Mortgage lender with direct government and GSE relationships, scaling operations and lead quality
New American Funding is a mortgage banker licensed as a direct lender and servicer across FHA, Fannie Mae, Freddie Mac, and Ginnie Mae channels. The tech stack reveals a hybrid architecture: legacy mortgage-origination tools (Encompass, NMLS compliance layers) paired with modern cloud infrastructure (Kubernetes, Azure Functions, microservices) and frontend frameworks (React, Next.js, Vue), suggesting active modernization of core loan-processing pipelines. Hiring is sales-heavy (90 roles) relative to engineering (12), with decelerating velocity — typical of mortgage platforms navigating industry cyclicality while attempting to automate high-volume lead intake and loan readiness workflows.
New American Funding is a family-owned mortgage banker and servicer headquartered in Tustin, California, operating across the full lifecycle of residential mortgages: origination (purchase and refinance), closing, and post-closing loan servicing. The company holds direct-endorsement status as an FHA lender and maintains seller/servicer relationships with Fannie Mae, Freddie Mac, and Ginnie Mae, positioning it as a correspondent lender rather than a pure retail broker. The organization spans distributed retail branches, a builder-division channel, and a call-center operation, serving clients across multiple purchase and refi programs. Current initiatives focus on lead-quality improvement, loan-readiness automation, post-closing draw management, and compliance-driven product structuring — reflecting the operational complexity of managing high-volume inbound leads against regulatory and investor-guideline constraints.
Core origination via Encompass (legacy mortgage platform) and NMLS compliance tools; modern cloud: AWS, Azure (App Service, Functions, Blob Storage, AKS), Kubernetes, Helm; backend: PHP, Laravel, CodeIgniter, .NET Core, C#, MySQL, MariaDB, Aurora; frontend: React, Vue, Next.js, Nuxt.
Tustin, California. Privately held, 5,001–10,000 employees. Licensed as a direct lender (NMLS #6606) for FHA, Fannie Mae, Freddie Mac, and Ginnie Mae mortgages.
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