American Finance House Lariba Mortgage Lending & HMDA Data, 2016
In 2016, American Finance House Lariba of Whittier, CA reported 536 mortgage applications totaling $136.1 million, up 11% from 2015. The average application was for $253,916, and applicants reported an average income of $130,417. 55% of its applications resulted in an originated loan and 18% were denied. Its largest markets were Houston-The Woodlands-Sugar Land, TX (47), Atlanta-Sandy Springs-Roswell, GA (38) and Dallas-Plano-Irving, TX (32) (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 |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 536 |
| Total Mortgage Loan Application Amount | $136,099,000 |
| Average Mortgage Loan Application Amount | $253,916 |
| Highest Mortgage Loan Application Amount | $626,000 |
| Average Applicant Income | $130,417 |
| Highest Applicant Income | $814,000 |
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records American Finance House Lariba filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Harris, Texas | 31 | $ 4,936,000 | $ 159,225 | $ 106,000 |
| Collin, Texas | 17 | $ 4,398,000 | $ 258,705 | $ 135,000 |
| Riverside, California | 16 | $ 3,826,000 | $ 239,125 | $ 175,000 |
| Dallas, Texas | 15 | $ 2,415,000 | $ 161,000 | $ 123,000 |
| Contra Costa, California | 13 | $ 4,103,000 | $ 315,615 | $ 100,000 |
| Los Angeles, California | 13 | $ 4,242,000 | $ 326,307 | $ 119,000 |
| Fort Bend, Texas | 13 | $ 3,243,000 | $ 249,461 | $ 127,000 |
| Fulton, Georgia | 12 | $ 3,527,000 | $ 293,916 | $ 185,000 |
| Cook, Illinois | 12 | $ 2,564,000 | $ 213,666 | $ 90,000 |
| Cobb, Georgia | 9 | $ 1,736,000 | $ 192,888 | $ 99,000 |
| DeKalb, Georgia | 9 | $ 2,017,000 | $ 224,111 | $ 98,000 |
| Wayne, Michigan | 9 | $ 1,970,000 | $ 218,888 | $ 122,000 |
| Gwinnett, Georgia | 8 | $ 1,251,000 | $ 156,375 | $ 90,000 |
| Will, Illinois | 8 | $ 1,651,000 | $ 206,375 | $ 128,000 |
| Fairfax, Virginia | 8 | $ 2,700,000 | $ 337,500 | $ 164,000 |
| San Bernardino, California | 7 | $ 2,059,000 | $ 294,142 | $ 167,000 |
| Middlesex, New Jersey | 7 | $ 2,608,000 | $ 372,571 | $ 199,000 |
| Loudoun, Virginia | 7 | $ 2,073,000 | $ 296,142 | $ 148,000 |
| Sacramento, California | 6 | $ 2,011,000 | $ 335,166 | $ 116,000 |
| Santa Clara, California | 6 | $ 3,419,000 | $ 569,833 | $ 283,000 |
| Broward, Florida | 6 | $ 1,565,000 | $ 260,833 | $ 92,000 |
| DuPage, Illinois | 6 | $ 1,567,000 | $ 261,166 | $ 135,000 |
| Cabarrus, North Carolina | 6 | $ 1,780,000 | $ 296,666 | $ 127,000 |
| Shelby, Tennessee | 6 | $ 739,000 | $ 123,166 | $ 78,000 |
| King, Washington | 6 | $ 1,853,000 | $ 308,833 | $ 117,000 |
| Alameda, California | 5 | $ 2,847,000 | $ 569,400 | $ 158,000 |
| Seminole, Florida | 5 | $ 1,155,000 | $ 231,000 | $ 130,000 |
| Baltimore, Maryland | 5 | $ 923,000 | $ 184,600 | $ 50,000 |
| Montgomery, Maryland | 5 | $ 1,724,000 | $ 344,800 | $ 153,000 |
| Somerset, New Jersey | 5 | $ 1,855,000 | $ 371,000 | $ 128,000 |
