U.S. Bank Mortgage vs. New American Funding Mortgage
Side-by-side comparison · Updated 2026 · Independently reviewed
U.S. Bank Mortgage
U.S. Bank
4.2
Regional bank with competitive conventional and FHA rates, plus specialized programs for doctors.
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
U.S. Bank Mortgage wins on more measurable categories — particularly on rate and cost. New American Funding Mortgage may still be the right fit depending on your loan amount and term needs.
Feature
U.S. Bank Mortgage
New American Funding
APR Range
6.30% – 8.00% Best
6.40% – 8.30%
Loan Amount
$100,000 – $5,000,000 Best
$75,000 – $3,500,000
Term Length
120–360 months
120–360 months
Origination Fee
Varies by loan type
Varies; competitive on FHA and non-QM
Min Credit Score
620+
580+ Best
Funding Speed
30–45 days
21–30 days
U.S. Bank Mortgage
New American Funding Mortgage
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