American Finance House Lariba Mortgage Lending & HMDA Data, 2005

In 2005, American Finance House Lariba of Whittier, CA reported 689 mortgage applications totaling $130.2 million, up 6% from 2004. The average application was for $188,939, and applicants reported an average income of $87,309. 54% of its applications resulted in an originated loan and 19% were denied. Its largest markets were Dallas-Plano-Irving, TX (84), Houston-Baytown-Sugar Land, TX (74) and Atlanta-Sandy Springs-Marietta, GA (48) (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 689
Total Mortgage Loan Application Amount $130,179,000
Average Mortgage Loan Application Amount $188,939
Highest Mortgage Loan Application Amount $516,000
Average Applicant Income $87,309
Highest Applicant Income $1,247,000

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records American Finance House Lariba filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2005

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Collin, Texas 48 $ 9,268,000 $ 193,083 $ 87,000
Harris, Texas 45 $ 5,018,000 $ 111,511 $ 56,000
Dallas, Texas 29 $ 4,245,000 $ 146,379 $ 67,000
Fort Bend, Texas 23 $ 3,512,000 $ 152,695 $ 70,000
Gwinnett, Georgia 21 $ 3,487,000 $ 166,047 $ 74,000
Wayne, Michigan 16 $ 2,237,000 $ 139,812 $ 170,000
King, Washington 16 $ 4,214,000 $ 263,375 $ 75,000
Fulton, Georgia 13 $ 2,581,000 $ 198,538 $ 125,000
Cook, Illinois 13 $ 2,312,000 $ 177,846 $ 76,000
Davidson, Tennessee 12 $ 2,009,000 $ 167,416 $ 111,000
Prince George's, Maryland 11 $ 2,824,000 $ 256,727 $ 94,000
St. Louis, Missouri 11 $ 2,521,000 $ 229,181 $ 113,000
Los Angeles, California 10 $ 2,660,000 $ 266,000 $ 104,000
New Haven, Connecticut 10 $ 1,653,000 $ 165,300 $ 78,000
Orange, Florida 10 $ 2,011,000 $ 201,100 $ 71,000
Tarrant, Texas 10 $ 1,400,000 $ 140,000 $ 80,000
Williamson, Texas 10 $ 2,026,000 $ 202,600 $ 99,000
Fairfax, Virginia 10 $ 2,366,000 $ 236,600 $ 68,000
Snohomish, Washington 9 $ 2,359,000 $ 262,111 $ 99,000
Bay, Florida 8 $ 1,783,000 $ 222,875 $ 130,000
DeKalb, Georgia 8 $ 808,000 $ 101,000 $ 40,000
Johnson, Kansas 8 $ 1,522,000 $ 190,250 $ 84,000
Fairfield, Connecticut 7 $ 1,759,000 $ 251,285 $ 69,000
Baltimore, Maryland 7 $ 1,580,000 $ 225,714 $ 69,000
Middlesex, Massachusetts 7 $ 1,815,000 $ 259,285 $ 79,000
Oklahoma, Oklahoma 7 $ 861,000 $ 123,000 $ 54,000
Alameda, California 6 $ 1,525,000 $ 254,166 $ 122,000
Orange, California 6 $ 1,778,000 $ 296,333 $ 100,000
Hamilton, Indiana 6 $ 1,104,000 $ 184,000 $ 88,000
Worcester, Massachusetts 6 $ 1,805,000 $ 300,833 $ 103,000
Denton, Texas 6 $ 1,143,000 $ 190,500 $ 77,000
Sacramento, California 5 $ 1,633,000 $ 326,600 $ 114,000
San Bernardino, California 5 $ 1,797,000 $ 359,400 $ 70,000
Essex, Massachusetts 5 $ 1,354,000 $ 270,800 $ 79,000
Tulsa, Oklahoma 5 $ 711,000 $ 142,200 $ 55,000
Washington, Oregon 5 $ 1,028,000 $ 205,600 $ 106,000
Brazoria, Texas 5 $ 776,000 $ 155,200 $ 59,000
Broward, Florida 4 $ 985,000 $ 246,250 $ 96,000
Lake, Florida 4 $ 883,000 $ 220,750 $ 147,000
Miami-Dade, Florida 4 $ 869,000 $ 217,250 $ 76,000
Cobb, Georgia 4 $ 654,000 $ 163,500 $ 54,000