| Mecklenburg, North Carolina | 5 | $ 1,064,000 | $ 212,800 | $ 110,000 |
| Prince William, Virginia | 5 | $ 1,705,000 | $ 341,000 | $ 148,000 |
| Orange, Florida | 4 | $ 667,000 | $ 166,750 | $ 67,000 |
| Osceola, Florida | 4 | $ 1,149,000 | $ 287,250 | $ 230,000 |
| Palm Beach, Florida | 4 | $ 872,000 | $ 218,000 | $ 95,000 |
| Columbia, Georgia | 4 | $ 1,175,000 | $ 293,750 | $ 156,000 |
| Middlesex, Massachusetts | 4 | $ 1,293,000 | $ 323,250 | $ 145,000 |
| Worcester, Massachusetts | 4 | $ 901,000 | $ 225,250 | $ 112,000 |
| Bergen, New Jersey | 4 | $ 1,160,000 | $ 290,000 | $ 127,000 |
| Wake, North Carolina | 4 | $ 820,000 | $ 205,000 | $ 113,000 |
| Washington, Oregon | 4 | $ 1,074,000 | $ 268,500 | $ 125,000 |
| Tarrant, Texas | 4 | $ 833,000 | $ 208,250 | $ 84,000 |
| Virginia Beach, Virginia | 4 | $ 768,000 | $ 192,000 | $ 76,000 |
| San Diego, California | 3 | $ 1,407,000 | $ 469,000 | $ 185,000 |
| Duval, Florida | 3 | $ 207,000 | $ 69,000 | $ 19,000 |
| Kendall, Illinois | 3 | $ 324,000 | $ 108,000 | $ 57,000 |
| Hamilton, Indiana | 3 | $ 446,000 | $ 148,666 | $ 95,000 |
| Prince George's, Maryland | 3 | $ 864,000 | $ 288,000 | $ 141,000 |
| Genesee, Michigan | 3 | $ 754,000 | $ 251,333 | $ 76,000 |
| Oakland, Michigan | 3 | $ 516,000 | $ 172,000 | $ 80,000 |
| Henrico, Virginia | 3 | $ 662,000 | $ 220,666 | $ 262,000 |
| Snohomish, Washington | 3 | $ 855,000 | $ 285,000 | $ 280,000 |
| Thurston, Washington | 3 | $ 561,000 | $ 187,000 | $ 66,000 |
| San Joaquin, California | 2 | $ 626,000 | $ 313,000 | $ 134,000 |
| Alachua, Florida | 2 | $ 500,000 | $ 250,000 | $ 169,000 |
| Hillsborough, Florida | 2 | $ 581,000 | $ 290,500 | $ 116,000 |
| Pasco, Florida | 2 | $ 260,000 | $ 130,000 | $ 72,000 |
| Boone, Illinois | 2 | $ 567,000 | $ 283,500 | $ 241,000 |
| Lake, Illinois | 2 | $ 282,000 | $ 141,000 | $ 62,000 |
| Washington, Maryland | 2 | $ 426,000 | $ 213,000 | $ 111,000 |
| Essex, Massachusetts | 2 | $ 545,000 | $ 272,500 | $ 98,000 |
| Macomb, Michigan | 2 | $ 268,000 | $ 134,000 | $ 36,000 |
| Washtenaw, Michigan | 2 | $ 307,000 | $ 153,500 | $ 116,000 |
| Camden, New Jersey | 2 | $ 438,000 | $ 219,000 | $ 75,000 |
| Hudson, New Jersey | 2 | $ 524,000 | $ 262,000 | $ 107,000 |
| Passaic, New Jersey | 2 | $ 474,000 | $ 237,000 | $ 96,000 |
| Bryan, Oklahoma | 2 | $ 239,000 | $ 119,500 | $ 54,000 |
| Oklahoma, Oklahoma | 2 | $ 142,000 | $ 71,000 | $ 81,000 |
| Tulsa, Oklahoma | 2 | $ 268,000 | $ 134,000 | $ 214,000 |
| Spartanburg, South Carolina | 2 | $ 145,000 | $ 72,500 | $ 35,000 |
| Fairfax City, Virginia | 2 | $ 535,000 | $ 267,500 | $ 47,000 |
| Lynchburg, Virginia | 2 | $ 104,000 | $ 52,000 | $ 140,000 |
| Benton, Washington | 2 | $ 564,000 | $ 282,000 | $ 122,000 |
| Waukesha, Wisconsin | 2 | $ 657,000 | $ 328,500 | $ 227,000 |
| Fresno, California | 1 | $ 219,000 | $ 219,000 | $ 153,000 |
| Kern, California | 1 | $ 91,000 | $ 91,000 | $ 236,000 |
