# NEAL COMMUNITIES FUNDING, LLC

> **Canonical URL:** https://saferate.com/lenders/neal-communities-funding


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


NEAL COMMUNITIES FUNDING, LLC is a independent mortgage company, headquartered in TALLAHASSEE, FL, with 453 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 43% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 29% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300NZLFJGIDOXDW97
- **Headquarters:** TALLAHASSEE, FL
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** FL
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 57/100
- Rating: ●●●○○ (3/5)

### Pull Through: Strong 😀
- Score: 71/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.467%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $135
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 453
- **Dollar Volume:** $164 million
- **Applications Received:** 561
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $363,079
- **Average Borrower Income:** $187,781
- **Average Property Value:** $637,958

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (63%)
- ⭐ **Purchase Gold Superstar** (63%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 65/100 | 405 | +0.480% | $142 | Strong 😀 |
| FHA | 56/100 | 24 | +0.182% | $106 | Sound ☺️ |
| VA | 62/100 | 19 | +0.297% | $-1 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 405 loans, Score: 66/100 (Strong)

**FHA:**
- Purchase: 24 loans, Score: 56/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 65/100 | 453 | $164M | +0.467% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| FL | 453 | 0.15% | 76/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| North Port | FL | 406 | 100/100 |
| Naples | FL | 31 | 70/100 |

## Where This Lender Ranks

NEAL COMMUNITIES FUNDING, LLC appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#4** in North Port Mortgage Companies
  - [View Full Rankings](https://saferate.com/north-port/best-mortgage-lenders/mortgage-companies)
- 🏆 **#4** in North Port for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/north-port/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#5** in Naples for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/naples/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#7** in Naples Mortgage Companies
  - [View Full Rankings](https://saferate.com/naples/best-mortgage-lenders/mortgage-companies)
- 🏆 **#8** in North Port for Jumbo Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/north-port/best-mortgage-lenders/mortgage-companies/jumbo-loans)
- 🏆 **#10** in North Port for Conventional Loans
  - [View Full Rankings](https://saferate.com/north-port/best-mortgage-lenders/conventional-loans)
- 🏆 **#11** in North Port
  - [View Full Rankings](https://saferate.com/north-port/best-mortgage-lenders)
- 🏆 **#14** in North Port for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/north-port/best-mortgage-lenders/mortgage-companies/va-loans)
- 🏆 **#16** in North Port for VA Loans
  - [View Full Rankings](https://saferate.com/north-port/best-mortgage-lenders/va-loans)
- 🏆 **#17** in Naples
  - [View Full Rankings](https://saferate.com/naples/best-mortgage-lenders)
- 🏆 **#18** in North Port for Jumbo Loans
  - [View Full Rankings](https://saferate.com/north-port/best-mortgage-lenders/jumbo-loans)
- 🏆 **#20** in Naples for Conventional Loans
  - [View Full Rankings](https://saferate.com/naples/best-mortgage-lenders/conventional-loans)

## Frequently Asked Questions

### What loan types does NEAL COMMUNITIES FUNDING, LLC offer?

NEAL COMMUNITIES FUNDING, LLC offers the following mortgage loan types: FHA, Conventional, VA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does NEAL COMMUNITIES FUNDING, LLC offer mortgages?

NEAL COMMUNITIES FUNDING, LLC offers mortgages in 1 states: FL.

### How competitive are NEAL COMMUNITIES FUNDING, LLC's mortgage rates?

NEAL COMMUNITIES FUNDING, LLC has a pricing score of 57/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.467% above market average.

### What type of lender is NEAL COMMUNITIES FUNDING, LLC?

NEAL COMMUNITIES FUNDING, LLC is a non-depository lender that specializes in mortgage origination, headquartered in TALLAHASSEE, FL.

### What is NEAL COMMUNITIES FUNDING, LLC's loan approval success rate?

NEAL COMMUNITIES FUNDING, LLC has a pull-through score of 71/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/neal-communities-funding

### How to Cite

> "NEAL COMMUNITIES FUNDING, LLC Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/neal-communities-funding

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