Sedgwick, Kansas 4 $ 944,000 $ 236,000 $ 176,000
Suffolk, Massachusetts 4 $ 861,000 $ 215,250 $ 55,000
Anoka, Minnesota 4 $ 822,000 $ 205,500 $ 60,000
Hennepin, Minnesota 4 $ 513,000 $ 128,250 $ 31,000
Jackson, Missouri 4 $ 438,000 $ 109,500 $ 47,000
Wake, North Carolina 4 $ 841,000 $ 210,250 $ 89,000
San Saba, Texas 4 $ 308,000 $ 77,000 $ 70,000
Santa Clara, California 3 $ 663,000 $ 221,000 $ 82,000
Duval, Florida 3 $ 846,000 $ 282,000 $ 147,000
Scott, Iowa 3 $ 606,000 $ 202,000 $ 165,000
Norfolk, Massachusetts 3 $ 739,000 $ 246,333 $ 81,000
Genesee, Michigan 3 $ 702,000 $ 234,000 $ 155,000
Bergen, New Jersey 3 $ 830,000 $ 276,666 $ 258,000
Mercer, New Jersey 3 $ 332,000 $ 110,666 $ 314,000
Durham, North Carolina 3 $ 395,000 $ 131,666 $ 50,000
Delaware, Ohio 3 $ 811,000 $ 270,333 $ 359,000
Montgomery, Ohio 3 $ 467,000 $ 155,666 $ 118,000
Richland, South Carolina 3 $ 527,000 $ 175,666 $ 76,000
Rutherford, Tennessee 3 $ 403,000 $ 134,333 $ 43,000
Bexar, Texas 3 $ 678,000 $ 226,000 $ 142,000
Travis, Texas 3 $ 383,000 $ 127,666 $ 67,000
Pinal, Arizona 2 $ 297,000 $ 148,500 $ 77,000
Fresno, California 2 $ 537,000 $ 268,500 $ 60,000
San Joaquin, California 2 $ 490,000 $ 245,000 $ 86,000
Arapahoe, Colorado 2 $ 304,000 $ 152,000 $ 65,000
Hartford, Connecticut 2 $ 257,000 $ 128,500 $ 85,000
Lake, Illinois 2 $ 532,000 $ 266,000 $ 94,000
Will, Illinois 2 $ 470,000 $ 235,000 $ 77,000
Tippecanoe, Indiana 2 $ 428,000 $ 214,000 $ 118,000
Dallas, Iowa 2 $ 482,000 $ 241,000 $ 149,000
Story, Iowa 2 $ 235,000 $ 117,500 $ 70,000
Lyon, Kansas 2 $ 71,000 $ 35,500 $ 95,000
Jefferson, Kentucky 2 $ 442,000 $ 221,000 $ 173,000
Lincoln, Louisiana 2 $ 168,000 $ 84,000 $ 82,000
Cecil, Maryland 2 $ 361,000 $ 180,500 $ 56,000
Harford, Maryland 2 $ 539,000 $ 269,500 $ 104,000
Hampden, Massachusetts 2 $ 235,000 $ 117,500 $ 24,000
Macomb, Michigan 2 $ 262,000 $ 131,000 $ 44,000
Washtenaw, Michigan 2 $ 616,000 $ 308,000 $ 146,000
Madison, Mississippi 2 $ 273,000 $ 136,500 $ 76,000
St. Charles, Missouri 2 $ 302,000 $ 151,000 $ 65,000
Clark, Nevada 2 $ 580,000 $ 290,000 $ 60,000
Lea, New Mexico 2 $ 399,000 $ 199,500 $ 182,000
Guilford, North Carolina 2 $ 219,000 $ 109,500 $ 45,000
Mecklenburg, North Carolina 2 $ 351,000 $ 175,500 $ 94,000
Hamilton, Tennessee 2 $ 333,000 $ 166,500 $ 76,000
Knox, Tennessee 2 $ 419,000 $ 209,500 $ 165,000
Shelby, Tennessee 2 $ 240,000 $ 120,000 $ 84,000
Bell, Texas 2 $ 383,000 $ 191,500 $ 126,000
Brazos, Texas 2 $ 215,000 $ 107,500 $ 41,000
Hidalgo, Texas 2 $ 365,000 $ 182,500 $ 83,000
Milwaukee, Wisconsin 2 $ 470,000 $ 235,000 $ 97,000
Maricopa, Arizona 1 $ 320,000 $ 320,000 $ 80,000
Benton, Arkansas 1 $ 114,000 $ 114,000 $ 48,000
Craighead, Arkansas 1 $ 137,000 $ 137,000 $ 70,000
Pulaski, Arkansas 1 $ 161,000 $ 161,000 $ 55,000
Contra Costa, California 1 $ 340,000 $ 340,000 $ 81,000
El Dorado, California 1 $ 45,000 $ 45,000 $ 97,000
Kern, California 1 $ 195,000 $ 195,000 $ 113,000
Madera, California 1 $ 175,000 $ 175,000 $ 13,000
San Diego, California 1 $ 325,000 $ 325,000 $ 24,000
San Francisco, California 1 $ 332,000 $ 332,000 $ 190,000
Solano, California 1 $ 347,000 $ 347,000 $ 91,000
