Lenders › New American Funding, LLC. › Texas
New American Funding, LLC. in Texas
HMDA record for properties in Texas, calendar year 2024. National record · Texas overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
New American Funding, LLC.'s 2024 HMDA record for Texas covers 8,244 applications, 3,373 of them originated, worth $939m.
Its denial rate in the state was 21.5%, below the Texas rate of 26.0% across all lenders and compared with the lender's national rate of 20.9%.
The median rate spread on its Texas originations was 0.6 percentage points (state median 0.2).
Applications in the state were up 87% on 2023.
Compared with the state and the lender's national record
| Measure | In Texas | Texas, all lenders | New American Funding, LLC., all states | United States |
|---|---|---|---|---|
| Denial rate | 21.5% | 26.0% | 20.9% | 24.3% |
| Median rate spread, pp | 0.6 | 0.2 | 0.7 | 0.3 |
| Originations with spread of 1.5 pp or more | 14.7% | 11.8% | 20.0% | 15.6% |
| Average originated loan | $278k | $350k | $282k | $329k |
| Home purchase share | 80.6% | 72.8% | 70.9% | 57.0% |
| FHA-insured share | 26.2% | 19.8% | 30.6% | 13.4% |
| VA-guaranteed share | 10.0% | 10.4% | 8.3% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateTexas, all lenders
Loan purpose and loan type in Texas
By purpose
Home purchase 81% (2,717)Home improvement 1% (40)Refinancing 5% (178)Cash-out refinancing 10% (345)Other purpose 3% (93)
By type
Conventional 64% (2,144)FHA 26% (884)VA 10% (337)USDA 0% (8)
Denial reasons as coded
Share of 938 denials in Texas by first denial reason coded (outlined bar: all lenders in the state).
Counties in Texas
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Harris County | 1,411 | 671 | $169m | 18.4% |
| Tarrant County | 657 | 309 | $87m | 15.3% |
| Bexar County | 564 | 242 | $65m | 21.8% |
| El Paso County | 470 | 193 | $42m | 23.4% |
| Dallas County | 481 | 155 | $49m | 25.2% |
| Fort Bend County | 351 | 154 | $49m | 19.3% |
| Montgomery County | 298 | 136 | $39m | 17.9% |
| Collin County | 321 | 114 | $40m | 20.3% |
| Denton County | 275 | 103 | $39m | 27.0% |
| Travis County | 232 | 93 | $42m | 19.0% |
| Williamson County | 169 | 72 | $24m | 13.3% |
| Brazoria County | 129 | 52 | $11m | 16.7% |
| Nueces County | 108 | 49 | $13m | 21.0% |
| Galveston County | 104 | 49 | $13m | 18.3% |
| Johnson County | 106 | 47 | $13m | 20.3% |
| Guadalupe County | 81 | 43 | $14m | 18.9% |
| Parker County | 82 | 41 | $13m | 6.4% |
| Bell County | 118 | 39 | $9.9m | 21.6% |
| Kaufman County | 89 | 29 | $7.9m | 30.2% |
| Ellis County | 81 | 28 | $7.6m | 12.5% |
| Comal County | 63 | 26 | $10m | 10.3% |
| Rockwall County | 57 | 26 | $11m | 21.2% |
| Grayson County | 42 | 26 | $7.8m | 3.7% |
| Hood County | 55 | 25 | $7.8m | 7.4% |
| Cameron County | 56 | 23 | $5.0m | 33.3% |
| Jefferson County | 40 | 23 | $3.7m | — |
| Hays County | 67 | 22 | $7.3m | 24.1% |
| Lubbock County | 52 | 22 | $5.7m | 24.1% |
| Wise County | 39 | 20 | $7.3m | 16.0% |
| Liberty County | 42 | 17 | $3.0m | — |
| McLennan County | 56 | 16 | $4.2m | — |
| Hidalgo County | 94 | 14 | $3.4m | 53.3% |
| Bastrop County | 38 | 14 | $3.9m | — |
| Waller County | 31 | 14 | $5.3m | — |
| Midland County | 42 | 13 | $4.2m | — |
| San Patricio County | 33 | 13 | $3.3m | — |
| Brazos County | 31 | 13 | $3.9m | — |
| Hunt County | 34 | 11 | $2.5m | — |
| Ector County | 31 | 11 | $2.1m | — |
| Bowie County | 28 | 10 | $1.5m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did New American Funding, LLC. originate in Texas in 2024?
3,373 loans totalling $939m, from 8,244 applications reported for properties in Texas.
What is New American Funding, LLC.'s denial rate in Texas?
21.5% of decided applications in Texas were denied, against 26.0% for all lenders in the state and 20.9% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which Texas counties does New American Funding, LLC. lend in most?
By originations: Harris County (671), Tarrant County (309), Bexar County (242), El Paso County (193), Dallas County (155).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Texas. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.