AHL Funding

Name

AHL Funding

Legal name

AHL Funding DBA American Home Loans

Website

https://ahlfunding.com

Company type

Private

Founded year

1992

Operating status

Operating

Headcount range

101–250 employees

Ownership category

akta.pro rank

Product category

Non-QM Wholesale Mortgage Lending

SIC

Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Mini-Correspondent / Table Funding Programs (FSALACAC)

Keywords

• Wholesale mortgage lending
• Non-QM loan programs
• Bank statement loans
• Mortgage broker services
• Non-prime mortgage financing

Headquarters

HQ city

Irvine

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales

Revenue model

1. Mortgage Loan Origination: AHL Funding operates as a wholesale mortgage lender that originates Non-QM loans through mortgage broker partners. Revenue is generated through the spread between the interest rate charged to borrowers and the cost of funds, plus origination fees. The company works exclusively with brokers to originate loans.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels3 records

Core offering

AHL Funding is a wholesale mortgage lender specializing in Non-QM (non-qualified mortgage) loan programs distributed exclusively through approved mortgage brokers. The company offers three primary loan programs (AHL Platinum, AHL Core, and AHL DSCO) supporting multiple documentation types (bank statements, full documentation, bank statements plus asset assist, and asset-only), with loan amounts up to $4 million and closing times as quick as 10 days for investment property loans.

Product overview

AHL Funding is a Wholesale Mortgage Lender specializing in Non-QM (Non-Qualified Mortgage) loan programs for mortgage brokers. The company offers a portfolio of three distinct loan programs (AHL Platinum, AHL Core, and AHL DSCO) that cater to different borrower profiles, including those with LTVs up to 90%, owner-occupied/second home borrowers, and non-owner investment properties. Each program supports multiple documentation types including bank statements, full documentation, bank statements with asset assist, and asset-only qualification. The products are designed to serve borrowers who do not qualify for conventional loans, offering faster closing times (as quick as 10 days) and more flexible underwriting guidelines compared to conforming loans.

Differentiator

Problem solved

Functional benefit

Products and services

• AHL Platinum A Non-QM loan program designed for borrowers with LTVs 90% or lower, offering near-prime rates with more aggressive guidelines than conforming loans. Supports bank statements, full documentation, bank statements plus asset assist, and asset-only documentation. Loan amounts to $4 million, 90% LTV to $2 million, cash out up to $500k, and DTI to 50%. Distributed exclusively through approved mortgage brokers.
• AHL Core A Non-QM loan program for owner occupied and second home borrowers requiring flexibility in mortgage history, credit history, or payment and documentation. Expanded credit parameters with cash out to $1 million, 55% DTI allowed, 2-4 unit properties, rural properties, and 2 years out of bankruptcy. Supports bank statements, full documentation, bank statements plus asset assist, and asset-only documentation. Distributed through approved mortgage brokers.
• AHL DSCO A non-owner investment purpose Non-QM loan program designed for quick closings on rental properties. Loan amounts up to $3 million, up to 80% LTV, DSCR ratio to .75, no-income non-owner qualification, and close in as quick as 10 days. Uses rental survey on appraisal for income and supports interest-only payment qualification. Distributed through approved mortgage brokers.
• Bank Statements Documentation Program A documentation type that uses both business and personal bank statements to qualify borrowers, with a variable expense ratio as low as 20% and LTV up to 90%. Designed for self-employed borrowers who cannot provide standard income documentation. Available across the AHL Platinum, AHL Core, and AHL DSCO programs.
• Full Documentation Program A full documentation loan program for Fannie Mae ineligible loans, offering up to 90% LTV with no mortgage insurance, DTI up to 55%, interest only options, and loan amounts to $3 million. Available across AHL Platinum and AHL Core programs.
• Bank Statements + Asset Assist A hybrid documentation program combining bank statements and 2 months of asset statements to qualify borrowers who are close on DTI. Accepts cash in bank, stocks, bonds, 401k, and other assets as qualifying funds. Available across AHL Platinum and AHL Core programs.
• Asset Only Program An asset-based qualification program that uses 6 months of assets in lieu of traditional income documentation. Accepts 100% of cash in bank, 80% of stocks/bonds/mutual funds, and 80% of IRA/401k/retirement accounts. Available across AHL Platinum and AHL Core programs.

Quantifiable outcome

• Loans can close in as quick as 10 days

Segments2 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Scale indicators4 records

Recent moves4 records

Expansion highlights5 records

Direct peers

• Athas Capital Group: Wholesale Non-QM lender offering bank statement, DSCR, and expanded-qualification programs to mortgage brokers — closely comparable business model and borrower target.
• Sprout Mortgage: Wholesale Non-QM lender offering bank statement, DSCR, and asset-based products through broker partners — directly comparable in go-to-market and target borrower profile.
• Deephaven Mortgage: Non-QM wholesale lender focused on DSCR, bank statement, and investor programs distributed exclusively through brokers, with similar jumbo and investor-product emphasis as AHL.
• Citadel Servicing Corporation: Non-QM lender that originates and services non-conforming mortgage products through wholesale and broker channels, competing in bank statement and DSCR investor lending.
• LoanStream Mortgage: Wholesale and Non-QM mortgage lender with broker-facing technology and a comparable product menu including bank statement and investor programs.
• Angel Oak Mortgage Solutions: One of the largest Non-QM wholesale lenders in the US, offering bank statement, DSCR, and non-conforming programs through mortgage brokers — directly comparable to AHL Funding's product set and broker-channel focus.
• Verus Mortgage Capital: Non-QM wholesale and correspondent mortgage lender with a similar product suite of bank statement, investor, and expanded-qualification programs, competing head-to-head for broker-sourced originations.

Broad incumbents

• Rocket Mortgage: Largest US mortgage originator with retail-direct and broker channels and a growing Non-QM product set. Represents a structural threat via brand, scale, and ongoing broker-partner recruitment.
• United Wholesale Mortgage (UWM): The largest US wholesale mortgage lender, with a broad product portfolio including Non-QM options. Operates at much greater scale but shares the wholesale broker channel as AHL's primary go-to-market.
• Caliber Home Loans: Large diversified mortgage lender with a meaningful Non-QM and wholesale origination business, competing for similar broker partners and non-conforming borrower segments.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about AHL Funding