Ahl Funding Mortgage Rates, Fees & Info
MADISON, WILEI: 254900JZN2V0PWFMW808
Tax ID: 47-3906904
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Mortgage Data
Review & Overview
Ahl Funding is a smaller mortgage company specializing in Home Purchase and Cash Out Refi loans. Ahl Funding has a high proportion of conventional loans. They have an average proportion of FHA loans. Their top markets by origination volume include: Los Angeles, Riverside, San Diego, Miami, and San Francisco among others. We have data for 56 markets. (Some data included below & more in-depth data is available with an active subscription.)Ahl Funding has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Ahl Funding is typically a high 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 relatively high 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 | 7.46% | 5/27/23 |
| 30 Year Conventional Refi | 7.25% | 5/27/23 |
| 30 Year Cash-out Refi | 7.46% | 5/27/23 |
| 30 Year FHA Purchase | 7.41% | 5/27/23 |
| 30 Year FHA Refi | 7.35% | 5/27/23 |
| 30 Year VA Purchase | 5.99% | 5/27/23 |
| 30 Year VA Refi | 6.27% | 5/27/23 |
| 30 Year USDA Purchase | 6.27% | 5/27/23 |
| 15 Year Conventional Refi | 6.47% | 5/27/23 |
| 15 Year Cash-out Refi | 6.47% | 5/27/23 |
| 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. | ||
Ahl Funding Mortgage Calculator
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
616Origination Dollar Volume (All Markets)
$334,190,000Relative Rate
Ahl Funding's average 30 year fixed mortgage rate was
5.45%.
The 2022 average 30 year fixed rate mortgage across all markets and lenders was 4.76%.
This yields a difference of 0.69%.
Relative Fees (Closing Costs)
Ahl Funding's average total fees/closing costs for a 30 year fixed rate
mortgage were $15,600.
The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including
both points & up-front fees in addition to origination fees) were $4,750.
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 |
|---|---|---|---|---|---|
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 205 | $138,055,000 | $673,439 | $17,509 | 5.37% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 170 | $77,250,000 | $454,412 | $14,517 | 5.24% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 25 | $15,245,000 | $609,800 | $15,653 | 4.95% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 28 | $12,700,000 | $453,571 | $14,395 | 5.67% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 14 | $11,370,000 | $812,143 | $25,129 | 5.91% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 14 | $9,260,000 | $661,429 | $17,782 | 6.22% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 26 | $8,280,000 | $318,462 | $14,643 | 5.67% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 9 | $5,365,000 | $596,111 | $18,974 | 6.50% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 15 | $5,325,000 | $355,000 | $12,834 | 6.19% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 8 | $5,200,000 | $650,000 | $19,473 | 6.16% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 7 | $3,515,000 | $502,143 | $10,680 | 5.43% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 4 | $3,500,000 | $875,000 | $24,449 | 5.38% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 5 | $3,035,000 | $607,000 | $16,774 | 6.48% |
| STOCKTON, CA (FHA|USDA|VA) | 6 | $3,000,000 | $500,000 | $15,607 | 4.12% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 4 | $2,260,000 | $565,000 | $13,869 | 5.63% |
| TUCSON, AZ (FHA|USDA|VA) | 7 | $2,255,000 | $322,143 | $8,915 | 5.54% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 3 | $2,145,000 | $715,000 | $23,916 | 7.29% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 6 | $1,820,000 | $303,333 | $11,108 | 5.39% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 2 | $1,760,000 | $880,000 | $20,944 | 6.25% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 3 | $1,695,000 | $565,000 | $15,745 | 7.29% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 2 | $1,620,000 | $810,000 | $12,798 | 6.19% |
| Key West, FL (FHA|USDA|VA) | 1 | $1,605,000 | $1,605,000 | $43,201 | 4.63% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 5 | $1,405,000 | $281,000 | $5,924 | 5.07% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 3 | $1,195,000 | $398,333 | $18,183 | 5.75% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 1 | $1,095,000 | $1,095,000 | $27,435 | 5.75% |
| SALINAS, CA (FHA|USDA|VA) | 2 | $1,090,000 | $545,000 | $16,721 | 6.56% |
| MODESTO, CA (FHA|USDA|VA) | 3 | $1,075,000 | $358,333 | $13,037 | 4.46% |
| Outside of Metro Areas | 3 | $995,000 | $331,667 | $11,742 | 5.71% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 2 | $970,000 | $485,000 | $15,199 | 3.81% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 2 | $880,000 | $440,000 | $9,788 | 5.06% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 2 | $850,000 | $425,000 | $12,547 | 6.50% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 2 | $690,000 | $345,000 | $8,591 | 5.38% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $7,250 | 7.56% |
| EL CENTRO, CA (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $6,709 | 4.75% |
| GREELEY, CO (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $14,052 | 5.25% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $22,475 | 5.99% |
| MERCED, CA (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $11,686 | 6.75% |
| EAST STROUDSBURG, PA (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $8,699 | 4.75% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $14,842 | 4.75% |
| REDDING, CA (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $14,105 | 4.63% |
| VALLEJO, CA (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $0 | 7.13% |
| NAPA, CA (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $20,459 | 5.50% |
| Eureka-Arcata, CA (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $12,009 | 3.88% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $8,715 | 5.38% |
| Othello, WA (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $9,968 | 6.25% |
| FORT WAYNE, IN (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $4,193 | 5.06% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $8,035 | 6.38% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $6,560 | 5.13% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $15,752 | 6.75% |
| PANAMA CITY, FL (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $10,307 | 4.75% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $14,688 | 6.63% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $9,616 | 4.75% |
| AKRON, OH (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $15,722 | 4.50% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $8,489 | 8.13% |
| BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $12,249 | 5.62% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $7,058 | 4.13% |
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Product Mix
For 2022, Ahl Funding's most frequently originated type of loan was Conventional, with 475 originations. Their 2nd most popular type was FHA, with 124 originations.
Loan Reason
For 2022, Ahl Funding's most frequently cited loan purpose was Home Purchase, with 404 originations. The 2nd most popular reason was Cash Out Refi, with 161 originations.
Loan Duration/Length
For 2022, Ahl Funding's most frequently cited loan duration was 30 Year, with 585 originations. The 2nd most popular length was 30+ year, with 22 originations.
Origination Fees/Closing Costs
Ahl Funding's average total fees were $15,600, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 457 originations.
Interest Rates
During 2022, Ahl Funding's average interest rate for loans was 5.45%, while their most frequently originated rate bucket for loans was 5-6%, with 166 originations.
Loan Sizing
2022 saw Ahl Funding place emphasis on $400k-600k loans with 207 originations, totaling $102,765,000 in origination value.
Applicant Income
Ahl Funding lent most frequently to those with incomes in the $100k-150k range, with 182 originations. The second most popular income band? $150k-250k, with 143 originations.
Applicant Debt to Income Ratio
Ahl Funding lent most frequently to those with DTI ratios of 30-36%, with 76 originations. The next most common DTI ratio? 20-30%, with 51 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications97.89%
Ahl Funding has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination-36.53%
Ahl Funding 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 | 616 | $334,190,000 | $542,516 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2022 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| Alabama Housing Finance Authority | Conventional home mortgage | Struggling to pay mortgage | 1 | 100.0% |