American Finance House Lariba Mortgage Rates, Fees & Info

WHITTIER, CA

LEI: 549300I3HDJ5QJNFPZ87

Tax ID: 95-4196389

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Mortgage Data

Review & Overview

American Finance House Lariba is a smaller mortgage company specializing in Home Purchase and Refi loans. American Finance House Lariba has a high proportion of conventional loans. Their top markets by origination volume include: New York, Houston, Washington, Atlanta, and Los Angeles among others. We have data for 57 markets. (Some data included below & more in-depth data is available with an active subscription.)

American Finance House Lariba has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. American Finance House Lariba is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

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.

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SimulatedRates™

Mortgage Type
Simulated Rate Simulation Date
30 Year Conventional Purchase 7.05% 10/31/24
30 Year Conventional Refi 6.91% 10/31/24
30 Year Cash-out Refi 7.13% 10/31/24
15 Year Conventional Purchase 6.31% 10/31/24
15 Year Conventional Refi 6.11% 10/31/24
15 Year Cash-out Refi 6.11% 10/31/24
These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

American Finance House Lariba Mortgage Calculator






Your Estimates

Estimated Loan Payment: Update the calculator values and click calculate payment!

This is not an official calculator from American Finance House Lariba. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

The default purchase price is the median sales price across the US for 2022Q4, per FRED.


Originations

234

Origination Dollar Volume (All Markets)

$72,540,000

Awards

AMERICAN FINANCE HOUSE LARIBA 30 Year Conventional Loans silver
Show all (1) awards

Top Markets

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
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 15 $5,905,000 $393,667 $4,262 4.03%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 20 $5,760,000 $288,000 $5,625 4.06%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 13 $5,665,000 $435,769 $4,443 3.81%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 21 $5,645,000 $268,810 $4,002 4.15%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 12 $5,490,000 $457,500 $4,715 3.84%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 20 $5,140,000 $257,000 $3,663 4.18%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 10 $4,150,000 $415,000 $6,208 4.34%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 11 $3,535,000 $321,364 $4,074 3.95%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 6 $3,390,000 $565,000 $4,432 3.95%
Outside of Metro Areas 9 $2,645,000 $293,889 $2,872 3.97%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 5 $1,775,000 $355,000 $5,736 4.34%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 6 $1,660,000 $276,667 $4,503 4.28%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 4 $1,400,000 $350,000 $4,518 3.85%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 2 $1,320,000 $660,000 $7,345 3.86%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 6 $1,280,000 $213,333 $4,261 3.72%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 5 $1,265,000 $253,000 $3,897 3.80%
RALEIGH-CARY, NC (FHA|USDA|VA) 3 $1,145,000 $381,667 $2,461 3.78%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 5 $985,000 $197,000 $3,747 3.88%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 2 $960,000 $480,000 $5,549 4.07%
OKLAHOMA CITY, OK (FHA|USDA|VA) 6 $930,000 $155,000 $2,231 4.24%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 3 $705,000 $235,000 $3,375 3.86%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 2 $680,000 $340,000 $4,489 4.38%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 2 $660,000 $330,000 $4,575 4.36%
RICHMOND, VA (FHA|USDA|VA) 3 $635,000 $211,667 $2,767 3.43%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 2 $620,000 $310,000 $2,394 4.03%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 3 $595,000 $198,333 $3,652 4.15%
TULSA, OK (FHA|USDA|VA) 2 $550,000 $275,000 $5,727 4.42%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 2 $550,000 $275,000 $3,998 3.76%
MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 2 $520,000 $260,000 $4,368 4.04%
HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 2 $490,000 $245,000 $4,614 4.16%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 1 $425,000 $425,000 $3,972 3.88%
GAINESVILLE, FL (FHA|USDA|VA) 1 $415,000 $415,000 $4,507 4.00%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 1 $385,000 $385,000 $13,378 3.83%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 1 $345,000 $345,000 $2,027 4.00%
DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) 1 $325,000 $325,000 $1,907 4.12%
MODESTO, CA (FHA|USDA|VA) 1 $315,000 $315,000 $2,965 5.13%
PEORIA, IL (FHA|USDA|VA) 1 $315,000 $315,000 $1,973 4.38%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 2 $310,000 $155,000 $4,014 4.44%
CEDAR RAPIDS, IA (FHA|USDA|VA) 1 $295,000 $295,000 $2,340 4.37%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 1 $285,000 $285,000 $10,831 3.75%
ODESSA, TX (FHA|USDA|VA) 1 $265,000 $265,000 $6,596 3.88%
BAKERSFIELD, CA (FHA|USDA|VA) 2 $260,000 $130,000 $6,285 3.86%
JACKSONVILLE, FL (FHA|USDA|VA) 1 $255,000 $255,000 $4,998 4.50%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 2 $250,000 $125,000 $3,106 4.00%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 1 $245,000 $245,000 $2,267 3.50%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 1 $225,000 $225,000 $4,845 3.73%
NORWICH-NEW LONDON, CT (FHA|USDA|VA) 1 $205,000 $205,000 $2,312 4.00%
MIDLAND, TX (FHA|USDA|VA) 1 $205,000 $205,000 $3,370 4.00%
AMES, IA (FHA|USDA|VA) 1 $165,000 $165,000 $2,427 3.74%
TRENTON-PRINCETON, NJ (FHA|USDA|VA) 1 $155,000 $155,000 $7,348 5.16%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 1 $155,000 $155,000 $3,154 5.38%
FORT WAYNE, IN (FHA|USDA|VA) 1 $145,000 $145,000 $2,149 4.65%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 1 $145,000 $145,000 $2,549 4.50%
ANN ARBOR, MI (FHA|USDA|VA) 1 $135,000 $135,000 $2,397 3.38%
Statesboro, GA (FHA|USDA|VA) 1 $105,000 $105,000 $3,684 3.34%
SPRINGFIELD, IL (FHA|USDA|VA) 1 $95,000 $95,000 $2,039 4.38%
KNOXVILLE, TN (FHA|USDA|VA) 1 $65,000 $65,000 $2,421 4.13%
American Finance House Lariba's top markets include New York, Houston, Washington, Atlanta, and Los Angeles among others.

