Name of the lender

Arcstone Financial IncMortgage rates, total loan costs and denial rate, 2025

HMDA year2025

Years filed2025

Head office: Los Angeles, CA
Reporting agency: Department of Housing and Urban Development (HUD)
Legal Entity Identifier (LEI)

Figures by state (CSV)

Arcstone Financial Inc reported 840 mortgage applications in the HMDA data of 2025.

It originated 336 loans in 2025, for $242 million in total.

The median interest rate of its loans in 2025 was 6.750%, and the national median was 6.375%.

The median total loan costs of its loans in 2025 were $8,757, and the national median was $6,413.

It denied 3.4% of the applications that it decided in 2025, and the national denial rate was 22.6%.

Filed figures of Arcstone Financial Inc, 2025
Figure	This lender	United States
Applications	840Under 0.1% of the US total	11,766,671
Loans originated	336$242 million	6,827,891
Median interest rate	6.750%	6.375%
Median total loan costs	$8,757	$6,413
Denial rate	3.4%	22.6%

HMDA data are generally not used alone to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions.
The words of the Consumer Financial Protection Bureau (CFPB). Source: Consumer Financial Protection Bureau, Summary of 2023 Data on Mortgage Lending (11 July 2024), copied on 2 Oct 2026. The figures on this page are from the HMDA data of 2025, the snapshot dataset.

Since the last update

No change on record

No tracked figure of this lender has changed since this site started its record. The record compares each update of the HMDA data with the update before it. The record of updates.

PricingMedians of 2025 loans

Interest rate and total loan costs of Arcstone Financial Inc by loan type, 2025Medians. Each value has the national median of the same loan type under it.
Loan type	Loans in the medians	Interest rate	Total loan costs	Rate spread, points
All loans	271	6.750%US 6.375%	$8,757US $6,413	0.489US 0.161
Conventional	223	6.875%US 6.500%	$8,280US $5,393	0.605US 0.175
FHA-insured	43	6.125%US 6.250%	$16,843US $11,084	0.250US 0.432

Interest rate and total loan costs of Arcstone Financial Inc by loan purpose, 2025Medians, with the national median under each value.
Loan purpose	Loans in the medians	Interest rate	Total loan costs	Rate spread, points
Home purchase	170	6.750%US 6.500%	$9,710US $6,632	0.497US 0.169
Refinancing	92	6.875%US 5.999%	$6,458US $4,883	0.472US −0.069

Parts of the total loan costs of Arcstone Financial Inc by loan type, 2025Medians, with the national median under each value.
Loan type	Origination charges	Discount points, of the loans with points	Lender credits, of the loans with credits
All loans	$1,740US $2,062	$7,076US $2,823	$3,146US $567
Conventional	$1,740US $1,981	$7,318US $2,588	$2,800US $604
FHA-insured	$1,740US $2,831	$6,791US $3,270	n/aUS $567

The median rate spread of these loans was 0.489 percentage points above the average prime offer rate (APOR). On a loan of $300,000, that is about $1,467 more a year, or $122 more a month. The national median spread was 0.161 points.

The dollar amount is a simple interest approximation: the rate spread times the full loan amount for one year. The balance of a loan decreases with each payment, and an APR includes some fees, so the amount for a real loan is different. What a rate spread is.

Median interest rate by year: Arcstone Financial Inc and the United States

Arcstone Financial IncUnited States

Action takenHMDA codes and labels

Records of Arcstone Financial Inc by the action taken, 2025
Action taken	Records	Share of records	US share
1Loan originated	336	39.9%	50.4%
2Application approved but not accepted	6	0.7%	3.1%
3Application denied	12	1.4%	15.6%
4Application withdrawn by applicant	287	34.0%	12.6%
5File closed for incompleteness	199	23.6%	5.1%
6Purchased loan	3	0.4%	11.7%
7Preapproval request denied	0	0.0%	0.4%
8Preapproval request approved but not accepted	0	0.0%	1.1%

The denial rate is code 3 divided by codes 1, 2 and 3: the applications that the lender decided. Codes 4 and 5 are applications with no decision. Code 6 is a loan that the lender bought.

Denial reasonsFirst reason coded

The lender has fewer than 25 denials in 2025, so this page shows no reasons.

Loan types and purposesLoans of 2025

Applications of Arcstone Financial Inc by loan type
Loan type	Applications	Loans originated	Denial rate
Conventional	717	288	3.0%US 23.4%
FHA-insured	108	43	6.4%US 21.8%
VA-guaranteed	15	5	n/aUS 16.2%

Applications of Arcstone Financial Inc by loan purpose
Loan purpose	Applications	Loans originated	Share of loans
Home purchase	599	176	52.4%
Home improvement	15	11	3.3%
Refinancing	225	148	44.0%
Cash-out refinancing	1	1	0.3%
Other purpose	0	0	0.0%

The denial rate of a loan type is the denied applications divided by the decided applications of that type. It is "n/a" under 25 decided applications.

