Ahl Funding Mortgage Lending & HMDA Data, 2022
In 2022, Ahl Funding of Irvine, CA reported 1,516 mortgage applications totaling $899.3 million, down 37% from 2021. The average application was for $593,205, and applicants reported an average income of $230,798. 41% of its applications resulted in an originated loan and 2% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (391), Riverside-San Bernardino-Ontario, CA (346) and Anaheim-Santa Ana-Irvine, CA (197) (applications in parentheses).
| Mortgage Company & Address | Ahl Funding 4 Park Plaza Suite 730 Irvine, CA 92614 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 |
| Total Number of Mortgage Applications | 1,516 |
| Total Mortgage Loan Application Amount | $899,300,000 |
| Average Mortgage Loan Application Amount | $593,205 |
| Highest Mortgage Loan Application Amount | $11,255,000 |
| Average Applicant Income | $230,798 |
| Highest Applicant Income | $8,400,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Ahl Funding filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Los Angeles-Long Beach-Glendale, CA | 391 | $ 280,725,000 | $ 717,966 | $ 272,000 |
| Riverside-San Bernardino-Ontario, CA | 346 | $ 158,280,000 | $ 457,456 | $ 160,000 |
| Anaheim-Santa Ana-Irvine, CA | 197 | $ 159,255,000 | $ 808,401 | $ 230,000 |
| San Diego-Carlsbad, CA | 64 | $ 45,570,000 | $ 712,031 | $ 230,000 |
| Houston-The Woodlands-Sugar Land, TX | 47 | $ 16,535,000 | $ 351,808 | $ 150,000 |
| Phoenix-Mesa-Scottsdale, AZ | 33 | $ 21,775,000 | $ 659,848 | $ 456,000 |
| Miami-Miami Beach-Kendall, FL | 27 | $ 13,805,000 | $ 511,296 | $ 530,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 25 | $ 17,135,000 | $ 685,400 | $ 202,000 |
| Stockton-Lodi, CA | 23 | $ 10,155,000 | $ 441,521 | $ 132,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 21 | $ 11,815,000 | $ 562,619 | $ 209,000 |
| Outside any metro area | 19 | $ 9,255,000 | $ 487,105 | $ 153,631 |
| Oakland-Hayward-Berkeley, CA | 18 | $ 13,610,000 | $ 756,111 | $ 309,000 |
| Bakersfield, CA | 17 | $ 4,165,000 | $ 245,000 | $ 119,000 |
| Dallas-Plano-Irving, TX | 15 | $ 4,855,000 | $ 323,666 | $ 187,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 14 | $ 6,800,000 | $ 485,714 | $ 132,000 |
| Austin-Round Rock, TX | 12 | $ 7,320,000 | $ 610,000 | $ 280,000 |
| Orlando-Kissimmee-Sanford, FL | 11 | $ 4,035,000 | $ 366,818 | $ 128,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 10 | $ 6,130,000 | $ 613,000 | $ 359,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 10 | $ 5,180,000 | $ 518,000 | $ 285,400 |
| San Francisco-Redwood City-South San Francisco, CA | 10 | $ 10,290,000 | $ 1,029,000 | $ 305,000 |
| Tucson, AZ | 10 | $ 3,600,000 | $ 360,000 | $ 139,000 |
| Fort Worth-Arlington, TX | 9 | $ 3,245,000 | $ 360,555 | $ 247,000 |
| Lake Havasu City-Kingman, AZ | 9 | $ 4,455,000 | $ 495,000 | $ 299,000 |
| Merced, CA | 9 | $ 2,405,000 | $ 267,222 | $ 61,000 |
| El Centro, CA | 8 | $ 4,160,000 | $ 520,000 | $ 486,000 |
| Modesto, CA | 8 | $ 3,220,000 | $ 402,500 | $ 116,000 |
| Port St. Lucie, FL | 8 | $ 2,740,000 | $ 342,500 | $ 114,000 |
