Arcstone Financial Inc Mortgage Lending & HMDA Data, 2025
In 2025, Arcstone Financial Inc of Los Angeles, CA reported 843 mortgage applications totaling $495.9 million. The average application was for $588,214, and applicants reported an average income of $277,000. 40% of its applications resulted in an originated loan and 1% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (377), Riverside-San Bernardino-Ontario, CA (58) and Oxnard-Thousand Oaks-Ventura, CA (33) (applications in parentheses).
| Mortgage Company & Address | Arcstone Financial Inc 1917 Hillhurst Avenue Suite 205 Los Angeles, CA 90027 |
| Federal Regulator | * available with data download |
| Years | 2025 |
| Total Number of Mortgage Applications | 843 |
| Total Mortgage Loan Application Amount | $495,865,000 |
| Average Mortgage Loan Application Amount | $588,214 |
| Highest Mortgage Loan Application Amount | $6,005,000 |
| Average Applicant Income | $277,000 |
| Highest Applicant Income | $5,652,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Arcstone Financial Inc filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Los Angeles, California | 377 | $ 272,825,000 | $ 723,673 | $ 289,000 |
| Riverside, California | 34 | $ 14,560,000 | $ 428,235 | $ 936,000 |
| Ventura, California | 33 | $ 26,085,000 | $ 790,454 | $ 85,000 |
| San Bernardino, California | 24 | $ 10,370,000 | $ 432,083 | $ 5,652,000 |
| Orange, California | 22 | $ 19,770,000 | $ 898,636 | $ 0 |
| San Diego, California | 18 | $ 14,680,000 | $ 815,555 | $ 432,000 |
| Kern, California | 16 | $ 5,520,000 | $ 345,000 | $ 0 |
| Montgomery, Texas | 14 | $ 3,990,000 | $ 285,000 | $ 0 |
| Harris, Texas | 8 | $ 2,240,000 | $ 280,000 | $ 0 |
| Miami-Dade, Florida | 5 | $ 12,855,000 | $ 2,571,000 | $ 0 |
| Maricopa, Arizona | 4 | $ 2,890,000 | $ 722,500 | $ 0 |
| Nevada, California | 4 | $ 2,040,000 | $ 510,000 | $ 0 |
| Sacramento, California | 4 | $ 1,260,000 | $ 315,000 | $ 0 |
| Santa Barbara, California | 4 | $ 1,190,000 | $ 297,500 | $ 0 |
| Mecklenburg, North Carolina | 4 | $ 1,660,000 | $ 415,000 | $ 0 |
| Bexar, Texas | 4 | $ 1,270,000 | $ 317,500 | $ 0 |
| Travis, Texas | 4 | $ 8,100,000 | $ 2,025,000 | $ 0 |
| San Joaquin, California | 3 | $ 1,525,000 | $ 508,333 | $ 0 |
| Santa Clara, California | 3 | $ 1,675,000 | $ 558,333 | $ 0 |
| Tulare, California | 3 | $ 1,075,000 | $ 358,333 | $ 0 |
| Cook, Illinois | 3 | $ 465,000 | $ 155,000 | $ 0 |
| Charleston, South Carolina | 3 | $ 1,575,000 | $ 525,000 | $ 0 |
| Tarrant, Texas | 3 | $ 945,000 | $ 315,000 | $ 0 |
| Geneva, Alabama | 2 | $ 260,000 | $ 130,000 | $ 0 |
| Placer, California | 2 | $ 110,000 | $ 55,000 | $ 0 |
| Douglas, Colorado | 2 | $ 860,000 | $ 430,000 | $ 0 |
| South Central Connecticut Planning Region, Connecticut | 2 | $ 810,000 | $ 405,000 | $ 0 |
| Hillsborough, Florida | 2 | $ 3,910,000 | $ 1,955,000 | $ 0 |
| Chatham, Georgia | 2 | $ 530,000 | $ 265,000 | $ 0 |
| Barnstable, Massachusetts | 2 | $ 760,000 | $ 380,000 | $ 0 |
