NFM, Inc Mortgage Lending & HMDA Data, 2006

In 2006, NFM, Inc of Linthicum, MD reported 490 mortgage applications totaling $93.2 million, down 43% from 2005. The average application was for $190,165, and applicants reported an average income of $77,024. 88% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Baltimore-Towson, MD (74), Washington-Arlington-Alexandria, DC-VA-MD-WV (73) and Atlanta-Sandy Springs-Marietta, GA (17) (applications in parentheses).

Mortgage Company & Address NFM, Inc
1190 Winterson Road, Suite 300
Linthicum, MD 21090
Tel #: available with data download
Federal Regulator * available with data download
Years 2025  2024  2023  2022  2021  2020  2019  2018  2017  2016  2015  2014  2013  2012  2011  2010  2009  2008  2007  2006  2005  2004  
Total Number of Mortgage Applications 490
Total Mortgage Loan Application Amount $93,181,000
Average Mortgage Loan Application Amount $190,165
Highest Mortgage Loan Application Amount $1,860,000
Average Applicant Income $77,024
Highest Applicant Income $870,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records NFM, Inc filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.

Mortgage Loan Application Totals for NFM, Inc by County in 2006

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Prince George's, Maryland 39 $ 8,181,000 $ 209,769 $ 64,000
Baltimore, Maryland 20 $ 3,749,000 $ 187,450 $ 73,000
Baltimore City, Maryland 20 $ 2,475,000 $ 123,750 $ 60,000
Anne Arundel, Maryland 14 $ 2,867,000 $ 204,785 $ 79,000
Harford, Maryland 14 $ 2,285,000 $ 163,214 $ 72,000
District of Columbia, District Of Columbia 12 $ 2,534,000 $ 211,166 $ 66,000
Hillsborough, Florida 11 $ 2,350,000 $ 213,636 $ 213,000
New Castle, Delaware 10 $ 1,253,000 $ 125,300 $ 64,000
Brevard, Florida 9 $ 1,556,000 $ 172,888 $ 60,000
Fairfax, Virginia 8 $ 2,560,000 $ 320,000 $ 110,000
Montgomery, Maryland 7 $ 1,556,000 $ 222,285 $ 73,000
Gwinnett, Georgia 6 $ 1,227,000 $ 204,500 $ 90,000
Davidson, Tennessee 6 $ 796,000 $ 132,666 $ 34,000
Sussex, Delaware 5 $ 1,038,000 $ 207,600 $ 97,000
Broward, Florida 5 $ 729,000 $ 145,800 $ 148,000
Lexington, South Carolina 5 $ 565,000 $ 113,000 $ 51,000
Spotsylvania, Virginia 5 $ 1,018,000 $ 203,600 $ 64,000
Los Angeles, California 4 $ 1,036,000 $ 259,000 $ 69,000
Duval, Florida 4 $ 621,000 $ 155,250 $ 57,000
Lee, Florida 4 $ 845,000 $ 211,250 $ 88,000
Miami-Dade, Florida 4 $ 672,000 $ 168,000 $ 66,000
Palm Beach, Florida 4 $ 1,213,000 $ 303,250 $ 94,000
Frederick, Maryland 4 $ 1,132,000 $ 283,000 $ 89,000
