Ahl Funding mortgage approval rate & lending review
Ahl Funding decided 2,147 mortgage applications and funded 2,086 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Ahl Funding reported under the Home Mortgage Disclosure Act, not its advertised interest rates. For current rates and applications go to ahlfunding.com.
This lender is broker only. It does not take applications from borrowers directly; you would reach it through a mortgage broker.
Ahl Funding at a glance
Approval is 13.5 points above the 83.8% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 99% | 1,486 / 1,503 | 100% | $535K | 1,484 |
| Cash-out refinance | 92% | 211 / 230 | 100% | $405K | 210 |
| Refinance | 95% | 108 / 114 | 100% | $555K | 108 |
| Investment property purchase | 94% | 115 / 123 | 100% | $465K | 115 |
| Investment cash-out refinance | 96% | 134 / 140 | 99% | $475K | 133 |
| Investment refinance | 97% | 36 / 37 | 100% | $555K | 36 |
Ahl Funding lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| California | 98% | $535K | 1,533 | 1,498 |
| Florida | 96% | $385K | 182 | 173 |
| Texas | 98% | $335K | 172 | 168 |
| Arizona | 98% | $365K | 86 | 83 |
| North Carolina | 100% | $315K | 43 | 43 |
| Tennessee | 95% | $165K | 20 | 19 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Ahl Funding lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| San Bernardino County, CA | Mortgage lenders | 100% | 277 | 276 |
| Sonoma County, CA | Mortgage lenders | 98% | 61 | 60 |
The county markets where Ahl Funding made the most loans. Each link opens that market with every lender ranked.
Questions about Ahl Funding
What is Ahl Funding's mortgage approval rate?
Ahl Funding approved 97.3% of the 2,147 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 13.5 points above the 83.8% national rate for the same mix of loan types.
How often do borrowers take the loan Ahl Funding offers?
Borrowers accepted 100% of the loans Ahl Funding approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Ahl Funding make?
The typical home purchase mortgage loan Ahl Funding made was $535K; across all loan types its typical loan ran from $405K to $555K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Ahl Funding lend?
Ahl Funding decided applications in 23 of the states Fat Boy Data covers, most of them in California, Florida and Texas.
Can I apply to Ahl Funding directly?
No. Ahl Funding is a wholesale lender: it funds loans that mortgage brokers bring to it and does not take applications from borrowers directly. Its website is ahlfunding.com.
Does this page show Ahl Funding's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Ahl Funding treats applications, then get a rate quote from the lender.