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AHL FUNDING
Independent Mortgage Company|WESTLAKE VILLAGE, CA|Multi-Region
Loans Originated
665
Applications
1,169
Volume
$366 million
Offers loans directly to consumers
Overall Pricing
Mediocre
Overall Pull Through
Sound
Pricing and Pullthrough Overview
Average Rate Spread
+0.539%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$4,947
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
56.9%
Percentage of applications that result in closed loans
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)
Report Card
AHL FUNDING performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Mediocre | Below peers | |
Pull Through Closing Strength | Sound | Industry Standard | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Sound | Industry Standard | |
FHA | Strong | Highly Competitive | |
VA | Sound | Industry Standard | |
Jumbo | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Sound | Industry Standard | |
Refinance | Sound | Industry Standard | |
Places Geographic coverage | Sound | Multi-Regional · 8 metro areas · 16 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$551,361
Average Borrower Income
$191,899
Average Property Value
$662,338
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Acceptable | Sound | Mediocre | Acceptable | 286 | 43.0% | +0.493% | $5,434 |
FHA Loans | Sound | Strong | Mediocre | Strong | 343 | 51.6% | +0.620% | $4,718 |
VA Loans | Sound | Sound | N/A | Strong | 20 | 3.0% | -0.219% | $3,162 |
Jumbo Loans | Sound | Strong | N/A | Acceptable | 16 | 2.4% | +2.054% | $5,285 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Acceptable | Sound | Mediocre | Sound | 588 | 88.4% | +0.592% | $5,434 |
Refinance | Acceptable | Sound | Sound | Mediocre | 77 | 11.6% | +0.182% | $1,681 |
Geographic Coverage
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%
Place Specialization
Strong
2
Los Angeles, CAMSA
Volume: 134Mix: 20.15%
Place Specialization
Strong
3
Santa Rosa, CAMSA
Volume: 33Mix: 4.96%
Place Specialization
Strong
4
Anaheim, CAMSA
Volume: 51Mix: 7.67%
Place Specialization
Strong
5
Houston, TXMSA
Volume: 31Mix: 4.66%
Place Specialization
Sound
6
Bakersfield, CAMSA
Volume: 14Mix: 2.11%
Place Specialization
Sound
7
Fresno, CA, CAMSA
Volume: 14Mix: 2.11%
Place Specialization
Sound
8
Phoenix, AZMSA
Volume: 11Mix: 1.65%
Place Specialization
Acceptable
Top States by Place Specialization Score
1
CAState
Volume: 506Mix: 76.09%
Place Specialization
Strong
2
TXState
Volume: 52Mix: 7.82%
Place Specialization
Sound
3
FLState
Volume: 52Mix: 7.82%
Place Specialization
Sound
4
AZState
Volume: 16Mix: 2.41%
Place Specialization
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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