# AMERICAN FINANCE HOUSE LARIBA

> **Canonical URL:** https://saferate.com/lenders/american-finance-house-lariba

> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible

AMERICAN FINANCE HOUSE LARIBA is a independent mortgage company, headquartered in WHITTIER, CA, serving borrowers across 16 states, with 91 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 55% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 77% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300I3HDJ5QJNFPZ87
- **Headquarters:** WHITTIER, CA
- **Geographic Reach:** Multi-Region
- **States Served:** 16
- **State List:** CA, FL, GA, IA, IL, IN, MA, MD, MI, MN, NC, NJ, OK, OR, TN, TX
- **Markets (MSAs):** 1
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 99.1%
- **Brokered/Wholesale:** 0.9%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 45/100
- Rating: ●●●○○ (3/5)

### Pull Through: Acceptable 🙂
- Score: 23/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** +0.272%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,373
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 91
- **Dollar Volume:** $35 million
- **Applications Received:** 228
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $384,231
- **Average Borrower Income:** $197,286

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 26/100 | 91 | +0.272% | $2,373 | Acceptable 🙂 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 83 loans, Score: 29/100 (Acceptable)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 28/100 | 83 | $33M | +0.261% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| TX | 30 | 0.01% | 51/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Dallas | TX | 14 | 48/100 |

## Frequently Asked Questions

### What loan types does AMERICAN FINANCE HOUSE LARIBA offer?

AMERICAN FINANCE HOUSE LARIBA offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does AMERICAN FINANCE HOUSE LARIBA offer mortgages?

AMERICAN FINANCE HOUSE LARIBA offers mortgages in 16 states: CA, FL, GA, IA, IL, IN, MA, MD, MI, MN, NC, NJ, OK, OR, TN, TX.

### How competitive are AMERICAN FINANCE HOUSE LARIBA's mortgage rates?

AMERICAN FINANCE HOUSE LARIBA has a pricing score of 45/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.272% above market average.

### What type of lender is AMERICAN FINANCE HOUSE LARIBA?

AMERICAN FINANCE HOUSE LARIBA is a non-depository lender that specializes in mortgage origination, headquartered in WHITTIER, CA.

### What is AMERICAN FINANCE HOUSE LARIBA's loan approval success rate?

AMERICAN FINANCE HOUSE LARIBA has a pull-through score of 23/100 (Acceptable). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-05-29
**Canonical URL:** https://saferate.com/lenders/american-finance-house-lariba

### How to Cite

> "AMERICAN FINANCE HOUSE LARIBA Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/american-finance-house-lariba

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