Lender in North Carolina · HMDA 2025
New American Funding mortgages in North Carolina
New American Funding's 2025 home-purchase and refinance lending in North Carolina, compared with all lenders in the state.
New American Funding originated 1,083 owner-occupied single-family loans in North Carolina from 1,302 completed applications.
Its median conventional purchase loan costs were $6,680 versus $4,840 for all North Carolina lenders, at a median 30-year fixed rate of 6.625% (North Carolina: 6.50%).
Loans in NC
1,083
of 1,302 applications
Denial rate
5.1%
Purchase · NC 7.6%
Rate spread
+0.41 pts
Conv. · NC +0.04 pts
Loan amount
$295,000
Purchase · NC $325,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 819 | 776 | 5.1% | 6.625% | +0.41 pts | $6,680 | $295,000 |
| Refinance | 141 | 115 | 18.4% | 6.375% | +0.26 pts | $6,680 | $295,000 |
| Cash-out refinance | 342 | 192 | 43.9% | 6.750% | +0.61 pts | $7,400 | $215,000 |
*Conventional loans only; medians with at least 20 loans.
North Carolina counties where New American Funding ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Mitchell County | 9 | 3 | 2.2% |
| Person County | 11 | 8 | 1.8% |
| Cherokee County | 11 | 5 | 1.5% |
| Lenoir County | 12 | 12 | 2.4% |
| Sampson County | 12 | 9 | 1.8% |
| Columbus County | 13 | 5 | 1.4% |
| Edgecombe County | 13 | 5 | 1.5% |
| Perquimans County | 15 | 4 | 2.0% |
| Caswell County | 15 | 3 | 1.8% |
| Wayne County | 16 | 22 | 1.3% |
| Granville County | 16 | 12 | 1.4% |
| Scotland County | 16 | 4 | 1.5% |
| Rutherford County | 17 | 8 | 1.1% |
| Richmond County | 17 | 4 | 1.2% |
| Washington County | 17 | 1 | 1.6% |
| Stanly County | 18 | 15 | 1.3% |
| Cleveland County | 18 | 13 | 1.1% |
| Pitt County | 20 | 26 | 1.2% |
| Martin County | 20 | 2 | 1.3% |
| Anson County | 21 | 2 | 1.1% |
| Burke County | 22 | 7 | 0.7% |
| Cumberland County | 23 | 57 | 1.0% |
| Nash County | 23 | 13 | 0.9% |
| Duplin County | 24 | 4 | 1.1% |
| Wilkes County | 24 | 4 | 0.7% |
| Bladen County | 24 | 2 | 1.1% |
| Lincoln County | 25 | 16 | 1.0% |
| Camden County | 25 | 2 | 0.7% |
| Polk County | 25 | 2 | 0.9% |
- New American Funding nationwide
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Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology