Ahl Funding in California vs the state
0.5%Denial rate-16.92 pts vs state
1.0%Decision denial rate-21.43 pts vs state
51.0%Origination rate-5.16 pts vs state
6.88%Median rate+0.25 pts vs state
0.78Rate spread (pts)+0.50 pts vs state
$165kMedian applicant income
615Loans originated
6Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 601 | 298 | 2.2% | 6.99% | #197 |
| 2024 | 1,119 | 593 | 1.3% | 6.63% | #143 |
| 2025 | 1,205 | 615 | 0.5% | 6.88% | #151 |
What Ahl Funding lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Ahl Funding applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 416 | 203 | 2 | 0.5% |
| San Bernardino County | 235 | 126 | 0 | 0.0% |
| Riverside County | 196 | 88 | 1 | 0.5% |
| Orange County | 103 | 57 | 2 | 1.9% |
| Sonoma County | 53 | 39 | 1 | 1.9% |
| San Diego County | 50 | 25 | 0 | 0.0% |
| Kern County | 32 | 17 | 0 | 0.0% |
| Fresno County | 16 | 10 | 0 | 0.0% |
| Alameda County | 16 | 9 | 0 | 0.0% |
| Contra Costa County | 12 | 5 | 0 | 0.0% |
Other large lenders in California
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 79,261 | 12.6% | 6.49% |
| Rocket Mortgage | C | 58,925 | 17.6% | 6.75% |
| Bank of America | F | 40,190 | 30.8% | 5.99% |
| U.S. Bank | D | 32,493 | 31.6% | 6.50% |
| JPMorgan Chase Bank | B | 22,048 | 9.7% | 6.13% |
| Spring Eq | D | 21,601 | 50.8% | 8.88% |
| Schoolsfirst | A | 19,086 | 10.0% | 6.25% |
| Pennymac Loan Services | C | 18,754 | 13.5% | 6.50% |
| Newrez | D | 17,000 | 19.3% | 6.63% |
| Loandepot.Com | D | 16,645 | 18.7% | 6.63% |
Frequently asked questions
California: 1,205 applications in 2025, of which 615 were originated and 6 denied.
0.5% of all applications, or 1.0% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Ahl Funding originated in California in 2025 was 6.88%, against a statewide median of 6.63%.
About this data. Figures are Ahl Funding's own HMDA filing for properties located in California, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology