Кредитная компания New American Funding сократила 160 сотрудников из-за роста ставок по ипотеке

New American Funding (NAF) has laid off 160 employees in its consumer direct division, the company confirmed to HousingWire on Thursday, as elevated mortgage rates continue to pressure lenders. A spokesperson for the Santa Ana, California-based lender said the workforce reduction was made “in response to current mortgage market conditions.” “The mortgage market continues to face headwinds, and we are navigating this environment thoughtfully and responsibly. As part of that effort, we have aligned our operations to reflect current market realities,” the spokesperson wrote in a statement. “These decisions are never easy, and we do not make them lightly. We are deeply grateful for the contributions of every team member affected.” Consumer direct operations typically perform better when interest rates are falling and refinance demand is strong. With the 30-year fixed mortgage rate stuck in the 6% to 7% range for most of the past few years, lenders with large refi footprints have been forced to cut costs and rework staffing models. Social media posts from former NAF employees show cuts occurred this week and in August, affecting workers across the company, including operational roles. A former employee said she was laid off with “zero notice.” She added: “They also are not paying me out on any of my loans that I had in my pipeline for closings this month. All my performance reviews were ‘exceeding expectations’,” the former employee said, speaking on condition of anonymity due to concerns about job prospects. The NAF spokesperson said the lender “doesn’t comment on individual employment or compensation matters, but the company is committed to handling compensation in accordance with applicable law and its established policies.” NAF was founded in 2003 by husband-and-wife team Rick and Patty Arvielo, starting as a 40-employee call center in Orange County. It opened its first branch in 2012 and has since grown into a national retail lender with about 330 active branches and 2,646 loan officers as of Thursday, according to the Nationwide Multistate Licensing System. The company has originated $12.5 billion in mortgages year to date, according to data from InGenius. It produced $21.8 billion in volume last year, up from $19.6 billion the prior year, indicating it has maintained sizable production despite market headwinds. NAF has invested in technology as part of its efficiency push. Recently, it partnered with Kastle to expand enterprise AI use through voice agents that handle end-to-end customer interactions and 24/7 self-service. The deployment is intended to reduce hold times, scale contact volumes and support compliance through built-in procedures, according to the companies. On the production side, NAF recorded a net loss of 62 loan officers over the past month, according to RETR, but has continued to add select teams. In August, it brought on Dallas-area originators Shane Masterman and Christian Johnson, who are launching Cantera Home Lending on the NAF platform. The pair has originated more than $2 billion in career volume and closed 193 loans in 2025, according to the inaugural HousingWire Mortgage Rankings.