American Finance House Lariba Mortgage Lending & HMDA Data, 2004

In 2004, American Finance House Lariba of Whittier, CA reported 652 mortgage applications totaling $115.9 million, about the same as 2003. The average application was for $177,806, and applicants reported an average income of $84,937. 68% of its applications resulted in an originated loan and 19% were denied. Its largest markets were Dallas-Plano-Irving, TX (69), Houston-Baytown-Sugar Land, TX (64) and Atlanta-Sandy Springs-Marietta, GA (37) (applications in parentheses).

Mortgage Company & Address American Finance House Lariba
15141 E Whittier Blvd, Suite 400
Whittier, CA 90603
Tel #: available with data download
Federal Regulator * available with data download
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Total Number of Mortgage Applications 652
Total Mortgage Loan Application Amount $115,930,000
Average Mortgage Loan Application Amount $177,806
Highest Mortgage Loan Application Amount $440,000
Average Applicant Income $84,937
Highest Applicant Income $1,200,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records American Finance House Lariba filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.

Mortgage Loan Application Totals for American Finance House Lariba by County in 2004

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Harris, Texas 41 $ 5,072,000 $ 123,707 $ 83,000
Collin, Texas 37 $ 5,657,000 $ 152,891 $ 87,000
Dallas, Texas 30 $ 5,955,000 $ 198,500 $ 108,000
Fort Bend, Texas 22 $ 3,324,000 $ 151,090 $ 74,000
King, Washington 17 $ 4,043,000 $ 237,823 $ 87,000
Gwinnett, Georgia 16 $ 2,795,000 $ 174,687 $ 95,000
Wayne, Michigan 15 $ 1,768,000 $ 117,866 $ 50,000
Middlesex, New Jersey 13 $ 3,390,000 $ 260,769 $ 89,000
DuPage, Illinois 12 $ 1,991,000 $ 165,916 $ 92,000
Tarrant, Texas 11 $ 1,708,000 $ 155,272 $ 81,000
Middlesex, Massachusetts 10 $ 2,744,000 $ 274,400 $ 75,000
St. Louis, Missouri 10 $ 2,141,000 $ 214,100 $ 108,000
Maricopa, Arizona 9 $ 2,050,000 $ 227,777 $ 80,000
Fairfield, Connecticut 9 $ 1,911,000 $ 212,333 $ 74,000
New Haven, Connecticut 9 $ 1,269,000 $ 141,000 $ 62,000
Essex, New Jersey 9 $ 1,469,000 $ 163,222 $ 75,000
Los Angeles, California 8 $ 1,685,000 $ 210,625 $ 284,000
Mercer, New Jersey 8 $ 1,346,000 $ 168,250 $ 72,000
Cobb, Georgia 7 $ 1,425,000 $ 203,571 $ 85,000
DeKalb, Georgia 7 $ 755,000 $ 107,857 $ 54,000
Prince George's, Maryland 7 $ 1,578,000 $ 225,428 $ 94,000
Suffolk, Massachusetts 7 $ 1,849,000 $ 264,142 $ 90,000
Worcester, Massachusetts 7 $ 1,703,000 $ 243,285 $ 101,000
Wake, North Carolina 7 $ 1,055,000 $ 150,714 $ 69,000
Davidson, Tennessee 7 $ 1,190,000 $ 170,000 $ 79,000
Orange, Florida 6 $ 867,000 $ 144,500 $ 67,000
Multnomah, Oregon 6 $ 1,326,000 $ 221,000 $ 71,000
Fulton, Georgia 5 $ 861,000 $ 172,200 $ 72,000
Norfolk, Massachusetts 5 $ 1,294,000 $ 258,800 $ 85,000
San Bernardino, California 4 $ 754,000 $ 188,500 $ 68,000
San Diego, California 4 $ 933,000 $ 233,250 $ 115,000
Santa Clara, California 4 $ 825,000 $ 206,250 $ 97,000
Cook, Illinois 4 $ 768,000 $ 192,000 $ 72,000
Baltimore City, Maryland 4 $ 229,000 $ 57,250 $ 39,000
Essex, Massachusetts 4 $ 884,000 $ 221,000 $ 83,000
Jackson, Missouri 4 $ 489,000 $ 122,250 $ 45,000
Clark, Nevada 4 $ 512,000 $ 128,000 $ 116,000
Bergen, New Jersey 4 $ 1,296,000 $ 324,000 $ 88,000
Hudson, New Jersey 4 $ 1,055,000 $ 263,750 $ 103,000
