Ahl Funding Mortgage Rates, Fees & Info

MADISON, WI

LEI: 254900JZN2V0PWFMW808

Tax ID: 47-3906904

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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  • SimulatedRates™
  • Mortgage Calculator

    • Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Complaints
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Review & Overview

    Ahl Funding is a smaller mortgage company specializing in Home Purchase, Cash Out Refi, and 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, Miami, San Diego, and Phoenix among others. We have data for 45 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. 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 7.46% 4/21/24
    30 Year Conventional Refi 7.25% 4/21/24
    30 Year Cash-out Refi 7.46% 4/21/24
    30 Year FHA Purchase 7.41% 4/21/24
    30 Year FHA Refi 7.35% 4/21/24
    30 Year VA Purchase 5.99% 4/21/24
    30 Year VA Refi 6.27% 4/21/24
    30 Year USDA Purchase 6.27% 4/21/24
    15 Year Conventional Refi 6.47% 4/21/24
    15 Year Cash-out Refi 6.47% 4/21/24
    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






    Your Estimates

    Estimated Loan Payment: Update the calculator values and click calculate payment!

    This is not an official calculator from Ahl Funding. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

    The default purchase price is the median sales price across the US for 2022Q4, per FRED.


    Originations

    549

    Origination Dollar Volume (All Markets)

    $206,785,000

    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) 225 $103,715,000 $460,956 $11,249 4.80%
    RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 173 $54,115,000 $312,803 $9,232 4.82%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 20 $6,410,000 $320,500 $12,257 4.96%
    SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 14 $5,880,000 $420,000 $10,672 4.73%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 17 $4,045,000 $237,941 $8,233 4.90%
    San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 5 $2,345,000 $469,000 $7,202 4.73%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 9 $2,315,000 $257,222 $7,016 5.29%
    SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 8 $2,180,000 $272,500 $9,574 4.99%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 7 $2,085,000 $297,857 $9,296 4.75%
    Key West, FL (FHA|USDA|VA) 2 $1,990,000 $995,000 $28,438 6.23%
    SALINAS, CA (FHA|USDA|VA) 4 $1,890,000 $472,500 $13,573 4.69%
    MODESTO, CA (FHA|USDA|VA) 3 $1,465,000 $488,333 $5,506 5.63%
    BAKERSFIELD, CA (FHA|USDA|VA) 6 $1,450,000 $241,667 $9,291 5.52%
    OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 3 $1,375,000 $458,333 $10,121 4.04%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 5 $1,365,000 $273,000 $7,098 4.38%
    SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 1 $1,145,000 $1,145,000 $24,251 4.75%
    SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 1 $1,135,000 $1,135,000 $31,459 5.19%
    SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 2 $1,090,000 $545,000 $10,448 4.75%
    FRESNO, CA (FHA|USDA|VA) 4 $920,000 $230,000 $6,231 4.25%
    VALLEJO, CA (FHA|USDA|VA) 2 $860,000 $430,000 $6,530 4.50%
    INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 4 $820,000 $205,000 $7,594 4.63%
    STOCKTON, CA (FHA|USDA|VA) 2 $710,000 $355,000 $9,431 6.06%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 2 $630,000 $315,000 $8,583 5.50%
    LONGVIEW, TX (FHA|USDA|VA) 2 $570,000 $285,000 $5,068 4.75%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 1 $545,000 $545,000 $6,518 7.21%
    ST. LOUIS, MO-IL (FHA|USDA|VA) 1 $485,000 $485,000 $6,410 4.13%
    AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 2 $470,000 $235,000 $8,400 4.53%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 2 $470,000 $235,000 $8,408 4.50%
    LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 2 $450,000 $225,000 $6,303 4.75%
    YUBA CITY, CA (FHA|USDA|VA) 1 $425,000 $425,000 $0 6.79%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 2 $400,000 $200,000 $6,276 5.13%
    SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 1 $385,000 $385,000 $9,350 4.00%
    TUCSON, AZ (FHA|USDA|VA) 2 $370,000 $185,000 $6,982 4.44%
    VISALIA, CA (FHA|USDA|VA) 2 $360,000 $180,000 $4,426 4.44%
    PEORIA, IL (FHA|USDA|VA) 1 $315,000 $315,000 $3,448 4.50%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 2 $300,000 $150,000 $6,862 5.06%
    LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 1 $275,000 $275,000 $0 6.21%
    PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 1 $215,000 $215,000 $11,975 4.63%
    JACKSONVILLE, FL (FHA|USDA|VA) 1 $195,000 $195,000 $10,820 4.13%
    Clewiston, FL (FHA|USDA|VA) 1 $125,000 $125,000 $7,091 4.63%
    Palatka, FL (FHA|USDA|VA) 1 $125,000 $125,000 $5,991 4.50%
    MADERA, CA (FHA|USDA|VA) 1 $115,000 $115,000 $5,799 5.50%
    COLUMBUS, OH (FHA|USDA|VA) 1 $95,000 $95,000 $4,617 5.50%
    Okeechobee, FL (FHA|USDA|VA) 1 $95,000 $95,000 $7,254 5.75%
    Marion, IN (FHA|USDA|VA) 1 $65,000 $65,000 $1,253 5.13%
    Ahl Funding's top markets include Los Angeles, Riverside, Miami, San Diego, and Phoenix among others.

