American Finance House Lariba Mortgage Lending & HMDA Data, 2022
In 2022, American Finance House Lariba of Whittier, CA reported 325 mortgage applications totaling $118.5 million, down 54% from 2021. The average application was for $364,630, and applicants reported an average income of $163,821. 46% of its applications resulted in an originated loan and 15% were denied. Its largest markets were Dallas-Plano-Irving, TX (32), Houston-The Woodlands-Sugar Land, TX (26) and Chicago-Naperville, IL (17) (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 | 325 |
| Total Mortgage Loan Application Amount | $118,505,000 |
| Average Mortgage Loan Application Amount | $364,630 |
| Highest Mortgage Loan Application Amount | $975,000 |
| Average Applicant Income | $163,821 |
| Highest Applicant Income | $1,013,000 |
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records American Finance House Lariba filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Dallas-Plano-Irving, TX | 32 | $ 13,340,000 | $ 416,875 | $ 149,000 |
| Houston-The Woodlands-Sugar Land, TX | 26 | $ 8,210,000 | $ 315,769 | $ 133,000 |
| Chicago-Naperville, IL | 17 | $ 6,705,000 | $ 394,411 | $ 212,000 |
| New York-Newark, NY | 11 | $ 5,065,000 | $ 460,454 | $ 159,000 |
| Atlanta-Sandy Springs-Roswell, GA | 10 | $ 3,460,000 | $ 346,000 | $ 127,000 |
| Los Angeles-Long Beach-Glendale, CA | 8 | $ 3,610,000 | $ 451,250 | $ 139,000 |
| Camden, NJ | 6 | $ 1,310,000 | $ 218,333 | $ 174,000 |
| Newark, NJ-PA | 6 | $ 1,920,000 | $ 320,000 | $ 116,000 |
| Raleigh, NC | 6 | $ 2,030,000 | $ 338,333 | $ 136,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 6 | $ 2,740,000 | $ 456,666 | $ 103,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 6 | $ 2,910,000 | $ 485,000 | $ 149,166 |
| Anaheim-Santa Ana-Irvine, CA | 5 | $ 3,955,000 | $ 791,000 | $ 207,000 |
| Detroit-Dearborn-Livonia, MI | 5 | $ 865,000 | $ 173,000 | $ 387,000 |
| Oklahoma City, OK | 5 | $ 895,000 | $ 179,000 | $ 196,000 |
| Austin-Round Rock, TX | 4 | $ 1,460,000 | $ 365,000 | $ 141,000 |
| Des Moines-West Des Moines, IA | 4 | $ 780,000 | $ 195,000 | $ 159,000 |
| Iowa City, IA | 4 | $ 770,000 | $ 192,500 | $ 84,000 |
| Jacksonville, FL | 4 | $ 1,300,000 | $ 325,000 | $ 231,000 |
| New York-Jersey City-White Plains, NY-NJ | 4 | $ 1,570,000 | $ 392,500 | $ 157,000 |
| Orlando-Kissimmee-Sanford, FL | 4 | $ 1,210,000 | $ 302,500 | $ 275,000 |
| Riverside-San Bernardino-Ontario, CA | 4 | $ 1,310,000 | $ 327,500 | $ 136,000 |
| Fort Worth-Arlington, TX | 3 | $ 605,000 | $ 201,666 | $ 56,000 |
| Hartford-West Hartford-East Hartford, CT | 3 | $ 1,045,000 | $ 348,333 | $ 148,000 |
| Peoria, IL | 3 | $ 595,000 | $ 198,333 | $ 132,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 3 | $ 1,385,000 | $ 461,666 | $ 177,000 |
| Richmond, VA | 3 | $ 765,000 | $ 255,000 | $ 103,000 |
| Santa Rosa, CA | 3 | $ 1,135,000 | $ 378,333 | $ 167,000 |
| Springfield, MA | 3 | $ 835,000 | $ 278,333 | $ 79,000 |