Their top states include:
  • California (FHA|USDA|VA)
  • Texas (FHA|USDA|VA)
  • New Jersey (FHA|USDA|VA)
  • Georgia (FHA|USDA|VA)
  • Virginia (FHA|USDA|VA)
  • Similar Lenders

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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 234 $72,540,000 $310,000 $4,297 4.05%

    For 2019, American Finance House Lariba's most frequently originated type of loan was Conventional, with 234 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 150 $44,940,000 $299,600 $4,620 4.14%
    Refi 59 $20,515,000 $347,712 $3,492 3.80%
    Cash Out Refi 25 $7,085,000 $283,400 $4,265 4.06%

    For 2019, American Finance House Lariba's most frequently cited loan purpose was Home Purchase, with 150 originations. The 2nd most popular reason was Refi, with 59 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 168 $54,450,000 $324,107 $4,561 4.18%
    15 Year 51 $14,135,000 $277,157 $3,865 3.57%
    20 Year 9 $3,055,000 $339,444 $3,117 3.98%
    10 Year 4 $810,000 $202,500 $3,177 3.88%
    5 Year 2 $90,000 $45,000 $416 5.50%

    For 2019, American Finance House Lariba's most frequently cited loan duration was 30 Year, with 168 originations. The 2nd most popular length was 15 Year, with 51 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 135 $43,205,000 $320,037
    $5k+ 25 $10,745,000 $429,800
    $2k-3k 22 $4,940,000 $224,545
    $3k-4k 20 $5,580,000 $279,000
    $1k-2k 19 $4,245,000 $223,421
    $4k-5k 13 $3,825,000 $294,231

    American Finance House Lariba's average total fees were $4,561, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 135 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 134 $43,780,000 $326,716
    4-5% 87 $26,165,000 $300,747
    5-6% 10 $1,890,000 $189,000
    2.5-3% 2 $360,000 $180,000
    % 1 $345,000 $345,000

