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AML Funding LLC dba Absolute Mortgage & Lending

Dallas, TX

AML Funding LLC dba Absolute Mortgage & Lending processed 1,609 mortgage applications in 2024 per HMDA data reported to the Consumer Financial Protection Bureau (CFPB), originating 1,217 loans with a 5.5% denial rate. Home Purchase was the primary loan purpose. Based in Dallas, TX. The approval rate of 75.6% reflects originated loans as a share of all applications.

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several outcomes beyond approved-and-funded, including files that were approved but not accepted by the applicant, withdrawn, or closed for incompleteness. AML Funding LLC dba Absolute Mortgage & Lending's 75.6% origination rate tells you how often an application turned into funded money; the 5.5% denial rate is a separate read on underwriting strictness. The most frequently cited denial reasons in this file were Other, Debt-to-income ratio, Collateral, which together explain the majority of rejections. Most activity concentrated in Conventional loans (1,398 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.

1,609
Applications
1,217
Originated
5.5%
Denial Rate
$301,557
Avg Loan Amount
Avg Interest Rate: 6.781% Avg Applicant Income: $40,000

Lending Activity

Type Applications Originated Denied Avg Loan
Conventional 1,398 1,065 77 $301,788
FHA 160 112 8 $294,563
VA 50 39 3 $317,800
USDA 1 1 0 $285,000

Top loan types - AML Funding LLC dba Absolute Mortgage & Lending

Top loan types - AML Funding LLC dba Absolute Mortgage & Lending Horizontal bar chart of the top 4 items by value (applications). Top loan types - AML Funding LLC dba Absolute Mortgage & Lending Top 4 1. Conventional 1,398 2. FHA 160 3. VA 50 4. USDA 1 Top 5 loan types by application volume at AML Funding LLC dba Absolute Mortgage & Lending (HMDA 2024). Source: CFPB HMDA loan/application register.

Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2024 LAR, application-level mortgage data for AML Funding LLC dba Absolute Mortgage & Lending (LEI: 254900RM3T6WAVE6SA24) · 2024 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.

Denial Analysis

Other
25
Debt-to-income ratio
19
Collateral
17
Credit history
12
Unverifiable information
10
Insufficient cash
8
Employment history
2

Loan Purpose Breakdown

Purpose Applications Originated Avg Loan
Home Purchase 1,356 1,057 $305,959
Cash-out Refinancing 180 111 $259,444
Refinancing 73 49 $323,630

Geographic Coverage — Lending by Race

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

Race Applications Approval Rate Denial Rate
Asian 1,181 76.6% 5.4%
White 324 74.7% 4.3%
Joint * 38 84.2% 2.6%
Black or African American * 33 63.6% 12.1%
American Indian or Alaska Native * 4 75.0% 0.0%

* Fewer than 50 applications -- percentages for this group have wide statistical uncertainty and should not be read as precise.

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
Not Hispanic or Latino 1,401 76.0% 5.6%
Hispanic or Latino 154 76.6% 3.3%
Joint * 24 75.0% 0.0%

* Fewer than 50 applications -- percentages for this group have wide statistical uncertainty and should not be read as precise.

Nearby Lenders in TX

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

Nationstar Mortgage

Coppell, TX

110,111 apps 41,693 originated 9.2% denied

DHI Mortgage Company, LTD.

Austin, TX

96,056 apps 70,673 originated 10.3% denied

PRIMELENDING

DALLAS, TX

36,578 apps 25,147 originated 5.3% denied

Credit Human Federal Credit Un

San Antonio, TX

28,052 apps 2,953 originated 75.7% denied

Usaa Bank

SAN ANTONIO, TX

28,020 apps 13,205 originated 23.5% denied
Compare AML Funding LLC dba Absolute Mortgage & Lending vs Nationstar Mortgage →

Mortgage Lending Guides

Frequently Asked Questions

How many mortgage applications did AML Funding LLC dba Absolute Mortgage & Lending process?
AML Funding LLC dba Absolute Mortgage & Lending processed 1,609 mortgage applications in the 2024 HMDA reporting year. Of these, 1,217 were originated (approved and funded), 294 were withdrawn by the applicant, and 88 were denied.
What is AML Funding LLC dba Absolute Mortgage & Lending's mortgage approval rate?
AML Funding LLC dba Absolute Mortgage & Lending has an approval (origination) rate of 75.6%, meaning 75.6% of all applications resulted in a funded mortgage. The denial rate is 5.5%.
What is the average loan amount at AML Funding LLC dba Absolute Mortgage & Lending?
The average mortgage loan amount at AML Funding LLC dba Absolute Mortgage & Lending is $301,557. The average interest rate is 6.781%. The average applicant income is $40,000.
What are the most common reasons for mortgage denial at AML Funding LLC dba Absolute Mortgage & Lending?
The most common reasons for mortgage denial at AML Funding LLC dba Absolute Mortgage & Lending are: Other, Debt-to-income ratio, Collateral. In total, 88 applications were denied out of 1,609 total applications.
What types of mortgage loans does AML Funding LLC dba Absolute Mortgage & Lending offer?
AML Funding LLC dba Absolute Mortgage & Lending processes Conventional, FHA, VA, USDA loans. The most common type is Conventional with 1,398 applications and an average loan amount of $301,788.
What loan purposes does AML Funding LLC dba Absolute Mortgage & Lending serve?
AML Funding LLC dba Absolute Mortgage & Lending serves the following loan purposes: Home Purchase (1,356 applications), Cash-out Refinancing (180 applications), Refinancing (73 applications). Home Purchase is the most common purpose.
Where is AML Funding LLC dba Absolute Mortgage & Lending located?
AML Funding LLC dba Absolute Mortgage & Lending is headquartered in Dallas, TX. The lender is identified by LEI 254900RM3T6WAVE6SA24 in HMDA data.
How does AML Funding LLC dba Absolute Mortgage & Lending compare in lending across racial demographics?
AML Funding LLC dba Absolute Mortgage & Lending reports demographic lending data under HMDA requirements. Asian applicants have an approval rate of 76.6% and denial rate of 5.4%; White applicants have an approval rate of 74.7% and denial rate of 4.3%; Joint applicants have an approval rate of 84.2% and denial rate of 2.6%. 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.

Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.