Atlantic, New Jersey 4 $ 817,000 $ 204,250 $ 62,000
Burlington, New Jersey 4 $ 597,000 $ 149,250 $ 63,000
Camden, New Jersey 4 $ 834,000 $ 208,500 $ 74,000
Orange, New York 4 $ 706,000 $ 176,500 $ 111,000
Lancaster, Pennsylvania 4 $ 769,000 $ 192,250 $ 74,000
Montgomery, Pennsylvania 4 $ 2,338,000 $ 584,500 $ 279,000
Philadelphia, Pennsylvania 4 $ 598,000 $ 149,500 $ 50,000
Pike, Pennsylvania 4 $ 871,000 $ 217,750 $ 72,000
Chesapeake, Virginia 4 $ 861,000 $ 215,250 $ 64,000
New Haven, Connecticut 3 $ 693,000 $ 231,000 $ 54,000
Orange, Florida 3 $ 867,000 $ 289,000 $ 84,000
Volusia, Florida 3 $ 426,000 $ 142,000 $ 62,000
Cook, Illinois 3 $ 838,000 $ 279,333 $ 119,000
Calvert, Maryland 3 $ 550,000 $ 183,333 $ 66,000
Carroll, Maryland 3 $ 730,000 $ 243,333 $ 53,000
Howard, Maryland 3 $ 907,000 $ 302,333 $ 132,000
Essex, Massachusetts 3 $ 638,000 $ 212,666 $ 60,000
Essex, New Jersey 3 $ 591,000 $ 197,000 $ 71,000
Middlesex, New Jersey 3 $ 816,000 $ 272,000 $ 93,000
Monroe, New York 3 $ 347,000 $ 115,666 $ 75,000
Queens, New York 3 $ 821,000 $ 273,666 $ 116,000
Suffolk, New York 3 $ 805,000 $ 268,333 $ 127,000
Allegheny, Pennsylvania 3 $ 380,000 $ 126,666 $ 101,000
Bucks, Pennsylvania 3 $ 709,000 $ 236,333 $ 71,000
Chester, Pennsylvania 3 $ 863,000 $ 287,666 $ 90,000
Dauphin, Pennsylvania 3 $ 279,000 $ 93,000 $ 61,000
Newport News, Virginia 3 $ 314,000 $ 104,666 $ 69,000
Jefferson, Alabama 2 $ 294,000 $ 147,000 $ 68,000
Anchorage, Alaska 2 $ 492,000 $ 246,000 $ 94,000
Fairfield, Connecticut 2 $ 380,000 $ 190,000 $ 66,000
Hartford, Connecticut 2 $ 268,000 $ 134,000 $ 51,000
Middlesex, Connecticut 2 $ 511,000 $ 255,500 $ 89,000
Hernando, Florida 2 $ 166,000 $ 83,000 $ 29,000
Okaloosa, Florida 2 $ 355,000 $ 177,500 $ 55,000
Osceola, Florida 2 $ 324,000 $ 162,000 $ 62,000
Pasco, Florida 2 $ 320,000 $ 160,000 $ 32,000
Pinellas, Florida 2 $ 273,000 $ 136,500 $ 47,000
Sarasota, Florida 2 $ 274,000 $ 137,000 $ 114,000
Seminole, Florida 2 $ 265,000 $ 132,500 $ 58,000
DeKalb, Georgia 2 $ 130,000 $ 65,000 $ 65,000
Rockdale, Georgia 2 $ 263,000 $ 131,500 $ 92,000
Ada, Idaho 2 $ 734,000 $ 367,000 $ 113,000
Fremont, Iowa 2 $ 99,000 $ 49,500 $ 47,000
Allegany, Maryland 2 $ 90,000 $ 45,000 $ 51,000
Charles, Maryland 2 $ 495,000 $ 247,500 $ 68,000
Worcester, Maryland 2 $ 423,000 $ 211,500 $ 100,000
Bristol, Massachusetts 2 $ 577,000 $ 288,500 $ 69,000
Suffolk, Massachusetts 2 $ 396,000 $ 198,000 $ 58,000
Hillsborough, New Hampshire 2 $ 205,000 $ 102,500 $ 51,000
