Mortgage by CountyWhat home buyers actually paid, county by county

Independent analysis of official mortgage recordsHMDA 2025 · 7,155,718 applications

Lender profile · HMDA 2025

Neal Communities Funding, LLC: 2025 mortgage rates, costs & approvals

How Neal Communities Funding, LLC priced and approved home loans in 2025, measured against every lender in the official HMDA records.

HMDA legal name: NEAL COMMUNITIES FUNDING, LLC · LEI 549300NZLFJGIDOXDW97

In 2025, Neal Communities Funding, LLC originated 384 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 1 state — 845th by volume among the 2,017 lenders profiled here.

On conventional 30-year fixed purchase loans its median rate was 6.125% (all lenders: 6.625%); its median rate spread was 45 basis points below the national median. Median conventional loan costs were $4,010, 28% lower than the national median ($5,570).

It denied 9.4% of completed home-purchase applications (all lenders: 8.5%).

Loans
384
of 424 applications
Denial rate
9.4%
Purchase · all 8.5%
30-yr fixed rate
6.125%
Conv. · all 6.625%
Loan costs
$4,010
Conv. · all $5,570
Loan amount
$365,000
Purchase · all $335,000
Borrower income
$135,000
Purchase · all $116,000

How Neal Communities Funding, LLC priced home-purchase loans

Purchase loans, 2025Neal Communities Funding, LLCAll lenders
30-year fixed rate · conventional6.125%6.625%
30-year fixed rate · FHA5.624%6.250%
30-year fixed rate · VA6.000%6.125%
15-year fixed rate · conventional—5.875%
Rate spread vs. APOR · conventional−0.32 pts+0.13 pts
Total loan costs · conventional$4,010$5,570
Total loan costs · FHA$9,610$11,310
Total loan costs · VA$4,750$6,490
Origination charges (all types)$100$1,860
Borrowers paying discount points69.0%51.3%
Points paid, when paid (% of loan)1.00%0.87%
Borrowers receiving lender credits11.5%33.1%

Medians shown with at least 20 loans. A lender's numbers reflect its borrowers (credit, down payment, loan size, location) as well as its pricing; HMDA has no credit scores. Rate spread = APR minus the average prime offer rate on the lock date, which removes most of the effect of when the rate was locked.

Loan mix and borrowers

By loan type

Conventional 73.2% 281
FHA 21.1% 81
VA 5.7% 22

By purpose

Home purchase 100.0% 384
Home value
$485,000
Median, purchase loans
Down payment
20%
All lenders 10%
Refi rate
—
30-yr fixed, conventional
Refi denial rate
—
Cash-out —

Why Neal Communities Funding, LLC denied purchase applications

Debt-to-income ratio 47.5% 19
Employment history 22.5% 9
Credit history 15.0% 6
Other 7.5% 3
Insufficient cash (down payment/closing costs) 5.0% 2
Credit application incomplete 2.5% 1

First reason the lender reported for each denied home-purchase application.

Where Neal Communities Funding, LLC lends

StateLoansApplicationsPurchase denial rate30-yr rate*Loan costs*
Florida3844249.4%6.125%$4,010

*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open Neal Communities Funding, LLC's page for that state.

Counties where Neal Communities Funding, LLC is a top lender

CountyRankLoansMarket share
Sarasota County, FL71822.6%
Manatee County, FL101672.1%

Check Neal Communities Funding, LLC yourself

This is a statistical profile, not a review or recommendation. HMDA data alone cannot show whether a lender complies with fair-lending laws, and a lender's medians depend on the borrowers it serves.

Lenders of similar size

Source: FFIEC/CFPB HMDA 2025 public LAR and filer list. Core segment: owner-occupied, single-family site-built, first-lien, closed-end purchase and refinance loans. Methodology