    Their top states include:
  • California (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Arizona (FHA|USDA|VA)
  • Texas (FHA|USDA|VA)
  • Illinois (FHA|USDA|VA)

    • Similar Lenders

    We use machine learning to identify the top lenders compared against AHL FUNDING based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    MYPOINT Credit Union
    Similarity Rank: 147
    SAFE 1 CREDIT UNION
    Similarity Rank: 174
    POWER FINANCIAL
    Similarity Rank: 188
    Christian Community Credit Union
    Similarity Rank: 220
    SOUTHERN LENDING SERVICES, LTD.
    Similarity Rank: 220
    LONG BEACH CITY EMPLOYEES Federal Credit Union
    Similarity Rank: 290
    SAFEAMERICA CREDIT UNION
    Similarity Rank: 368
    SOUTHLAND CREDIT UNION
    Similarity Rank: 464
    MEMBERS CHOICE Credit Union
    Similarity Rank: 549
    We Florida Financial
    Similarity Rank: 572

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 390 $150,210,000 $385,154 $9,272 4.99%
    FHA 142 $50,030,000 $352,324 $12,716 4.51%
    VA 17 $6,545,000 $385,000 $6,590 4.23%

    For 2019, Ahl Funding's most frequently originated type of loan was Conventional, with 390 originations. Their 2nd most popular type was FHA, with 142 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 279 $106,075,000 $380,197 $11,134 4.95%
    Cash Out Refi 152 $54,860,000 $360,921 $9,456 4.94%
    Refi 118 $45,850,000 $388,559 $8,422 4.46%

    For 2019, Ahl Funding's most frequently cited loan purpose was Home Purchase, with 279 originations. The 2nd most popular reason was Cash Out Refi, with 152 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 532 $201,040,000 $377,895 $10,173 4.85%
    20 Year 8 $2,330,000 $291,250 $5,925 4.16%
    15 Year 5 $1,145,000 $229,000 $6,118 3.90%
    30+ year 4 $2,270,000 $567,500 $15,327 5.95%

    For 2019, Ahl Funding's most frequently cited loan duration was 30 Year, with 532 originations. The 2nd most popular length was 20 Year, with 8 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $5k+ 254 $105,580,000 $415,669
    $2k-3k 121 $45,905,000 $379,380
    $1k-2k 71 $27,305,000 $384,577
    $3k-4k 39 $9,425,000 $241,667
    $4k-5k 39 $10,185,000 $261,154
    $<1k 15 $4,655,000 $310,333

    Ahl Funding's average total fees were $10,173, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 254 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 265 $102,015,000 $384,962
    5-6% 177 $64,075,000 $362,006
    3-4% 87 $31,705,000 $364,425
    6-7% 9 $3,765,000 $418,333
    7-8% 8 $4,240,000 $530,000
    2.5-3% 2 $780,000 $390,000
    Over 8% 1 $205,000 $205,000

