Name of the lender

Arcstone Financial Inc in CaliforniaMortgage rates, total loan costs and denial rate for homes in California, 2025

HMDA year2025

StateCalifornia

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

All states of this lender

Arcstone Financial Inc reported 552 applications for homes in California in the HMDA data of 2025.

It originated 300 loans in the state in 2025, for $226 million in total.

The median interest rate of these loans in 2025 was 6.875%, and the median of all lenders in California was 6.375%.

The median total loan costs in 2025 were $8,848, and the state median was $8,053.

It denied 1.9% of the applications that it decided in the state in 2025, and the state denial rate was 22.4%.

Filed figures of Arcstone Financial Inc in California, 2025
Figure	In CA	Lender, all states	CA, all lenders
Applications	552	840	1,018,191
Loans originated	300	336	572,268
Median interest rate	6.875%	6.750%	6.375%
Median total loan costs	$8,848	$8,757	$8,053
Denial rate	1.9%	3.4%	22.4%

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.

PricingMedians of 2025 loans in CA

Pricing medians of Arcstone Financial Inc in California, 2025Each value has the median of all lenders in California under it.
Loans	Loans in the medians	Interest rate	Total loan costs	Origination charges	Discount points, of the loans with points	Lender credits, of the loans with credits	Rate spread, points
All loans in CA	236	6.875%CA 6.375%	$8,848CA $8,053	$1,740CA $2,357	$7,020CA $3,758	$3,385CA $1,535	0.497CA 0.082

Medians are for originated closed-end loans with a first lien. Reverse mortgages, open-end lines of credit and loans for a business purpose are not in the medians. A median needs 20 loans.

The median rate spread was 0.497 percentage points above the average prime offer rate. On a loan of $300,000, that is about $1,491 more a year, or $124 more a month.

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.

Action taken and loan types

Records in California by the action taken
Action taken	Records	Share
1Loan originated	300	54.2%
2Application approved but not accepted	5	0.9%
3Application denied	6	1.1%
4Application withdrawn by applicant	161	29.1%
5File closed for incompleteness	80	14.5%
6Purchased loan	1	0.2%
7Preapproval request denied	0	0.0%
8Preapproval request approved but not accepted	0	0.0%

Applications in California by loan type
Loan type	Applications	Loans originated	Denial rate
Conventional	490	268	1.4%
FHA-insured	54	28	6.5%
VA-guaranteed	8	4	n/a

Counties in California

Counties of Arcstone Financial Inc in California with 25 applications or more, 2025In order of the names.
County	Applications	Loans originated	Amount	Denial rate
Los Angeles County	376	209	$162 million	0.9%
Riverside County	34	19	$8.0 million	n/a
Ventura County	33	21	$19.1 million	n/a

Figures by year

Arcstone Financial Inc in California by HMDA year"n/a" shows a year with fewer than 25 applications in the state.
Year	Applications	Loans originated	Amount	Median interest rate	Median total loan costs	Denial rate
2025	552	300	$226 million	6.875%	$8,848	1.9%
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

Official channelsLinks checked 2 Oct 2026

HMDA Data Browser (FFIEC and CFPB)The HMDA records of this lender in this state, 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 in California: mortgage rates, 2025", https://lenderregister.com/lender/549300mpzdd9efq1e963-arcstone-financial-inc/ca/
Source: Federal Financial Institutions Examination Council and Consumer Financial Protection Bureau, Home Mortgage Disclosure Act data, 2025
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. They are the records of this LEI for homes in California. This site withholds a figure with fewer than 25 applications. Method of the figures. Terms. Report an error.

Questions

What share of the loans of Arcstone Financial Inc were in California in 2025?: 300 of its loans originated, out of 336 in all states. That is 89.3%.
In which counties of California did Arcstone Financial Inc originate the most loans in 2025?: The three with the most loans were Los Angeles County (209), Ventura County (21) and Riverside County (19).
Which loan types did Arcstone Financial Inc originate in California in 2025?: 268 conventional, 28 FHA and 4 VA.
What share of the applications in California did Arcstone Financial Inc report in 2025?: 0.1%: 552 out of 1,018,191 applications of all lenders in the state.