| Columbiana, Ohio | 2 | $ 10,000 | $ 5,000 | $ 0 |
| Maury, Tennessee | 2 | $ 660,000 | $ 330,000 | $ 0 |
| Comal, Texas | 2 | $ 1,020,000 | $ 510,000 | $ 0 |
| Guadalupe, Texas | 2 | $ 540,000 | $ 270,000 | $ 0 |
| Nueces, Texas | 2 | $ 1,440,000 | $ 720,000 | $ 0 |
| Williamson, Texas | 2 | $ 1,180,000 | $ 590,000 | $ 0 |
| Jefferson, Alabama | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Pinal, Arizona | 1 | $ 605,000 | $ 605,000 | $ 3,255,000 |
| El Dorado, California | 1 | $ 5,000 | $ 5,000 | $ 0 |
| Marin, California | 1 | $ 4,325,000 | $ 4,325,000 | $ 0 |
| Mono, California | 1 | $ 5,000 | $ 5,000 | $ 0 |
| Napa, California | 1 | $ 805,000 | $ 805,000 | $ 0 |
| San Francisco, California | 1 | $ 555,000 | $ 555,000 | $ 0 |
| Santa Cruz, California | 1 | $ 1,025,000 | $ 1,025,000 | $ 0 |
| El Paso, Colorado | 1 | $ 415,000 | $ 415,000 | $ 0 |
| Elbert, Colorado | 1 | $ 2,305,000 | $ 2,305,000 | $ 0 |
| Jefferson, Colorado | 1 | $ 5,000 | $ 5,000 | $ 68,000 |
| Routt, Colorado | 1 | $ 1,835,000 | $ 1,835,000 | $ 0 |
| Western Connecticut Planning Region, Connecticut | 1 | $ 275,000 | $ 275,000 | $ 0 |
| Collier, Florida | 1 | $ 2,505,000 | $ 2,505,000 | $ 0 |
| Marion, Florida | 1 | $ 5,000 | $ 5,000 | $ 0 |
| Okaloosa, Florida | 1 | $ 5,000 | $ 5,000 | $ 0 |
| Palm Beach, Florida | 1 | $ 285,000 | $ 285,000 | $ 0 |
| Baldwin, Georgia | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Cobb, Georgia | 1 | $ 5,000 | $ 5,000 | $ 0 |
| Fulton, Georgia | 1 | $ 255,000 | $ 255,000 | $ 0 |
| Gwinnett, Georgia | 1 | $ 405,000 | $ 405,000 | $ 0 |
| Lanier, Georgia | 1 | $ 435,000 | $ 435,000 | $ 0 |
| Will, Illinois | 1 | $ 5,000 | $ 5,000 | $ 7,000 |
| Lake, Indiana | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Wayne, Michigan | 1 | $ 255,000 | $ 255,000 | $ 0 |
| Stearns, Minnesota | 1 | $ 5,000 | $ 5,000 | $ 0 |
| Mercer, New Jersey | 1 | $ 405,000 | $ 405,000 | $ 0 |
| Bernalillo, New Mexico | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Albany, New York | 1 | $ 5,000 | $ 5,000 | $ 0 |
| Forsyth, North Carolina | 1 | $ 5,000 | $ 5,000 | $ 0 |
| Iredell, North Carolina | 1 | $ 3,005,000 | $ 3,005,000 | $ 0 |
| Rutherford, North Carolina | 1 | $ 155,000 | $ 155,000 | $ 120,000 |
| Tulsa, Oklahoma | 1 | $ 305,000 | $ 305,000 | $ 0 |
| Northampton, Pennsylvania | 1 | $ 5,000 | $ 5,000 | $ 0 |
| Horry, South Carolina | 1 | $ 2,175,000 | $ 2,175,000 | $ 0 |
| Pickens, South Carolina | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Cannon, Tennessee | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Giles, Tennessee | 1 | $ 305,000 | $ 305,000 | $ 0 |
| Greene, Tennessee | 1 | $ 5,000 | $ 5,000 | $ 0 |
| Rutherford, Tennessee | 1 | $ 5,000 | $ 5,000 | $ 0 |
| Atascosa, Texas | 1 | $ 5,000 | $ 5,000 | $ 0 |
| Brazos, Texas | 1 | $ 245,000 | $ 245,000 | $ 0 |
| Brown, Texas | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Collin, Texas | 1 | $ 5,000 | $ 5,000 | $ 0 |
