Kristen Croxton

Kristen formed Arcus Harbor with her partners to provide clients with the best financing solutions available in the market. She has almost three decades’ experience originating loans across all commercial real estate asset classes nationwide with 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, debt fund 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 has been the co-chair of CREW Network’s Multifamily Council for the past three years and previously 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.

Awards & Affiliations:

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• 2024 GlobeSt.com Rainmakers in CRE Debt, Equity & Finance

• 2023 Connect CRE Top Mortgage Brokers & Lenders

• 2020 Connect CRE's Women in Real Estate Award

• 2019 Real Estate Forum and GlobeSt.com - Women of Influence Award

• 2018 Rainmaker Award – Fannie Mae

• 2017 Real Estate Forum’s Rainmakers

• 2016, 2017, 2018 & 2020 Top Direct Producer – Capital One Multifamily Finance

• 2016 Real Estate Forum’s Women of Influence

• 2015 Distinguished Achievement Award – Best Financial Structure

• 2013 CREW OC SPIRE Award - Superior Performance in Lending

• 2012 Real Estate Forum’s Women of Influence

• Commercial Real Estate Women (CREW) – Member

• Mortgage Bankers Association (MBA) – Member