What Arcstone Financial does

Arcstone Financial Inc. is a privately held, direct mortgage lender founded in 2000 and headquartered in Los Angeles, California. Operating as a non-depository, full-stack lender, the company originates and funds residential mortgages in-house across processing, underwriting, closing, and funding functions, holding licenses in 26 states with branch offices in California, Arizona, and Texas. The portfolio spans 110+ products, including agency-conforming fixed and adjustable-rate loans, FHA, VA, jumbo, interest-only, reverse, bridge, and second-mortgage products, plus a commercial and small-business lending division with commercial loans up to $100 million and SBA programs.

The company's go-to-market is hybrid: direct loan officers and branch distribution for retail consumers, supplemented by a TPO broker portal (amp.mortgage) and a Branch Opportunity white-label program for partner originators. Its principal niche is the self-employed and complex-income borrower, served through the AMP (Accessible Mortgage Programs) suite of non-QM products — bank statement, P&L, asset depletion, cashflow, DSCR, ITIN, and 1099 loans. The technology stack is built on Encompass by ICE for loan origination, Surefire for CRM, and a proprietary AI-powered Point of Sale system called PAXI that automates dynamic loan applications, needs-list creation, and multi-channel stakeholder communications.

Arcstone generates revenue primarily through mortgage origination fees and the spread between origination and subsequent loan sale or portfolio retention, with secondary revenue from commercial and business loan originations. Pricing is transaction-based and individualized to borrower profile, loan type, and market conditions; no public rate sheet is disclosed. The company is founder-led by President and co-founder Mardi Kari and remains privately held with no disclosed institutional investors, funding rounds, or M&A activity.

Name

Arcstone Financial

Legal name

Arcstone Financial Inc.

Website

https://arcstoneinc.com

Company type

Private

Founded year

2000

Operating status

Operating

Headcount range

11–50 employees

Short description

Arcstone Financial is a private, direct mortgage lender offering 110+ residential, commercial, and non-QM products across 26 states, with branch offices in CA, AZ, and TX, a TPO broker portal, and a proprietary AI-powered POS system serving primarily self-employed and complex-income borrowers.

Ownership category

akta.pro rank

Product category

Residential Mortgage Lending

NAICS

Real Estate Credit (522292)

SIC

Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Balance-Sheet / Portfolio CRE Lending (FSALADAG)

akta.pro secondary industry

Real Estate Private Credit (CRE Debt) (FSANADAG)

Keywords

• Residential mortgage lending
• Non-QM mortgage programs
• Commercial lending services
• Home loan origination
• Mortgage refinancing

Headquarters

HQ city

Los Angeles

HQ country

United States

HQ region

North America

Offices4 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Mortgage Origination: As a direct lender, Arcstone Financial originates mortgage loans, collecting origination fees and generating revenue from the spread between origination and sale or portfolio holding. The company handles the entire loan process in-house including processing, underwriting, closings, and funding.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels6 records

Core offering

Arcstone Financial is a direct mortgage lender that originates and funds home loans, commercial loans, and business loans entirely in-house, including processing, underwriting, closings, and funding. The company offers more than 110 distinct mortgage products and programs spanning conventional fixed-rate, adjustable-rate, FHA, VA, interest-only, jumbo, reverse, bridge, and second mortgage loans; commercial real estate and multi-family loans; small business term loans, lines of credit, and SBA loans; and the AMP suite of non-QM products tailored to self-employed and ITIN borrowers. Its proprietary PAXI AI-powered Point of Sale system automates online applications, needs list creation, and multi-channel communications with borrowers and stakeholders.

Product overview

Arcstone Financial is a direct mortgage lender offering a comprehensive portfolio of 110+ mortgage products and programs. The company operates as a direct lender, handling the entire loan process in-house. The core product offerings span residential home loans (Fixed Rate, Adjustable Rate, FHA, VA, Interest Only, Jumbo, Reverse, Bridge, and Second Mortgages), commercial and business loans, and the proprietary AMP (Accessible Mortgage Programs) suite for self-employed borrowers. Supporting their lending operations is PAXI, a proprietary AI-powered Point of Sale system that automates the application process and stakeholder communications. The company also provides mortgage calculators including payment/ amortization, rent vs. own, debt consolidation, and refinance break-even tools.

Differentiator

Problem solved

Functional benefit

Brands

• AMP (Accessible Mortgage Programs): A suite of flexible mortgage options designed for self-employed borrowers including bank statement loans, profit and loss loans, asset depletion loans, cashflow loans, ITIN loans, and other non-QM products.
• PAXI
• Arcstone Financial Commercial

