American Finance House Lariba Mortgage Lending & HMDA Data, 2009

In 2009, American Finance House Lariba of Whittier, CA reported 914 mortgage applications totaling $189.1 million, up 62% from 2008. The average application was for $206,866, and applicants reported an average income of $107,153. 49% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Dallas-Plano-Irving, TX (152), Houston-Sugar Land-Baytown, TX (88) and Atlanta-Sandy Springs-Marietta, GA (65) (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 914
Total Mortgage Loan Application Amount $189,076,000
Average Mortgage Loan Application Amount $206,866
Highest Mortgage Loan Application Amount $730,000
Average Applicant Income $107,153
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records American Finance House Lariba filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2009

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Dallas, Texas 84 $ 13,441,000 $ 160,011 $ 92,000
Collin, Texas 58 $ 11,165,000 $ 192,500 $ 121,000
Harris, Texas 57 $ 8,375,000 $ 146,929 $ 92,000
Gwinnett, Georgia 28 $ 5,036,000 $ 179,857 $ 73,000
Tarrant, Texas 26 $ 3,475,000 $ 133,653 $ 102,000
Fort Bend, Texas 21 $ 3,281,000 $ 156,238 $ 88,000
Williamson, Texas 18 $ 3,318,000 $ 184,333 $ 105,000
Fulton, Georgia 17 $ 3,549,000 $ 208,764 $ 108,000
Los Angeles, California 16 $ 5,334,000 $ 333,375 $ 123,000
Riverside, California 15 $ 3,601,000 $ 240,066 $ 87,000
Alameda, California 14 $ 4,564,000 $ 326,000 $ 113,000
San Diego, California 14 $ 3,458,000 $ 247,000 $ 117,000
Travis, Texas 13 $ 1,962,000 $ 150,923 $ 91,000
Wayne, Michigan 12 $ 1,000,000 $ 83,333 $ 57,000
Sacramento, California 11 $ 2,597,000 $ 236,090 $ 100,000
Johnson, Kansas 11 $ 2,332,000 $ 212,000 $ 105,000
Fairfax, Virginia 11 $ 2,896,000 $ 263,272 $ 84,000
Orange, California 10 $ 4,101,000 $ 410,100 $ 138,000
Santa Clara, California 10 $ 3,686,000 $ 368,600 $ 149,000
DeKalb, Georgia 10 $ 987,000 $ 98,700 $ 99,000
Montgomery, Maryland 10 $ 2,993,000 $ 299,300 $ 122,000
Middlesex, New Jersey 10 $ 3,073,000 $ 307,300 $ 128,000
Davidson, Tennessee 10 $ 1,632,000 $ 163,200 $ 60,000
Denton, Texas 10 $ 1,871,000 $ 187,100 $ 105,000
Maricopa, Arizona 9 $ 1,564,000 $ 173,777 $ 107,000
Orange, Florida 9 $ 1,693,000 $ 188,111 $ 138,000
Middlesex, Massachusetts 9 $ 2,966,000 $ 329,555 $ 168,000
Wake, North Carolina 9 $ 2,393,000 $ 265,888 $ 138,000
Tulsa, Oklahoma 9 $ 1,547,000 $ 171,888 $ 89,000
Contra Costa, California 8 $ 2,168,000 $ 271,000 $ 86,000
San Bernardino, California 8 $ 2,664,000 $ 333,000 $ 142,000
Cobb, Georgia 8 $ 1,541,000 $ 192,625 $ 101,000
Hennepin, Minnesota 8 $ 1,472,000 $ 184,000 $ 102,000
Franklin, Ohio 8 $ 1,146,000 $ 143,250 $ 121,000
King, Washington 8 $ 2,389,000 $ 298,625 $ 101,000
Arapahoe, Colorado 7 $ 1,295,000 $ 185,000 $ 73,000
Baltimore, Maryland 7 $ 1,303,000 $ 186,142 $ 80,000
Prince George's, Maryland 7 $ 1,662,000 $ 237,428 $ 97,000
Fresno, California 6 $ 1,453,000 $ 242,166 $ 87,000
Fairfield, Connecticut 6 $ 1,635,000 $ 272,500 $ 91,000
Broward, Florida 6 $ 1,142,000 $ 190,333 $ 87,000
Hamilton, Indiana 6 $ 962,000 $ 160,333 $ 100,000