| St. Cloud, MN | 3 | $ 775,000 | $ 258,333 | $ 64,000 |
| Warren-Troy-Farmington Hills, MI | 3 | $ 665,000 | $ 221,666 | $ 96,000 |
| Washington-Baltimore-Arlington, DC | 3 | $ 1,015,000 | $ 338,333 | $ 182,000 |
| Amarillo, TX | 2 | $ 480,000 | $ 240,000 | $ 191,000 |
| Ann Arbor, MI | 2 | $ 630,000 | $ 315,000 | $ 120,000 |
| Baltimore-Columbia-Towson, MD | 2 | $ 780,000 | $ 390,000 | $ 230,000 |
| Cambridge-Newton-Framingham, MA | 2 | $ 1,420,000 | $ 710,000 | $ 205,000 |
| Cape Coral-Fort Myers, FL | 2 | $ 770,000 | $ 385,000 | $ 165,000 |
| Cedar Rapids, IA | 2 | $ 410,000 | $ 205,000 | $ 116,000 |
| Charlotte-Concord-Gastonia, NC-SC | 2 | $ 500,000 | $ 250,000 | $ 131,000 |
| College Station-Bryan, TX | 2 | $ 460,000 | $ 230,000 | $ 506,000 |
| Davenport-Moline-Rock Island, IA-IL | 2 | $ 970,000 | $ 485,000 | $ 475,000 |
| Greensboro-High Point, NC | 2 | $ 150,000 | $ 75,000 | $ 68,000 |
| Greenville, NC | 2 | $ 400,000 | $ 200,000 | $ 129,000 |
| Lake County-Kenosha County, IL-WI | 2 | $ 730,000 | $ 365,000 | $ 119,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 2 | $ 340,000 | $ 170,000 | $ 69,000 |
| Outside any metro area | 2 | $ 750,000 | $ 375,000 | $ 347,500 |
| Oakland-Hayward-Berkeley, CA | 2 | $ 1,810,000 | $ 905,000 | $ 346,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 2 | $ 1,530,000 | $ 765,000 | $ 196,000 |
| Stockton-Lodi, CA | 2 | $ 870,000 | $ 435,000 | $ 271,000 |
| Trenton, NJ | 2 | $ 930,000 | $ 465,000 | $ 275,000 |
| Worcester, MA-CT | 2 | $ 980,000 | $ 490,000 | $ 114,000 |
| Ames, IA | 1 | $ 325,000 | $ 325,000 | $ 90,000 |
| Augusta-Richmond County, GA-SC | 1 | $ 265,000 | $ 265,000 | $ 73,000 |
| Bakersfield, CA | 1 | $ 165,000 | $ 165,000 | $ 157,000 |
| Boston, MA | 1 | $ 505,000 | $ 505,000 | $ 120,000 |
| Durham-Chapel Hill, NC | 1 | $ 225,000 | $ 225,000 | $ 120,000 |
| El Paso, TX | 1 | $ 645,000 | $ 645,000 | $ 751,000 |
| Elgin, IL | 1 | $ 175,000 | $ 175,000 | $ 68,000 |
| Fayetteville, NC | 1 | $ 205,000 | $ 205,000 | $ 62,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 305,000 | $ 305,000 | $ 57,000 |
| Fresno, CA | 1 | $ 175,000 | $ 175,000 | $ 100,000 |
| Gainesville, FL | 1 | $ 295,000 | $ 295,000 | $ 160,000 |
| Kalamazoo-Portage, MI | 1 | $ 305,000 | $ 305,000 | $ 98,000 |
| Killeen-Temple, TX | 1 | $ 175,000 | $ 175,000 | $ 216,000 |
| Knoxville, TN | 1 | $ 155,000 | $ 155,000 | $ 10,000 |
| Memphis, TN-MS-AR | 1 | $ 365,000 | $ 365,000 | $ 119,000 |
| Modesto, CA | 1 | $ 525,000 | $ 525,000 | $ 243,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 1 | $ 235,000 | $ 235,000 | $ 37,000 |
| New Haven-Milford, CT | 1 | $ 305,000 | $ 305,000 | $ 89,000 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 205,000 | $ 205,000 | $ 111,000 |
| Providence-Warwick, RI-MA | 1 | $ 65,000 | $ 65,000 | $ 140,000 |
| Salinas, CA | 1 | $ 655,000 | $ 655,000 | $ 207,000 |
| San Diego-Carlsbad, CA | 1 | $ 395,000 | $ 395,000 | $ 281,000 |