| Orange, California | 1 | $ 565,000 | $ 565,000 | $ 197,000 |
| Placer, California | 1 | $ 384,000 | $ 384,000 | $ 244,000 |
| San Mateo, California | 1 | $ 517,000 | $ 517,000 | $ 130,000 |
| Ventura, California | 1 | $ 369,000 | $ 369,000 | $ 129,000 |
| Fairfield, Connecticut | 1 | $ 601,000 | $ 601,000 | $ 132,000 |
| Hartford, Connecticut | 1 | $ 261,000 | $ 261,000 | $ 69,000 |
| Middlesex, Connecticut | 1 | $ 260,000 | $ 260,000 | $ 126,000 |
| New Haven, Connecticut | 1 | $ 112,000 | $ 112,000 | $ 156,000 |
| Tolland, Connecticut | 1 | $ 199,000 | $ 199,000 | $ 88,000 |
| Bay, Florida | 1 | $ 417,000 | $ 417,000 | $ 814,000 |
| Leon, Florida | 1 | $ 64,000 | $ 64,000 | $ 116,000 |
| Miami-Dade, Florida | 1 | $ 387,000 | $ 387,000 | $ 308,000 |
| Polk, Florida | 1 | $ 60,000 | $ 60,000 | $ 119,000 |
| Sarasota, Florida | 1 | $ 105,000 | $ 105,000 | $ 159,000 |
| Bibb, Georgia | 1 | $ 107,000 | $ 107,000 | $ 39,000 |
| Chatham, Georgia | 1 | $ 249,000 | $ 249,000 | $ 220,000 |
| Richmond, Georgia | 1 | $ 83,000 | $ 83,000 | $ 60,000 |
| Champaign, Illinois | 1 | $ 105,000 | $ 105,000 | $ 94,000 |
| Jackson, Illinois | 1 | $ 132,000 | $ 132,000 | $ 124,000 |
| Kane, Illinois | 1 | $ 89,000 | $ 89,000 | $ 43,000 |
| Marion, Indiana | 1 | $ 79,000 | $ 79,000 | $ 50,000 |
| Johnson, Iowa | 1 | $ 166,000 | $ 166,000 | $ 88,000 |
| Linn, Iowa | 1 | $ 108,000 | $ 108,000 | $ 46,000 |
| Scott, Iowa | 1 | $ 148,000 | $ 148,000 | $ 84,000 |
| Story, Iowa | 1 | $ 290,000 | $ 290,000 | $ 145,000 |
| Anne Arundel, Maryland | 1 | $ 340,000 | $ 340,000 | $ 186,000 |
| Baltimore City, Maryland | 1 | $ 195,000 | $ 195,000 | $ 94,000 |
| Howard, Maryland | 1 | $ 240,000 | $ 240,000 | $ 46,000 |
| Hampden, Massachusetts | 1 | $ 128,000 | $ 128,000 | $ 66,000 |
| Norfolk, Massachusetts | 1 | $ 508,000 | $ 508,000 | $ 235,000 |
| Anoka, Minnesota | 1 | $ 251,000 | $ 251,000 | $ 142,000 |
| Dakota, Minnesota | 1 | $ 133,000 | $ 133,000 | $ 67,000 |
| Hennepin, Minnesota | 1 | $ 222,000 | $ 222,000 | $ 52,000 |
| Scott, Minnesota | 1 | $ 247,000 | $ 247,000 | $ 64,000 |
| Burlington, New Jersey | 1 | $ 236,000 | $ 236,000 | $ 92,000 |
| Hunterdon, New Jersey | 1 | $ 554,000 | $ 554,000 | $ 190,000 |
| Mercer, New Jersey | 1 | $ 409,000 | $ 409,000 | $ 113,000 |
| Monmouth, New Jersey | 1 | $ 565,000 | $ 565,000 | $ 89,000 |
| Morris, New Jersey | 1 | $ 118,000 | $ 118,000 | $ 106,000 |
| Durham, North Carolina | 1 | $ 108,000 | $ 108,000 | $ 72,000 |
| Cleveland, Oklahoma | 1 | $ 144,000 | $ 144,000 | $ 41,000 |
| Jackson, Oregon | 1 | $ 342,000 | $ 342,000 | $ 93,000 |
| Multnomah, Oregon | 1 | $ 300,000 | $ 300,000 | $ 55,000 |
| Richland, South Carolina | 1 | $ 225,000 | $ 225,000 | $ 362,000 |
| Davidson, Tennessee | 1 | $ 181,000 | $ 181,000 | $ 95,000 |
| Hamilton, Tennessee | 1 | $ 199,000 | $ 199,000 | $ 348,000 |
| Brazoria, Texas | 1 | $ 238,000 | $ 238,000 | $ 66,000 |
