American Finance House Lariba Mortgage Rates, Fees & Info
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Mortgage Data
Review & Overview
American Finance House Lariba is a smaller mortgage company specializing in Refi and Home Purchase loans. American Finance House Lariba has a high proportion of conventional loans. Their top markets by origination volume include: Dallas, New York, Washington, Los Angeles, and Houston among others. We have data for 79 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% | 4/21/24 |
| 30 Year Conventional Refi | 6.91% | 4/21/24 |
| 30 Year Cash-out Refi | 7.13% | 4/21/24 |
| 15 Year Conventional Purchase | 6.31% | 4/21/24 |
| 15 Year Conventional Refi | 6.11% | 4/21/24 |
| 15 Year Cash-out Refi | 6.11% | 4/21/24 |
| 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
675Origination Dollar Volume (All Markets)
$208,765,000Awards
AMERICAN FINANCE HOUSE LARIBA - 2020
AMERICAN FINANCE HOUSE LARIBA is a 2020 , due to their low .
For 2020, 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 |
|---|---|---|---|---|---|
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 95 | $24,195,000 | $254,684 | $3,080 | 2.67% |
| Outside of Metro Areas | 62 | $20,610,000 | $332,419 | $3,585 | 2.92% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 49 | $19,205,000 | $391,939 | $3,250 | 2.82% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 52 | $18,590,000 | $357,500 | $2,778 | 2.82% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 37 | $16,245,000 | $439,054 | $3,297 | 2.89% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 41 | $9,305,000 | $226,951 | $3,022 | 2.80% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 21 | $9,025,000 | $429,762 | $3,255 | 2.81% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 30 | $7,510,000 | $250,333 | $2,841 | 2.83% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 24 | $6,910,000 | $287,917 | $2,574 | 2.91% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 14 | $6,510,000 | $465,000 | $4,598 | 2.81% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 13 | $4,285,000 | $329,615 | $3,219 | 2.88% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 17 | $4,215,000 | $247,941 | $2,313 | 2.61% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 8 | $4,070,000 | $508,750 | $2,324 | 3.12% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 7 | $3,785,000 | $540,714 | $4,894 | 2.79% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 13 | $3,605,000 | $277,308 | $3,301 | 2.82% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 8 | $2,340,000 | $292,500 | $3,357 | 2.76% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 9 | $2,305,000 | $256,111 | $2,328 | 2.73% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 7 | $2,195,000 | $313,571 | $2,373 | 2.74% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 7 | $2,035,000 | $290,714 | $2,326 | 2.69% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 4 | $1,970,000 | $492,500 | $2,971 | 3.02% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 7 | $1,825,000 | $260,714 | $2,102 | 2.88% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 6 | $1,760,000 | $293,333 | $3,331 | 2.81% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 3 | $1,655,000 | $551,667 | $2,318 | 2.64% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 4 | $1,630,000 | $407,500 | $3,674 | 2.57% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 4 | $1,570,000 | $392,500 | $3,102 | 2.81% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 6 | $1,530,000 | $255,000 | $2,009 | 3.21% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 6 | $1,390,000 | $231,667 | $4,517 | 2.81% |
| LUBBOCK, TX (FHA|USDA|VA) | 10 | $1,300,000 | $130,000 | $2,895 | 2.90% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 5 | $1,285,000 | $257,000 | $2,639 | 2.57% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 4 | $1,240,000 | $310,000 | $3,311 | 2.68% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 5 | $1,235,000 | $247,000 | $3,270 | 2.71% |
| RICHMOND, VA (FHA|USDA|VA) | 6 | $1,230,000 | $205,000 | $2,019 | 2.69% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 5 | $1,165,000 | $233,000 | $2,693 | 2.67% |
| STOCKTON, CA (FHA|USDA|VA) | 3 | $1,085,000 | $361,667 | $2,462 | 2.99% |
| DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) | 3 | $1,055,000 | $351,667 | $1,475 | 3.52% |
| PEORIA, IL (FHA|USDA|VA) | 5 | $1,035,000 | $207,000 | $3,033 | 2.64% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 5 | $985,000 | $197,000 | $2,205 | 2.75% |
| SPRINGFIELD, MA (FHA|USDA|VA) | 3 | $965,000 | $321,667 | $5,165 | 2.75% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 5 | $905,000 | $181,000 | $1,925 | 2.77% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 3 | $845,000 | $281,667 | $4,176 | 2.68% |
| FRESNO, CA (FHA|USDA|VA) | 3 | $815,000 | $271,667 | $4,369 | 2.86% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 3 | $765,000 | $255,000 | $2,638 | 2.67% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 2 | $750,000 | $375,000 | $3,018 | 2.95% |
| JOHNSON CITY, TN (FHA|USDA|VA) | 2 | $750,000 | $375,000 | $1,852 | 2.49% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 2 | $680,000 | $340,000 | $8,398 | 3.02% |
