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Ahl Funding

Independent Mortgage CompanyWESTLAKE VILLAGE, CADirect to Consumer

We analyzed every closed loan from Ahl Funding 665 loans across 1k applications— and benchmarked them against peer lenders across the 4 Ps of Mortgage Shopping.

Pricing
Mediocre
vs. all lenders
Pull Through
Sound
closing strength
Products
Strong
FHA · Conventional · VA · Jumbo
Place
Sound
Multi-Region · 8 mkts

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Safe Rate's Summary

What They Do Well

  • Particularly strong in FHA and Jumbo loans

Things to Think About

  • Rates typically 54 basis points above market average
  • Higher than average fees ($4,947)

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Report Card

Ahl Funding performance at a glance

CategoryScorevs. Peers
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Mediocre
Below peers
+53.9 bps above market avg
Pull Through
Closing strength
Sound
Industry Standard
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Industry Standard
Top 60% of lenders
FHA
Strong
Highly Competitive
Top 40% of lenders
VA
Sound
Industry Standard
Top 60% of lenders
Jumbo
Strong
Highly Competitive
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Industry Standard
Top 60% of lenders
Refinance
Sound
Industry Standard
Top 60% of lenders
By Location· Geographic coverage
Geographic Reach
Coverage footprint
Sound
Industry Standard
Top 60% of lenders
Multi-Regional8 markets

Loan Product Performance

Performance by Loan Product

Loan TypeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Conventional
Acceptable
Sound
Mediocre
Acceptable
28643.0%
+0.493%Above
$5,434Fees
FHA Loans
Sound
Strong
Mediocre
Strong
34351.6%
+0.620%Above
$4,718Fees
VA Loans
Sound
Sound
Strong
203.0%
-0.219%Below
$3,162Fees
Jumbo Loans
Sound
Strong
Acceptable
162.4%
+2.054%Above
$5,285Fees

Loan Purpose Performance

Performance by Loan Purpose

PurposeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Purchase
Acceptable
Sound
Mediocre
Sound
58888.4%
+0.592%Above
$5,434Fees
Refinance
Acceptable
Sound
Sound
Mediocre
7711.6%
+0.182%Above
$1,681Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
665
Applications
1,169
Volume
$366 million
Pricing & Closing
Avg Rate Spread
+0.539%
vs. market APOR
Avg Net Fees
$4,947
Origination − Credits
Pullthrough Rate
56.9%
Applications → Closed
Typical Borrower
Avg Loan Amount
$551,361
Avg Borrower Income
$191,899
Avg Property Value
$662,338

Geographic Coverage

Geographic Performance

Metro Areas
8
States Served
16
We count Washington DC as a state
Avg Place Specialization
Sound

States with Loan Originations

AZCACOFLIDILINMOMTOHORPASCTNTXWA

Top Metro Areas by Place Specialization Score

1
Riverside, CAMSA
Volume: 219Mix: 32.93%of portfolio
Place
Strong
2
Los Angeles, CAMSA
Volume: 134Mix: 20.15%of portfolio
Place
Strong
3
Santa Rosa, CAMSA
Volume: 33Mix: 4.96%of portfolio
Place
Strong
4
Anaheim, CAMSA
Volume: 51Mix: 7.67%of portfolio
Place
Strong
5
Houston, TXMSA
Volume: 31Mix: 4.66%of portfolio
Place
Sound
6
Bakersfield, CAMSA
Volume: 14Mix: 2.11%of portfolio
Place
Sound
7
Fresno, CA, CAMSA
Volume: 14Mix: 2.11%of portfolio
Place
Sound
8
Phoenix, AZMSA
Volume: 11Mix: 1.65%of portfolio
Place
Acceptable

Top States by Place Specialization Score

1
CAState
Volume: 506Mix: 76.09%of portfolio
Place
Strong
2
TXState
Volume: 52Mix: 7.82%of portfolio
Place
Sound
3
FLState
Volume: 52Mix: 7.82%of portfolio
Place
Sound
4
AZState
Volume: 16Mix: 2.41%of portfolio
Place
Sound

How We Rank Lenders

Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.

Our Point System (Max 30 Points)

10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.