States where it lends2 states with 25 applications or more

Arcstone Financial Inc by state, 2025In order of the names. A state with 100 applications or more links to the lender's page for the state.
State	Applications	Loans originated	Median interest rate	Median total loan costs	Denial rate
California	552	300	6.875%	$8,848	1.9%
Texas	54	22	6.125%	$9,101	12.0%

Counties of Arcstone Financial Inc with 50 applications or more, 2025In order of the names. The list has the 1 counties with the most loans of the lender.
County	Applications	Loans originated	Amount	Denial rate
Los Angeles County, CA	376	209	$162 million	0.9%

Figures by yearHMDA 2022 to 2025

Arcstone Financial Inc by HMDA year"n/a" shows a year with fewer than 25 applications, or a year that this site does not process.
Year	Applications	Loans originated	Median interest rate	Median total loan costs	Denial rate	Records filed
2025	840	336	6.750%	$8,757	3.4%	843
2024	n/a	n/a	n/a	n/a	n/a	n/a
2023	n/a	n/a	n/a	n/a	n/a	n/a
2022	n/a	n/a	n/a	n/a	n/a	n/a

Records filed is the count on the lender's HMDA transmittal sheet. It includes purchased loans and requests for preapproval.

Denial rate by year: Arcstone Financial Inc and the United States

Arcstone Financial IncUnited States

VA lender statisticsLoans that VA guaranteed, by month

VA-guaranteed loans of ARCSTONE FINANCIAL INC, Sep 2025 to Aug 2026National figures from the Department of Veterans Affairs. VA counts a loan in the month of the guarantee.
Month	All	Purchase	Cash-out refinance
August 2026	1	1	0
July 2026	1	0	1
June 2026	1	1	0
May 2026	0	0	0
April 2026	0	0	0
March 2026	0	0	0
February 2026	3	3	0
January 2026	0	0	0
December 2025	0	0	0
November 2025	0	0	0
October 2025	0	0	0
September 2025	0	0	0

IRRRL is the VA Interest Rate Reduction Refinance Loan. The VA name of the lender is "ARCSTONE FINANCIAL INC". Every month.

Peer lenders12 lenders

These lenders originated a count of loans close to the count of this lender, in the same states. The site compares the applications of each lender by state. The list is not a ranking.

CTBC Bank USALos Angeles, CA
Data Mortgage, IncOcala, FL
Flyhomes Mortgage LLCBellevue, WA
Foothill Federal Credit UnionArcadia, CA
Mypoint Credit UnionSan Diego, CA
Noble Federal Credit UnionFresno, CA
Oceanair Federal Credit UnionOxnard, CA
Premier America Credit UnionChatsworth, CA
ResMac IncWest Covina, CA
Safe 1 Credit UnionBakersfield, CA
Self Help Federal Credit UnionDurham, NC
The First Financial Federal Credit UnionPasadena, CA

Official channelsLinks checked 2 Oct 2026

HMDA Data Browser (FFIEC and CFPB)The HMDA records of this lender, with a CSV download.
Submit a complaint (Consumer Financial Protection Bureau)The CFPB form for a complaint about a mortgage or a lender.

Cite this page

Page: Lender Register, "Arcstone Financial Inc mortgage rates and denial rate, 2025", https://lenderregister.com/lender/549300mpzdd9efq1e963-arcstone-financial-inc/
Lender: Arcstone Financial Inc, LEI 549300MPZDD9EFQ1E963
Source: Federal Financial Institutions Examination Council and Consumer Financial Protection Bureau, Home Mortgage Disclosure Act data, 2025, snapshot dataset
Data date: HMDA year 2025. Page made 2 Oct 2026.

Provenance

The figures come from the public HMDA loan/application register of 2022 to 2025. The count of records filed comes from the transmittal sheets of 2025 to 2025. The FFIEC and the CFPB publish them at ffiec.cfpb.gov. The name, the head office and the agency are from the newest transmittal sheet of the LEI. The VA figures are from the VA lender statistics.

This site withholds a figure with fewer than 25 applications and a median with fewer than 20 loans. Method of the figures. Terms. Report an error.

Questions

How many loans did Arcstone Financial Inc buy from other lenders in 2025?: It reported 3 purchased loans. HMDA counts a purchased loan apart from the applications, so the denial rate does not include it.
In which states did Arcstone Financial Inc originate the most loans in 2025?: The three states with the most loans were California (300) and Texas (22). It had 25 applications or more in 2 states.
Which loan types did Arcstone Financial Inc originate in 2025?: 288 conventional, 43 FHA and 5 VA.
How many records did Arcstone Financial Inc file for 2025?: Its transmittal sheet counts 843 records. The count includes purchased loans and requests for preapproval, so it is not the count of applications.