Lender in California · HMDA 2025
New American Funding mortgages in California
New American Funding's 2025 home-purchase and refinance lending in California, compared with all lenders in the state.
New American Funding originated 3,131 owner-occupied single-family loans in California from 3,500 completed applications, making it the state's #19 lender by volume.
Its median conventional purchase loan costs were $8,480 versus $7,920 for all California lenders, at a median 30-year fixed rate of 6.75% (California: 6.625%).
Loans in CA
3,131
of 3,500 applications
Denial rate
2.5%
Purchase · CA 8.9%
Rate spread
+0.32 pts
Conv. · CA +0.09 pts
Loan amount
$575,000
Purchase · CA $575,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 2,369 | 2,299 | 2.5% | 6.750% | +0.32 pts | $8,480 | $575,000 |
| Refinance | 529 | 444 | 15.5% | 6.624% | +0.16 pts | $5,190 | $615,000 |
| Cash-out refinance | 602 | 388 | 35.5% | 6.875% | +0.45 pts | $7,020 | $415,000 |
*Conventional loans only; medians with at least 20 loans.
California counties where New American Funding ranks in the top 25
Showing the 30 counties where it ranks highest, of 31.
| County | Rank | Loans | Market share |
|---|---|---|---|
| Calaveras County | 3 | 23 | 3.8% |
| Sonoma County | 7 | 101 | 2.5% |
| Inyo County | 11 | 2 | 1.8% |
| Modoc County | 11 | 1 | 2.3% |
| Solano County | 12 | 81 | 1.6% |
| Contra Costa County | 13 | 202 | 1.7% |
| Siskiyou County | 14 | 6 | 1.6% |
| Los Angeles County | 15 | 673 | 1.3% |
| San Bernardino County | 15 | 211 | 1.1% |
| Humboldt County | 15 | 9 | 1.0% |
| Mendocino County | 16 | 9 | 1.8% |
| Tehama County | 16 | 9 | 1.8% |
| Marin County | 17 | 34 | 1.5% |
| Mariposa County | 17 | 2 | 1.4% |
| Orange County | 18 | 229 | 1.1% |
| Alameda County | 18 | 153 | 1.1% |
| San Mateo County | 18 | 75 | 1.3% |
| Riverside County | 21 | 278 | 1.0% |
| Santa Clara County | 21 | 137 | 0.8% |
| Kern County | 21 | 100 | 1.1% |
| Merced County | 21 | 22 | 1.0% |
| San Francisco County | 22 | 43 | 0.9% |
| Napa County | 22 | 9 | 1.0% |
| San Benito County | 22 | 7 | 1.0% |
| Stanislaus County | 23 | 41 | 0.9% |
| Sutter County | 23 | 6 | 0.8% |
| Lassen County | 24 | 2 | 0.8% |
| Madera County | 25 | 14 | 0.6% |
| Kings County | 25 | 10 | 0.6% |
| Lake County | 25 | 5 | 0.9% |
- New American Funding nationwide
- California mortgage market
- New American Funding in Texas
- New American Funding in Georgia
- New American Funding in Illinois
- New American Funding in Florida
- New American Funding in Missouri
- New American Funding in Pennsylvania
- New American Funding in Minnesota
- New American Funding in Washington
- New American Funding in Ohio
- New American Funding in Tennessee
- New American Funding in North Carolina
- New American Funding in Iowa
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology