American Finance House Lariba Mortgage Lending & HMDA Data, 2008

In 2008, American Finance House Lariba of Whittier, CA reported 563 mortgage applications totaling $124.7 million, up 3% from 2007. The average application was for $221,552, and applicants reported an average income of $109,294. 55% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Dallas-Plano-Irving, TX (88), Houston-Sugar Land-Baytown, TX (54) and Atlanta-Sandy Springs-Marietta, GA (20) (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 563
Total Mortgage Loan Application Amount $124,734,000
Average Mortgage Loan Application Amount $221,552
Highest Mortgage Loan Application Amount $729,000
Average Applicant Income $109,294
Highest Applicant Income $667,000

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records American Finance House Lariba filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2008

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Collin, Texas 44 $ 8,628,000 $ 196,090 $ 99,000
Dallas, Texas 41 $ 6,831,000 $ 166,609 $ 79,000
Harris, Texas 32 $ 5,040,000 $ 157,500 $ 113,000
Fort Bend, Texas 18 $ 2,850,000 $ 158,333 $ 81,000
Tarrant, Texas 15 $ 2,414,000 $ 160,933 $ 99,000
Middlesex, New Jersey 13 $ 4,168,000 $ 320,615 $ 124,000
Santa Clara, California 12 $ 4,386,000 $ 365,500 $ 127,000
Los Angeles, California 11 $ 3,324,000 $ 302,181 $ 107,000
Maricopa, Arizona 9 $ 1,887,000 $ 209,666 $ 113,000
Wayne, Michigan 9 $ 945,000 $ 105,000 $ 53,000
Broward, Florida 8 $ 1,539,000 $ 192,375 $ 74,000
Gwinnett, Georgia 8 $ 2,267,000 $ 283,375 $ 157,000
Wake, North Carolina 8 $ 1,494,000 $ 186,750 $ 83,000
Alameda, California 7 $ 2,455,000 $ 350,714 $ 139,000
San Bernardino, California 7 $ 1,509,000 $ 215,571 $ 126,000
Montgomery, Maryland 7 $ 2,542,000 $ 363,142 $ 110,000
Oklahoma, Oklahoma 7 $ 1,332,000 $ 190,285 $ 93,000
Tulsa, Oklahoma 7 $ 1,485,000 $ 212,142 $ 150,000
Williamson, Texas 7 $ 1,560,000 $ 222,857 $ 86,000
Sacramento, California 6 $ 1,643,000 $ 273,833 $ 100,000
Jefferson, Louisiana 6 $ 1,622,000 $ 270,333 $ 241,000
Franklin, Ohio 6 $ 738,000 $ 123,000 $ 87,000
Orange, California 5 $ 1,679,000 $ 335,800 $ 104,000
San Diego, California 5 $ 1,885,000 $ 377,000 $ 123,000
Orange, Florida 5 $ 1,167,000 $ 233,400 $ 165,000
Fulton, Georgia 5 $ 1,259,000 $ 251,800 $ 174,000
Hamilton, Indiana 5 $ 760,000 $ 152,000 $ 94,000
Fresno, California 4 $ 654,000 $ 163,500 $ 93,000
Yolo, California 4 $ 861,000 $ 215,250 $ 95,000
Sedgwick, Kansas 4 $ 711,000 $ 177,750 $ 116,000
Baltimore, Maryland 4 $ 1,008,000 $ 252,000 $ 90,000
Howard, Maryland 4 $ 1,485,000 $ 371,250 $ 104,000
St. Louis, Missouri 4 $ 994,000 $ 248,500 $ 304,000
Bernalillo, New Mexico 4 $ 701,000 $ 175,250 $ 107,000
Hamilton, Ohio 4 $ 202,000 $ 50,500 $ 104,000
Salt Lake, Utah 4 $ 828,000 $ 207,000 $ 57,000
Fairfax, Virginia 4 $ 1,207,000 $ 301,750 $ 76,000
San Joaquin, California 3 $ 865,000 $ 288,333 $ 109,000
