Name of the lender

New Story Lending LLCMortgage rates, total loan costs and denial rate, 2025

HMDA year2025

Years filed2025

Head office: Seneca, SC
Reporting agency: Department of Housing and Urban Development (HUD)
Legal Entity Identifier (LEI)

Figures by state (CSV)

New Story Lending LLC reported 895 mortgage applications in the HMDA data of 2025.

It originated 705 loans in 2025, for $201 million in total.

The median interest rate of its loans in 2025 was 6.625%, and the national median was 6.375%.

The median total loan costs of its loans in 2025 were $7,509, and the national median was $6,413.

It denied 0.7% of the applications that it decided in 2025, and the national denial rate was 22.6%.

Filed figures of New Story Lending LLC, 2025
Figure	This lender	United States
Applications	895Under 0.1% of the US total	11,766,671
Loans originated	705$201 million	6,827,891
Median interest rate	6.625%	6.375%
Median total loan costs	$7,509	$6,413
Denial rate	0.7%	22.6%

HMDA data are generally not used alone 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.
The words of the Consumer Financial Protection Bureau (CFPB). Source: Consumer Financial Protection Bureau, Summary of 2023 Data on Mortgage Lending (11 July 2024), copied on 2 Oct 2026. The figures on this page are from the HMDA data of 2025, the snapshot dataset.

Since the last update

No change on record

No tracked figure of this lender has changed since this site started its record. The record compares each update of the HMDA data with the update before it. The record of updates.

PricingMedians of 2025 loans

Interest rate and total loan costs of New Story Lending LLC by loan type, 2025Medians. Each value has the national median of the same loan type under it.
Loan type	Loans in the medians	Interest rate	Total loan costs	Rate spread, points
All loans	670	6.625%US 6.375%	$7,509US $6,413	0.362US 0.161
Conventional	371	6.750%US 6.500%	$5,442US $5,393	0.328US 0.175
FHA-insured	213	6.500%US 6.250%	$9,827US $11,084	0.663US 0.432
VA-guaranteed	71	6.250%US 6.000%	$7,949US $6,088	−0.115US −0.422

Interest rate and total loan costs of New Story Lending LLC by loan purpose, 2025Medians, with the national median under each value.
Loan purpose	Loans in the medians	Interest rate	Total loan costs	Rate spread, points
Home purchase	641	6.625%US 6.500%	$7,560US $6,632	0.370US 0.169

Parts of the total loan costs of New Story Lending LLC by loan type, 2025Medians, with the national median under each value.
Loan type	Origination charges	Discount points, of the loans with points	Lender credits, of the loans with credits
All loans	$2,581US $2,062	$2,868US $2,823	$5,000US $567
Conventional	$2,581US $1,981	$2,858US $2,588	$5,000US $604
FHA-insured	$2,737US $2,831	$2,888US $3,270	$5,000US $567
VA-guaranteed	$2,082US $1,729	$2,809US $3,300	$911US $472

The median rate spread of these loans was 0.362 percentage points above the average prime offer rate (APOR). On a loan of $300,000, that is about $1,086 more a year, or $91 more a month. The national median spread was 0.161 points.

The dollar amount is a simple interest approximation: the rate spread times the full loan amount for one year. The balance of a loan decreases with each payment, and an APR includes some fees, so the amount for a real loan is different. What a rate spread is.

Median interest rate by year: New Story Lending LLC and the United States

New Story Lending LLCUnited States

Action takenHMDA codes and labels

Records of New Story Lending LLC by the action taken, 2025
Action taken	Records	Share of records	US share
1Loan originated	705	78.8%	50.4%
2Application approved but not accepted	4	0.4%	3.1%
3Application denied	5	0.6%	15.6%
4Application withdrawn by applicant	174	19.4%	12.6%
5File closed for incompleteness	7	0.8%	5.1%
6Purchased loan	0	0.0%	11.7%
7Preapproval request denied	0	0.0%	0.4%
8Preapproval request approved but not accepted	0	0.0%	1.1%

The denial rate is code 3 divided by codes 1, 2 and 3: the applications that the lender decided. Codes 4 and 5 are applications with no decision. Code 6 is a loan that the lender bought.

Denial reasonsFirst reason coded

The lender has fewer than 25 denials in 2025, so this page shows no reasons.

Loan types and purposesLoans of 2025

Applications of New Story Lending LLC by loan type
Loan type	Applications	Loans originated	Denial rate
Conventional	524	406	0.5%US 23.4%
FHA-insured	261	213	0.0%US 21.8%
VA-guaranteed	92	71	4.1%US 16.2%
USDA Rural Housing Service or Farm Service Agency guaranteed	18	15	n/aUS 12.9%

Applications of New Story Lending LLC by loan purpose
Loan purpose	Applications	Loans originated	Share of loans
Home purchase	838	676	95.9%
Home improvement	2	2	0.3%
Refinancing	25	11	1.6%
Cash-out refinancing	30	16	2.3%
Other purpose	0	0	0.0%

The denial rate of a loan type is the denied applications divided by the decided applications of that type. It is "n/a" under 25 decided applications.

