American Finance House Lariba at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the B grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
37th13.0% deniedPricingmedian rate spread over APOR, weight 30%
67th0.14 ptsProcesswithdrawn + incomplete share, weight 15%
95th0.0%Closing coststotal loan costs ÷ loan amount, weight 10%
63rd1.55% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 247 | 118 | 16.2% | 16.2% | 6.88% | $43M |
| 2024 | 233 | 91 | 21.9% | 21.9% | 6.85% | $35M |
| 2025 | 169 | 79 | 13.0% | 13.0% | 6.50% | $33M |
What American Finance House Lariba lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 0 manufactured homes, 33 investment properties.
Why American Finance House Lariba denies applications
Primary reason reported for each of the 22 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at American Finance House Lariba
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 25 | 12 | 16.0% |
| $100k – $150k | 38 | 16 | 18.4% |
| $150k – $250k | 56 | 29 | 12.5% |
| Over $250k | 42 | 18 | 2.4% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 28 | 11 | 7.1% |
| 35–44 | 63 | 25 | 11.1% |
| 45–54 | 50 | 27 | 16.0% |
| 55–64 | 20 | 11 | 15.0% |
Where American Finance House Lariba lends
11 states and 73 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Texas | 43 | 19 | 14.0% | 6.25% | #727 |
| California | 25 | 13 | 12.0% | 6.63% | #615 |
| Georgia | 20 | 8 | 25.0% | 6.56% | #574 |
| Florida | 17 | 11 | 5.9% | 6.38% | #793 |
| New Jersey | 13 | 8 | 7.7% | 6.31% | #505 |
| Virginia | 13 | 7 | 15.4% | 6.63% | #543 |
| Maryland | 11 | 3 | 27.3% | 6.50% | #462 |
| North Carolina | 10 | 6 | 10.0% | 6.63% | #622 |
| Illinois | 9 | 3 | 0.0% | 6.13% | #701 |
| Michigan | 5 | 0 | 0.0% | — | #592 |
Frequently asked questions
American Finance House Lariba denied 13.0% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 37th percentile of small mortgage lenders.
The most common reason American Finance House Lariba gave in 2025 was "debt-to-income ratio", cited on 50.0% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans American Finance House Lariba originated in 2025 was 6.50%, and its median rate spread over the average prime offer rate was 0.14 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 68% of its applications were for home purchases, 32% for refinancing (including cash-out), and 0% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.