Purchase Originations
510
Ranked #614 nationally
Median Total Costs
$17,641
+164.1% vs national ($6,680)
↓ $32 vs prior year
Median Rate
6.625%
+2.1% vs national (6.490%)
↑ 0.000% vs prior year
Median Origination
$8,584
Median Lender Credits
$375
Cost Rank (500+ vol.)
#616
among lenders with 500+ originations
Denial Rate
0.5%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| fha | 289 | 6.625% | $21,702 | $9,023 |
| conventional | 193 | 6.990% | $13,229 | $8,428 |
| va | 28 | 6.562% | $10,676 | $2,790 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| California | 386 | 6.625% | $19,671 | #99 |
| North Carolina | 46 | 6.990% | $10,502 | — |
| Florida | 31 | 6.750% | $20,405 | — |
| Texas | 27 | 6.625% | $13,912 | — |
| Nevada | 5 | 6.250% | $10,493 | — |
| Oregon | 3 | 6.875% | $8,316 | — |
| Tennessee | 3 | 7.000% | $12,459 | — |
| Arizona | 2 | 6.625% | $9,802 | — |
| Illinois | 2 | 6.750% | $15,740 | — |
| Ohio | 2 | 6.620% | $7,000 | — |
| Colorado | 1 | 7.125% | $23,170 | — |
| Indiana | 1 | 6.500% | $6,081 | — |
| Washington | 1 | 7.250% | $33,167 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $10,140 | 6.500% | — | 21 | −$7,501 | |
| 2 | $10,478 | 6.625% | — | 3 | −$7,163 | |
| 3 | $10,493 | 6.250% | — | 5 | −$7,148 | |
| 4 | $10,632 | 6.625% | — | 13 | −$7,009 | |
| 5 | $11,494 | 6.990% | — | 9 | −$6,147 | |
| 6 | $12,209 | 7.125% | — | 5 | −$5,432 | |
| 7 | $12,390 | 6.750% | — | 9 | −$5,251 | |
| 8 | $12,707 | 6.562% | — | 4 | −$4,934 | |
| 9 | $13,081 | 6.750% | — | 10 | −$4,560 | |
| 10 | $13,704 | 6.625% | — | 6 | −$3,937 | |
| 11 | $14,398 | 6.625% | — | 3 | −$3,243 | |
| 12 | $14,867 | 7.062% | — | 6 | −$2,774 | |
| 13 | $15,859 | 6.500% | — | 3 | −$1,782 | |
| 14 | $17,145 | 7.308% | — | 4 | −$496 | |
| 15 | $17,289 | 6.688% | — | 28 | −$352 | |
| 16 | $18,131 | 6.625% | — | 93 | +$490 | |
| 17 | $20,365 | 6.688% | — | 6 | +$2,724 | |
| 18 | $22,124 | 6.750% | — | 67 | +$4,483 | |
| 19 | $23,831 | 6.625% | — | 128 | +$6,190 | |
| 20 | $25,094 | 6.750% | — | 13 | +$7,453 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Ahl Funding | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $525,000 | $335,000 | +$190,000 (+56.7%) |
| Median total closing costs | $17,641 | $7,127 | +$10,514 (+147.5%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.