American Finance House Lariba in California vs the state
12.0%Denial rate-5.42 pts vs state
12.0%Decision denial rate-10.40 pts vs state
52.0%Origination rate-4.20 pts vs state
6.63%Median rate0.00 pts vs state
0.25Rate spread (pts)-0.02 pts vs state
$256kMedian applicant income
13Loans originated
3Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 28 | 11 | 28.6% | 6.95% | #613 |
| 2024 | 24 | 6 | 33.3% | 6.86% | #619 |
| 2025 | 25 | 13 | 12.0% | 6.63% | #615 |
What American Finance House Lariba lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most American Finance House Lariba applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Riverside County | 6 | 2 | 2 | 33.3% |
| Los Angeles County | 4 | 1 | 1 | 25.0% |
| Alameda County | 4 | 3 | 0 | 0.0% |
| Orange County | 2 | 1 | 0 | 0.0% |
| Sacramento County | 2 | 1 | 0 | 0.0% |
| San Mateo County | 2 | 1 | 0 | 0.0% |
| San Diego County | 2 | 1 | 0 | 0.0% |
| Marin County | 1 | 1 | 0 | 0.0% |
| San Joaquin County | 1 | 1 | 0 | 0.0% |
| San Bernardino County | 1 | 1 | 0 | 0.0% |
Other large lenders in California
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 79,261 | 12.6% | 6.49% |
| Rocket Mortgage | C | 58,925 | 17.6% | 6.75% |
| Bank of America | F | 40,190 | 30.8% | 5.99% |
| U.S. Bank | D | 32,493 | 31.6% | 6.50% |
| JPMorgan Chase Bank | B | 22,048 | 9.7% | 6.13% |
| Spring Eq | D | 21,601 | 50.8% | 8.88% |
| Schoolsfirst | A | 19,086 | 10.0% | 6.25% |
| Pennymac Loan Services | C | 18,754 | 13.5% | 6.50% |
| Newrez | D | 17,000 | 19.3% | 6.63% |
| Loandepot.Com | D | 16,645 | 18.7% | 6.63% |
Frequently asked questions
California: 25 applications in 2025, of which 13 were originated and 3 denied.
12.0% of all applications, or 12.0% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans American Finance House Lariba originated in California in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are American Finance House Lariba's own HMDA filing for properties located in California, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology