loanDepot Mortgage vs. New American Funding Mortgage
Side-by-side comparison · Updated 2026 · Independently reviewed
loanDepot Mortgage
loanDepot
4.2
High-volume online lender with a fully digital application and a wide range of loan types.
Full review →New American Funding Mortgage
New American Funding
4.4
FHA and non-QM specialist with bilingual support and a 580+ credit score minimum for some programs.
Full review →WealthSpott Verdict
New American Funding Mortgage wins on more measurable categories — particularly on rate and cost. loanDepot Mortgage may still be the right fit depending on your loan amount and term needs.
Feature
loanDepot Mortgage
New American Funding
APR Range
6.40% – 7.90%
6.40% – 8.30%
Loan Amount
$100,000 – $3,000,000
$75,000 – $3,500,000 Best
Term Length
180–360 months
120–360 months
Origination Fee
0%–2% of loan amount
Varies; competitive on FHA and non-QM
Min Credit Score
620+
580+ Best
Funding Speed
21–30 days
21–30 days
loanDepot Mortgage
New American Funding Mortgage
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