| Lakeland-Winter Haven, FL | 7 | $ 2,005,000 | $ 286,428 | $ 77,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 7 | $ 6,905,000 | $ 986,428 | $ 327,000 |
| Tampa-St. Petersburg-Clearwater, FL | 7 | $ 2,635,000 | $ 376,428 | $ 167,000 |
| Waco, TX | 6 | $ 1,660,000 | $ 276,666 | $ 159,000 |
| Chicago-Naperville, IL | 5 | $ 3,085,000 | $ 617,000 | $ 273,000 |
| Denver-Aurora-Lakewood, CO | 5 | $ 3,065,000 | $ 613,000 | $ 475,000 |
| Jacksonville, FL | 5 | $ 1,385,000 | $ 277,000 | $ 119,000 |
| Longview, TX | 5 | $ 685,000 | $ 137,000 | $ 57,000 |
| Montgomery County-Bucks County-Chester County, PA | 5 | $ 2,305,000 | $ 461,000 | $ 131,000 |
| Salinas, CA | 5 | $ 2,285,000 | $ 457,000 | $ 187,000 |
| Vallejo-Fairfield, CA | 5 | $ 3,325,000 | $ 665,000 | $ 274,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 4 | $ 1,990,000 | $ 497,500 | $ 113,000 |
| Santa Maria-Santa Barbara, CA | 4 | $ 4,460,000 | $ 1,115,000 | $ 508,000 |
| Atlanta-Sandy Springs-Roswell, GA | 3 | $ 1,005,000 | $ 335,000 | $ 120,000 |
| Crestview-Fort Walton Beach-Destin, FL | 3 | $ 2,145,000 | $ 715,000 | $ 656,000 |
| East Stroudsburg, PA | 3 | $ 815,000 | $ 271,666 | $ 119,000 |
| Gainesville, FL | 3 | $ 795,000 | $ 265,000 | $ 157,000 |
| Indianapolis-Carmel-Anderson, IN | 3 | $ 525,000 | $ 175,000 | $ 87,000 |
| Napa, CA | 3 | $ 1,945,000 | $ 648,333 | $ 135,000 |
| Prescott Valley-Prescott, AZ | 3 | $ 1,595,000 | $ 531,666 | $ 153,000 |
| San Antonio-New Braunfels, TX | 3 | $ 1,295,000 | $ 431,666 | $ 163,000 |
| San Rafael, CA | 3 | $ 3,365,000 | $ 1,121,666 | $ 672,000 |
| Visalia-Porterville, CA | 3 | $ 1,065,000 | $ 355,000 | $ 239,000 |
| Beaumont-Port Arthur, TX | 2 | $ 630,000 | $ 315,000 | $ 113,000 |
| Bellingham, WA | 2 | $ 710,000 | $ 355,000 | $ 236,000 |
| Fort Wayne, IN | 2 | $ 300,000 | $ 150,000 | $ 132,000 |
| Fresno, CA | 2 | $ 1,640,000 | $ 820,000 | $ 2,077,000 |
| Kahului-Wailuku-Lahaina, HI | 2 | $ 1,440,000 | $ 720,000 | $ 125,000 |
| North Port-Sarasota-Bradenton, FL | 2 | $ 690,000 | $ 345,000 | $ 230,000 |
| Pensacola-Ferry Pass-Brent, FL | 2 | $ 500,000 | $ 250,000 | $ 163,000 |
| Tacoma-Lakewood, WA | 2 | $ 560,000 | $ 280,000 | $ 127,000 |
| Akron, OH | 1 | $ 215,000 | $ 215,000 | $ 126,000 |
| Brownsville-Harlingen, TX | 1 | $ 205,000 | $ 205,000 | $ 128,000 |
| Cape Coral-Fort Myers, FL | 1 | $ 245,000 | $ 245,000 | $ 120,000 |
| Cleveland-Elyria, OH | 1 | $ 165,000 | $ 165,000 | $ 89,000 |
| Gary, IN | 1 | $ 265,000 | $ 265,000 | $ 90,000 |
| Greeley, CO | 1 | $ 465,000 | $ 465,000 | $ 322,000 |
| Harrisburg-Carlisle, PA | 1 | $ 475,000 | $ 475,000 | $ 88,000 |
| Lake County-Kenosha County, IL-WI | 1 | $ 495,000 | $ 495,000 | $ 1,456,000 |
| Naples-Immokalee-Marco Island, FL | 1 | $ 355,000 | $ 355,000 | $ 466,000 |
| Olympia-Tumwater, WA | 1 | $ 385,000 | $ 385,000 | $ 300,000 |
| Panama City, FL | 1 | $ 255,000 | $ 255,000 | $ 1,088,000 |
| Peoria, IL | 1 | $ 105,000 | $ 105,000 | $ 66,000 |
| Philadelphia, PA | 1 | $ 365,000 | $ 365,000 | $ 111,000 |
| Punta Gorda, FL | 1 | $ 205,000 | $ 205,000 | $ 77,000 |
| Redding, CA | 1 | $ 355,000 | $ 355,000 | $ 102,000 |
| San Angelo, TX | 1 | $ 145,000 | $ 145,000 | $ 33,000 |
| Santa Rosa, CA | 1 | $ 1,095,000 | $ 1,095,000 | $ 746,000 |