| TYLER, TX (FHA|USDA|VA) | 3 | $565,000 | $188,333 | $2,930 | 2.57% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 2 | $550,000 | $275,000 | $8,246 | 2.63% |
| ANN ARBOR, MI (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $4,685 | 2.77% |
| TULSA, OK (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $5,179 | 2.88% |
| VISALIA, CA (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $3,442 | 3.00% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $1,572 | 2.68% |
| FLINT, MI (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $2,588 | 2.67% |
| CEDAR RAPIDS, IA (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $1,834 | 2.41% |
| ROANOKE, VA (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $2,619 | 2.60% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $2,452 | 2.61% |
| SHERMAN-DENISON, TX (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $2,139 | 2.44% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $2,834 | 3.63% |
| OCALA, FL (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $2,962 | 3.10% |
| SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $3,269 | 2.63% |
| NORWICH-NEW LONDON, CT (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $2,487 | 2.49% |
| MODESTO, CA (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $3,203 | 2.63% |
| MEDFORD, OR (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $5,904 | 2.48% |
| LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $3,514 | 2.79% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $1,792 | 2.50% |
| ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $2,643 | 2.98% |
| Mason City, IA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $1,727 | 2.62% |
| COLUMBUS, GA-AL (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $2,855 | 2.79% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $2,352 | 2.62% |
| MIDLAND, TX (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $2,154 | 2.90% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,220 | 2.75% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $2,366 | 2.38% |
| Statesboro, GA (FHA|USDA|VA) | 2 | $200,000 | $100,000 | $4,312 | 2.60% |
| COLUMBUS, IN (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $2,112 | 3.20% |
| CHAMPAIGN-URBANA, IL (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $1,792 | 2.30% |
| EL PASO, TX (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $2,539 | 2.88% |
| GAINESVILLE, FL (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,473 | 2.62% |
| SIOUX CITY, IA-NE-SD (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,312 | 3.59% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,170 | 2.30% |
| HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,716 | 2.63% |
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 | 672 | $207,650,000 | $309,003 | $3,099 | 2.80% |
| HELOC | 3 | $1,115,000 | $371,667 | n/a | 2.76% |
For 2020, American Finance House Lariba's most frequently originated type of loan was Conventional, with 672 originations. Their 2nd most popular type was HELOC, with 3 originations.
Loan Reason
For 2020, American Finance House Lariba's most frequently cited loan purpose was Refi, with 495 originations. The 2nd most popular reason was Home Purchase, with 130 originations.
Loan Duration/Length
For 2020, American Finance House Lariba's most frequently cited loan duration was 30 Year, with 363 originations. The 2nd most popular length was 15 Year, with 247 originations.
Origination Fees/Closing Costs
American Finance House Lariba's average total fees were $3,526, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 561 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 2.5-3% | 375 | $120,505,000 | $321,347 |
| <2.5% | 186 | $50,170,000 | $269,731 |
| 3-4% | 108 | $37,000,000 | $342,593 |
| 4-5% | 6 | $1,090,000 | $181,667 |
During 2020, American Finance House Lariba's average interest rate for loans was 2.96%, while their most frequently originated rate bucket for loans was 2.5-3%, with 375 originations.
Loan Sizing
2020 saw American Finance House Lariba place emphasis on $200k-400k loans with 345 originations, totaling $99,435,000 in origination value.
Applicant Income
American Finance House Lariba lent most frequently to those with incomes in the $100k-150k range, with 269 originations. The second most popular income band? $150k-250k, with 179 originations.
Applicant Debt to Income Ratio
American Finance House Lariba lent most frequently to those with DTI ratios of 20-30%, with 260 originations. The next most common DTI ratio? 30-36%, with 140 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications88.56%
American Finance House Lariba has an average approval rate.
Pick Rate
Approvals leading to origination78.22%
American Finance House Lariba has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 675 | $208,765,000 | $309,281 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Site-Built | 675 | $208,765,000 | $309,281 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2020 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| American First Finance, Inc. | Conventional home mortgage | Applying for a mortgage or refinancing an existing mortgage | 1 | 100.0% |