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Ahl Funding

Independent Mortgage Company•Westlake Village, CAHQ•Direct•Reviews near you on Google

We analyzed every closed loan from Ahl Funding — 665 loans across 1k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Mediocre
1/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA · Jumbo
Place
Sound
3/5
Multi-Region · 8 mkts
Promptness
Not enough data
—/5
No quote responses measured yet

Safe Rate 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)

Explore another lender or local market

Report Card

Ahl Funding performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Mediocre
+53.9 bps above market avg
1/5
Pull Through
Closing strength
Sound
Top 60% of lenders
3/5
By Loan Product· Specialization by type
Conventional
286 loans · 0.49% above market
Sound
Top 60% of lenders
3/5
FHA
343 loans · 0.62% above market
Strong
Top 40% of lenders
4/5
VA
20 loans · 0.22% below market
Sound
Top 60% of lenders
3/5
Jumbo
16 loans · 2.05% above market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
588 loans · 0.59% above market
Sound
Top 60% of lenders
3/5
Refinance
77 loans · 0.18% above market
Sound
Top 60% of lenders
3/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 8 markets
Sound
Top 60% of lenders
3/5

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Acceptable
Product
Sound
Pricing
Mediocre
Pull Through
Acceptable
Volume286
Mix43.0%
Spread
+0.493%Above
Fees
$5,434Fees
FHA Loans
Overall
Sound
Product
Strong
Pricing
Mediocre
Pull Through
Strong
Volume343
Mix51.6%
Spread
+0.620%Above
Fees
$4,718Fees
VA Loans
Overall
Strong
Product
Sound
Pricing—
Pull Through
Strong
Volume20
Mix3.0%
Spread
-0.219%Below
Fees
$3,162Fees
Jumbo Loans
Overall
Sound
Product
Strong
Pricing—
Pull Through
Acceptable
Volume16
Mix2.4%
Spread
+2.054%Above
Fees
$5,285Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Acceptable
Product
Sound
Pricing
Mediocre
Pull Through
Sound
Volume588
Mix88.4%
Spread
+0.592%Above
Fees
$5,434Fees
Refinance
Overall
Sound
Product
Sound
Pricing
Sound
Pull Through
Mediocre
Volume77
Mix11.6%
Spread
+0.182%Above
Fees
$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
markets with activity
States Served
16
of 50 states + DC
Avg Place Specialization
Sound
3/5

States with Loan Originations

16Full-year 2024 · HMDA
16 states with loan originations
Loans originated
< 2020–5050+None
Northeast1
PA
Midwest4
ILINMOOH
South4
FLSCTNTX
West7
AZCACOIDMTORWA

Top Metro Areas by Place Specialization Score

1© Johnwayne Stroud · CC BY-SA 3.0
Riverside, CAMetro
Volume 219Mix 32.93% of portfolio
77/100
Strong
2© Eric Polk · CC BY-SA 4.0
Los Angeles, CAMetro
Volume 134Mix 20.15% of portfolio
71/100
Strong
3© Sanfranman59 · CC BY-SA 3.0
Santa Rosa, CAMetro
Volume 33Mix 4.96% of portfolio
65/100
Strong
4© André Regius · CC BY-SA 3.0
Anaheim, CAMetro
Volume 51Mix 7.67% of portfolio
63/100
Strong
5© David Daniel Turner · CC BY 4.0
Houston, TXMetro
Volume 31Mix 4.66% of portfolio
51/100
Sound
6© Bobak Ha'Eri · CC BY 3.0
Bakersfield, CAMetro
Volume 14Mix 2.11% of portfolio
46/100
Sound
7© Ken Lund from Reno, Nevada, USA · CC BY-SA 2.0
Fresno, CAMetro
Volume 14Mix 2.11% of portfolio
46/100
Sound
8© DPPed · CC BY-SA 3.0
Phoenix, AZMetro
Volume 11Mix 1.65% of portfolio
40/100
Acceptable

Top States by Place Specialization Score

California
California
1
CaliforniaState
Volume 506Mix 76.09% of portfolio
76/100
Strong
Texas
Texas
2
TexasState
Volume 52Mix 7.82% of portfolio
51/100
Sound
Florida
Florida
3
FloridaState
Volume 52Mix 7.82% of portfolio
51/100
Sound
Arizona
Arizona
4
ArizonaState
Volume 16Mix 2.41% of portfolio
43/100
Sound

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion
Champion(80%+ = 40-50 points)
Superstar
Superstar(60-79% = 30-39 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 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
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.