American Finance House Lariba Mortgage Lending & HMDA Data, 2007

In 2007, American Finance House Lariba of Whittier, CA reported 548 mortgage applications totaling $110.0 million, up 10% from 2006. The average application was for $200,693, and applicants reported an average income of $91,649. 49% of its applications resulted in an originated loan and 21% were denied. Its largest markets were Dallas-Plano-Irving, TX (82), Houston-Sugar Land-Baytown, TX (81) and Atlanta-Sandy Springs-Marietta, GA (41) (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 548
Total Mortgage Loan Application Amount $109,980,000
Average Mortgage Loan Application Amount $200,693
Highest Mortgage Loan Application Amount $1,250,000
Average Applicant Income $91,649
Highest Applicant Income $1,107,000

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records American Finance House Lariba filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2007

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Dallas, Texas 44 $ 6,626,000 $ 150,590 $ 79,000
Harris, Texas 43 $ 5,571,000 $ 129,558 $ 72,000
Collin, Texas 35 $ 7,050,000 $ 201,428 $ 96,000
Fort Bend, Texas 30 $ 5,932,000 $ 197,733 $ 92,000
Tarrant, Texas 15 $ 2,542,000 $ 169,466 $ 81,000
Gwinnett, Georgia 13 $ 2,401,000 $ 184,692 $ 93,000
DeKalb, Georgia 11 $ 1,716,000 $ 156,000 $ 55,000
Los Angeles, California 10 $ 3,657,000 $ 365,700 $ 135,000
Fulton, Georgia 9 $ 2,000,000 $ 222,222 $ 74,000
Fairfax, Virginia 9 $ 3,522,000 $ 391,333 $ 123,000
Hillsborough, Florida 8 $ 1,205,000 $ 150,625 $ 81,000
Montgomery, Maryland 8 $ 2,556,000 $ 319,500 $ 99,000
Wake, North Carolina 8 $ 1,603,000 $ 200,375 $ 89,000
Wayne, Michigan 7 $ 810,000 $ 115,714 $ 77,000
St. Louis, Missouri 7 $ 2,631,000 $ 375,857 $ 216,000
Tulsa, Oklahoma 7 $ 836,000 $ 119,428 $ 64,000
Johnson, Kansas 6 $ 1,402,000 $ 233,666 $ 81,000
Davidson, Tennessee 6 $ 539,000 $ 89,833 $ 39,000
Fairfield, Connecticut 5 $ 1,569,000 $ 313,800 $ 100,000
Broward, Florida 5 $ 1,469,000 $ 293,800 $ 106,000
Cobb, Georgia 5 $ 855,000 $ 171,000 $ 90,000
Baltimore, Maryland 5 $ 1,050,000 $ 210,000 $ 83,000
King, Washington 5 $ 1,083,000 $ 216,600 $ 71,000
Santa Clara, California 4 $ 1,579,000 $ 394,750 $ 116,000
Arapahoe, Colorado 4 $ 482,000 $ 120,500 $ 37,000
Hartford, Connecticut 4 $ 1,113,000 $ 278,250 $ 70,000
Orange, Florida 4 $ 777,000 $ 194,250 $ 41,000
Polk, Iowa 4 $ 546,000 $ 136,500 $ 60,000
Cuyahoga, Ohio 4 $ 867,000 $ 216,750 $ 111,000
Franklin, Ohio 4 $ 546,000 $ 136,500 $ 76,000
Oklahoma, Oklahoma 4 $ 617,000 $ 154,250 $ 80,000
Montgomery, Texas 4 $ 954,000 $ 238,500 $ 144,000
Williamson, Texas 4 $ 870,000 $ 217,500 $ 89,000
Milwaukee, Wisconsin 4 $ 597,000 $ 149,250 $ 71,000
Alameda, California 3 $ 799,000 $ 266,333 $ 88,000
