#None #Irvine #Archwest Capital #Residential Loans #Rated Securitization

Archwest Capital Completes Landmark $300 Million Rated Securitization

IRVINE, California, October 15, 2025 – Archwest Capital LLC, a prominent private lender for residential real estate investors across the U.S., proudly announces the completion of its inaugural rated securitization, Archwest Mortgage Trust 2025-RTL1, backed by residential transition loans (RTLs) amounting to $300 million.

This pivotal transaction is not merely another financial move; it symbolizes a significant advancement in Archwest's strategy to expand its capital markets opportunities. The securitization has been met with overwhelming enthusiasm, being oversubscribed nearly five times; a clear indication of the high demand for premium business-purpose loan assets. Institutional investors have increasingly acknowledged Archwest's disciplined credit management practices and consistent performance.

Shawn Miller, CEO and Founder of Archwest Capital, stated, "As we broaden our lending reach across the country, securitizations of this nature allow us to provide the reliability and scalability that real estate investors need. Our borrowers rely on speed and consistency, attributes we are committed to delivering in every market cycle."

The securitization itself comprises four different classes of notes (A1, A2, M1, M2), with DBRS Morningstar providing credit ratings. The first collateral pool included 318 residential transition loans with an unpaid principal balance totaling roughly $274 million, bolstered by a cash accumulation account of $41 million. The structure incorporates a revolving period of two years, permitting the reinvestment of principal payoffs from existing loans into new collateral, thus enhancing funding flexibility for Archwest's lending operations.

Key credit safeguards integrated into this deal include mechanisms for subordination, overcollateralization, and excess spread, while a Pre-Funding Interest Account ensures timely interest disbursements during the early phases of the transaction. Goldman Sachs and Barclays were engaged as joint bookrunners for this noteworthy deal, with Resolute undertaking third-party due diligence and FCI Lender Services, Inc. acting as the servicer.

The completion of this securitization further marks a record-setting period for Archwest, surpassing $1 billion in cumulative loan originations in early 2025 and poised to exceed $2 billion by the close of the year. Since its inception, Archwest has originated over $1.5 billion in loans across 44 states, catering to various projects including fix-and-flip, ground-up construction, DSCR, bridge loans, and rental portfolios. The firm's ambitious growth trajectory received a notable boost in 2024 from a significant investment from Bain Capital, aimed at enhancing its innovative offerings and bolstering its value proposition to both borrowers and broker partners.

Kieran Brady, CFO of Archwest, remarked, "The successful closing of our initial rated securitization amid a year of record expansion serves as a crucial milestone for our firm. By diversifying our investor base and deepening our capital reserves, we're reinforcing our commitment to support professional builders, developers, and investors who are integral to advancing the nation's housing supply."

Archwest Capital is continually progressing in its capital markets capabilities, ensuring efficient liquidity access while upholding its core principles of disciplined underwriting, expert market knowledge, and exceptional client service. This debut securitization encapsulates Archwest's commitment to growth while delivering essential support to real estate investors nationwide.

For additional details, visit www.archwestcapital.com.

Media Contact:
Tuan Pham
Archwest Capital
Email: [email protected]
Phone: 714-206-2585