Rocket Mortgage vs. New American Funding Mortgage
Side-by-side comparison · Updated 2026 · Independently reviewed
Rocket Mortgage
Rocket Mortgage
4.5
Fully online mortgage with fast pre-approval. Best for digital-first buyers.
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. Rocket Mortgage may still be the right fit depending on your loan amount and term needs.
Feature
Rocket Mortgage
New American Funding
APR Range
6.50% – 7.80%
6.40% – 8.30% Best
Loan Amount
$85,000 – $2,500,000
$75,000 – $3,500,000 Best
Term Length
180–360 months
120–360 months
Origination Fee
—
Varies; competitive on FHA and non-QM
Min Credit Score
620+
580+ Best
Funding Speed
21-30 days
21–30 days
Rocket Mortgage
New American Funding Mortgage
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