Bergen, New Jersey 2 $ 485,000 $ 242,500 $ 118,000
Cumberland, New Jersey 2 $ 332,000 $ 166,000 $ 98,000
Gloucester, New Jersey 2 $ 497,000 $ 248,500 $ 87,000
Monmouth, New Jersey 2 $ 578,000 $ 289,000 $ 85,000
Salem, New Jersey 2 $ 188,000 $ 94,000 $ 83,000
Sussex, New Jersey 2 $ 604,000 $ 302,000 $ 97,000
Union, New Jersey 2 $ 370,000 $ 185,000 $ 57,000
Kings, New York 2 $ 514,000 $ 257,000 $ 88,000
Richmond, New York 2 $ 527,000 $ 263,500 $ 106,000
Delaware, Pennsylvania 2 $ 232,000 $ 116,000 $ 105,000
Northampton, Pennsylvania 2 $ 223,000 $ 111,500 $ 57,000
York, Pennsylvania 2 $ 316,000 $ 158,000 $ 63,000
Charleston, South Carolina 2 $ 248,000 $ 124,000 $ 61,000
Henrico, Virginia 2 $ 294,000 $ 147,000 $ 43,000
Prince William, Virginia 2 $ 613,000 $ 306,500 $ 87,000
Suffolk, Virginia 2 $ 273,000 $ 136,500 $ 60,000
Ketchikan Gateway, Alaska 1 $ 170,000 $ 170,000 $ 210,000
Contra Costa, California 1 $ 415,000 $ 415,000 $ 87,000
Kern, California 1 $ 88,000 $ 88,000 $ 54,000
Monterey, California 1 $ 558,000 $ 558,000 $ 132,000
San Diego, California 1 $ 273,000 $ 273,000 $ 57,000
San Luis Obispo, California 1 $ 125,000 $ 125,000 $ 102,000
Santa Cruz, California 1 $ 295,000 $ 295,000 $ 75,000
Tulare, California 1 $ 175,000 $ 175,000 $ 54,000
Boulder, Colorado 1 $ 184,000 $ 184,000 $ 60,000
New London, Connecticut 1 $ 211,000 $ 211,000 $ 93,000
Charlotte, Florida 1 $ 137,000 $ 137,000 $ 42,000
Collier, Florida 1 $ 110,000 $ 110,000 $ 25,000
Columbia, Florida 1 $ 241,000 $ 241,000 $ 98,000
Indian River, Florida 1 $ 84,000 $ 84,000 $ 43,000
Leon, Florida 1 $ 86,000 $ 86,000 $ 46,000
Manatee, Florida 1 $ 155,000 $ 155,000 $ 46,000
St. Lucie, Florida 1 $ 139,000 $ 139,000 $ 94,000
Barrow, Georgia 1 $ 111,000 $ 111,000 $ 39,000
Bartow, Georgia 1 $ 210,000 $ 210,000 $ 64,000
Cobb, Georgia 1 $ 203,000 $ 203,000 $ 126,000
Coffee, Georgia 1 $ 153,000 $ 153,000 $ 51,000
Douglas, Georgia 1 $ 149,000 $ 149,000 $ 71,000
Floyd, Georgia 1 $ 77,000 $ 77,000 $ 38,000
Forsyth, Georgia 1 $ 158,000 $ 158,000 $ 46,000
Hall, Georgia 1 $ 417,000 $ 417,000 $ 180,000
Henry, Georgia 1 $ 128,000 $ 128,000 $ 42,000
Jasper, Georgia 1 $ 140,000 $ 140,000 $ 64,000
Monroe, Georgia 1 $ 230,000 $ 230,000 $ 98,000
Oconee, Georgia 1 $ 211,000 $ 211,000 $ 65,000
Richmond, Georgia 1 $ 91,000 $ 91,000 $ 37,000
Canyon, Idaho 1 $ 187,000 $ 187,000 $ 57,000
Jerome, Idaho 1 $ 170,000 $ 170,000 $ 76,000
DuPage, Illinois 1 $ 132,000 $ 132,000 $ 62,000
Kane, Illinois 1 $ 101,000 $ 101,000 $ 42,000
