{
  "canonical_url": "https://lendb.ai/lender/newday-usa-1043",
  "summary": "NewDay USA (company NMLS 1043) is an independent mortgage lender. LenDb lists 36 of its loan officers, each with an individual NMLS ID, licensed states and sources.",
  "lender": {
    "nmls_id": 1043,
    "slug": "newday-usa-1043",
    "canonical_url": "https://lendb.ai/lender/newday-usa-1043",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/1043",
    "name": {
      "value": "NewDay USA",
      "source": "manual",
      "source_url": "https://www.newdayusa.com",
      "verified_at": "2026-10-08"
    },
    "dba_names": [],
    "type": "imb",
    "website": {
      "value": "https://www.newdayusa.com",
      "source": "manual",
      "source_url": "https://www.newdayusa.com",
      "verified_at": "2026-10-08"
    },
    "lo_directory_url": null,
    "hq_state": null,
    "loan_programs": {
      "value": [],
      "source": "manual",
      "source_url": "https://www.newdayusa.com",
      "verified_at": "2026-10-08"
    },
    "program_approvals": [
      {
        "program": "fha",
        "source": "HUD",
        "as_of": "2026-08",
        "source_url": "https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot"
      }
    ],
    "activity": {
      "source": "HMDA",
      "source_name": "HMDA, FFIEC/CFPB",
      "source_url": "https://ffiec.cfpb.gov/data-publication/snapshot-national-loan-level-dataset/2025",
      "as_of_year": 2025,
      "scope": "Home loans the lender funded and reported under HMDA: closed-end mortgages on 1 to 4 unit homes (no home equity lines or reverse mortgages)",
      "third_party_share": 0,
      "includes_brokered": false,
      "years": [
        {
          "year": 2025,
          "loans": 8395,
          "by_loan_type": {
            "conventional": 5,
            "fha": 49,
            "va": 8341,
            "usda": 0
          },
          "purchase": 478,
          "refinance": 7884,
          "other_purpose": 33,
          "jumbo": 28,
          "investor": 0,
          "volume_usd": 2361815000
        },
        {
          "year": 2024,
          "loans": 7187,
          "by_loan_type": {
            "conventional": 10,
            "fha": 176,
            "va": 7001,
            "usda": 0
          },
          "purchase": 447,
          "refinance": 6619,
          "other_purpose": 121,
          "jumbo": 24,
          "investor": 0,
          "volume_usd": 1921745000
        }
      ],
      "top_states": [
        {
          "state": "FL",
          "loans": 805
        },
        {
          "state": "NC",
          "loans": 548
        },
        {
          "state": "GA",
          "loans": 542
        },
        {
          "state": "OH",
          "loans": 452
        },
        {
          "state": "AL",
          "loans": 393
        }
      ],
      "note": "Counts describe the company, not any one loan officer. Only lenders above the HMDA reporting thresholds file, and LenDb has matched about 70% of HMDA loan volume to lenders it lists, so a lender without HMDA data here may still make these loans."
    },
    "loan_officer_count": 36,
    "disciplinary_check": "not_checked",
    "disciplinary_actions": [],
    "last_verified_at": "2026-10-08"
  },
  "loan_officers": [
    {
      "nmls_id": 1638027,
      "slug": "abigail-richards-1638027",
      "full_name": "Abigail Richards",
      "title": null,
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/abigail-richards-1638027"
    },
    {
      "nmls_id": 1995691,
      "slug": "andrew-berry-1995691",
      "full_name": "Andrew Berry",
      "title": null,
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/andrew-berry-1995691"
    },
    {
      "nmls_id": 1721743,
      "slug": "andrew-nelson-1721743",
      "full_name": "Andrew Nelson",
      "title": null,
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/andrew-nelson-1721743"
    },
    {
      "nmls_id": 2641660,
      "slug": "benjamin-giuliani-2641660",
      "full_name": "Benjamin Giuliani",
      "title": null,
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/benjamin-giuliani-2641660"
    },
    {
      "nmls_id": 905190,
      "slug": "benjamin-taylor-905190",
      "full_name": "Benjamin Taylor",
      "title": null,
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/benjamin-taylor-905190"
    },
    {
      "nmls_id": 2026454,
      "slug": "brandon-leibfred-2026454",
      "full_name": "Brandon Leibfred",
      "title": null,
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/brandon-leibfred-2026454"
    },
    {
      "nmls_id": 1912708,
      "slug": "brendan-cavanagh-1912708",
      "full_name": "Brendan Cavanagh",
      "title": null,
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/brendan-cavanagh-1912708"
    },
    {
      "nmls_id": 2323012,
      "slug": "brendan-hempstead-2323012",
      "full_name": "Brendan Hempstead",
      "title": null,
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/brendan-hempstead-2323012"
    },
    {
      "nmls_id": 1643354,
      "slug": "cody-dennis-1643354",
      "full_name": "Cody Dennis",
      "title": null,
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/cody-dennis-1643354"
    },
    {
      "nmls_id": 1965040,
      "slug": "colby-richardson-1965040",
      "full_name": "Colby Richardson",
      "title": null,
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/colby-richardson-1965040"
    },
    {
      "nmls_id": 2176305,
      "slug": "colten-drawbaugh-2176305",