    During 2019, Ahl Funding's average interest rate for loans was 4.85%, while their most frequently originated rate bucket for loans was 4-5%, with 265 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 277 $83,185,000 $300,307 $9,135 4.82%
    $400k-600k 156 $73,960,000 $474,103 $11,582 4.77%
    $100k-200k 60 $9,660,000 $161,000 $6,434 4.94%
    $600k-1MM 44 $31,390,000 $713,409 $14,540 4.98%
    $1MM+ 7 $8,165,000 $1,166,429 $21,902 4.94%
    $100,000 or less 5 $425,000 $85,000 $4,332 5.60%

    2019 saw Ahl Funding place emphasis on $200k-400k loans with 277 originations, totaling $83,185,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 145 $60,235,000 $415,414 $10,585 4.84%
    $75k-100k 126 $44,160,000 $350,476 $10,002 4.73%
    $50k-75k 108 $28,060,000 $259,815 $8,767 4.81%
    $50k or less 86 $26,930,000 $313,140 $8,434 4.66%
    $150k-250k 51 $26,395,000 $517,549 $12,791 5.10%
    $250k+ 31 $19,975,000 $644,355 $12,465 5.41%

    Ahl Funding lent most frequently to those with incomes in the $100k-150k range, with 145 originations. The second most popular income band? $75k-100k, with 126 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    30-36% 61 $22,595,000 $370,410 $8,278 4.72%
    50-60% 51 $17,755,000 $348,137 $13,915 4.69%
    <20% 41 $16,845,000 $410,854 $9,196 4.66%
    43% 40 $14,220,000 $355,500 $9,564 4.97%
    20-30% 36 $12,830,000 $356,389 $8,481 4.92%
    44% 36 $12,230,000 $339,722 $10,020 5.05%
    40% 32 $13,300,000 $415,625 $10,956 4.84%
    42% 27 $9,625,000 $356,481 $9,698 5.14%
    49% 27 $11,495,000 $425,741 $10,519 4.92%
    45% 26 $8,740,000 $336,154 $9,335 4.74%
    46% 22 $7,840,000 $356,364 $9,055 4.87%
    47% 22 $8,220,000 $373,636 $10,147 4.47%
    41% 21 $9,345,000 $445,000 $9,640 4.97%
    38% 21 $7,425,000 $353,571 $10,287 4.85%
    37% 16 $6,590,000 $411,875 $11,999 4.71%
    48% 16 $6,160,000 $385,000 $9,877 4.81%
    36% 16 $5,220,000 $326,250 $10,121 4.87%
    39% 16 $6,610,000 $413,125 $9,119 4.88%
    >60% 7 $2,565,000 $366,429 $14,528 5.18%

    Ahl Funding lent most frequently to those with DTI ratios of 30-36%, with 61 originations. The next most common DTI ratio? 50-60%, with 51 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 365 $134,095,000 $367,384 $10,072 4.81%
    Not provided 114 $44,330,000 $388,860 $10,805 4.93%
    Black 39 $14,265,000 $365,769 $9,799 4.79%
    Asian 28 $13,010,000 $464,643 $7,792 4.96%
    Native Hawaiian or Islander 2 $660,000 $330,000 $7,100 4.94%
    American Indian 1 $425,000 $425,000 $12,492 5.50%

    Approval Rates

    Total approvals of all applications
    100.00%

    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

    Points and Fees

    Points Originations Total Value Average Loan
    NA 549 $206,785,000 $376,658

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 1 $605,000 $605,000
    Single Family (1-4 Units):Site-Built 548 $206,180,000 $376,241

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 11 $3,165,000 $287,727 $4,737 4.59%
    40-60% 50 $18,290,000 $365,800 $8,326 4.91%
    60-80% 191 $71,495,000 $374,319 $9,188 4.90%
    80-100% 294 $112,870,000 $383,912 $11,112 4.80%
    Over 100% 2 $850,000 $425,000 $19,231 4.44%
    Under 20% 1 $115,000 $115,000 $765 6.74%

    Complaints

    Bank Name Product Issue 2019 CPFB Complaints % of Total Issues
    AHL Funding FHA mortgage Closing on a mortgage 1 100.0%