AMERICAN FINANCE HOUSE LARIBA
AMERICAN FINANCE HOUSE LARIBA received 169 applications in 2025 and made 79 mortgages, in 73 counties across 11 states. The median rate its borrowers got was 6.500% on a median loan of $345,000. Of 169 decisions, 22 were denials — 13.0%, most often for debt-to-income ratio. 12 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 549300I3HDJ5QJNFPZ87 |
|---|---|
| Applications received | 169 |
| Mortgages made | 79 |
| Denied | 22 |
| Approved, not taken up | 68 |
| Withdrawn or incomplete | 0 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.141 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 50 | 6.500% | $345,000 | 10.4% |
| Refinancing | 24 | 5.995% | $335,000 | 20.0% |
| Cash-out refinancing | 5 | Under 10 loans | Under 10 loans | 11.1% |
Where AMERICAN FINANCE HOUSE LARIBA lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Middlesex County, NJ | 5 | Under 10 loans | 14.3% |
| Harris County, TX | 5 | Under 10 loans | 30.0% |
| Alameda County, CA | 3 | Under 10 loans | 0.0% |
| Hillsborough County, FL | 3 | Under 10 loans | 0.0% |
| Fort Bend County, TX | 3 | Under 10 loans | 12.5% |
| Riverside County, CA | 2 | Under 10 loans | 33.3% |
| Duval County, FL | 2 | Under 10 loans | 0.0% |
| Columbia County, GA | 2 | Under 10 loans | 0.0% |
| Dawson County, GA | 2 | Under 10 loans | 0.0% |
| Cook County, IL | 2 | Under 10 loans | 0.0% |
| Baltimore County, MD | 2 | Under 10 loans | 0.0% |
| Collin County, TX | 2 | Under 10 loans | 0.0% |
| Dallas County, TX | 2 | Under 10 loans | 20.0% |
| Tarrant County, TX | 2 | Under 10 loans | 33.3% |
| Fairfax County, VA | 2 | Under 10 loans | 0.0% |
| Loudoun County, VA | 2 | Under 10 loans | 25.0% |
| Los Angeles County, CA | 1 | Under 10 loans | 25.0% |
| Marin County, CA | 1 | Under 10 loans | 0.0% |
| Orange County, CA | 1 | Under 10 loans | 0.0% |
| Sacramento County, CA | 1 | Under 10 loans | 0.0% |
| San Bernardino County, CA | 1 | Under 10 loans | 0.0% |
| San Diego County, CA | 1 | Under 10 loans | 0.0% |
| San Joaquin County, CA | 1 | Under 10 loans | 0.0% |
| San Mateo County, CA | 1 | Under 10 loans | 0.0% |
| Alachua County, FL | 1 | Under 10 loans | 0.0% |
| Brevard County, FL | 1 | Under 10 loans | 0.0% |
| Orange County, FL | 1 | Under 10 loans | 0.0% |
| Palm Beach County, FL | 1 | Under 10 loans | 0.0% |
| Polk County, FL | 1 | Under 10 loans | 0.0% |
| Seminole County, FL | 1 | Under 10 loans | 0.0% |
| Forsyth County, GA | 1 | Under 10 loans | 0.0% |
| Fulton County, GA | 1 | Under 10 loans | 75.0% |
| Houston County, GA | 1 | Under 10 loans | 0.0% |
| Rock Island County, IL | 1 | Under 10 loans | 0.0% |
| Montgomery County, MD | 1 | Under 10 loans | 25.0% |
| Camden County, NJ | 1 | Under 10 loans | 0.0% |
| Hudson County, NJ | 1 | Under 10 loans | 0.0% |
| Passaic County, NJ | 1 | Under 10 loans | 0.0% |
| Catawba County, NC | 1 | Under 10 loans | 0.0% |
| Gaston County, NC | 1 | Under 10 loans | 0.0% |
| Guilford County, NC | 1 | Under 10 loans | 0.0% |
| Orange County, NC | 1 | Under 10 loans | 0.0% |
| Wake County, NC | 1 | Under 10 loans | 0.0% |
| Tulsa County, OK | 1 | Under 10 loans | 0.0% |
| Hidalgo County, TX | 1 | Under 10 loans | 0.0% |
| Williamson County, TX | 1 | Under 10 loans | 0.0% |
| Henrico County, VA | 1 | Under 10 loans | 0.0% |
| Prince William County, VA | 1 | Under 10 loans | 0.0% |
| Spotsylvania County, VA | 1 | Under 10 loans | 0.0% |
| Bay County, FL | 0 | Under 10 loans | 0.0% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.