| Seattle-Bellevue-Everett, WA | 1 | $ 445,000 | $ 445,000 | $ 753,000 |
| Tallahassee, FL | 1 | $ 265,000 | $ 265,000 | $ 82,000 |
Mortgage Loan Application Detail Totals for Ahl Funding in 2022
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 801 | $458,845,000 | $572,000 | $3,455,000 | $221,000 | $7,509,000 |
| Cash-out Refinancing | 491 | $294,325,000 | $599,000 | $11,255,000 | $236,000 | $8,400,000 |
| Refinancing | 222 | $145,720,000 | $656,000 | $4,005,000 | $256,000 | $4,123,000 |
| Other Purpose | 1 | $15,000 | $15,000 | $15,000 | $75,000 | $75,000 |
| Home Improvement | 1 | $395,000 | $395,000 | $395,000 | $87,000 | $87,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not Provided | 469 | $258,885,000 | $551,000 | $4,005,000 | $192,000 | $4,150,000 |
| Hispanic | 387 | $193,375,000 | $499,000 | $1,965,000 | $195,000 | $7,509,000 |
| White | 306 | $242,670,000 | $793,000 | $9,005,000 | $389,000 | $8,400,000 |
| Asian | 221 | $118,595,000 | $536,000 | $1,685,000 | $167,000 | $1,088,000 |
| Black or African American | 116 | $63,270,000 | $545,000 | $2,585,000 | $197,000 | $828,000 |
| American Indian or Alaskan Native | 1 | $655,000 | $655,000 | $655,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 1,188 | $746,810,000 | $628,000 | $11,255,000 | $264,000 | $8,400,000 |
| FHA-insured (Federal Housing Administration) | 288 | $131,520,000 | $456,000 | $1,565,000 | $113,000 | $428,000 |
| VA-guaranteed (Veterans Administration) | 39 | $20,635,000 | $529,000 | $1,255,000 | $107,000 | $240,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $335,000 | $335,000 | $335,000 | $93,000 | $93,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Application Withdrawn By Applicant | 839 | $522,255,000 | $622,000 | $11,255,000 | $222,000 | $8,400,000 |
| Loan Originated | 616 | $334,190,000 | $542,000 | $3,005,000 | $229,000 | $6,799,000 |
| Application Denied By Financial Institution | 32 | $19,670,000 | $614,000 | $1,675,000 | $358,000 | $3,484,000 |
| File Closed For Incompleteness | 27 | $22,335,000 | $827,000 | $4,005,000 | $377,000 | $3,403,000 |
| Application Approved But Not Accepted | 2 | $850,000 | $425,000 | $435,000 | $187,000 | $300,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 1,484 | $879,630,000 | $592,000 | $11,255,000 | $228,000 | $8,400,000 |
| Debt-To-Income Ratio | 10 | $4,290,000 | $429,000 | $1,675,000 | $104,000 | $305,000 |
| Credit History | 6 | $3,790,000 | $631,000 | $1,325,000 | $540,000 | $1,200,000 |
| Other | 5 | $3,215,000 | $643,000 | $1,175,000 | $149,000 | $246,000 |
| Unverifiable Information | 5 | $4,045,000 | $809,000 | $1,505,000 | $248,000 | $685,000 |
| Collateral | 4 | $2,350,000 | $587,000 | $1,365,000 | $1,128,000 | $3,484,000 |
| Credit Application Incomplete | 1 | $1,345,000 | $1,345,000 | $1,345,000 | $574,000 | $574,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $635,000 | $635,000 | $635,000 | $113,000 | $113,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Ahl Funding's 2022 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Ahl Funding's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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