| Seattle-Bellevue-Everett, WA | 1 | $ 615,000 | $ 615,000 | $ 61,000 |
| Tampa-St. Petersburg-Clearwater, FL | 1 | $ 165,000 | $ 165,000 | $ 74,000 |
| Tulsa, OK | 1 | $ 125,000 | $ 125,000 | $ 9,000 |
| Tyler, TX | 1 | $ 575,000 | $ 575,000 | $ 115,000 |
| Visalia-Porterville, CA | 1 | $ 285,000 | $ 285,000 | $ 77,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 1 | $ 645,000 | $ 645,000 | $ 600,000 |
| Winston-Salem, NC | 1 | $ 155,000 | $ 155,000 | $ 111,000 |
Mortgage Loan Application Detail Totals for American Finance House Lariba in 2022
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 | 242 | $93,680,000 | $387,000 | $975,000 | $170,000 | $987,000 |
| Refinancing | 67 | $19,775,000 | $295,000 | $835,000 | $146,000 | $1,013,000 |
| Cash-out Refinancing | 16 | $5,050,000 | $315,000 | $725,000 | $145,000 | $303,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 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 | 229 | $83,395,000 | $364,000 | $975,000 | $159,000 | $1,013,000 |
| White | 51 | $19,335,000 | $379,000 | $865,000 | $208,000 | $987,000 |
| Black or African American | 31 | $10,295,000 | $332,000 | $835,000 | $130,000 | $332,000 |
| Not Provided | 8 | $2,480,000 | $310,000 | $645,000 | $145,000 | $375,000 |
| Hispanic | 3 | $1,145,000 | $381,000 | $565,000 | $155,000 | $285,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $835,000 | $835,000 | $835,000 | $190,000 | $190,000 |
| 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) | 325 | $118,505,000 | $364,000 | $975,000 | $164,000 | $1,013,000 |
| 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 | 149 | $52,285,000 | $350,000 | $975,000 | $168,000 | $751,000 |
| Application Approved But Not Accepted | 124 | $49,040,000 | $395,000 | $975,000 | $181,000 | $1,013,000 |
| Application Denied By Financial Institution | 49 | $15,345,000 | $313,000 | $825,000 | $108,000 | $534,000 |
| Application Withdrawn By Applicant | 2 | $1,240,000 | $620,000 | $725,000 | $170,000 | $194,000 |
| File Closed For Incompleteness | 1 | $595,000 | $595,000 | $595,000 | $146,000 | $146,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 276 | $103,160,000 | $373,000 | $975,000 | $174,000 | $1,013,000 |
| Debt-To-Income Ratio | 29 | $10,015,000 | $345,000 | $825,000 | $95,000 | $262,000 |
| Other | 13 | $3,055,000 | $235,000 | $445,000 | $131,000 | $534,000 |
| Collateral | 2 | $610,000 | $305,000 | $525,000 | $140,000 | $145,000 |
| Credit History | 2 | $860,000 | $430,000 | $435,000 | $134,000 | $153,000 |
| Credit Application Incomplete | 1 | $155,000 | $155,000 | $155,000 | $130,000 | $130,000 |
| Unverifiable Information | 1 | $375,000 | $375,000 | $375,000 | $87,000 | $87,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $275,000 | $275,000 | $275,000 | $99,000 | $99,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into American Finance House Lariba's 2022 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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