Ahl Funding Mortgage Rates, Fees & Info
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Mortgage Data
Review & Overview
Ahl Funding is a smaller mortgage company specializing in Home Purchase loans. Ahl Funding has a high proportion of conventional loans. They have a a high proportion of FHA loans. Their top markets by origination volume include: Los Angeles, Riverside, Santa Rosa, Houston, and Miami among others. We have data for 81 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 about average 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.
Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.
Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.
SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 7.53% | 6/22/25 |
| 30 Year Conventional Refi | 7.38% | 6/22/25 |
| 30 Year Cash-out Refi | 8.56% | 6/22/25 |
| 30 Year FHA Purchase | 7.55% | 6/22/25 |
| 30 Year FHA Refi | 6.84% | 6/22/25 |
| 30 Year VA Purchase | 6.46% | 6/22/25 |
| 30 Year VA Refi | 6.27% | 6/22/25 |
| 30 Year USDA Purchase | 6.72% | 6/22/25 |
| 15 Year Conventional Purchase | 7.15% | 6/22/25 |
| 15 Year Conventional Refi | 6.00% | 6/22/25 |
| 15 Year Cash-out Refi | 6.00% | 6/22/25 |
| 15 Year FHA Purchase | 6.00% | 6/22/25 |
| 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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This is not an official calculator from Ahl Funding. It uses our SimulatedRate™
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
810Origination Dollar Volume (All Markets)
$447,970,000Relative Rate
Ahl Funding's average 30 year fixed mortgage rate was
6.92%.
The 2024 average 30 year fixed rate mortgage across all markets and lenders was 6.55%.
This yields a difference of 0.37%.
Relative Fees (Closing Costs)
Ahl Funding's average total fees/closing costs for a 30 year fixed rate
mortgage were $18,757.
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 $8,356.
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) | 226 | $168,940,000 | $747,522 | $24,151 | 7.00% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 248 | $122,050,000 | $492,137 | $17,779 | 6.87% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 34 | $19,510,000 | $573,824 | $10,373 | 6.77% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 31 | $11,175,000 | $360,484 | $17,011 | 6.58% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 19 | $10,115,000 | $532,368 | $21,521 | 7.15% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 20 | $8,690,000 | $434,500 | $11,724 | 7.07% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 13 | $8,355,000 | $642,692 | $19,669 | 7.17% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 12 | $6,950,000 | $579,167 | $26,073 | 7.70% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 11 | $6,675,000 | $606,818 | $16,840 | 8.00% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 10 | $6,000,000 | $600,000 | $11,906 | 7.19% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 8 | $5,550,000 | $693,750 | $14,500 | 8.08% |
| FRESNO, CA (FHA|USDA|VA) | 13 | $5,055,000 | $388,846 | $14,801 | 6.78% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 14 | $4,930,000 | $352,143 | $12,967 | 6.84% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 9 | $4,065,000 | $451,667 | $16,252 | 6.49% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 6 | $4,060,000 | $676,667 | $16,688 | 7.35% |
| URBAN HONOLULU, HI (FHA|USDA|VA) | 5 | $4,045,000 | $809,000 | $0 | 7.48% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 10 | $3,550,000 | $355,000 | $20,892 | 6.84% |
| COLUMBUS, OH (FHA|USDA|VA) | 3 | $2,805,000 | $935,000 | $7,131 | 8.38% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 5 | $2,645,000 | $529,000 | $4,288 | 6.82% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 3 | $2,285,000 | $761,667 | $19,863 | 6.33% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 7 | $2,175,000 | $310,714 | $18,371 | 7.66% |
| Outside of Metro Areas | 6 | $2,080,000 | $346,667 | $8,015 | 7.48% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 6 | $1,970,000 | $328,333 | $13,699 | 7.23% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 5 | $1,865,000 | $373,000 | $20,229 | 6.23% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 3 | $1,555,000 | $518,333 | $15,251 | 6.75% |
| MERCED, CA (FHA|USDA|VA) | 3 | $1,425,000 | $475,000 | $18,559 | 6.54% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 4 | $1,310,000 | $327,500 | $15,485 | 7.69% |
| OCALA, FL (FHA|USDA|VA) | 5 | $1,275,000 | $255,000 | $14,373 | 6.38% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 4 | $1,250,000 | $312,500 | $13,609 | 6.44% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 2 | $1,250,000 | $625,000 | $21,479 | 6.44% |
| Sevierville, TN (FHA|USDA|VA) | 1 | $1,185,000 | $1,185,000 | $0 | 7.75% |
| Lewisburg, TN (FHA|USDA|VA) | 1 | $1,095,000 | $1,095,000 | $26,269 | 7.99% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 3 | $1,055,000 | $351,667 | $16,292 | 7.17% |
| MEDFORD, OR (FHA|USDA|VA) | 3 | $875,000 | $291,667 | $5,811 | 7.08% |
| TUCSON, AZ (FHA|USDA|VA) | 3 | $835,000 | $278,333 | $8,479 | 6.88% |
| Durango, CO (FHA|USDA|VA) | 1 | $785,000 | $785,000 | $0 | 7.38% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 2 | $780,000 | $390,000 | $1,392 | 7.12% |
| KNOXVILLE, TN (FHA|USDA|VA) | 2 | $770,000 | $385,000 | $7,985 | 6.75% |