Boulder, Colorado 1 $ 256,000 $ 256,000 $ 88,000
Douglas, Colorado 1 $ 267,000 $ 267,000 $ 120,000
New London, Connecticut 1 $ 283,000 $ 283,000 $ 89,000
Brevard, Florida 1 $ 234,000 $ 234,000 $ 90,000
Hernando, Florida 1 $ 200,000 $ 200,000 $ 75,000
Hillsborough, Florida 1 $ 100,000 $ 100,000 $ 38,000
Palm Beach, Florida 1 $ 155,000 $ 155,000 $ 46,000
Ben Hill, Georgia 1 $ 137,000 $ 137,000 $ 138,000
Bibb, Georgia 1 $ 135,000 $ 135,000 $ 67,000
Catoosa, Georgia 1 $ 190,000 $ 190,000 $ 72,000
Columbia, Georgia 1 $ 220,000 $ 220,000 $ 95,000
Fayette, Georgia 1 $ 156,000 $ 156,000 $ 49,000
Muscogee, Georgia 1 $ 67,000 $ 67,000 $ 34,000
Walton, Georgia 1 $ 158,000 $ 158,000 $ 60,000
Champaign, Illinois 1 $ 250,000 $ 250,000 $ 168,000
DuPage, Illinois 1 $ 115,000 $ 115,000 $ 20,000
Kane, Illinois 1 $ 52,000 $ 52,000 $ 63,000
Sangamon, Illinois 1 $ 231,000 $ 231,000 $ 70,000
Clark, Indiana 1 $ 96,000 $ 96,000 $ 30,000
Hendricks, Indiana 1 $ 155,000 $ 155,000 $ 46,000
Howard, Indiana 1 $ 138,000 $ 138,000 $ 55,000
Lake, Indiana 1 $ 134,000 $ 134,000 $ 28,000
Porter, Indiana 1 $ 60,000 $ 60,000 $ 14,000
Vanderburgh, Indiana 1 $ 71,000 $ 71,000 $ 52,000
Polk, Iowa 1 $ 240,000 $ 240,000 $ 199,000
Ellis, Kansas 1 $ 136,000 $ 136,000 $ 250,000
Boone, Kentucky 1 $ 44,000 $ 44,000 $ 44,000
Hardin, Kentucky 1 $ 112,000 $ 112,000 $ 86,000
Laurel, Kentucky 1 $ 239,000 $ 239,000 $ 89,000
Bossier, Louisiana 1 $ 145,000 $ 145,000 $ 39,000
Caddo, Louisiana 1 $ 132,000 $ 132,000 $ 36,000
Anne Arundel, Maryland 1 $ 240,000 $ 240,000 $ 52,000
Baltimore City, Maryland 1 $ 48,000 $ 48,000 $ 84,000
Howard, Maryland 1 $ 350,000 $ 350,000 $ 182,000
Montgomery, Maryland 1 $ 191,000 $ 191,000 $ 51,000
Wicomico, Maryland 1 $ 144,000 $ 144,000 $ 60,000
Berkshire, Massachusetts 1 $ 98,000 $ 98,000 $ 72,000
Bristol, Massachusetts 1 $ 286,000 $ 286,000 $ 71,000
Franklin, Massachusetts 1 $ 120,000 $ 120,000 $ 47,000
Berrien, Michigan 1 $ 144,000 $ 144,000 $ 78,000
Ingham, Michigan 1 $ 190,000 $ 190,000 $ 46,000
Oakland, Michigan 1 $ 350,000 $ 350,000 $ 445,000
Ramsey, Minnesota 1 $ 236,000 $ 236,000 $ 84,000
Washington, Minnesota 1 $ 143,000 $ 143,000 $ 41,000
Lafayette, Mississippi 1 $ 227,000 $ 227,000 $ 72,000
Boone, Missouri 1 $ 100,000 $ 100,000 $ 16,000
Pettis, Missouri 1 $ 157,000 $ 157,000 $ 99,000
St. Louis City, Missouri 1 $ 124,000 $ 124,000 $ 118,000
Douglas, Nebraska 1 $ 154,000 $ 154,000 $ 64,000
Lancaster, Nebraska 1 $ 170,000 $ 170,000 $ 92,000
Middlesex, New Jersey 1 $ 150,000 $ 150,000 $ 115,000
Somerset, New Jersey 1 $ 313,000 $ 313,000 $ 80,000
Bernalillo, New Mexico 1 $ 112,000 $ 112,000 $ 91,000
Chaves, New Mexico 1 $ 180,000 $ 180,000 $ 127,000
Dona Ana, New Mexico 1 $ 175,000 $ 175,000 $ 51,000
Cabarrus, North Carolina 1 $ 203,000 $ 203,000 $ 90,000
Cumberland, North Carolina 1 $ 135,000 $ 135,000 $ 63,000
Forsyth, North Carolina 1 $ 175,000 $ 175,000 $ 42,000
Butler, Ohio 1 $ 154,000 $ 154,000 $ 66,000
Fairfield, Ohio 1 $ 143,000 $ 143,000 $ 78,000
Franklin, Ohio 1 $ 168,000 $ 168,000 $ 46,000
Greene, Ohio 1 $ 223,000 $ 223,000 $ 66,000
Hamilton, Ohio 1 $ 225,000 $ 225,000 $ 67,000
Lucas, Ohio 1 $ 149,000 $ 149,000 $ 69,000
