PlainLender

AHL Funding

Irvine, CA

AHL Funding processed 1,496 mortgage applications in 2024 per HMDA data reported to the Consumer Financial Protection Bureau (CFPB), originating 810 loans with a 1.3% denial rate. Home Purchase was the primary loan purpose. Based in Irvine, CA. The approval rate of 54.1% reflects originated loans as a share of all applications. Below you will find a breakdown by loan type, loan purpose, denial reasons, and demographic lending patterns as required by the Home Mortgage Disclosure Act.

Portfolio scale. AHL Funding processed 1,496 HMDA-reported mortgage applications in 2024, originating 810 loans and denying 19 for a denial rate of 1.3% (applicants themselves withdrew 665 files before a decision). The average loan amount was $584,051 at a 6.984% average note rate, and applicants self-reported an average income of $41,000. The lender reports under LEI 254900JZN2V0PWFMW808 from Irvine, CA.

Why approval and denial rates diverge. Approval (origination) rate and denial rate do not sum to 100% — HMDA records several outcomes beyond approved-and-funded, including files that were approved but not accepted by the applicant, withdrawn, or closed for incompleteness. AHL Funding's 54.1% origination rate tells you how often an application turned into funded money; the 1.3% denial rate is a separate read on underwriting strictness. The most frequently cited denial reasons in this file were Collateral, Credit history, Other, which together explain the majority of rejections. Most activity concentrated in Conventional loans (890 applications).

How to read this page. These figures are aggregate HMDA disclosures — they describe this lender's overall 2024 book, not your individual odds. Approval and denial rates are shaped by the applicant mix a lender actually receives: credit profile, loan-to-value, debt-to-income, property type, and geography. A lower denial rate at one lender versus another does not necessarily mean easier underwriting — it often reflects borrower self-selection and loan-product specialization. This page is informational data reporting, not financial, legal, or mortgage advice. Compare multiple lenders, read your Loan Estimate carefully, and consult a licensed mortgage professional before applying. Data reflects 2024 disclosures published by the CFPB in 2025.

1,496
Applications
810
Originated
1.3%
Denial Rate
$584,051
Avg Loan Amount
Avg Interest Rate: 6.984% Avg Applicant Income: $41,000

Lending Activity

Type Applications Originated Denied Avg Loan
Conventional 890 419 18 $624,202
FHA 566 367 1 $517,933
VA 39 24 0 $631,410
USDA 1 0 0 $425,000

Top loan types — AHL Funding

Top loan types — AHL Funding Horizontal bar chart of the top 4 items by value (applications). Top loan types — AHL Funding Top 4 1. Conventional 890 2. FHA 566 3. VA 39 4. USDA 1 Top 5 loan types by application volume at AHL Funding (HMDA 2023). Source: CFPB HMDA loan/application register.

Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2023 LAR — application-level mortgage data for AHL Funding (LEI: 254900JZN2V0PWFMW808) · 2023 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.

Denial Analysis

Collateral
10
Credit history
4
Other
4
Debt-to-income ratio
2
Employment history
1

Loan Purpose Breakdown

Purpose Applications Originated Avg Loan
Home Purchase 1,004 654 $541,992
Cash-out Refinancing 325 107 $653,369
Refinancing 167 49 $702,006

Geographic Coverage — Lending by Race

Derived race categories as reported under HMDA. Source: CFPB.

Race Applications Approval Rate Denial Rate
White 724 55.1% 1.8%
Asian 117 41.9% 0.8%
Black or African American 81 38.3% 1.2%
Joint 8 50.0% 0.0%
American Indian or Alaska Native 7 42.9% 0.0%
2 or more minority races 2 100.0% 0.0%
Native Hawaiian or Other Pacific Islander 2 100.0% 0.0%

Lending by Ethnicity

Hispanic/Latino is an ethnicity, not a race. Shown separately per U.S. Census Bureau standards.

Ethnicity Applications Approval Rate Denial Rate
Hispanic or Latino 561 56.7% 0.5%
Not Hispanic or Latino 397 48.6% 2.3%
Joint 20 75.0% 5.0%

Nearby Lenders in CA

Other HMDA-reporting lenders in CA with similar activity. Compare any two side-by-side.

PENNYMAC LOAN SERVICES LLC

WESTLAKE VILLAGE, CA

384,816 apps 67,294 originated 4.7% denied

Bank of America NA

Westlake Village, CA

233,637 apps 83,165 originated 34.6% denied

AmeriHome Mortgage Company, LLC

Thousand Oaks, CA

149,937 apps 6,250 originated 0.8% denied

LOANDEPOT.COM, LLC

IRVINE, CA

142,924 apps 79,418 originated 23.3% denied

NEW AMERICAN FUNDING, LLC.

TUSTIN, CA

118,479 apps 48,639 originated 11.1% denied
Compare AHL Funding vs PENNYMAC LOAN SERVICES LLC →

Mortgage Lending Guides

Why Mortgages Get Denied
Common denial reasons and how to improve your chances
Comparing Mortgage Lenders
What to look for when choosing a mortgage lender
Getting the Best Mortgage Rate
Strategies for securing the lowest interest rate
Understanding HMDA Data
How to read and interpret mortgage disclosure data
Denial Rates by Demographics
Demographic patterns in mortgage approval and denial

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Frequently Asked Questions

How many mortgage applications did AHL Funding process?
AHL Funding processed 1,496 mortgage applications in the 2023 HMDA reporting year. Of these, 810 were originated (approved and funded), 665 were withdrawn by the applicant, and 19 were denied.
What is AHL Funding's mortgage approval rate?
AHL Funding has an approval (origination) rate of 54.1%, meaning 54.1% of all applications resulted in a funded mortgage. The denial rate is 1.3%.
What is the average loan amount at AHL Funding?
The average mortgage loan amount at AHL Funding is $584,051. The average interest rate is 6.984%. The average applicant income is $41,000.
What are the most common reasons for mortgage denial at AHL Funding?
The most common reasons for mortgage denial at AHL Funding are: Collateral, Credit history, Other. In total, 19 applications were denied out of 1,496 total applications.
What types of mortgage loans does AHL Funding offer?
AHL Funding processes Conventional, FHA, VA, USDA loans. The most common type is Conventional with 890 applications and an average loan amount of $624,202.
What loan purposes does AHL Funding serve?
AHL Funding serves the following loan purposes: Home Purchase (1,004 applications), Cash-out Refinancing (325 applications), Refinancing (167 applications). Home Purchase is the most common purpose.
Where is AHL Funding located?
AHL Funding is headquartered in Irvine, CA. The lender is identified by LEI 254900JZN2V0PWFMW808 in HMDA data.
How does AHL Funding compare in lending across racial demographics?
AHL Funding reports demographic lending data under HMDA requirements. White applicants have an approval rate of 55.1% and denial rate of 1.8%; Asian applicants have an approval rate of 41.9% and denial rate of 0.8%; Black or African American applicants have an approval rate of 38.3% and denial rate of 1.2%. This data reflects derived race categories as reported by applicants.

Data Sources

Data as of 2024. Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024 Snapshot.

Data from FFIEC / CFPB HMDA 2024 Snapshot National Loan-Level Dataset. Demographic data reflects derived categories as reported by applicants. Denial rates include all application outcomes. This data is provided for informational purposes only.

Read our methodology — how this data is sourced, computed, and verified.