or on-chain verification
Not published
Reserve Transparency
—
Arch LendingNo published reserve reporting or on-chain verification
Not published
—
LavaNo published reserve reporting or on-chain verification
Not published
registered is a stronger regulatory status
Registered
Regulatory Status
registered is a stronger regulatory status
Undisclosed
Regulatory Status
registered is a stronger regulatory status
Registered
registered is a stronger regulatory status
Undisclosed
Fewer excluded states (0 vs 15)
35 states
Excluded: 15
Excluded: 15
US State Availability
Fewer excluded states (0 vs 15)
All 50 states
US State Availability
Fewer excluded states (0 vs 15)
35 states
Excluded: 15
Excluded: 15
Fewer excluded states (0 vs 15)
All 50 states
Longer track record (4 yrs vs 3 yrs)
4 yrs
Est. 2022
Est. 2022
Track Record
Longer track record (4 yrs vs 3 yrs)
3 yrs
Est. 2023
Est. 2023
Track Record
Longer track record (4 yrs vs 3 yrs)
4 yrs
Est. 2022
Est. 2022
Longer track record (4 yrs vs 3 yrs)
3 yrs
Est. 2023
Est. 2023
Bottom line
Arch Lending
Wins 5 of 12 categories
5
Arch Lending wins
4
Tied
3
Lava wins
Score breakdown
Arch Lending: 5 categories4 tiesLava: 3 categories
Rates and terms are checked on a recurring cadence but may change. Always confirm directly with the lender before applying.