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 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 Atlanta among others. We have data for 75 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% | 4/28/24 |
| 30 Year Conventional Refi | 6.91% | 4/28/24 |
| 30 Year Cash-out Refi | 7.13% | 4/28/24 |
| 15 Year Conventional Purchase | 6.31% | 4/28/24 |
| 15 Year Conventional Refi | 6.11% | 4/28/24 |
| 15 Year Cash-out Refi | 6.11% | 4/28/24 |
| 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
421Origination Dollar Volume (All Markets)
$133,105,000Awards
AMERICAN FINANCE HOUSE LARIBA - 2021
AMERICAN FINANCE HOUSE LARIBA is a 2021 , due to their low .
For 2021, 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) | 56 | $16,740,000 | $298,929 | $4,191 | 2.81% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 34 | $15,400,000 | $452,941 | $4,842 | 2.89% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 30 | $11,120,000 | $370,667 | $4,324 | 2.93% |
| Outside of Metro Areas | 28 | $8,930,000 | $318,929 | $4,319 | 3.00% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 14 | $7,800,000 | $557,143 | $4,968 | 2.92% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 33 | $7,765,000 | $235,303 | $2,859 | 2.76% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 13 | $6,855,000 | $527,308 | $4,259 | 3.01% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 25 | $6,705,000 | $268,200 | $3,924 | 3.08% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 24 | $5,700,000 | $237,500 | $4,259 | 2.92% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 11 | $4,145,000 | $376,818 | $5,778 | 2.73% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 14 | $3,530,000 | $252,143 | $3,211 | 3.00% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 6 | $2,930,000 | $488,333 | $5,222 | 2.97% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 6 | $2,630,000 | $438,333 | $4,816 | 3.15% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 8 | $2,150,000 | $268,750 | $3,141 | 2.97% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 3 | $2,035,000 | $678,333 | $4,001 | 2.90% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 6 | $2,030,000 | $338,333 | $3,950 | 2.90% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 6 | $1,420,000 | $236,667 | $3,100 | 3.14% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 3 | $1,205,000 | $401,667 | $3,328 | 3.04% |
| VALLEJO, CA (FHA|USDA|VA) | 3 | $1,185,000 | $395,000 | $2,117 | 2.51% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 4 | $1,150,000 | $287,500 | $6,020 | 2.92% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 3 | $1,125,000 | $375,000 | $2,992 | 2.92% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 5 | $1,105,000 | $221,000 | $2,663 | 2.83% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 5 | $1,045,000 | $209,000 | $1,789 | 2.97% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 4 | $1,000,000 | $250,000 | $2,037 | 2.97% |
| RICHMOND, VA (FHA|USDA|VA) | 3 | $955,000 | $318,333 | $4,352 | 2.79% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 3 | $885,000 | $295,000 | $5,966 | 2.94% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 3 | $745,000 | $248,333 | $2,608 | 2.64% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 3 | $735,000 | $245,000 | $2,292 | 2.79% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 2 | $670,000 | $335,000 | $3,551 | 3.20% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 4 | $640,000 | $160,000 | $2,657 | 2.58% |
| TULSA, OK (FHA|USDA|VA) | 3 | $635,000 | $211,667 | $3,244 | 2.94% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 3 | $625,000 | $208,333 | $3,110 | 2.65% |
| CHAMPAIGN-URBANA, IL (FHA|USDA|VA) | 2 | $600,000 | $300,000 | $1,792 | 2.78% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 3 | $585,000 | $195,000 | $3,342 | 3.08% |
| AMES, IA (FHA|USDA|VA) | 2 | $550,000 | $275,000 | $2,806 | 2.85% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $5,134 | 2.30% |
| EVANSVILLE, IN-KY (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $2,839 | 3.17% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $4,996 | 3.25% |
| PEORIA, IL (FHA|USDA|VA) | 3 | $415,000 | $138,333 | $1,897 | 2.38% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $2,512 | 2.56% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $2,532 | 2.81% |
| STOCKTON, CA (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $1,542 | 2.70% |
| GAINESVILLE, FL (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $1,937 | 2.29% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $1,657 | 2.32% |
| SPRINGFIELD, MA (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $5,084 | 2.89% |
| DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $1,806 | 2.89% |
| ROCKFORD, IL (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $2,577 | 2.30% |
| EL CENTRO, CA (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $3,403 | 2.96% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $3,905 | 2.74% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $2,097 | 2.50% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $1,792 | 2.71% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $2,634 | 2.88% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $3,829 | 2.50% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $2,324 | 3.24% |
| Bemidji, MN (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $2,563 | 3.18% |
| MODESTO, CA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $2,321 | 2.50% |
| NORWICH-NEW LONDON, CT (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $2,169 | 2.86% |
| SIOUX CITY, IA-NE-SD (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $6,742 | 3.19% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $6,507 | 3.45% |
| CEDAR RAPIDS, IA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $1,872 | 2.45% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,043 | 3.18% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $1,927 | 2.39% |
| LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,032 | 3.18% |
| Statesboro, GA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $4,643 | 2.62% |
| SALEM, OR (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,607 | 2.56% |
| KNOXVILLE, TN (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,112 | 3.29% |
| SEBRING-AVON PARK, FL (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,275 | 3.12% |
| KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,347 | 2.54% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,076 | 3.33% |
| SALINAS, CA (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $1,666 | 3.30% |
| CARBONDALE-MARION, IL (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $2,426 | 3.20% |
| ANN ARBOR, MI (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $2,060 | 2.25% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $2,691 | 2.55% |
| SPARTANBURG, SC (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $2,500 | 3.80% |
| JACKSON, TN (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $1,511 | 2.62% |
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 | 421 | $133,105,000 | $316,164 | $3,865 | 2.89% |
For 2021, American Finance House Lariba's most frequently originated type of loan was Conventional, with 421 originations.
Loan Reason
For 2021, American Finance House Lariba's most frequently cited loan purpose was Refi, with 217 originations. The 2nd most popular reason was Home Purchase, with 168 originations.
Loan Duration/Length
For 2021, American Finance House Lariba's most frequently cited loan duration was 30 Year, with 273 originations. The 2nd most popular length was 15 Year, with 117 originations.
Origination Fees/Closing Costs
American Finance House Lariba's average total fees were $4,288, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 322 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 2.5-3% | 168 | $53,720,000 | $319,762 |
| 3-4% | 166 | $57,100,000 | $343,976 |
| <2.5% | 86 | $22,220,000 | $258,372 |
| 4-5% | 1 | $65,000 | $65,000 |
During 2021, American Finance House Lariba's average interest rate for loans was 3.10%, while their most frequently originated rate bucket for loans was 2.5-3%, with 168 originations.
Loan Sizing
2021 saw American Finance House Lariba place emphasis on $200k-400k loans with 183 originations, totaling $53,985,000 in origination value.
Applicant Income
American Finance House Lariba lent most frequently to those with incomes in the $100k-150k range, with 140 originations. The second most popular income band? $150k-250k, with 94 originations.
Applicant Debt to Income Ratio
American Finance House Lariba lent most frequently to those with DTI ratios of 20-30%, with 122 originations. The next most common DTI ratio? 30-36%, with 74 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications88.64%
American Finance House Lariba has an average approval rate.
Pick Rate
Approvals leading to origination54.87%
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 | 421 | $133,105,000 | $316,164 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2021 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| AMERICAN FINANCING CORPORATION | FHA mortgage | Applying for a mortgage or refinancing an existing mortgage | 3 | 25.0% |
| AMERICAN FINANCING CORPORATION | VA mortgage | Closing on a mortgage | 1 | 8.3% |
| AMERICAN FINANCING CORPORATION | VA mortgage | Applying for a mortgage or refinancing an existing mortgage | 1 | 8.3% |
| AMERICAN FINANCING CORPORATION | Conventional home mortgage | Applying for a mortgage or refinancing an existing mortgage | 3 | 25.0% |
| AMERICAN FINANCING CORPORATION | Conventional home mortgage | Closing on a mortgage | 3 | 25.0% |
| AMERICAN FINANCING CORPORATION | FHA mortgage | Struggling to pay mortgage | 1 | 8.3% |