Howard, Maryland 6 $ 2,090,000 $ 348,333 $ 116,000
Oakland, Michigan 6 $ 1,488,000 $ 248,000 $ 128,000
Oklahoma, Oklahoma 6 $ 870,000 $ 145,000 $ 108,000
New Haven, Connecticut 5 $ 1,015,000 $ 203,000 $ 122,000
New Castle, Delaware 5 $ 1,495,000 $ 299,000 $ 96,000
Hillsborough, Florida 5 $ 892,000 $ 178,400 $ 82,000
Richland, South Carolina 5 $ 605,000 $ 121,000 $ 78,000
Galveston, Texas 5 $ 625,000 $ 125,000 $ 110,000
Ventura, California 4 $ 1,386,000 $ 346,500 $ 434,000
Scott, Iowa 4 $ 934,000 $ 233,500 $ 166,000
Sedgwick, Kansas 4 $ 501,000 $ 125,250 $ 109,000
Worcester, Massachusetts 4 $ 1,038,000 $ 259,500 $ 134,000
Macomb, Michigan 4 $ 435,000 $ 108,750 $ 32,000
Bergen, New Jersey 4 $ 1,224,000 $ 306,000 $ 175,000
Somerset, New Jersey 4 $ 1,054,000 $ 263,500 $ 93,000
Prince William, Virginia 4 $ 949,000 $ 237,250 $ 114,000
Snohomish, Washington 4 $ 1,343,000 $ 335,750 $ 107,000
Pulaski, Arkansas 3 $ 402,000 $ 134,000 $ 59,000
San Joaquin, California 3 $ 510,000 $ 170,000 $ 55,000
Douglas, Colorado 3 $ 698,000 $ 232,666 $ 103,000
Osceola, Florida 3 $ 289,000 $ 96,333 $ 255,000
Marion, Indiana 3 $ 728,000 $ 242,666 $ 139,000
Baltimore City, Maryland 3 $ 169,000 $ 56,333 $ 83,000
Suffolk, Massachusetts 3 $ 840,000 $ 280,000 $ 87,000
St. Louis, Missouri 3 $ 478,000 $ 159,333 $ 95,000
Bernalillo, New Mexico 3 $ 570,000 $ 190,000 $ 104,000
Hamilton, Ohio 3 $ 335,000 $ 111,666 $ 72,000
Shelby, Tennessee 3 $ 380,000 $ 126,666 $ 83,000
Brazoria, Texas 3 $ 448,000 $ 149,333 $ 73,000
Salt Lake, Utah 3 $ 892,000 $ 297,333 $ 96,000
Arlington, Virginia 3 $ 953,000 $ 317,666 $ 103,000
Milwaukee, Wisconsin 3 $ 557,000 $ 185,666 $ 54,000
Tuscaloosa, Alabama 2 $ 442,000 $ 221,000 $ 120,000
Pima, Arizona 2 $ 325,000 $ 162,500 $ 54,000
San Mateo, California 2 $ 1,399,000 $ 699,500 $ 186,000
Yolo, California 2 $ 216,000 $ 108,000 $ 95,000
El Paso, Colorado 2 $ 383,000 $ 191,500 $ 64,000
Alachua, Florida 2 $ 237,000 $ 118,500 $ 79,000
Miami-Dade, Florida 2 $ 410,000 $ 205,000 $ 75,000
Palm Beach, Florida 2 $ 280,000 $ 140,000 $ 116,000
Pinellas, Florida 2 $ 148,000 $ 74,000 $ 29,000
Columbia, Georgia 2 $ 341,000 $ 170,500 $ 100,000
Forsyth, Georgia 2 $ 518,000 $ 259,000 $ 92,000
Hendricks, Indiana 2 $ 427,000 $ 213,500 $ 73,000
Linn, Iowa 2 $ 170,000 $ 85,000 $ 87,000
East Baton Rouge, Louisiana 2 $ 258,000 $ 129,000 $ 96,000
Anne Arundel, Maryland 2 $ 617,000 $ 308,500 $ 172,000
Essex, Massachusetts 2 $ 286,000 $ 143,000 $ 61,000
Hampden, Massachusetts 2 $ 691,000 $ 345,500 $ 101,000
Norfolk, Massachusetts 2 $ 489,000 $ 244,500 $ 76,000
Washtenaw, Michigan 2 $ 371,000 $ 185,500 $ 86,000
Anoka, Minnesota 2 $ 536,000 $ 268,000 $ 178,000
Hudson, New Jersey 2 $ 582,000 $ 291,000 $ 97,000
Morris, New Jersey 2 $ 682,000 $ 341,000 $ 197,000
Gaston, North Carolina 2 $ 182,000 $ 91,000 $ 77,000
Cass, North Dakota 2 $ 402,000 $ 201,000 $ 93,000
Warren, Ohio 2 $ 428,000 $ 214,000 $ 64,000
Multnomah, Oregon 2 $ 527,000 $ 263,500 $ 158,000
Washington, Oregon 2 $ 629,000 $ 314,500 $ 106,000
Kent, Rhode Island 2 $ 381,000 $ 190,500 $ 75,000
Greenville, South Carolina 2 $ 408,000 $ 204,000 $ 96,000
Knox, Tennessee 2 $ 258,000 $ 129,000 $ 101,000
