American Finance House Lariba Mortgage Lending & HMDA Data, 2024
In 2024, American Finance House Lariba of Whittier, CA reported 233 mortgage applications totaling $95.2 million, down 6% from 2023. The average application was for $408,476, and applicants reported an average income of $186,652. 39% of its applications resulted in an originated loan and 22% were denied. Its largest markets were Dallas-Plano-Irving, TX (25), Atlanta-Sandy Springs-Roswell, GA (19) and Houston-The Woodlands-Sugar Land, TX (19) (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 | 233 |
| Total Mortgage Loan Application Amount | $95,175,000 |
| Average Mortgage Loan Application Amount | $408,476 |
| Highest Mortgage Loan Application Amount | $1,145,000 |
| Average Applicant Income | $186,652 |
| Highest Applicant Income | $1,130,000 |
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records American Finance House Lariba filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 25 | $ 12,675,000 | $ 507,000 | $ 295,000 |
| Atlanta-Sandy Springs-Roswell, GA | 19 | $ 7,135,000 | $ 375,526 | $ 153,000 |
| Houston-The Woodlands-Sugar Land, TX | 19 | $ 5,565,000 | $ 292,894 | $ 137,000 |
| Baltimore-Columbia-Towson, MD | 12 | $ 5,190,000 | $ 432,500 | $ 172,000 |
| Chicago-Naperville, IL | 9 | $ 2,825,000 | $ 313,888 | $ 194,000 |
| Outside any metro area | 8 | $ 2,070,000 | $ 258,750 | $ 117,875 |
| Riverside-San Bernardino-Ontario, CA | 8 | $ 5,190,000 | $ 648,750 | $ 234,000 |
| Austin-Round Rock, TX | 7 | $ 3,015,000 | $ 430,714 | $ 185,000 |
| Lakewood-New Brunswick, NJ | 6 | $ 3,550,000 | $ 591,666 | $ 177,000 |
| Oklahoma City, OK | 6 | $ 2,110,000 | $ 351,666 | $ 270,000 |
| Warren-Troy-Farmington Hills, MI | 6 | $ 1,510,000 | $ 251,666 | $ 146,000 |
| Indianapolis-Carmel-Anderson, IN | 5 | $ 705,000 | $ 141,000 | $ 158,000 |
| Peoria, IL | 5 | $ 1,715,000 | $ 343,000 | $ 159,000 |
| Raleigh, NC | 5 | $ 1,845,000 | $ 369,000 | $ 136,000 |
| Arlington-Alexandria-Reston, VA-WV | 4 | $ 2,190,000 | $ 547,500 | $ 178,000 |
| Greensboro-High Point, NC | 4 | $ 1,050,000 | $ 262,500 | $ 109,000 |
| Orlando-Kissimmee-Sanford, FL | 4 | $ 1,780,000 | $ 445,000 | $ 228,000 |
| Anaheim-Santa Ana-Irvine, CA | 3 | $ 2,165,000 | $ 721,666 | $ 265,000 |
| Fort Worth-Arlington, TX | 3 | $ 995,000 | $ 331,666 | $ 276,000 |
| Marietta, GA | 3 | $ 745,000 | $ 248,333 | $ 244,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 3 | $ 1,525,000 | $ 508,333 | $ 175,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 3 | $ 1,225,000 | $ 408,333 | $ 153,000 |
| San Diego-Carlsbad, CA | 3 | $ 1,855,000 | $ 618,333 | $ 274,000 |
| Tampa, FL | 3 | $ 855,000 | $ 285,000 | $ 116,000 |
| Tulsa, OK | 3 | $ 975,000 | $ 325,000 | $ 125,000 |
| Washington, DC-MD | 3 | $ 1,755,000 | $ 585,000 | $ 211,000 |
| Boston, MA | 2 | $ 1,180,000 | $ 590,000 | $ 163,000 |
| Cambridge-Newton-Framingham, MA | 2 | $ 1,030,000 | $ 515,000 | $ 180,000 |
| Charlotte-Concord-Gastonia, NC-SC | 2 | $ 570,000 | $ 285,000 | $ 171,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 2 | $ 1,260,000 | $ 630,000 | $ 217,000 |
| Jacksonville, FL | 2 | $ 470,000 | $ 235,000 | $ 180,000 |
| Memphis, TN-MS-AR | 2 | $ 250,000 | $ 125,000 | $ 141,000 |
| New York-Jersey City-White Plains, NY-NJ | 2 | $ 1,180,000 | $ 590,000 | $ 144,000 |
| Newark, NJ-PA | 2 | $ 450,000 | $ 225,000 | $ 27,000 |
| Palm Bay-Melbourne-Titusville, FL | 2 | $ 960,000 | $ 480,000 | $ 198,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 2 | $ 1,350,000 | $ 675,000 | $ 257,000 |
| Richmond, VA | 2 | $ 650,000 | $ 325,000 | $ 58,000 |
| Stockton-Lodi, CA | 2 | $ 910,000 | $ 455,000 | $ 151,000 |
| Trenton, NJ | 2 | $ 1,150,000 | $ 575,000 | $ 211,000 |
| Waterbury-Shelton, CT | 2 | $ 650,000 | $ 325,000 | $ 122,000 |
| Ann Arbor, MI | 1 | $ 255,000 | $ 255,000 | $ 162,000 |
