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Kristen Croxton is a principal at Arcus Harbor Real Estate Capital, which has an exclusive agreement under which Arcus refers all Fannie Mae, Freddie Mac, and FHA loans that Arcus originates to Lument for underwriting, processing, and closing. Kristen formed Arcus Harbor with her partners to focus on providing clients with the best financing solutions available in the market. She has almost three decades’ experience originating and managing acquisitions and refinancings across all commercial real estate asset classes nationwide with a particular emphasis on multifamily. Along with her partners, she has originated more than $20 billion in multifamily loans since 2005.
Prior to forming Arcus Harbor, Kristen was a senior vice president at Capital One Multifamily and its predecessor company, Beech Street Capital. With her partner, Greg Reed, she expanded the company’s presence in the western United States by opening its Newport Beach, California, office. Before that, she was a vice president of originations and a Freddie Mac product manager and senior underwriter for Deutsche Bank Berkshire Mortgage (DBBM). During her career, Kristen has originated Fannie Mae, Freddie Mac, FHA, CMBS, life company, bridge, and balance sheet executions and worked with a broad range of loan structures, including fixed and floating-rate debt, tax-exempt bonds, construction loans, rehab and lease-up structures, and credit facilities.
An active member of the commercial real estate community, Kristen has held numerous leadership positions with the Orange County chapter of Commercial Real Estate Women (CREW) and currently sits on its advisory board. In addition, she was the cochair of the CREW Network’s Multifamily Council for the past three years and has served on the Fannie Mae Originator Subcommittee and on the Freddie Mac Advisory Committee. She is also a member of the Audit Committee of Innovative Housing Opportunities, a nonprofit that provides high-quality affordable and low- to moderate-income housing and services. Kristen holds a Bachelor of Business Administration in finance from James Madison University.