| BEND, OR (FHA|USDA|VA) | 2 | $770,000 | $385,000 | $6,421 | 7.13% |
| Kalispell, MT (FHA|USDA|VA) | 1 | $765,000 | $765,000 | $25,707 | 6.63% |
| WACO, TX (FHA|USDA|VA) | 2 | $760,000 | $380,000 | $13,072 | 7.69% |
| KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) | 1 | $705,000 | $705,000 | $0 | 9.38% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 1 | $685,000 | $685,000 | $0 | 8.25% |
| BOISE CITY, ID (FHA|USDA|VA) | 2 | $680,000 | $340,000 | $6,810 | 6.13% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 2 | $610,000 | $305,000 | $9,151 | 6.31% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 1 | $565,000 | $565,000 | $17,598 | 6.50% |
| SHERMAN-DENISON, TX (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $70 | 5.63% |
| Corsicana, TX (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $0 | 6.99% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $6,562 | 7.13% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $11,944 | 7.99% |
| TERRE HAUTE, IN (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $4,536 | 7.50% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $9,699 | 5.75% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $17,740 | 6.63% |
| VISALIA, CA (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $19,731 | 6.99% |
| TWIN FALLS, ID (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $0 | 8.00% |
| MODESTO, CA (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $21,202 | 6.50% |
| ALBANY-LEBANON, OR (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $8,967 | 5.75% |
| Clearlake, CA (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $5,222 | 6.13% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $8,429 | 6.00% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $13,032 | 6.63% |
| Sonora, CA (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $11,947 | 6.25% |
| STOCKTON, CA (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $0 | 7.88% |
| AMARILLO, TX (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $18,114 | 6.25% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $9,138 | 6.99% |
| HANFORD-CORCORAN, CA (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $14,944 | 6.25% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $12,060 | 9.38% |
| EL PASO, TX (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $4,119 | 5.63% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $0 | 7.99% |
| REDDING, CA (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $6,912 | 6.13% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $0 | 7.75% |
| Cookeville, TN (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $0 | 7.75% |
| VALLEJO, CA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $10,310 | 6.99% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $9,613 | 7.63% |
| JOPLIN, MO (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $9,785 | 7.13% |
| BELLINGHAM, WA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $12,460 | 9.00% |
| PANAMA CITY, FL (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $12,954 | 6.50% |
| MADERA, CA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $11,702 | 6.75% |
| COLUMBIA, SC (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $10,770 | 9.63% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 2 | $200,000 | $100,000 | $5,764 | 8.63% |
| BILLINGS, MT (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $5,479 | 8.13% |
| Branson, MO (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $7,245 | 6.88% |
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Product Mix
For 2024, Ahl Funding's most frequently originated type of loan was Conventional, with 419 originations. Their 2nd most popular type was FHA, with 367 originations.
Loan Reason
For 2024, Ahl Funding's most frequently cited loan purpose was Home Purchase, with 654 originations. The 2nd most popular reason was Cash Out Refi, with 107 originations.
Loan Duration/Length
For 2024, Ahl Funding's most frequently cited loan duration was 30 Year, with 788 originations. The 2nd most popular length was 10 Year, with 18 originations.
Origination Fees/Closing Costs
Ahl Funding's average total fees were $18,757, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 516 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 436 | $231,800,000 | $531,651 |
| 7-8% | 187 | $109,755,000 | $586,925 |
| Over 8% | 101 | $63,765,000 | $631,337 |
| 5-6% | 85 | $42,625,000 | $501,471 |
| <2.5% | 1 | $25,000 | $25,000 |
During 2024, Ahl Funding's average interest rate for loans was 6.92%, while their most frequently originated rate bucket for loans was 6-7%, with 436 originations.
Loan Sizing
2024 saw Ahl Funding place emphasis on $400k-600k loans with 267 originations, totaling $132,975,000 in origination value.
Applicant Income
Ahl Funding lent most frequently to those with incomes in the $150k-250k range, with 250 originations. The second most popular income band? $100k-150k, with 220 originations.
Applicant Debt to Income Ratio
Ahl Funding lent most frequently to those with DTI ratios of 50-60%, with 151 originations. The next most common DTI ratio? 30-36%, with 88 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications98.73%
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 origination17.78%
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 | 810 | $447,970,000 | $553,049 |