| El Paso, Texas | 1 | $ 299,000 | $ 299,000 | $ 294,000 |
| Galveston, Texas | 1 | $ 417,000 | $ 417,000 | $ 192,000 |
| Jefferson, Texas | 1 | $ 165,000 | $ 165,000 | $ 94,000 |
| Montgomery, Texas | 1 | $ 226,000 | $ 226,000 | $ 130,000 |
| Randall, Texas | 1 | $ 150,000 | $ 150,000 | $ 75,000 |
| Smith, Texas | 1 | $ 142,000 | $ 142,000 | $ 81,000 |
| Campbell, Virginia | 1 | $ 210,000 | $ 210,000 | $ 113,000 |
| Chesapeake, Virginia | 1 | $ 235,000 | $ 235,000 | $ 65,000 |
| Chesterfield, Virginia | 1 | $ 318,000 | $ 318,000 | $ 113,000 |
| Manassas, Virginia | 1 | $ 352,000 | $ 352,000 | $ 72,000 |
| Richmond City, Virginia | 1 | $ 122,000 | $ 122,000 | $ 60,000 |
| Stafford, Virginia | 1 | $ 478,000 | $ 478,000 | $ 135,000 |
| Pierce, Washington | 1 | $ 201,000 | $ 201,000 | $ 56,000 |
Mortgage Loan Application Detail Totals for American Finance House Lariba in 2016
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 | 272 | $66,914,000 | $246,000 | $626,000 | $125,000 | $550,000 |
| Home Purchase | 264 | $69,185,000 | $262,000 | $626,000 | $136,000 | $814,000 |
| 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 | 324 | $85,748,000 | $264,000 | $626,000 | $131,000 | $814,000 |
| White | 111 | $26,819,000 | $241,000 | $626,000 | $140,000 | $792,000 |
| Black or African American | 53 | $10,443,000 | $197,000 | $417,000 | $89,000 | $352,000 |
| Not Provided | 46 | $12,743,000 | $277,000 | $626,000 | $155,000 | $727,000 |
| Hispanic | 2 | $346,000 | $173,000 | $201,000 | $94,000 | $125,000 |
| Native Hawaiin or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 536 | $136,099,000 | $253,000 | $626,000 | $131,000 | $814,000 |
| 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 | 295 | $74,196,000 | $251,000 | $626,000 | $141,000 | $814,000 |
| Application Approved But Not Accepted | 112 | $29,640,000 | $264,000 | $626,000 | $118,000 | $384,000 |
| Application Denied By Financial Institution | 94 | $23,250,000 | $247,000 | $626,000 | $103,000 | $387,000 |
| File Closed For Incompleteness | 35 | $9,013,000 | $257,000 | $567,000 | $153,000 | $362,000 |
| Application Withdrawn By Applicant | 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 51 | $13,230,000 | $259,000 | $625,000 | $87,000 | $309,000 |
| Credit History | 18 | $4,160,000 | $231,000 | $586,000 | $142,000 | $387,000 |
| Collateral | 9 | $1,363,000 | $151,000 | $539,000 | $71,000 | $217,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 6 | $1,710,000 | $285,000 | $626,000 | $159,000 | $384,000 |
| Other | 5 | $1,553,000 | $310,000 | $535,000 | $116,000 | $174,000 |
| Unverifiable Information | 3 | $726,000 | $242,000 | $301,000 | $133,000 | $172,000 |
| Employment History | 2 | $508,000 | $254,000 | $382,000 | $79,000 | $99,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into American Finance House Lariba's 2016 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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