Somerset, New Jersey 4 $ 730,000 $ 182,500 $ 74,000
Franklin, Ohio 4 $ 589,000 $ 147,250 $ 96,000
Washington, Oregon 4 $ 924,000 $ 231,000 $ 88,000
Shelby, Tennessee 4 $ 774,000 $ 193,500 $ 98,000
San Saba, Texas 4 $ 299,000 $ 74,750 $ 48,000
Fairfax, Virginia 4 $ 758,000 $ 189,500 $ 62,000
Pulaski, Arkansas 3 $ 564,000 $ 188,000 $ 72,000
Scott, Iowa 3 $ 534,000 $ 178,000 $ 73,000
Johnson, Kansas 3 $ 754,000 $ 251,333 $ 57,000
Fayette, Kentucky 3 $ 738,000 $ 246,000 $ 272,000
Baltimore, Maryland 3 $ 379,000 $ 126,333 $ 44,000
Montgomery, Maryland 3 $ 587,000 $ 195,666 $ 65,000
Anoka, Minnesota 3 $ 571,000 $ 190,333 $ 82,000
Hennepin, Minnesota 3 $ 573,000 $ 191,000 $ 70,000
Camden, New Jersey 3 $ 433,000 $ 144,333 $ 43,000
Monmouth, New Jersey 3 $ 948,000 $ 316,000 $ 105,000
Cabarrus, North Carolina 3 $ 646,000 $ 215,333 $ 83,000
Durham, North Carolina 3 $ 582,000 $ 194,000 $ 67,000
Greenville, South Carolina 3 $ 453,000 $ 151,000 $ 51,000
Travis, Texas 3 $ 792,000 $ 264,000 $ 104,000
Williamson, Texas 3 $ 435,000 $ 145,000 $ 44,000
Milwaukee, Wisconsin 3 $ 550,000 $ 183,333 $ 69,000
Mobile, Alabama 2 $ 233,000 $ 116,500 $ 90,000
Jefferson, Arkansas 2 $ 83,000 $ 41,500 $ 81,000
Orange, California 2 $ 574,000 $ 287,000 $ 141,000
Solano, California 2 $ 365,000 $ 182,500 $ 91,000
Arapahoe, Colorado 2 $ 383,000 $ 191,500 $ 71,000
Hartford, Connecticut 2 $ 250,000 $ 125,000 $ 37,000
Broward, Florida 2 $ 474,000 $ 237,000 $ 94,000
Duval, Florida 2 $ 460,000 $ 230,000 $ 134,000
Miami-Dade, Florida 2 $ 301,000 $ 150,500 $ 63,000
Columbia, Georgia 2 $ 212,000 $ 106,000 $ 55,000
Douglas, Georgia 2 $ 288,000 $ 144,000 $ 63,000
Will, Illinois 2 $ 308,000 $ 154,000 $ 99,000
Hamilton, Indiana 2 $ 404,000 $ 202,000 $ 75,000
Jefferson, Kentucky 2 $ 212,000 $ 106,000 $ 50,000
Barnstable, Massachusetts 2 $ 570,000 $ 285,000 $ 97,000
Bristol, Massachusetts 2 $ 490,000 $ 245,000 $ 94,000
Genesee, Michigan 2 $ 535,000 $ 267,500 $ 221,000
Olmsted, Minnesota 2 $ 275,000 $ 137,500 $ 42,000
Passaic, New Jersey 2 $ 372,000 $ 186,000 $ 74,000
Pitt, North Carolina 2 $ 604,000 $ 302,000 $ 164,000
Warren, Ohio 2 $ 465,000 $ 232,500 $ 71,000
Oklahoma, Oklahoma 2 $ 364,000 $ 182,000 $ 101,000
Williamson, Tennessee 2 $ 383,000 $ 191,500 $ 126,000
Angelina, Texas 2 $ 432,000 $ 216,000 $ 167,000
Denton, Texas 2 $ 289,000 $ 144,500 $ 115,000
Benton, Washington 2 $ 304,000 $ 152,000 $ 69,000
Snohomish, Washington 2 $ 403,000 $ 201,500 $ 92,000
Brown, Wisconsin 2 $ 383,000 $ 191,500 $ 144,000
Dane, Wisconsin 2 $ 359,000 $ 179,500 $ 97,000
Waukesha, Wisconsin 2 $ 491,000 $ 245,500 $ 123,000
Craighead, Arkansas 1 $ 58,000 $ 58,000 $ 74,000
Alameda, California 1 $ 297,000 $ 297,000 $ 109,000
El Dorado, California 1 $ 330,000 $ 330,000 $ 96,000
Riverside, California 1 $ 256,000 $ 256,000 $ 73,000
Sacramento, California 1 $ 239,000 $ 239,000 $ 110,000
Litchfield, Connecticut 1 $ 220,000 $ 220,000 $ 55,000
Middlesex, Connecticut 1 $ 115,000 $ 115,000 $ 72,000
Bay, Florida 1 $ 91,000 $ 91,000 $ 27,000
Hernando, Florida 1 $ 175,000 $ 175,000 $ 369,000
Leon, Florida 1 $ 172,000 $ 172,000 $ 36,000
Osceola, Florida 1 $ 105,000 $ 105,000 $ 178,000
Pasco, Florida 1 $ 143,000 $ 143,000 $ 113,000
Taylor, Florida 1 $ 167,000 $ 167,000 $ 116,000
Chatham, Georgia 1 $ 224,000 $ 224,000 $ 127,000
Jefferson, Georgia 1 $ 196,000 $ 196,000 $ 61,000
Ada, Idaho 1 $ 123,000 $ 123,000 $ 67,000
