New American Funding Mortgage vs. LightStream Personal 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 Personal Loan may still be the right fit depending on your loan amount and term needs.
Feature
New American Funding
LightStream Personal Loan
APR Range
6.40% – 8.30% Best
7.99% – 25.99%
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 Personal Loan
Pros
- Low APR for qualified borrowers
- Low APR for qualified borrowers
- Same-day funding
- Same-day funding
- No fees
- No fees
Cons
- Higher credit required
- Higher credit required
- No prequalification
- No prequalification
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