Arapahoe, Colorado 3 $ 758,000 $ 252,666 $ 88,000
Douglas, Colorado 3 $ 789,000 $ 263,000 $ 117,000
Hartford, Connecticut 3 $ 632,000 $ 210,666 $ 79,000
New Haven, Connecticut 3 $ 178,000 $ 59,333 $ 63,000
Prince George's, Maryland 3 $ 930,000 $ 310,000 $ 89,000
Oakland, Michigan 3 $ 806,000 $ 268,666 $ 124,000
Hennepin, Minnesota 3 $ 672,000 $ 224,000 $ 210,000
Jackson, Missouri 3 $ 155,000 $ 51,666 $ 42,000
Greene, Ohio 3 $ 530,000 $ 176,666 $ 78,000
Washington, Oregon 3 $ 725,000 $ 241,666 $ 112,000
Davidson, Tennessee 3 $ 646,000 $ 215,333 $ 64,000
Shelby, Tennessee 3 $ 1,106,000 $ 368,666 $ 255,000
Denton, Texas 3 $ 541,000 $ 180,333 $ 94,000
Travis, Texas 3 $ 447,000 $ 149,000 $ 72,000
Prince William, Virginia 3 $ 503,000 $ 167,666 $ 60,000
King, Washington 3 $ 816,000 $ 272,000 $ 72,000
Pulaski, Arkansas 2 $ 283,000 $ 141,500 $ 314,000
Contra Costa, California 2 $ 533,000 $ 266,500 $ 73,000
Fairfield, Connecticut 2 $ 452,000 $ 226,000 $ 80,000
Hillsborough, Florida 2 $ 200,000 $ 100,000 $ 29,000
Miami-Dade, Florida 2 $ 1,200,000 $ 600,000 $ 189,000
Osceola, Florida 2 $ 198,000 $ 99,000 $ 85,000
Seminole, Florida 2 $ 355,000 $ 177,500 $ 78,000
Cobb, Georgia 2 $ 343,000 $ 171,500 $ 112,000
Columbia, Georgia 2 $ 376,000 $ 188,000 $ 61,000
DeKalb, Georgia 2 $ 249,000 $ 124,500 $ 39,000
Honolulu, Hawaii 2 $ 990,000 $ 495,000 $ 139,000
Johnson, Kansas 2 $ 418,000 $ 209,000 $ 82,000
Baltimore City, Maryland 2 $ 237,000 $ 118,500 $ 43,000
Norfolk, Massachusetts 2 $ 507,000 $ 253,500 $ 126,000
Anoka, Minnesota 2 $ 724,000 $ 362,000 $ 119,000
Douglas, Nebraska 2 $ 317,000 $ 158,500 $ 52,000
Sarpy, Nebraska 2 $ 347,000 $ 173,500 $ 99,000
Hudson, New Jersey 2 $ 694,000 $ 347,000 $ 128,000
Morris, New Jersey 2 $ 602,000 $ 301,000 $ 74,000
Somerset, New Jersey 2 $ 577,000 $ 288,500 $ 100,000
Bronx, New York 2 $ 293,000 $ 146,500 $ 100,000
Chemung, New York 2 $ 630,000 $ 315,000 $ 485,000
Nassau, New York 2 $ 813,000 $ 406,500 $ 114,000
Queens, New York 2 $ 834,000 $ 417,000 $ 94,000
Richmond, New York 2 $ 543,000 $ 271,500 $ 92,000
Cabarrus, North Carolina 2 $ 544,000 $ 272,000 $ 149,000
Forsyth, North Carolina 2 $ 169,000 $ 84,500 $ 42,000
Mecklenburg, North Carolina 2 $ 585,000 $ 292,500 $ 92,000
Montgomery, Ohio 2 $ 336,000 $ 168,000 $ 90,000
Cleveland, Oklahoma 2 $ 653,000 $ 326,500 $ 218,000
Knox, Tennessee 2 $ 452,000 $ 226,000 $ 160,000
Montgomery, Texas 2 $ 521,000 $ 260,500 $ 134,000
Waukesha, Wisconsin 2 $ 405,000 $ 202,500 $ 80,000
Houston, Alabama 1 $ 168,000 $ 168,000 $ 300,000
Jefferson, Alabama 1 $ 228,000 $ 228,000 $ 87,000
Lee, Alabama 1 $ 139,000 $ 139,000 $ 81,000
Limestone, Alabama 1 $ 250,000 $ 250,000 $ 90,000
Mobile, Alabama 1 $ 150,000 $ 150,000 $ 60,000
Shelby, Alabama 1 $ 162,000 $ 162,000 $ 61,000
Tuscaloosa, Alabama 1 $ 133,000 $ 133,000 $ 105,000
Mohave, Arizona 1 $ 417,000 $ 417,000 $ 300,000