Products and services

• AMP (Accessible Mortgage Programs) A suite of flexible mortgage options designed for self-employed borrowers and those with non-traditional income documentation, including Bank Statement, P&L, Asset Depletion, Cashflow, ITIN, and 1099 loan programs.
• Fixed Rate Loans Conventional fixed-rate mortgages with rates locked for the life of the loan, available in 30-year and 15-year terms with down payments as low as 3%.
• Adjustable Rate Loans Adjustable-rate mortgages with initial fixed periods of 5, 7, or 10 years before rate adjustments, offering lower initial rates compared to fixed-rate options.
• FHA Loans Government-insured loans requiring down payments as low as 3.5% with minimum FICO scores starting at 580, designed for first-time homebuyers and those with limited credit history.
• VA Loans No-down-payment loans backed by the Department of Veterans Affairs for qualified veterans, service members, and surviving spouses with reduced credit and DTI requirements.
• Interest Only Loans Mortgages allowing borrowers to pay only interest for initial periods of 5 or 10 years, keeping monthly payments lower during the introductory period.
• Jumbo Loans Mortgages exceeding conventional loan limits ($832,750 to $10,000,000 for 2026) with requirements including 680+ FICO and DTI of 45% or less.
• Reverse Mortgage Home equity conversion loans allowing homeowners 62+ to convert equity into cash while retaining ownership, with no monthly payments required.
• Bridge Loans Short-term financing (12 months) enabling buyers to purchase a new home before selling their current residence, using existing equity as down payment with no monthly payments required.
• Second Mortgage Loans Home equity loans allowing homeowners to access equity without refinancing existing mortgages, with loan amounts up to $500,000 and combined liens up to $2M.
• HELOC (Home Equity Line of Credit) Lines of credit secured by home equity, including standalone HELOCs and 5-day HELOC products for rapid access to funds.
• Bank Statement Loans Alternative documentation loans using 12-24 months of bank statements to verify income for self-employed borrowers who don't file traditional tax returns.
• Profit and Loss (P&L) Loans Self-employed borrower loans qualified using business profit and loss statements rather than W-2s or tax returns.
• Asset Loans Loans that use borrower assets (investments, real estate, other holdings) for qualification rather than income documentation.
• Cashflow Loans Investment property loans using rental income to qualify, enabling investors to leverage cashflow for additional property acquisitions.
• ITIN Loans Mortgages for borrowers using Individual Taxpayer Identification Numbers instead of Social Security Numbers, including foreign nationals.
• DSCR Loans Debt Service Coverage Ratio loans for investment properties, qualifying based on property income rather than borrower personal income.
• 1099 Loans Loans for independent contractors and gig workers who receive 1099 income documentation, using 1099 statements for income verification.
• Commercial Loans Loans for commercial property acquisitions including multi-family (5+ units), investment properties, and owner-occupied commercial real estate with amounts from $50,000 to $100,000,000.
• Business Loans Business financing including term loans ($25,000-$1,000,000), lines of credit ($10,000-$5,000,000), equipment leasing, and SBA programs (7(a) and Express) for startups and expansion.
• Buy Before You Sell Program allowing homeowners to purchase a new home before selling their current residence, facilitating smoother transitions.

Quantifiable outcome

• Loans can close in as little as 10 days for commercial loans
• +1 more outcomes

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability4 records

Feature1 record

Partnerships

One partnership is on record.

• Mortgage Companies, Brokers, and BranchescoreChannel Partner/ Reseller/ DistributorArcstone Financial offers branch opportunities allowing mortgage companies, brokers, and branches to partner under the Arcstone brand. Partners gain access to 110+ mortgage products, proprietary PAXI technology, Encompass LOS, and support services including processing, underwriting, and funding.

Scale indicators3 records

Recent moves9 records

Expansion highlights6 records

Direct peers

• Plaza Home Mortgage: Plaza Home Mortgage is a mid-sized direct and wholesale residential lender with a similar multi-channel model (retail + TPO), a broad non-QM product menu, and California origins. Closely comparable in size, product breadth (100+ programs), and reliance on broker flow for volume.
• Angel Oak Mortgage Solutions: Angel Oak Mortgage Solutions is a non-QM specialty lender focused on bank statement, asset depletion, and alternative-income programs for self-employed borrowers — the same niche Arcstone's AMP suite targets. Both operate as wholesale-friendly platforms with a TPO/broker channel and similar product positioning.
• Newfi (formerly Newfi Wholesale): Newfi is a non-QM and alt-doc residential mortgage originator with strong TPO/wholesale distribution, focused on self-employed and non-traditional-income borrowers. Comparable business model to Arcstone's AMP-driven non-QM franchise, with similar balance-sheet funding and gain-on-sale economics.
• Paramount Residential Mortgage Group: Paramount Residential Mortgage Group (PRMG) is a mid-tier multi-channel mortgage lender with retail, wholesale, and correspondent channels, broad product menus, and multi-state licensing — comparable to Arcstone's operating footprint and channel mix, though typically larger in volume.
• Verus Mortgage Capital: Verus Mortgage Capital is a non-QM whole-loan purchaser and capital partner, and an active originator via its wholesale channel. It's comparable to Arcstone as a non-QM-focused lender/servicer for self-employed and alternative-income borrowers, intersecting directly in the same product space.
• HomeBridge Financial Services: HomeBridge is a mid-tier retail and wholesale mortgage lender with a broad product menu including non-QM programs, multi-state licensing, and broker portal distribution — closely comparable in scale, channel mix, and product breadth to Arcstone.

Broad incumbents

• Caliber Home Loans (NewRez): Caliber (now part of NewRez) is a much larger full-service mortgage originator with retail, wholesale, and correspondent channels, plus a portfolio of non-QM and specialty products overlapping with Arcstone's AMP suite. Functions as a broad incumbent in the same space.
• loanDepot: loanDepot is one of the largest non-bank US mortgage originators with retail, wholesale (LDWholesale), and direct-to-consumer channels. Overlaps broadly with Arcstone's direct lending and TPO broker model, and competes for the same broker flow.
• United Wholesale Mortgage (UWM): UWM is the largest US wholesale mortgage lender and a dominant TPO platform against which Arcstone's broker portal (amp.mortgage) competes for broker market share. Broad incumbent in the wholesale channel that defines the marketplace Arcstone operates in.

Emerging players

• Sprout Mortgage: Sprout Mortgage is a smaller, non-QM-focused wholesale lender with a product menu including bank statement, ITIN, and DSCR loans. Comparable to Arcstone's AMP program as a niche non-QM wholesaler competing for the same broker-driven self-employed origination volume.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• Instagraminstagram.com/arcstonefinancial
• Xx.com/ArcstoneF

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Arcstone Financial