Montgomery, Texas 2 $ 537,000 $ 268,500 $ 158,000
Lynchburg, Virginia 2 $ 453,000 $ 226,500 $ 78,000
Jefferson, Alabama 1 $ 218,000 $ 218,000 $ 87,000
Limestone, Alabama 1 $ 360,000 $ 360,000 $ 261,000
Madison, Alabama 1 $ 315,000 $ 315,000 $ 107,000
Mobile, Alabama 1 $ 404,000 $ 404,000 $ 229,000
Kern, California 1 $ 125,000 $ 125,000 $ 203,000
Monterey, California 1 $ 116,000 $ 116,000 $ 101,000
Placer, California 1 $ 214,000 $ 214,000 $ 44,000
Solano, California 1 $ 176,000 $ 176,000 $ 88,000
Sonoma, California 1 $ 96,000 $ 96,000 $ 48,000
Stanislaus, California 1 $ 156,000 $ 156,000 $ 48,000
Broomfield, Colorado 1 $ 410,000 $ 410,000 $ 115,000
Bay, Florida 1 $ 202,000 $ 202,000 $ 120,000
Clay, Florida 1 $ 150,000 $ 150,000 $ 120,000
Duval, Florida 1 $ 308,000 $ 308,000 $ 168,000
Lee, Florida 1 $ 75,000 $ 75,000 $ 68,000
Leon, Florida 1 $ 387,000 $ 387,000 $ 140,000
Pasco, Florida 1 $ 266,000 $ 266,000 $ 87,000
Seminole, Florida 1 $ 401,000 $ 401,000 $ 370,000
Oconee, Georgia 1 $ 228,000 $ 228,000 $ 255,000
Richmond, Georgia 1 $ 70,000 $ 70,000 $ 112,000
Monroe, Indiana 1 $ 212,000 $ 212,000 $ 100,000
Warrick, Indiana 1 $ 170,000 $ 170,000 $ 128,000
Polk, Iowa 1 $ 176,000 $ 176,000 $ 64,000
Butler, Kansas 1 $ 187,000 $ 187,000 $ 169,000
Riley, Kansas 1 $ 400,000 $ 400,000 $ 163,000
Fayette, Kentucky 1 $ 184,000 $ 184,000 $ 97,000
Jefferson, Kentucky 1 $ 240,000 $ 240,000 $ 70,000
Jefferson, Louisiana 1 $ 212,000 $ 212,000 $ 225,000
Lafayette, Louisiana 1 $ 116,000 $ 116,000 $ 37,000
Lincoln, Louisiana 1 $ 136,000 $ 136,000 $ 93,000
Barnstable, Massachusetts 1 $ 275,000 $ 275,000 $ 172,000
Bristol, Massachusetts 1 $ 337,000 $ 337,000 $ 95,000
Eaton, Michigan 1 $ 56,000 $ 56,000 $ 17,000
Saginaw, Michigan 1 $ 417,000 $ 417,000 $ 264,000
Dakota, Minnesota 1 $ 158,000 $ 158,000 $ 46,000
Scott, Minnesota 1 $ 80,000 $ 80,000 $ 123,000
Washington, Minnesota 1 $ 126,000 $ 126,000 $ 42,000
Clay, Missouri 1 $ 160,000 $ 160,000 $ 36,000
Greene, Missouri 1 $ 214,000 $ 214,000 $ 75,000
Jackson, Missouri 1 $ 120,000 $ 120,000 $ 48,000
St. Charles, Missouri 1 $ 270,000 $ 270,000 $ 90,000
Lancaster, Nebraska 1 $ 417,000 $ 417,000 $ 338,000
Sarpy, Nebraska 1 $ 184,000 $ 184,000 $ 83,000
Camden, New Jersey 1 $ 417,000 $ 417,000 $ 222,000
Mercer, New Jersey 1 $ 170,000 $ 170,000 $ 73,000
Monmouth, New Jersey 1 $ 205,000 $ 205,000 $ 116,000
Eddy, New Mexico 1 $ 358,000 $ 358,000 $ 194,000
Santa Fe, New Mexico 1 $ 354,000 $ 354,000 $ 181,000
Suffolk, New York 1 $ 200,000 $ 200,000 $ 64,000
Cumberland, North Carolina 1 $ 113,000 $ 113,000 $ 114,000
Durham, North Carolina 1 $ 108,000 $ 108,000 $ 95,000
Forsyth, North Carolina 1 $ 117,000 $ 117,000 $ 48,000
Guilford, North Carolina 1 $ 80,000 $ 80,000 $ 27,000
Mecklenburg, North Carolina 1 $ 414,000 $ 414,000 $ 248,000
Nash, North Carolina 1 $ 33,000 $ 33,000 $ 19,000
Grand Forks, North Dakota 1 $ 396,000 $ 396,000 $ 185,000
Butler, Ohio 1 $ 94,000 $ 94,000 $ 54,000
Cuyahoga, Ohio 1 $ 180,000 $ 180,000 $ 36,000
Greene, Ohio 1 $ 162,000 $ 162,000 $ 72,000
Montgomery, Ohio 1 $ 111,000 $ 111,000 $ 75,000
Summit, Ohio 1 $ 383,000 $ 383,000 $ 208,000
Benton, Oregon 1 $ 78,000 $ 78,000 $ 85,000
Josephine, Oregon 1 $ 237,000 $ 237,000 $ 145,000
Marion, Oregon 1 $ 188,000 $ 188,000 $ 137,000
Polk, Oregon 1 $ 378,000 $ 378,000 $ 164,000
Bristol, Rhode Island 1 $ 342,000 $ 342,000 $ 141,000
Charleston, South Carolina 1 $ 179,000 $ 179,000 $ 148,000
Florence, South Carolina 1 $ 228,000 $ 228,000 $ 83,000
Lexington, South Carolina 1 $ 135,000 $ 135,000 $ 59,000
York, South Carolina 1 $ 356,000 $ 356,000 $ 145,000
Hamilton, Tennessee 1 $ 95,000 $ 95,000 $ 93,000
Rutherford, Tennessee 1 $ 120,000 $ 120,000 $ 65,000
Archer, Texas 1 $ 60,000 $ 60,000 $ 149,000
Blanco, Texas 1 $ 224,000 $ 224,000 $ 110,000
Brazos, Texas 1 $ 90,000 $ 90,000 $ 111,000
El Paso, Texas 1 $ 125,000 $ 125,000 $ 235,000
Hidalgo, Texas 1 $ 220,000 $ 220,000 $ 144,000
Jefferson, Texas 1 $ 318,000 $ 318,000 $ 156,000
Potter, Texas 1 $ 200,000 $ 200,000 $ 194,000
Weber, Utah 1 $ 140,000 $ 140,000 $ 40,000
Chittenden, Vermont 1 $ 223,000 $ 223,000 $ 66,000
Bedford, Virginia 1 $ 100,000 $ 100,000 $ 187,000
Hopewell, Virginia 1 $ 120,000 $ 120,000 $ 31,000
Loudoun, Virginia 1 $ 400,000 $ 400,000 $ 90,000
Winchester, Virginia 1 $ 407,000 $ 407,000 $ 180,000
Pierce, Washington 1 $ 199,000 $ 199,000 $ 144,000
Thurston, Washington 1 $ 153,000 $ 153,000 $ 60,000
Putnam, West Virginia 1 $ 417,000 $ 417,000 $ 1,200,000
Kenosha, Wisconsin 1 $ 213,000 $ 213,000 $ 95,000
Marinette, Wisconsin 1 $ 174,000 $ 174,000 $ 672,000
Waukesha, Wisconsin 1 $ 243,000 $ 243,000 $ 85,000
Wood, Wisconsin 1 $ 367,000 $ 367,000 $ 171,000

Mortgage Loan Application Detail Totals for American Finance House Lariba in 2009

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
Refinancing 527 $110,320,000 $209,000 $699,000 $108,000 $720,000
Home Purchase 387 $78,756,000 $203,000 $730,000 $106,000 $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 610 $131,450,000 $215,000 $730,000 $110,000 $900,000
White 136 $26,092,000 $191,000 $417,000 $108,000 $672,000
Not Provided 96 $18,830,000 $196,000 $448,000 $120,000 $1,200,000
Black or African American 63 $10,858,000 $172,000 $417,000 $69,000 $175,000
Hispanic 6 $1,249,000 $208,000 $417,000 $122,000 $264,000
Native Hawaiian or Other Pacific Islander 2 $429,000 $214,000 $271,000 $46,000 $49,000
American Indian or Alaskan Native 1 $168,000 $168,000 $168,000 $40,000 $40,000
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) 914 $189,076,000 $206,000 $730,000 $107,000 $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 452 $89,253,000 $197,000 $700,000 $110,000 $672,000
Application Withdrawn By Applicant 151 $30,150,000 $199,000 $730,000 $97,000 $631,000
File Closed For Incompleteness 127 $28,458,000 $224,000 $599,000 $106,000 $672,000
Application Denied By Financial Institution 97 $17,969,000 $185,000 $563,000 $89,000 $900,000
Loan Purchased By The Institution 85 $22,976,000 $270,000 $660,000 $138,000 $1,200,000
Application Approved But Not Accepted 2 $270,000 $135,000 $198,000 $61,000 $77,000
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 2009 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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