Pinal, Arizona 1 $ 225,000 $ 225,000 $ 66,000
Faulkner, Arkansas 1 $ 171,000 $ 171,000 $ 48,000
Kern, California 1 $ 62,000 $ 62,000 $ 14,000
Placer, California 1 $ 580,000 $ 580,000 $ 280,000
Riverside, California 1 $ 320,000 $ 320,000 $ 70,000
San Francisco, California 1 $ 417,000 $ 417,000 $ 199,000
San Mateo, California 1 $ 504,000 $ 504,000 $ 105,000
Tulare, California 1 $ 185,000 $ 185,000 $ 35,000
Denver, Colorado 1 $ 212,000 $ 212,000 $ 45,000
Jefferson, Colorado 1 $ 150,000 $ 150,000 $ 42,000
New Castle, Delaware 1 $ 257,000 $ 257,000 $ 107,000
Sussex, Delaware 1 $ 417,000 $ 417,000 $ 340,000
Alachua, Florida 1 $ 145,000 $ 145,000 $ 80,000
Duval, Florida 1 $ 180,000 $ 180,000 $ 60,000
Hernando, Florida 1 $ 130,000 $ 130,000 $ 150,000
Lake, Florida 1 $ 200,000 $ 200,000 $ 46,000
Bibb, Georgia 1 $ 112,000 $ 112,000 $ 132,000
Cherokee, Georgia 1 $ 183,000 $ 183,000 $ 47,000
Dawson, Georgia 1 $ 155,000 $ 155,000 $ 60,000
Forsyth, Georgia 1 $ 226,000 $ 226,000 $ 44,000
Monroe, Georgia 1 $ 205,000 $ 205,000 $ 41,000
Oconee, Georgia 1 $ 407,000 $ 407,000 $ 71,000
Marion, Indiana 1 $ 300,000 $ 300,000 $ 201,000
Noble, Indiana 1 $ 97,000 $ 97,000 $ 24,000
Black Hawk, Iowa 1 $ 250,000 $ 250,000 $ 250,000
Johnson, Iowa 1 $ 151,000 $ 151,000 $ 70,000
Polk, Iowa 1 $ 139,000 $ 139,000 $ 63,000
Story, Iowa 1 $ 225,000 $ 225,000 $ 182,000
Fayette, Kentucky 1 $ 222,000 $ 222,000 $ 129,000
Jefferson, Kentucky 1 $ 154,000 $ 154,000 $ 51,000
Ouachita, Louisiana 1 $ 212,000 $ 212,000 $ 155,000
Charles, Maryland 1 $ 238,000 $ 238,000 $ 75,000
Frederick, Maryland 1 $ 376,000 $ 376,000 $ 113,000
Bristol, Massachusetts 1 $ 250,000 $ 250,000 $ 95,000
Essex, Massachusetts 1 $ 304,000 $ 304,000 $ 100,000
Hampden, Massachusetts 1 $ 150,000 $ 150,000 $ 48,000
Plymouth, Massachusetts 1 $ 246,000 $ 246,000 $ 80,000
Worcester, Massachusetts 1 $ 285,000 $ 285,000 $ 60,000
Kent, Michigan 1 $ 159,000 $ 159,000 $ 89,000
Saginaw, Michigan 1 $ 417,000 $ 417,000 $ 300,000
Washtenaw, Michigan 1 $ 227,000 $ 227,000 $ 132,000
Olmsted, Minnesota 1 $ 130,000 $ 130,000 $ 146,000
Scott, Minnesota 1 $ 82,000 $ 82,000 $ 123,000
Lancaster, Nebraska 1 $ 417,000 $ 417,000 $ 338,000
Mercer, New Jersey 1 $ 215,000 $ 215,000 $ 123,000
Union, New Jersey 1 $ 175,000 $ 175,000 $ 64,000
Albany, New York 1 $ 261,000 $ 261,000 $ 120,000
Montgomery, New York 1 $ 81,000 $ 81,000 $ 57,000
Suffolk, New York 1 $ 414,000 $ 414,000 $ 140,000
Cumberland, North Carolina 1 $ 221,000 $ 221,000 $ 59,000
Gaston, North Carolina 1 $ 50,000 $ 50,000 $ 23,000
Cass, North Dakota 1 $ 186,000 $ 186,000 $ 189,000
Butler, Ohio 1 $ 50,000 $ 50,000 $ 137,000
Cuyahoga, Ohio 1 $ 124,000 $ 124,000 $ 57,000
Mahoning, Ohio 1 $ 84,000 $ 84,000 $ 120,000
Ross, Ohio 1 $ 225,000 $ 225,000 $ 82,000
Summit, Ohio 1 $ 392,000 $ 392,000 $ 275,000
Canadian, Oklahoma 1 $ 120,000 $ 120,000 $ 48,000
Carter, Oklahoma 1 $ 153,000 $ 153,000 $ 177,000