    During 2019, American Finance House Lariba's average interest rate for loans was 4.18%, while their most frequently originated rate bucket for loans was 3-4%, with 134 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 113 $33,505,000 $296,504 $4,172 4.06%
    $100k-200k 52 $8,120,000 $156,154 $3,874 4.05%
    $400k-600k 51 $24,385,000 $478,137 $5,193 3.96%
    $100,000 or less 9 $605,000 $67,222 $2,195 4.33%
    $600k-1MM 9 $5,925,000 $658,333 $5,304 4.07%

    2019 saw American Finance House Lariba place emphasis on $200k-400k loans with 113 originations, totaling $33,505,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 82 $28,480,000 $347,317 $4,463 4.07%
    $150k-250k 51 $18,745,000 $367,549 $4,546 4.01%
    $75k-100k 35 $8,425,000 $240,714 $3,933 4.07%
    $50k-75k 30 $6,390,000 $213,000 $3,730 4.08%
    $250k+ 19 $7,595,000 $399,737 $5,443 4.01%
    $50k or less 17 $2,905,000 $170,882 $3,189 3.98%

    American Finance House Lariba lent most frequently to those with incomes in the $100k-150k range, with 82 originations. The second most popular income band? $150k-250k, with 51 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 69 $21,895,000 $317,319 $4,443 4.04%
    30-36% 51 $15,935,000 $312,451 $4,188 3.81%
    <20% 22 $5,850,000 $265,909 $3,503 4.05%
    41% 11 $4,145,000 $376,818 $4,880 3.92%
    37% 10 $3,270,000 $327,000 $3,757 4.32%
    42% 9 $2,325,000 $258,333 $4,768 4.12%
    38% 9 $1,835,000 $203,889 $3,251 4.08%
    40% 8 $3,140,000 $392,500 $3,993 3.99%
    36% 8 $2,430,000 $303,750 $4,671 4.18%
    43% 8 $2,550,000 $318,750 $5,410 4.36%
    39% 7 $1,615,000 $230,714 $4,763 4.52%
    46% 5 $1,715,000 $343,000 $3,424 4.12%
    45% 5 $2,165,000 $433,000 $4,803 4.19%
    44% 3 $805,000 $268,333 $3,814 4.54%
    47% 3 $995,000 $331,667 $5,392 4.19%
    50-60% 2 $780,000 $390,000 $5,367 4.00%
    >60% 2 $540,000 $270,000 $2,907 4.68%
    48% 1 $365,000 $365,000 $9,673 4.47%
    49% 1 $185,000 $185,000 $4,414 2.94%

    American Finance House Lariba lent most frequently to those with DTI ratios of 20-30%, with 69 originations. The next most common DTI ratio? 30-36%, with 51 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    Asian 144 $46,430,000 $322,431 $4,360 4.02%
    White 60 $18,680,000 $311,333 $4,316 4.11%
    Black 17 $4,255,000 $250,294 $3,978 4.13%
    Not provided 10 $2,490,000 $249,000 $3,594 3.99%
    Other Asian 1 $315,000 $315,000 $8,775 4.14%
    Native Hawaiian or Islander 1 $305,000 $305,000 $3,725 3.38%
    Not applicable 1 $65,000 $65,000 $2,628 3.24%

    Approval Rates

    Total approvals of all applications
    87.95%

    American Finance House Lariba has an average approval rate.

    Pick Rate

    Approvals leading to origination
    54.70%

    American Finance House Lariba has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 234 $72,540,000 $310,000

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Single Family (1-4 Units):Site-Built 234 $72,540,000 $310,000

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 6 $1,150,000 $191,667 $2,871 3.65%
    40-60% 37 $12,385,000 $334,730 $3,641 3.91%
    60-80% 107 $33,205,000 $310,327 $4,666 4.00%
    80-100% 82 $25,710,000 $313,537 $4,310 4.17%
    Under 20% 2 $90,000 $45,000 $416 5.50%

    Complaints

    Bank Name Product Issue 2019 CPFB Complaints % of Total Issues
    AMERICAN HONDA FINANCE CORP Conventional home mortgage Incorrect information on your report 1 100.0%