| Colorado, Texas | 1 | $ 265,000 | $ 265,000 | $ 0 |
| Dallas, Texas | 1 | $ 5,000 | $ 5,000 | $ 0 |
| Denton, Texas | 1 | $ 345,000 | $ 345,000 | $ 0 |
| Galveston, Texas | 1 | $ 605,000 | $ 605,000 | $ 0 |
| Henderson, Texas | 1 | $ 1,495,000 | $ 1,495,000 | $ 0 |
| Hill, Texas | 1 | $ 5,000 | $ 5,000 | $ 0 |
| Hunt, Texas | 1 | $ 325,000 | $ 325,000 | $ 0 |
| Kendall, Texas | 1 | $ 345,000 | $ 345,000 | $ 0 |
| Walker, Texas | 1 | $ 235,000 | $ 235,000 | $ 0 |
| Marion, West Virginia | 1 | $ 145,000 | $ 145,000 | $ 0 |
Mortgage Loan Application Detail Totals for Arcstone Financial Inc in 2025
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 602 | $301,320,000 | $500,000 | $6,005,000 | $277,000 | $5,652,000 |
| Refinancing | 225 | $179,845,000 | $799,000 | $6,005,000 | $0 | $0 |
| Home Improvement | 15 | $14,035,000 | $935,000 | $3,485,000 | $0 | $0 |
| Cash-out Refinancing | 1 | $665,000 | $665,000 | $665,000 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 411 | $305,805,000 | $744,000 | $6,005,000 | $80,000 | $432,000 |
| Not Provided | 204 | $90,620,000 | $444,000 | $5,805,000 | $140,000 | $3,255,000 |
| Hispanic | 128 | $56,920,000 | $444,000 | $4,485,000 | $816,000 | $1,512,000 |
| Asian | 55 | $24,055,000 | $437,000 | $6,005,000 | $1,069,000 | $5,652,000 |
| Black or African American | 36 | $16,310,000 | $453,000 | $2,525,000 | $0 | $0 |
| Not applicable | 7 | $1,225,000 | $175,000 | $435,000 | $0 | $0 |
| American Indian or Alaskan Native | 1 | $725,000 | $725,000 | $725,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 1 | $205,000 | $205,000 | $205,000 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 719 | $446,225,000 | $620,000 | $6,005,000 | $299,000 | $5,652,000 |
| FHA-insured (Federal Housing Administration) | 109 | $43,345,000 | $397,000 | $1,225,000 | $28,000 | $113,000 |
| VA-guaranteed (Veterans Administration) | 15 | $6,295,000 | $419,000 | $1,005,000 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 336 | $242,350,000 | $721,000 | $3,985,000 | $0 | $0 |
| Application Withdrawn By Applicant | 287 | $152,835,000 | $532,000 | $6,005,000 | $100,000 | $1,512,000 |
| File Closed For Incompleteness | 199 | $80,945,000 | $406,000 | $6,005,000 | $408,000 | $5,652,000 |
| Application Denied By Financial Institution | 12 | $9,160,000 | $763,000 | $2,305,000 | $0 | $0 |
| Application Approved But Not Accepted | 6 | $9,660,000 | $1,610,000 | $4,485,000 | $0 | $0 |
| Loan Purchased By The Institution | 3 | $915,000 | $305,000 | $905,000 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 831 | $486,705,000 | $585,000 | $6,005,000 | $277,000 | $5,652,000 |
| Debt-To-Income Ratio | 12 | $9,160,000 | $763,000 | $2,305,000 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Arcstone Financial Inc's 2025 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Arcstone Financial Inc's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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