Applications / Mortgage Analytics / Lenders / California / Arcstone Financial
Los Angeles, CA · Non-bank lender · CFPB · 336 loans in 2025
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336
loans originated, 2025
840
applications, 2025
8
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Arcstone Financial, a Los Angeles lender that first reported in 2025, makes bigger loans than more than nine in ten similar lenders.
Arcstone made 336 loans in its first reported year, more than the typical similar lender (non-bank lenders making between half and twice as many loans). Its typical loan was $590,000, against $345,000 at those peers, and 14.5% of its loans were jumbo (larger than the conforming limit), against 1.0%. That put $242.3 million through its books, more than twice the peer figure.
Conventional loans made up 85.7% of its lending, more than the 74.0% at similar lenders. Loans insured by the Federal Housing Administration (FHA) were 12.8%, a little below peers. Purchases were 52.4% of its loans and refinancing 44.3%.
California is its main state. Its largest share is in Oxnard-Thousand Oaks-Ventura, where it ranked 76 of 422 lenders with 0.3%. In 2025 it also lent in Miami-Fort Lauderdale-West Palm Beach, Houston-Pasadena-The Woodlands and non-metro Texas, eight states in all.
Some 50.9% of its loans were in majority-minority neighborhoods, against 31.0% at similar lenders, more than at about seven in ten of them. Its share in low- and moderate-income neighborhoods, 18.7%, was near the middle of its peers. The metros it serves, led by Los Angeles-Long Beach-Anaheim and Riverside-San Bernardino-Ontario, may explain the first figure.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2025–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. Arcstone Financial took 840 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 52.4% · Refinance 44.3% · Home improvement 3.3%
Conventional 85.7% · FHA 12.8% · VA 1.5% · of 336 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| California | 300 | 89.3% |
| Texas | 22 | 6.5% |
| North Carolina | 4 | 1.2% |
| Florida | 2 | 0.6% |
| Massachusetts | 2 | 0.6% |
| Tennessee | 2 | 0.6% |
| Colorado | 1 | 0.3% |
| Connecticut | 1 | 0.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Los Angeles-Long Beach-Glendale | 209 |
| Riverside-San Bernardino-Ontario | 34 |
| Oxnard-Thousand Oaks-Ventura | 21 |
| Anaheim-Santa Ana-Irvine | 12 |
| San Diego-Chula Vista-Carlsbad | 9 |
| Houston-Pasadena-The Woodlands | 8 |
| Bakersfield-Delano | 7 |
| Charlotte-Concord-Gastonia | 4 |
| San Antonio-New Braunfels | 4 |
| Austin-Round Rock-San Marcos | 3 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300MPZDD9EFQ1E963 | 2025–2025 |
Established 16 September 2004. Reported under HMDA in 2025.
Mergers, name changes, data editions and corrections: Arcstone Financial's data.
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