      "full_name": "Colten Drawbaugh",
      "title": null,
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/colten-drawbaugh-2176305"
    },
    {
      "nmls_id": 1893687,
      "slug": "craig-burris-1893687",
      "full_name": "Craig Burris",
      "title": null,
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/craig-burris-1893687"
    },
    {
      "nmls_id": 1565498,
      "slug": "destinee-stice-1565498",
      "full_name": "Destinee Stice",
      "title": null,
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/destinee-stice-1565498"
    },
    {
      "nmls_id": 2525014,
      "slug": "dylan-cappadona-2525014",
      "full_name": "Dylan Cappadona",
      "title": null,
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/dylan-cappadona-2525014"
    },
    {
      "nmls_id": 2035824,
      "slug": "gabrielle-garza-2035824",
      "full_name": "Gabrielle Garza",
      "title": null,
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/gabrielle-garza-2035824"
    },
    {
      "nmls_id": 2818043,
      "slug": "jacob-painton-2818043",
      "full_name": "Jacob Painton",
      "title": null,
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/jacob-painton-2818043"
    },
    {
      "nmls_id": 2632239,
      "slug": "jeffrey-belony-2632239",
      "full_name": "Jeffrey Belony",
      "title": null,
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/jeffrey-belony-2632239"
    },
    {
      "nmls_id": 2212043,
      "slug": "joseph-delgado-2212043",
      "full_name": "Joseph Delgado",
      "title": null,
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/joseph-delgado-2212043"
    },
    {
      "nmls_id": 1929697,
      "slug": "joshua-denson-1929697",
      "full_name": "Joshua Denson",
      "title": null,
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/joshua-denson-1929697"
    },
    {
      "nmls_id": 1830304,
      "slug": "julian-zivkovic-1830304",
      "full_name": "Julian Zivkovic",
      "title": null,
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/julian-zivkovic-1830304"
    },
    {
      "nmls_id": 2003891,
      "slug": "kyle-caskie-2003891",
      "full_name": "Kyle Caskie",
      "title": null,
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/kyle-caskie-2003891"
    },
    {
      "nmls_id": 2810422,
      "slug": "mackenzie-benkers-2810422",
      "full_name": "Mackenzie Benkers",
      "title": null,
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/mackenzie-benkers-2810422"
    },
    {
      "nmls_id": 2665527,
      "slug": "mark-alpaugh-2665527",
      "full_name": "Mark Alpaugh",
      "title": null,
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/mark-alpaugh-2665527"
    },
    {
      "nmls_id": 2810466,
      "slug": "matthew-pysh-2810466",
      "full_name": "Matthew Pysh",
      "title": null,
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/matthew-pysh-2810466"
    },
    {
      "nmls_id": 2810465,
      "slug": "matthew-sayles-2810465",
      "full_name": "Matthew Sayles",
      "title": null,
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/matthew-sayles-2810465"
    },
    {
      "nmls_id": 1067433,
      "slug": "matthew-zagwodzki-1067433",
      "full_name": "Matthew Zagwodzki",
      "title": null,
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/matthew-zagwodzki-1067433"
    },
    {
      "nmls_id": 2715658,
      "slug": "nicholas-sallemi-2715658",
      "full_name": "Nicholas Sallemi",
      "title": null,
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/nicholas-sallemi-2715658"
    },
    {
      "nmls_id": 1995675,
      "slug": "nigel-strickland-1995675",
      "full_name": "Nigel Strickland",
      "title": null,
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/nigel-strickland-1995675"
    },
    {
      "nmls_id": 1798527,
      "slug": "phillip-sprenkle-1798527",
      "full_name": "Phillip Sprenkle",
      "title": null,
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/phillip-sprenkle-1798527"
    },
    {
      "nmls_id": 2176311,
      "slug": "ryan-kattell-2176311",
      "full_name": "Ryan Kattell",
      "title": null,
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/ryan-kattell-2176311"
    },
    {
      "nmls_id": 2632240,
      "slug": "rylee-lewis-2632240",
      "full_name": "Rylee Lewis",
      "title": null,
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/rylee-lewis-2632240"
    },
    {
      "nmls_id": 1823848,
      "slug": "sarah-sakhi-1823848",
      "full_name": "Sarah Sakhi",
      "title": null,
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/sarah-sakhi-1823848"
    },
    {
      "nmls_id": 21847,
      "slug": "sean-reynolds-21847",
      "full_name": "Sean Reynolds",
      "title": null,
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/sean-reynolds-21847"
    },
    {
      "nmls_id": 1135896,
      "slug": "steven-murphy-1135896",
      "full_name": "Steven Murphy",
      "title": null,
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/steven-murphy-1135896"
    },
    {
      "nmls_id": 2810418,
      "slug": "thomas-myint-2810418",
      "full_name": "Thomas Myint",
      "title": null,
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/thomas-myint-2810418"
    },
    {
      "nmls_id": 1541622,
      "slug": "tyler-brooke-1541622",
      "full_name": "Tyler Brooke",
      "title": null,
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/tyler-brooke-1541622"
    }
  ]
}