Corporate Information


ARUHI is the largest mortgage Bank*1 in Japan.
Entering a second stage, ARUHI deploys three core business which are housing loans, real estate,
and consumer services, striving for creating synergies among these businesses
as we are evolving from a mortgage loan company into a one-stop homebuying service company.

Housing loan

Housing loan business

Leveraging our strengths and knowhow as a specialist mortgage company, we recommend the best properties and mortgage loans for each customer.
ARUHI's share of Flat 35 all-time fixed-rate mortgage loans among financial institutions in Japan reaches more than 27%, giving us the No.1 spot for the twelveth consecutive year.*2 ARUHI also offers a broad range of products including "ARUHI Super Flat" delivering lower interest rates than ARUHI Flat 35 depending on down payments*3, bank agency products, and insurances.

Real estate

Real estate business

ARUHI supports customers who want to buy a new home at various life stages from the first step to homebuying, helping them find the most livable town, look for a new home, and create a financial plan.

Real estate

Consumer services

Consumer services offers perks for ARUHI mortgage loan customers to support their home purchase and daily life in their new home such as moving and car leasing.

  • *1 Total loan execution volume and amount as of August 2020 according to JMA Research Institute's study
  • *2 FY2010 - 2021 statistics on “Flat 35” execution volume including refinances at all financial institutions (ARUHI's study as of end of March 2022)
  • *3 Compared with ARUHI Flat 35 (loan period: 21 - 35 years)


Jun. 2000
Sep. 2006
Set up Japan's first full-scale mortgage loan agency system by partnering with a life insurance agency (First in Japan)
Sep. 2008
Became Japan's first mortgage loan provider obtaining a license to provide bank agency service (First in Japan)
Apr. 2012
Became first Japanese company to list on the Korea Exchange (KOSPI) (First in Japan)(Delisted when becoming a part of Carlyle group in February 2015)
May. 2015
Renamed ARUHI Corporation
Jul. 2015
Launched ARUHI Living Service to offer perks and partner services and products
Oct. 2016
Started offering “ARUHI Super Flat”
Nov. 2016
Started offering Sony Bank's floating rate products
Jan. 2017
Became first in Japan to leverage RPA to drastically reduced required fields on ARUHI's home loan application form (First in Japan)
Dec. 2017
Started offering “Quick Pre-screening Before Home Search”, a simple pre-screening tool for mortgage loans available before starting to look for properties
Dec. 2017
Started "ARUHI presents Most Livable Cities Awards"
Dec. 2017
Listed on First Section of Tokyo Stock Exchange
Jul. 2018
Launched “ARUHI Floating S”
Jan. 2019
Automated mortgage application process with RPA; Started business process outsourcing service in May 2019
Mar. 2019
Established ARUHI RPA Solutions
Nov. 2019
Established ARUHI Real Estate Technologies
Jan. 2020
Started offering au Jibun Bank's floating rate products
Jan. 2020
Issued Japan's first green residential mortgage-backed securities (Green RMBS) (First in Japan)
Apr. 2020
Started offering “ARUHI all illness protection insurance (with lump-sum hospitalization benefit)” that can be added to ARUHI's mortgage loans
Feb. 2021
Entered business partnership with Hokuto Bank under which the bank refers prospective mortgage loan customers to ARUHI
Apr. 2021
Established ARUHI Homebuying Concierge
Nov. 2021
Started offering "TownU", web service of proposing “Most livable communities” based on each customer’s values and lifestyle
Apr. 2022
Transition to the Prime Market of the Tokyo Stock Exchange