American Finance House Lariba Mortgage Rates, Fees & Info
WHITTIER, CALEI: 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.
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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
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
234Origination Dollar Volume (All Markets)
$72,540,000Awards
AMERICAN FINANCE HOUSE LARIBA - 2019
AMERICAN FINANCE HOUSE LARIBA is a 2019 , due to their low .
For 2019, less than of lenders were eligible for this award.
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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% |
Similar Lenders
We use machine learning to identify the top lenders compared against AMERICAN FINANCE HOUSE LARIBA based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
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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
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
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
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
2019 saw American Finance House Lariba place emphasis on $200k-400k loans with 113 originations, totaling $33,505,000 in origination value.
Applicant Income
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
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
Approval Rates
Total approvals of all applications87.95%
American Finance House Lariba has an average approval rate.
Pick Rate
Approvals leading to origination54.70%
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
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% |