American Riviera Bank Mortgage Rates, Fees & InfoSanta Barbara, CA
Tax ID: 20-5071344
Latest/2022 | 2021 Data | 2020 Data | 2019 Data | 2018 Data
Review & OverviewAmerican Riviera Bank is a smaller bank specializing in Refi loans. American Riviera Bank has a high proportion of conventional loans. Their top markets by origination volume include: Santa Maria, San Luis Obispo, Salinas, Oxnard, and Los Angeles among others. We have data for 6 markets. (Some data included below & more in-depth data is available with an active subscription.)
American Riviera Bank has an above average approval rate when compared to the average across all lenders. They have an above average pick rate when compared to similar lenders.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.
Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.
Origination Dollar Volume (All Markets)$104,120,000
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
|Market||Originations||Total Value||Average Loan||Average Fees||Average Rate|
|SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA)||53||$73,285,000||$1,382,736||$0||0.00%|
|SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA)||25||$21,375,000||$855,000||$0||0.00%|
|SALINAS, CA (FHA|USDA|VA)||2||$4,460,000||$2,230,000||$0||0.00%|
|OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA)||2||$3,880,000||$1,940,000||$0||0.00%|
|Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA)||1||$695,000||$695,000||$0||0.00%|
|MODESTO, CA (FHA|USDA|VA)||1||$425,000||$425,000||$0||0.00%|
|Loan Type||Originations||Total Value||Avg. Loan||Avg. Fees||Avg. Rate|
For 2022, American Riviera Bank's most frequently originated type of loan was Conventional, with 84 originations.
|Loan Reason||Originations||Total Value||Avg. Loan||Avg. Fees||Avg. Rate|
|Cash Out Refi||21||$17,725,000||$844,048||$0||0.00%|
For 2022, American Riviera Bank's most frequently cited loan purpose was Refi, with 46 originations. The 2nd most popular reason was Cash Out Refi, with 21 originations.
|Loan Length||Originations||Total Value||Average Loan||Average Fees||Average Rate|
For 2022, American Riviera Bank's most frequently cited loan duration was Other, with 84 originations.
2022 saw American Riviera Bank place emphasis on $1MM+ loans with 32 originations, totaling $75,560,000 in origination value.
American Riviera Bank lent most frequently to those with incomes in the $250k+ range, with 14 originations. The second most popular income band? $150k-250k, with 10 originations.
Applicant Debt to Income Ratio
|DTI Ratio||Originations||Total Value||Average Loan||Average Fees||Average Rate|
American Riviera Bank lent most frequently to those with DTI ratios of Exempt%, with 84 originations.
Approval RatesTotal approvals of all applications
American Riviera Bank has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick RateApprovals leading to origination
American Riviera Bank has an average pick rate.
Points and Fees
|Points||Originations||Total Value||Average Loan|
|Bank Name||Product||Issue||2022 CPFB Complaints||% of Total Issues|
|AMERIS BANCORP||Conventional home mortgage||Trouble during payment process||1||100.0%|