New American Funding, LLC. denied 26.6% of its 25,501 decisioned FHA applications in 2025 — rank #27 of the 100 largest FHA lenders, above the national rate of 21.7%. Source: complete CFPB HMDA 2025 federal record. Observed rates reflect applicant mix and channel as well as underwriting — not an endorsement or a warning.
Top cited reasons on denied files in 2025: credit history (51.0%), debt-to-income (16.0%), unverifiable information (11.1%) (shares of all cited reasons; a denied file may cite several). Reason codes record outcomes, not causes — context: the reason fingerprint.
Median rate on originated FHA purchase loans in 2025: 6.625%; median spread vs APOR: 0.91 (12,429 originations). Odds and price for all 60 largest doors: rates vs denial.
| State | FHA apps | Denial rate |
|---|---|---|
| GA | 2,116 | 23.5% |
| TX | 2,001 | 13.0% |
| FL | 1,911 | 27.8% |
| IL | 1,327 | 23.7% |
| CA | 1,230 | 26.0% |
| OH | 1,015 | 26.5% |
Largest state markets (cells n≥100). State pages: the door map.
Nobody. New American Funding, LLC. did not pay to appear here and cannot pay to change this page. FinanceRateCalc is not a lender, has no lending partners, and sells no leads — tables are processed independently from federal filings by a former banker with 23 years of credit experience. Compare: all 100 lenders ranked · all 52 states · five myths vs the record.