States where it lends2 states with 25 applications or more

New Story Lending LLC by state, 2025In order of the names. A state with 100 applications or more links to the lender's page for the state.
State	Applications	Loans originated	Median interest rate	Median total loan costs	Denial rate
North Carolina	64	49	6.490%	$7,166	2.0%
South Carolina	760	606	6.625%	$7,567	0.7%

Counties of New Story Lending LLC with 50 applications or more, 2025In order of the names. The list has the 5 counties with the most loans of the lender.
County	Applications	Loans originated	Amount	Denial rate
Anderson County, SC	127	103	$25.5 million	0.0%
Greenville County, SC	154	129	$35.7 million	0.0%
Oconee County, SC	181	146	$42.1 million	0.7%
Pickens County, SC	104	80	$19.5 million	0.0%
Spartanburg County, SC	113	88	$24.0 million	1.1%

Figures by yearHMDA 2022 to 2025

New Story Lending LLC by HMDA year"n/a" shows a year with fewer than 25 applications, or a year that this site does not process.
Year	Applications	Loans originated	Median interest rate	Median total loan costs	Denial rate	Records filed
2025	895	705	6.625%	$7,509	0.7%	895
2024	n/a	n/a	n/a	n/a	n/a	n/a
2023	n/a	n/a	n/a	n/a	n/a	n/a
2022	n/a	n/a	n/a	n/a	n/a	n/a

Records filed is the count on the lender's HMDA transmittal sheet. It includes purchased loans and requests for preapproval.

Denial rate by year: New Story Lending LLC and the United States

New Story Lending LLCUnited States

VA lender statisticsLoans that VA guaranteed, by month

VA-guaranteed loans of NEW STORY LENDING LLC, Sep 2025 to Aug 2026National figures from the Department of Veterans Affairs. VA counts a loan in the month of the guarantee.
Month	All	Purchase	Cash-out refinance	IRRRL
August 2026	2	1	1	0
July 2026	5	5	0	0
June 2026	9	9	0	0
May 2026	10	10	0	0
April 2026	2	1	1	0
March 2026	1	1	0	0
February 2026	3	2	0	1
January 2026	12	9	2	1
December 2025	9	7	1	1
November 2025	4	3	1	0
October 2025	10	9	1	0
September 2025	6	5	1	0

IRRRL is the VA Interest Rate Reduction Refinance Loan. The VA name of the lender is "NEW STORY LENDING LLC". Every month.

Peer lenders12 lenders

These lenders originated a count of loans close to the count of this lender, in the same states. The site compares the applications of each lender by state. The list is not a ranking.

1st Signature Lending, LLCIndianapolis, IN
Carolina One Mortgage, LLCFort Washington, PA
CountybankGreenwood, SC
CPM Federal Credit UnionGreer, SC
First Community BankLexington, SC
Palmetto Citizens Federal CredColumbia, SC
Resource Financial Services, Inc.Columbia, SC
SAFE Federal Credit UnionSumter, SC
Sente Mortgage, Inc.Austin, TX
Sharonview Federal CUIndian Land, SC
South Carolina Federal CreditNorth Charleston, SC
SRP Federal Credit UnionNorth Augusta, SC

Official channelsLinks checked 2 Oct 2026

HMDA Data Browser (FFIEC and CFPB)The HMDA records of this lender, with a CSV download.
Submit a complaint (Consumer Financial Protection Bureau)The CFPB form for a complaint about a mortgage or a lender.

Cite this page

Page: Lender Register, "New Story Lending LLC mortgage rates and denial rate, 2025", https://lenderregister.com/lender/894500cfqpxslhk0ok52-new-story-lending-llc/
Lender: New Story Lending LLC, LEI 894500CFQPXSLHK0OK52
Source: Federal Financial Institutions Examination Council and Consumer Financial Protection Bureau, Home Mortgage Disclosure Act data, 2025, snapshot dataset
Data date: HMDA year 2025. Page made 2 Oct 2026.

Provenance

The figures come from the public HMDA loan/application register of 2022 to 2025. The count of records filed comes from the transmittal sheets of 2025 to 2025. The FFIEC and the CFPB publish them at ffiec.cfpb.gov. The name, the head office and the agency are from the newest transmittal sheet of the LEI. The VA figures are from the VA lender statistics.

This site withholds a figure with fewer than 25 applications and a median with fewer than 20 loans. Method of the figures. Terms. Report an error.

Questions

How many loans did New Story Lending LLC buy from other lenders in 2025?: It reported no purchased loans. HMDA counts a purchased loan apart from the applications, so the denial rate does not include it.
In which states did New Story Lending LLC originate the most loans in 2025?: The three states with the most loans were South Carolina (606) and North Carolina (49). It had 25 applications or more in 2 states.
Which loan types did New Story Lending LLC originate in 2025?: 406 conventional, 213 FHA, 71 VA and 15 USDA.
How many records did New Story Lending LLC file for 2025?: Its transmittal sheet counts 895 records. The count includes purchased loans and requests for preapproval, so it is not the count of applications.