NEW DAY FINANCIAL, LLC

8,395 mortgages originated in 2025 across 34 states, and what they cost borrowers.

Loans originated

8,395

Median rate

6.990%

Median lender fees

$10,980

Median loan amount

$255,000

Median spread over APOR

0.768

Paid discount points

94.2%

Received lender credits

28.4%

Purchases / refinances

5.7% / 93.9%

Conventional / FHA / VA

0.1% / 0.6% / 99.4%

Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 100% of loans here — see methodology.

Where NEW DAY FINANCIAL, LLC lent

States with at least 50 loans in 2025, ranked by volume.