New American Funding Mortgage vs. LightStream Auto Loan
Side-by-side comparison · Updated 2026 · Independently reviewed
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. LightStream Auto Loan may still be the right fit depending on your loan amount and term needs.
Feature
New American Funding
LightStream Auto Loan
APR Range
6.40% – 8.30% Best
6.49% – 20.49%
Loan Amount
$75,000 – $3,500,000 Best
$5,000 – $100,000
Term Length
120–360 months
24–84 months
Origination Fee
Varies; competitive on FHA and non-QM
None
Min Credit Score
580+ Best
660+
Funding Speed
21–30 days
Same day
New American Funding Mortgage
LightStream Auto Loan
Pros
- Very competitive rates
- Very competitive rates
- Same-day funding
- Same-day funding
- No fees
- No fees
Cons
- Best for strong credit
- Best for strong credit
- Online only
- Online only
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