San Diego, California 3 $ 983,000 $ 327,666 $ 96,000
Leon, Florida 3 $ 532,000 $ 177,333 $ 198,000
Miami-Dade, Florida 3 $ 881,000 $ 293,666 $ 66,000
Sedgwick, Kansas 3 $ 500,000 $ 166,666 $ 101,000
Prince George's, Maryland 3 $ 1,004,000 $ 334,666 $ 68,000
Hennepin, Minnesota 3 $ 634,000 $ 211,333 $ 75,000
Boone, Missouri 3 $ 488,000 $ 162,666 $ 43,000
Douglas, Nebraska 3 $ 361,000 $ 120,333 $ 81,000
Bernalillo, New Mexico 3 $ 581,000 $ 193,666 $ 73,000
Mecklenburg, North Carolina 3 $ 268,000 $ 89,333 $ 26,000
Greene, Ohio 3 $ 691,000 $ 230,333 $ 166,000
Washington, Oregon 3 $ 576,000 $ 192,000 $ 82,000
Rutherford, Tennessee 3 $ 482,000 $ 160,666 $ 42,000
Galveston, Texas 3 $ 532,000 $ 177,333 $ 113,000
Fresno, California 2 $ 480,000 $ 240,000 $ 69,000
Sacramento, California 2 $ 625,000 $ 312,500 $ 83,000
San Joaquin, California 2 $ 435,000 $ 217,500 $ 85,000
Douglas, Colorado 2 $ 546,000 $ 273,000 $ 222,000
New Haven, Connecticut 2 $ 330,000 $ 165,000 $ 65,000
Hernando, Florida 2 $ 304,000 $ 152,000 $ 173,000
Lee, Florida 2 $ 486,000 $ 243,000 $ 174,000
Palm Beach, Florida 2 $ 644,000 $ 322,000 $ 153,000
Seminole, Florida 2 $ 410,000 $ 205,000 $ 56,000
Columbia, Georgia 2 $ 324,000 $ 162,000 $ 62,000
Hamilton, Indiana 2 $ 415,000 $ 207,500 $ 81,000
Frederick, Maryland 2 $ 468,000 $ 234,000 $ 111,000
Middlesex, Massachusetts 2 $ 840,000 $ 420,000 $ 119,000
Norfolk, Massachusetts 2 $ 489,000 $ 244,500 $ 71,000
Washington, Minnesota 2 $ 374,000 $ 187,000 $ 46,000
Jackson, Missouri 2 $ 405,000 $ 202,500 $ 72,000
Eddy, New Mexico 2 $ 519,000 $ 259,500 $ 184,000
Forsyth, North Carolina 2 $ 277,000 $ 138,500 $ 52,000
New Hanover, North Carolina 2 $ 169,000 $ 84,500 $ 84,000
Carter, Oklahoma 2 $ 162,000 $ 81,000 $ 43,000
Cleveland, Oklahoma 2 $ 297,000 $ 148,500 $ 134,000
Multnomah, Oregon 2 $ 510,000 $ 255,000 $ 120,000
Richland, South Carolina 2 $ 398,000 $ 199,000 $ 85,000
Knox, Tennessee 2 $ 272,000 $ 136,000 $ 41,000
Shelby, Tennessee 2 $ 247,000 $ 123,500 $ 63,000
Williamson, Tennessee 2 $ 732,000 $ 366,000 $ 164,000
Jefferson, Texas 2 $ 72,000 $ 36,000 $ 84,000
Loudoun, Virginia 2 $ 724,000 $ 362,000 $ 147,000
Prince William, Virginia 2 $ 737,000 $ 368,500 $ 112,000
Winchester, Virginia 2 $ 829,000 $ 414,500 $ 99,000
Benton, Washington 2 $ 319,000 $ 159,500 $ 71,000
Pierce, Washington 2 $ 413,000 $ 206,500 $ 91,000
Snohomish, Washington 2 $ 760,000 $ 380,000 $ 91,000
Carroll, Arkansas 1 $ 40,000 $ 40,000 $ 109,000
Faulkner, Arkansas 1 $ 83,000 $ 83,000 $ 110,000
Johnson, Arkansas 1 $ 76,000 $ 76,000 $ 30,000
Pulaski, Arkansas 1 $ 360,000 $ 360,000 $ 160,000
Sebastian, Arkansas 1 $ 160,000 $ 160,000 $ 65,000
Kern, California 1 $ 260,000 $ 260,000 $ 46,000
Placer, California 1 $ 345,000 $ 345,000 $ 82,000
San Francisco, California 1 $ 675,000 $ 675,000 $ 1,107,000
Yolo, California 1 $ 415,000 $ 415,000 $ 72,000
Denver, Colorado 1 $ 139,000 $ 139,000 $ 94,000
Jefferson, Colorado 1 $ 168,000 $ 168,000 $ 42,000
Bay, Florida 1 $ 110,000 $ 110,000 $ 44,000
Lake, Florida 1 $ 152,000 $ 152,000 $ 46,000
Martin, Florida 1 $ 119,000 $ 119,000 $ 54,000
Osceola, Florida 1 $ 155,000 $ 155,000 $ 43,000
Pasco, Florida 1 $ 264,000 $ 264,000 $ 87,000
Pinellas, Florida 1 $ 135,000 $ 135,000 $ 15,000
Polk, Florida 1 $ 120,000 $ 120,000 $ 27,000
Santa Rosa, Florida 1 $ 110,000 $ 110,000 $ 67,000
St. Johns, Florida 1 $ 333,000 $ 333,000 $ 115,000
Bibb, Georgia 1 $ 114,000 $ 114,000 $ 24,000
Dawson, Georgia 1 $ 156,000 $ 156,000 $ 58,000
Douglas, Georgia 1 $ 81,000 $ 81,000 $ 26,000
Forsyth, Georgia 1 $ 154,000 $ 154,000 $ 62,000
Oconee, Georgia 1 $ 405,000 $ 405,000 $ 93,000
Richmond, Georgia 1 $ 99,000 $ 99,000 $ 38,000
Honolulu, Hawaii 1 $ 257,000 $ 257,000 $ 70,000
Canyon, Idaho 1 $ 189,000 $ 189,000 $ 37,000
LaGrange, Indiana 1 $ 80,000 $ 80,000 $ 47,000
Marion, Indiana 1 $ 101,000 $ 101,000 $ 42,000
Vigo, Indiana 1 $ 370,000 $ 370,000 $ 0
Johnson, Iowa 1 $ 213,000 $ 213,000 $ 88,000
Linn, Iowa 1 $ 192,000 $ 192,000 $ 85,000
Scott, Iowa 1 $ 114,000 $ 114,000 $ 45,000
Saline, Kansas 1 $ 99,000 $ 99,000 $ 323,000
Carroll, Maryland 1 $ 417,000 $ 417,000 $ 240,000
Charles, Maryland 1 $ 240,000 $ 240,000 $ 70,000
Harford, Maryland 1 $ 219,000 $ 219,000 $ 36,000
Wicomico, Maryland 1 $ 197,000 $ 197,000 $ 85,000
Essex, Massachusetts 1 $ 300,000 $ 300,000 $ 72,000
Hampden, Massachusetts 1 $ 175,000 $ 175,000 $ 36,000
Worcester, Massachusetts 1 $ 417,000 $ 417,000 $ 150,000
Kalamazoo, Michigan 1 $ 417,000 $ 417,000 $ 226,000
Macomb, Michigan 1 $ 48,000 $ 48,000 $ 50,000
Menominee, Michigan 1 $ 78,000 $ 78,000 $ 360,000
Washtenaw, Michigan 1 $ 246,000 $ 246,000 $ 148,000
Anoka, Minnesota 1 $ 311,000 $ 311,000 $ 66,000
Clay, Minnesota 1 $ 90,000 $ 90,000 $ 45,000
Ramsey, Minnesota 1 $ 238,000 $ 238,000 $ 48,000
Scott, Minnesota 1 $ 300,000 $ 300,000 $ 70,000
St. Louis, Minnesota 1 $ 137,000 $ 137,000 $ 58,000
Rockingham, New Hampshire 1 $ 417,000 $ 417,000 $ 80,000
Cabarrus, North Carolina 1 $ 150,000 $ 150,000 $ 132,000
Cumberland, North Carolina 1 $ 200,000 $ 200,000 $ 72,000
Duplin, North Carolina 1 $ 54,000 $ 54,000 $ 48,000
Guilford, North Carolina 1 $ 170,000 $ 170,000 $ 56,000
Union, North Carolina 1 $ 171,000 $ 171,000 $ 84,000
Butler, Ohio 1 $ 55,000 $ 55,000 $ 128,000
Montgomery, Ohio 1 $ 370,000 $ 370,000 $ 120,000
McCurtain, Oklahoma 1 $ 92,000 $ 92,000 $ 113,000
Clackamas, Oregon 1 $ 320,000 $ 320,000 $ 74,000
Polk, Oregon 1 $ 382,000 $ 382,000 $ 174,000
Northampton, Pennsylvania 1 $ 104,000 $ 104,000 $ 54,000
Cherokee, South Carolina 1 $ 417,000 $ 417,000 $ 170,000
Chesterfield, South Carolina 1 $ 192,000 $ 192,000 $ 199,000
Greenville, South Carolina 1 $ 100,000 $ 100,000 $ 120,000
Horry, South Carolina 1 $ 182,000 $ 182,000 $ 90,000
Pickens, South Carolina 1 $ 220,000 $ 220,000 $ 300,000
York, South Carolina 1 $ 123,000 $ 123,000 $ 80,000
Hamilton, Tennessee 1 $ 185,000 $ 185,000 $ 31,000
Anderson, Texas 1 $ 79,000 $ 79,000 $ 87,000
Archer, Texas 1 $ 133,000 $ 133,000 $ 135,000
Austin, Texas 1 $ 225,000 $ 225,000 $ 37,000
Bell, Texas 1 $ 50,000 $ 50,000 $ 160,000
Bexar, Texas 1 $ 115,000 $ 115,000 $ 115,000
Blanco, Texas 1 $ 156,000 $ 156,000 $ 90,000
Brazos, Texas 1 $ 80,000 $ 80,000 $ 86,000
Cameron, Texas 1 $ 322,000 $ 322,000 $ 152,000
Denton, Texas 1 $ 122,000 $ 122,000 $ 85,000
Gregg, Texas 1 $ 238,000 $ 238,000 $ 83,000
Hunt, Texas 1 $ 208,000 $ 208,000 $ 71,000
McLennan, Texas 1 $ 164,000 $ 164,000 $ 64,000
Rockwall, Texas 1 $ 113,000 $ 113,000 $ 34,000
Travis, Texas 1 $ 215,000 $ 215,000 $ 90,000
Wichita, Texas 1 $ 180,000 $ 180,000 $ 77,000
Bedford, Virginia 1 $ 90,000 $ 90,000 $ 131,000
Chesterfield, Virginia 1 $ 175,000 $ 175,000 $ 87,000
Thurston, Washington 1 $ 105,000 $ 105,000 $ 100,000
Eau Claire, Wisconsin 1 $ 82,000 $ 82,000 $ 49,000
Kenosha, Wisconsin 1 $ 216,000 $ 216,000 $ 93,000
Marinette, Wisconsin 1 $ 231,000 $ 231,000 $ 410,000
Racine, Wisconsin 1 $ 207,000 $ 207,000 $ 62,000

Mortgage Loan Application Detail Totals for American Finance House Lariba in 2007

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 395 $78,946,000 $199,000 $1,250,000 $95,000 $1,107,000
Refinancing 153 $31,034,000 $202,000 $688,000 $83,000 $410,000
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 334 $68,669,000 $205,000 $675,000 $96,000 $1,107,000
White 108 $22,355,000 $206,000 $1,250,000 $94,000 $840,000
Black or African American 74 $13,165,000 $177,000 $448,000 $67,000 $276,000
Not Provided 21 $3,659,000 $174,000 $409,000 $98,000 $410,000
Hispanic 7 $1,340,000 $191,000 $417,000 $72,000 $138,000
Native Hawaiian or Other Pacific Islander 3 $679,000 $226,000 $264,000 $72,000 $96,000
American Indian or Alaskan Native 1 $113,000 $113,000 $113,000 $84,000 $84,000
Not applicable 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) 548 $109,980,000 $200,000 $1,250,000 $91,000 $1,107,000
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 269 $50,569,000 $187,000 $417,000 $94,000 $499,000
Application Withdrawn By Applicant 161 $35,845,000 $222,000 $1,250,000 $105,000 $1,107,000
Application Denied By Financial Institution 114 $22,712,000 $199,000 $799,000 $68,000 $300,000
Application Approved But Not Accepted 4 $854,000 $213,000 $348,000 $75,000 $100,000
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 2007 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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