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, 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, San Diego, San Jose, and Miami among others. We have data for 54 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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 7.46% | 12/16/24 |
| 30 Year Conventional Refi | 7.25% | 12/16/24 |
| 30 Year Cash-out Refi | 7.46% | 12/16/24 |
| 30 Year FHA Purchase | 7.41% | 12/16/24 |
| 30 Year FHA Refi | 7.35% | 12/16/24 |
| 30 Year VA Purchase | 5.99% | 12/16/24 |
| 30 Year VA Refi | 6.27% | 12/16/24 |
| 30 Year USDA Purchase | 6.27% | 12/16/24 |
| 15 Year Conventional Refi | 6.47% | 12/16/24 |
| 15 Year Cash-out Refi | 6.47% | 12/16/24 |
| 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
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
1,191Origination Dollar Volume (All Markets)
$621,885,000Top 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) | 583 | $345,455,000 | $592,547 | $11,145 | 3.50% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 251 | $92,555,000 | $368,745 | $8,806 | 3.42% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 83 | $44,495,000 | $536,084 | $9,155 | 3.37% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 24 | $22,660,000 | $944,167 | $17,095 | 4.22% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 35 | $17,905,000 | $511,571 | $13,968 | 4.16% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 23 | $17,075,000 | $742,391 | $14,561 | 4.06% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 29 | $12,325,000 | $425,000 | $8,445 | 3.63% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 14 | $11,100,000 | $792,857 | $15,097 | 3.63% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 9 | $5,055,000 | $561,667 | $10,110 | 4.20% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 15 | $3,945,000 | $263,000 | $7,276 | 3.57% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 13 | $3,915,000 | $301,154 | $6,106 | 3.05% |
| FRESNO, CA (FHA|USDA|VA) | 14 | $3,900,000 | $278,571 | $9,245 | 3.91% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 4 | $3,300,000 | $825,000 | $13,750 | 4.56% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 8 | $3,210,000 | $401,250 | $10,281 | 3.47% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 5 | $2,765,000 | $553,000 | $12,121 | 3.35% |
| STOCKTON, CA (FHA|USDA|VA) | 6 | $2,200,000 | $366,667 | $12,234 | 3.08% |
| SALINAS, CA (FHA|USDA|VA) | 2 | $2,150,000 | $1,075,000 | $11,875 | 3.43% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 3 | $1,785,000 | $595,000 | $20,379 | 4.63% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 2 | $1,750,000 | $875,000 | $13,638 | 4.43% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 3 | $1,505,000 | $501,667 | $8,006 | 2.71% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 6 | $1,460,000 | $243,333 | $9,038 | 3.33% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 3 | $1,315,000 | $438,333 | $12,986 | 4.21% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 1 | $1,195,000 | $1,195,000 | $33,388 | 4.88% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 3 | $1,185,000 | $395,000 | $14,498 | 4.13% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 4 | $1,110,000 | $277,500 | $8,842 | 4.31% |
| YUMA, AZ (FHA|USDA|VA) | 2 | $1,090,000 | $545,000 | $7,747 | 3.19% |
| OCALA, FL (FHA|USDA|VA) | 2 | $990,000 | $495,000 | $19,926 | 4.19% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 2 | $980,000 | $490,000 | $6,231 | 3.31% |
| TUCSON, AZ (FHA|USDA|VA) | 3 | $915,000 | $305,000 | $5,084 | 3.08% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 2 | $900,000 | $450,000 | $10,466 | 2.81% |
| VALLEJO, CA (FHA|USDA|VA) | 3 | $885,000 | $295,000 | $3,938 | 3.29% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 2 | $870,000 | $435,000 | $11,020 | 3.94% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 2 | $840,000 | $420,000 | $5,429 | 3.00% |
| Breckenridge, CO (FHA|USDA|VA) | 1 | $825,000 | $825,000 | $0 | 5.63% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 2 | $640,000 | $320,000 | $5,712 | 3.63% |
| MADERA, CA (FHA|USDA|VA) | 2 | $610,000 | $305,000 | $10,919 | 3.00% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 1 | $605,000 | $605,000 | $19,169 | 5.25% |
| MODESTO, CA (FHA|USDA|VA) | 2 | $590,000 | $295,000 | $6,060 | 2.56% |
| BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $11,124 | 5.63% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $10,714 | 3.50% |
| VISALIA, CA (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $4,767 | 2.94% |
| EL CENTRO, CA (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $4,139 | 2.88% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $15,072 | 5.50% |
| COLUMBUS, OH (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $10,635 | 2.94% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $7,937 | 3.13% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $5,988 | 3.25% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $4,883 | 3.00% |
| HANFORD-CORCORAN, CA (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $0 | 4.25% |
| MERCED, CA (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $8,280 | 3.13% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $4,475 | 3.63% |
| MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $3,124 | 2.63% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $7,334 | 3.63% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $9,041 | 3.63% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $2,991 | 3.00% |
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Product Mix
For 2021, Ahl Funding's most frequently originated type of loan was Conventional, with 1,075 originations. Their 2nd most popular type was FHA, with 86 originations.
Loan Reason
For 2021, Ahl Funding's most frequently cited loan purpose was Home Purchase, with 453 originations. The 2nd most popular reason was Cash Out Refi, with 383 originations.
Loan Duration/Length
For 2021, Ahl Funding's most frequently cited loan duration was 30 Year, with 1,032 originations. The 2nd most popular length was 30+ year, with 73 originations.
Origination Fees/Closing Costs
Ahl Funding's average total fees were $10,646, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 537 originations.
Interest Rates
During 2021, Ahl Funding's average interest rate for loans was 3.53%, while their most frequently originated rate bucket for loans was 3-4%, with 586 originations.
Loan Sizing
2021 saw Ahl Funding place emphasis on $400k-600k loans with 440 originations, totaling $214,100,000 in origination value.
Applicant Income
Ahl Funding lent most frequently to those with incomes in the $100k-150k range, with 270 originations. The second most popular income band? $75k-100k, with 219 originations.
Applicant Debt to Income Ratio
Ahl Funding lent most frequently to those with DTI ratios of 30-36%, with 147 originations. The next most common DTI ratio? 20-30%, with 133 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications99.26%
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 origination1.01%
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 | 1,191 | $621,885,000 | $522,154 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2021 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| Alabama Housing Finance Authority | FHA mortgage | Applying for a mortgage or refinancing an existing mortgage | 1 | 7.7% |
| Alabama Housing Finance Authority | FHA mortgage | Incorrect information on your report | 1 | 7.7% |
| Alabama Housing Finance Authority | FHA mortgage | Problem with a credit reporting company's investigation into an existing problem | 1 | 7.7% |
| Alabama Housing Finance Authority | FHA mortgage | Struggling to pay mortgage | 3 | 23.1% |
| Alabama Housing Finance Authority | FHA mortgage | Trouble during payment process | 6 | 46.2% |
| Alabama Housing Finance Authority | Other type of mortgage | Struggling to pay mortgage | 1 | 7.7% |