Jackson, Illinois 1 $ 160,000 $ 160,000 $ 140,000
Lake, Indiana 1 $ 144,000 $ 144,000 $ 40,000
Marion, Indiana 1 $ 110,000 $ 110,000 $ 300,000
Monroe, Indiana 1 $ 170,000 $ 170,000 $ 52,000
Vanderburgh, Indiana 1 $ 89,000 $ 89,000 $ 58,000
Warrick, Indiana 1 $ 312,000 $ 312,000 $ 152,000
Johnson, Iowa 1 $ 242,000 $ 242,000 $ 105,000
Polk, Iowa 1 $ 234,000 $ 234,000 $ 140,000
Story, Iowa 1 $ 100,000 $ 100,000 $ 145,000
Saline, Kansas 1 $ 170,000 $ 170,000 $ 89,000
Sedgwick, Kansas 1 $ 98,000 $ 98,000 $ 53,000
Wyandotte, Kansas 1 $ 43,000 $ 43,000 $ 84,000
Hardin, Kentucky 1 $ 245,000 $ 245,000 $ 156,000
Nelson, Kentucky 1 $ 59,000 $ 59,000 $ 22,000
Beauregard, Louisiana 1 $ 92,000 $ 92,000 $ 33,000
Jefferson, Louisiana 1 $ 214,000 $ 214,000 $ 116,000
Lafayette, Louisiana 1 $ 80,000 $ 80,000 $ 55,000
Lincoln, Louisiana 1 $ 126,000 $ 126,000 $ 93,000
Hampden, Massachusetts 1 $ 93,000 $ 93,000 $ 19,000
Hampshire, Massachusetts 1 $ 285,000 $ 285,000 $ 106,000
Berrien, Michigan 1 $ 180,000 $ 180,000 $ 180,000
Ingham, Michigan 1 $ 217,000 $ 217,000 $ 70,000
Oakland, Michigan 1 $ 50,000 $ 50,000 $ 62,000
Washtenaw, Michigan 1 $ 230,000 $ 230,000 $ 72,000
Benton, Minnesota 1 $ 77,000 $ 77,000 $ 54,000
Stearns, Minnesota 1 $ 122,000 $ 122,000 $ 50,000
Washington, Minnesota 1 $ 180,000 $ 180,000 $ 90,000
Oktibbeha, Mississippi 1 $ 55,000 $ 55,000 $ 26,000
Boone, Missouri 1 $ 233,000 $ 233,000 $ 135,000
Clay, Missouri 1 $ 106,000 $ 106,000 $ 21,000
Cole, Missouri 1 $ 107,000 $ 107,000 $ 75,000
Greene, Missouri 1 $ 177,000 $ 177,000 $ 64,000
Atlantic, New Jersey 1 $ 145,000 $ 145,000 $ 42,000
Burlington, New Jersey 1 $ 130,000 $ 130,000 $ 75,000
Hunterdon, New Jersey 1 $ 329,000 $ 329,000 $ 95,000
Ocean, New Jersey 1 $ 200,000 $ 200,000 $ 113,000
Warren, New Jersey 1 $ 246,000 $ 246,000 $ 86,000
Eddy, New Mexico 1 $ 168,000 $ 168,000 $ 180,000
Anson, North Carolina 1 $ 84,000 $ 84,000 $ 60,000
Forsyth, North Carolina 1 $ 153,000 $ 153,000 $ 82,000
Gaston, North Carolina 1 $ 70,000 $ 70,000 $ 21,000
Mecklenburg, North Carolina 1 $ 86,000 $ 86,000 $ 19,000
Greene, Ohio 1 $ 133,000 $ 133,000 $ 112,000
Lucas, Ohio 1 $ 270,000 $ 270,000 $ 140,000
Montgomery, Ohio 1 $ 155,000 $ 155,000 $ 200,000
Carter, Oklahoma 1 $ 114,000 $ 114,000 $ 49,000
Tulsa, Oklahoma 1 $ 110,000 $ 110,000 $ 30,000
Clackamas, Oregon 1 $ 230,000 $ 230,000 $ 79,000
Lexington, South Carolina 1 $ 140,000 $ 140,000 $ 75,000
Richland, South Carolina 1 $ 118,000 $ 118,000 $ 72,000
Hamblen, Tennessee 1 $ 127,000 $ 127,000 $ 120,000
Bexar, Texas 1 $ 75,000 $ 75,000 $ 62,000
Brazos, Texas 1 $ 171,000 $ 171,000 $ 16,000
El Paso, Texas 1 $ 225,000 $ 225,000 $ 105,000
Galveston, Texas 1 $ 333,000 $ 333,000 $ 198,000
Lampasas, Texas 1 $ 124,000 $ 124,000 $ 25,000
Lubbock, Texas 1 $ 75,000 $ 75,000 $ 83,000
Randall, Texas 1 $ 53,000 $ 53,000 $ 39,000
Alexandria, Virginia 1 $ 160,000 $ 160,000 $ 72,000
Arlington, Virginia 1 $ 175,000 $ 175,000 $ 66,000
Chesterfield, Virginia 1 $ 120,000 $ 120,000 $ 9,000
Henrico, Virginia 1 $ 188,000 $ 188,000 $ 76,000
Loudoun, Virginia 1 $ 260,000 $ 260,000 $ 105,000
Prince William, Virginia 1 $ 275,000 $ 275,000 $ 150,000
Pierce, Washington 1 $ 250,000 $ 250,000 $ 75,000
Nicholas, West Virginia 1 $ 35,000 $ 35,000 $ 120,000
Douglas, Wisconsin 1 $ 30,000 $ 30,000 $ 150,000
Walworth, Wisconsin 1 $ 187,000 $ 187,000 $ 79,000
Waushara, Wisconsin 1 $ 74,000 $ 74,000 $ 43,000