| Atlantic City-Hammonton, NJ | 1 | $ 415,000 | $ 415,000 | $ 143,000 |
| Beaumont-Port Arthur, TX | 1 | $ 235,000 | $ 235,000 | $ 112,000 |
| Camden, NJ | 1 | $ 195,000 | $ 195,000 | $ 235,000 |
| Chattanooga, TN-GA | 1 | $ 305,000 | $ 305,000 | $ 88,000 |
| College Station-Bryan, TX | 1 | $ 395,000 | $ 395,000 | $ 146,000 |
| Columbia, SC | 1 | $ 285,000 | $ 285,000 | $ 71,000 |
| Davenport-Moline-Rock Island, IA-IL | 1 | $ 465,000 | $ 465,000 | $ 419,000 |
| Elgin, IL | 1 | $ 475,000 | $ 475,000 | $ 163,000 |
| Fresno, CA | 1 | $ 385,000 | $ 385,000 | $ 90,000 |
| Green Bay, WI | 1 | $ 365,000 | $ 365,000 | $ 243,000 |
| Johnson City, TN | 1 | $ 385,000 | $ 385,000 | $ 120,000 |
| Lawton, OK | 1 | $ 55,000 | $ 55,000 | $ 145,000 |
| McAllen-Edinburg-Mission, TX | 1 | $ 325,000 | $ 325,000 | $ 123,000 |
| Miami-Miami Beach-Kendall, FL | 1 | $ 535,000 | $ 535,000 | $ 437,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 1 | $ 555,000 | $ 555,000 | $ 137,000 |
| Oakland-Hayward-Berkeley, CA | 1 | $ 1,055,000 | $ 1,055,000 | $ 354,000 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 175,000 | $ 175,000 | $ 164,000 |
| Rochester, MN | 1 | $ 205,000 | $ 205,000 | $ 184,000 |
| Salinas, CA | 1 | $ 705,000 | $ 705,000 | $ 103,000 |
| San Antonio-New Braunfels, TX | 1 | $ 205,000 | $ 205,000 | $ 26,000 |
| San Francisco-Redwood City-South San Francisco, CA | 1 | $ 1,145,000 | $ 1,145,000 | $ 388,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 1 | $ 905,000 | $ 905,000 | $ 252,000 |
| Springfield, MA | 1 | $ 225,000 | $ 225,000 | $ 62,000 |
| Washington-Baltimore-Arlington, DC | 1 | $ 385,000 | $ 385,000 | $ 300,000 |
| Winston-Salem, NC | 1 | $ 265,000 | $ 265,000 | $ 99,000 |
Mortgage Loan Application Detail Totals for American Finance House Lariba in 2024
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 | 204 | $85,990,000 | $421,000 | $1,145,000 | $189,000 | $1,130,000 |
| Refinancing | 19 | $6,235,000 | $328,000 | $935,000 | $146,000 | $288,000 |
| Cash-out Refinancing | 10 | $2,950,000 | $295,000 | $505,000 | $216,000 | $468,000 |
| 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 | 173 | $73,005,000 | $421,000 | $1,145,000 | $194,000 | $1,130,000 |
| White | 42 | $15,170,000 | $361,000 | $975,000 | $167,000 | $404,000 |
| Black or African American | 15 | $5,775,000 | $385,000 | $715,000 | $156,000 | $291,000 |
| Hispanic | 3 | $1,225,000 | $408,000 | $505,000 | $122,000 | $165,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 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) | 233 | $95,175,000 | $408,000 | $1,145,000 | $186,000 | $1,130,000 |
| 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 |
|---|---|---|---|---|---|---|
| Application Approved But Not Accepted | 91 | $41,675,000 | $457,000 | $1,145,000 | $196,000 | $1,130,000 |
| Loan Originated | 91 | $34,965,000 | $384,000 | $1,105,000 | $197,000 | $565,000 |
| Application Denied By Financial Institution | 51 | $18,535,000 | $363,000 | $1,015,000 | $150,000 | $348,000 |
| Application Withdrawn By Applicant | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 182 | $76,640,000 | $421,000 | $1,145,000 | $196,000 | $1,130,000 |
| Other | 24 | $7,390,000 | $307,000 | $685,000 | $170,000 | $313,000 |
| Debt-To-Income Ratio | 20 | $9,440,000 | $472,000 | $1,015,000 | $142,000 | $348,000 |
| Collateral | 3 | $785,000 | $261,000 | $435,000 | $124,000 | $212,000 |
| Credit History | 3 | $805,000 | $268,000 | $315,000 | $107,000 | $183,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $115,000 | $115,000 | $115,000 | $43,000 | $43,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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 2024 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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