AHL Funding Company Profile

Background

AHL Funding, operating as a division of American Home Loans, is a prominent Non-Qualified Mortgage (Non-QM) wholesale lender headquartered in Irvine, California. With over 25 years of experience in the mortgage industry, AHL Funding specializes in providing innovative mortgage solutions tailored to borrowers who may not meet traditional lending criteria. The company's mission is to shape and build the next generation of mortgage lending through exceptional customer service, integrity, strength, and experience.

Key Strategic Focus

AHL Funding's strategic focus centers on offering flexible and comprehensive Non-QM loan products designed to accommodate a diverse range of borrower profiles. Their primary objectives include:

Innovative Loan Programs: Developing and offering loan products such as AHL Platinum, AHL Core, and AHL DSCO, each tailored to meet specific borrower needs, including self-employed individuals and real estate investors.

Broker Empowerment: Providing mortgage brokers with the tools and support necessary to effectively serve clients with unique financial backgrounds, thereby expanding their market reach.

Technological Integration: Leveraging advanced technology platforms to streamline loan processing, enhance customer service, and improve operational efficiency.

Financials and Funding

While specific financial details are not publicly disclosed, AHL Funding has demonstrated significant growth and stability in the Non-QM lending sector. The company has funded over $100 million in Non-QM loans and has expanded its operations across 18 states, reflecting a robust financial position and a commitment to broadening its market presence.

Pipeline Development

AHL Funding's pipeline development focuses on continuously enhancing its Non-QM loan offerings to meet the evolving needs of borrowers. Key initiatives include:

Product Diversification: Expanding loan programs to cater to various borrower scenarios, such as bank statement loans for self-employed individuals and debt service coverage ratio (DSCR) loans for investors.

Geographic Expansion: Increasing the company's footprint by entering new state markets, thereby reaching a broader client base and addressing regional lending needs.

Technological Platform and Innovation

AHL Funding distinguishes itself through the integration of advanced technological platforms that enhance its lending processes:

OptifiNow TPO CRM System: Implemented to optimize sales and marketing efforts, providing account executives with a comprehensive view of customer performance metrics and facilitating efficient management of broker relationships.

Lender Price Marketplace: Partnered with Lender Price to streamline access to AHL's Non-QM loan programs, enabling brokers to easily explore and submit loan applications through a centralized platform.

Leadership Team

AHL Funding's leadership team comprises seasoned professionals with extensive experience in the mortgage industry:

Brian Fox: Senior Vice President of Wholesale Lending. Fox plays a pivotal role in overseeing the company's wholesale lending operations and strategic partnerships.

Justin Smith: Founder and President. Smith leads the company's strategic direction and has been instrumental in establishing AHL Funding as a leader in Non-QM lending.

David Orloff: Chief Executive Officer. Orloff focuses on driving the company's growth initiatives and operational excellence.

Leadership Changes

As of the latest available information, there have been no recent significant changes or appointments within AHL Funding's leadership team.

Competitor Profile

Market Insights and Dynamics

The Non-QM lending market has experienced substantial growth, driven by increasing demand from borrowers who do not qualify for traditional mortgage products. This includes self-employed individuals, real estate investors, and those with unique financial situations. The market's expansion is further supported by the rise of the gig economy and a growing number of borrowers seeking alternative financing solutions.

Competitor Analysis

Key competitors in the Non-QM wholesale lending space include:

LendSure Mortgage Corp.: Specializes in Non-QM loans and has been involved in significant securitization transactions, indicating a strong market presence.

Newfi Lending: Continues to purchase Non-QM loans in specific markets, demonstrating adaptability and resilience in the face of regulatory changes.

Angel Oak Mortgage Solutions: A leading Non-QM lender known for its comprehensive product offerings and significant market share.

Strategic Collaborations and Partnerships

AHL Funding has established strategic partnerships to enhance its market position and operational capabilities:

Lender Price Partnership: By joining the Lender Price Marketplace, AHL Funding has expanded broker access to its Non-QM loan programs, streamlining the loan submission process and increasing visibility among mortgage brokers.

OptifiNow TPO Implementation: The adoption of the OptifiNow TPO CRM system has optimized AHL's sales and marketing efforts, enabling more effective engagement with mortgage brokers and improved management of broker relationships.

Operational Insights

AHL Funding's strategic considerations in relation to major competitors and market position include:

Flexible Underwriting Standards: Offering "common sense" underwriting standards that provide flexibility to accommodate a wide range of borrower profiles, distinguishing AHL from competitors with more rigid criteria.

Technological Integration: Utilizing advanced technology platforms to streamline operations, enhance customer service, and improve efficiency, positioning AHL as a forward-thinking lender in the Non-QM space.

Broker-Centric Approach: Focusing on empowering brokers with comprehensive support, innovative loan products, and efficient processes to foster strong, long-term partnerships.

Strategic Opportunities and Future Directions

AHL Funding's strategic roadmap includes:

Product Innovation: Continuously developing and refining loan products to meet the evolving needs of borrowers, ensuring relevance and competitiveness in the market.

Market Expansion: Pursuing opportunities to enter new state markets, broadening the company's reach and serving a more diverse client base.

Enhanced Broker Support: Investing in resources and technologies that further empower brokers, facilitating growth and success in the Non-QM lending sector.