Josephine, Oregon 1 $ 238,000 $ 238,000 $ 145,000
Multnomah, Oregon 1 $ 188,000 $ 188,000 $ 47,000
Kent, Rhode Island 1 $ 297,000 $ 297,000 $ 104,000
Providence, Rhode Island 1 $ 128,000 $ 128,000 $ 41,000
Charleston, South Carolina 1 $ 193,000 $ 193,000 $ 159,000
Sumner, Tennessee 1 $ 400,000 $ 400,000 $ 180,000
Andrews, Texas 1 $ 162,000 $ 162,000 $ 92,000
Blanco, Texas 1 $ 223,000 $ 223,000 $ 110,000
Brazoria, Texas 1 $ 141,000 $ 141,000 $ 113,000
Galveston, Texas 1 $ 182,000 $ 182,000 $ 143,000
Guadalupe, Texas 1 $ 100,000 $ 100,000 $ 101,000
Victoria, Texas 1 $ 292,000 $ 292,000 $ 322,000
Henrico, Virginia 1 $ 288,000 $ 288,000 $ 80,000
Loudoun, Virginia 1 $ 437,000 $ 437,000 $ 100,000
Winchester, Virginia 1 $ 409,000 $ 409,000 $ 195,000
Clark, Washington 1 $ 300,000 $ 300,000 $ 60,000
Island, Washington 1 $ 180,000 $ 180,000 $ 120,000
Kitsap, Washington 1 $ 450,000 $ 450,000 $ 94,000
Snohomish, Washington 1 $ 360,000 $ 360,000 $ 98,000
Thurston, Washington 1 $ 207,000 $ 207,000 $ 70,000
Yakima, Washington 1 $ 118,000 $ 118,000 $ 40,000
Kanawha, West Virginia 1 $ 81,000 $ 81,000 $ 40,000
Monongalia, West Virginia 1 $ 181,000 $ 181,000 $ 110,000
Marinette, Wisconsin 1 $ 176,000 $ 176,000 $ 410,000
Milwaukee, Wisconsin 1 $ 224,000 $ 224,000 $ 59,000
Wood, Wisconsin 1 $ 368,000 $ 368,000 $ 170,000

Mortgage Loan Application Detail Totals for American Finance House Lariba in 2008

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 371 $84,540,000 $227,000 $729,000 $111,000 $600,000
Refinancing 192 $40,194,000 $209,000 $625,000 $106,000 $667,000
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 352 $76,754,000 $218,000 $700,000 $112,000 $667,000
White 100 $23,146,000 $231,000 $625,000 $122,000 $410,000
Not Provided 54 $12,408,000 $229,000 $572,000 $89,000 $276,000
Black or African American 46 $9,757,000 $212,000 $729,000 $82,000 $302,000
Hispanic 7 $1,695,000 $242,000 $417,000 $158,000 $300,000
Native Hawaiian or Other Pacific Islander 2 $527,000 $263,000 $410,000 $69,000 $99,000
Not applicable 2 $447,000 $223,000 $297,000 $69,000 $104,000
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) 563 $124,734,000 $221,000 $729,000 $109,000 $667,000
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 312 $64,730,000 $207,000 $729,000 $112,000 $667,000
Loan Purchased By The Institution 78 $20,170,000 $258,000 $417,000 $129,000 $550,000
Application Withdrawn By Applicant 72 $17,648,000 $245,000 $625,000 $120,000 $600,000
Application Denied By Financial Institution 59 $13,460,000 $228,000 $700,000 $69,000 $186,000
File Closed For Incompleteness 37 $7,479,000 $202,000 $417,000 $92,000 $250,000
Application Approved But Not Accepted 5 $1,247,000 $249,000 $376,000 $63,000 $113,000
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 2008 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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