Warren, Ohio 1 $ 245,000 $ 245,000 $ 95,000
Stephens, Oklahoma 1 $ 140,000 $ 140,000 $ 74,000
Benton, Oregon 1 $ 190,000 $ 190,000 $ 80,000
Clackamas, Oregon 1 $ 270,000 $ 270,000 $ 95,000
Multnomah, Oregon 1 $ 219,000 $ 219,000 $ 52,000
Charleston, South Carolina 1 $ 147,000 $ 147,000 $ 73,000
Greenville, South Carolina 1 $ 100,000 $ 100,000 $ 48,000
Pickens, South Carolina 1 $ 97,000 $ 97,000 $ 66,000
Kaufman, Texas 1 $ 191,000 $ 191,000 $ 65,000
Montgomery, Texas 1 $ 143,000 $ 143,000 $ 45,000
Alexandria, Virginia 1 $ 185,000 $ 185,000 $ 44,000
Arlington, Virginia 1 $ 360,000 $ 360,000 $ 72,000
Chesterfield, Virginia 1 $ 190,000 $ 190,000 $ 130,000
Henrico, Virginia 1 $ 133,000 $ 133,000 $ 71,000
Loudoun, Virginia 1 $ 241,000 $ 241,000 $ 84,000
Prince William, Virginia 1 $ 300,000 $ 300,000 $ 83,000
Benton, Washington 1 $ 270,000 $ 270,000 $ 126,000
Kitsap, Washington 1 $ 228,000 $ 228,000 $ 81,000
Skagit, Washington 1 $ 220,000 $ 220,000 $ 36,000
Thurston, Washington 1 $ 275,000 $ 275,000 $ 124,000
Brown, Wisconsin 1 $ 162,000 $ 162,000 $ 71,000
Dane, Wisconsin 1 $ 310,000 $ 310,000 $ 120,000
Kenosha, Wisconsin 1 $ 171,000 $ 171,000 $ 73,000
Outagamie, Wisconsin 1 $ 272,000 $ 272,000 $ 0
Washington, Wisconsin 1 $ 153,000 $ 153,000 $ 144,000
Waukesha, Wisconsin 1 $ 161,000 $ 161,000 $ 53,000
Winnebago, Wisconsin 1 $ 170,000 $ 170,000 $ 69,000

Mortgage Loan Application Detail Totals for American Finance House Lariba in 2005

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 506 $95,867,000 $195,424 $460,000 $90,060 $960,000
Refinancing 183 $34,312,000 $184,480 $516,000 $90,200 $1,247,000
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 374 $70,567,000 $191,281 $516,000 $88,687 $445,000
Not Provided 145 $27,615,000 $187,230 $390,000 $90,961 $1,247,000
White 89 $16,855,000 $186,038 $369,000 $83,192 $294,000
Black or African American 71 $13,598,000 $174,823 $360,000 $88,470 $960,000
Native Hawaiian or Other Pacific Islander 4 $532,000 $133,000 $185,000 $82,000 $120,000
Hispanic 3 $417,000 $149,000 $180,000 $50,000 $56,000
Not applicable 2 $499,000 $249,500 $263,000 $84,500 $85,000
American Indian or Alaskan Native 1 $96,000 $96,000 $96,000 $27,000 $27,000

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) 689 $130,179,000 $189,818 $516,000 $91,030 $1,247,000
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 372 $69,708,000 $198,062 $417,000 $98,250 $494,000
Application Withdrawn By Applicant 163 $32,244,000 $189,821 $390,000 $95,464 $960,000
Application Denied By Financial Institution 133 $23,975,000 $163,074 $516,000 $81,592 $1,247,000
Application Approved But Not Accepted 21 $4,252,000 $215,307 $360,000 $84,769 $445,000
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
Credit History 3 $440,000 $134,000 $194,000 $68,000 $124,000
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
Collateral 0 $0 $0 $0 $0 $0
Credit Application Incomplete 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into American Finance House Lariba's 2005 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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