Mortgage Loan Application Detail Totals for American Finance House Lariba in 2004

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 481 $87,827,000 $175,028 $440,000 $91,142 $600,000
Refinancing 171 $28,103,000 $154,310 $430,000 $75,793 $1,200,000
Home Improvement 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
Asian 275 $48,047,000 $176,787 $334,000 $99,242 $1,200,000
Not Provided 199 $36,652,000 $177,241 $440,000 $77,896 $294,000
White 128 $23,351,000 $162,200 $334,000 $78,700 $369,000
Black or African American 45 $7,328,000 $178,588 $430,000 $68,764 $323,000
Hispanic 2 $176,000 $88,000 $140,000 $36,500 $57,000
Native Hawaiian or Other Pacific Islander 2 $301,000 $150,000 $205,000 $66,000 $67,000
Not applicable 1 $75,000 $75,000 $75,000 $138,000 $138,000
American Indian or Alaskan Native 0 $0 $0 $0 $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) 652 $115,930,000 $165,166 $440,000 $87,222 $1,200,000
FHA-insured (Federal Housing Administration) 0 $0 $0 $0 $0 $0
FSA/RHS (Farm Service Agency or Rural Housing Service) 0 $0 $0 $0 $0 $0
VA-guaranteed (Veterans Administration) 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 441 $80,599,000 $169,222 $430,000 $94,361 $1,200,000
Application Denied By Financial Institution 121 $18,346,000 $148,666 $404,000 $52,375 $396,000
Application Withdrawn By Applicant 87 $16,166,000 $176,173 $334,000 $88,000 $300,000
Application Approved But Not Accepted 3 $819,000 $273,000 $440,000 $100,333 $147,000
File Closed For Incompleteness 0 $0 $0 $0 $0 $0
Loan Purchased By The Institution 0 $0 $0 $0 $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
Collateral 0 $0 $0 $0 $0 $0
Credit Application Incomplete 0 $0 $0 $0 $0 $0
Credit History 0 $0 $0 $0 $0 $0
Debt-To-Income Ratio 0 $0 $0 $0 $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

Our comprehensive HMDA mortgage statistics provide invaluable insights into American Finance House Lariba's 2004 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 American Finance House Lariba'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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