Kendall, Illinois 1 $ 349,000 $ 349,000 $ 86,000
Tazewell, Illinois 1 $ 91,000 $ 91,000 $ 45,000
Will, Illinois 1 $ 96,000 $ 96,000 $ 121,000
Howard, Indiana 1 $ 104,000 $ 104,000 $ 39,000
Jasper, Indiana 1 $ 152,000 $ 152,000 $ 42,000
Lake, Indiana 1 $ 121,000 $ 121,000 $ 138,000
LaPorte, Indiana 1 $ 151,000 $ 151,000 $ 74,000
Marion, Indiana 1 $ 129,000 $ 129,000 $ 72,000
Dubuque, Iowa 1 $ 165,000 $ 165,000 $ 70,000
Washington, Iowa 1 $ 202,000 $ 202,000 $ 63,000
Fayette, Kentucky 1 $ 158,000 $ 158,000 $ 38,000
Knox, Maine 1 $ 195,000 $ 195,000 $ 45,000
Sagadahoc, Maine 1 $ 140,000 $ 140,000 $ 48,000
Somerset, Maine 1 $ 68,000 $ 68,000 $ 31,000
York, Maine 1 $ 115,000 $ 115,000 $ 58,000
Caroline, Maryland 1 $ 140,000 $ 140,000 $ 33,000
Cecil, Maryland 1 $ 154,000 $ 154,000 $ 51,000
Berkshire, Massachusetts 1 $ 140,000 $ 140,000 $ 46,000
Hampshire, Massachusetts 1 $ 81,000 $ 81,000 $ 37,000
Middlesex, Massachusetts 1 $ 289,000 $ 289,000 $ 89,000
Plymouth, Massachusetts 1 $ 189,000 $ 189,000 $ 123,000
Worcester, Massachusetts 1 $ 164,000 $ 164,000 $ 0
Calhoun, Michigan 1 $ 149,000 $ 149,000 $ 65,000
Ionia, Michigan 1 $ 118,000 $ 118,000 $ 64,000
Muskegon, Michigan 1 $ 141,000 $ 141,000 $ 49,000
Wayne, Michigan 1 $ 100,000 $ 100,000 $ 36,000
Hennepin, Minnesota 1 $ 217,000 $ 217,000 $ 52,000
Benton, Missouri 1 $ 32,000 $ 32,000 $ 16,000
Greene, Missouri 1 $ 42,000 $ 42,000 $ 25,000
Carroll, New Hampshire 1 $ 119,000 $ 119,000 $ 47,000
Cheshire, New Hampshire 1 $ 202,000 $ 202,000 $ 91,000
Ocean, New Jersey 1 $ 130,000 $ 130,000 $ 46,000
Warren, New Jersey 1 $ 94,000 $ 94,000 $ 38,000
Dona Ana, New Mexico 1 $ 169,000 $ 169,000 $ 53,000
Chautauqua, New York 1 $ 170,000 $ 170,000 $ 70,000
Fulton, New York 1 $ 360,000 $ 360,000 $ 120,000
Herkimer, New York 1 $ 82,000 $ 82,000 $ 98,000
Nassau, New York 1 $ 330,000 $ 330,000 $ 77,000
Putnam, New York 1 $ 312,000 $ 312,000 $ 80,000
Rutherford, North Carolina 1 $ 92,000 $ 92,000 $ 39,000
Wake, North Carolina 1 $ 120,000 $ 120,000 $ 74,000
Deschutes, Oregon 1 $ 338,000 $ 338,000 $ 102,000
Douglas, Oregon 1 $ 158,000 $ 158,000 $ 95,000
Lane, Oregon 1 $ 125,000 $ 125,000 $ 49,000
Linn, Oregon 1 $ 138,000 $ 138,000 $ 80,000
Yamhill, Oregon 1 $ 154,000 $ 154,000 $ 51,000
Beaver, Pennsylvania 1 $ 133,000 $ 133,000 $ 36,000
Erie, Pennsylvania 1 $ 123,000 $ 123,000 $ 36,000
Franklin, Pennsylvania 1 $ 140,000 $ 140,000 $ 75,000
Lehigh, Pennsylvania 1 $ 142,000 $ 142,000 $ 62,000
Luzerne, Pennsylvania 1 $ 119,000 $ 119,000 $ 92,000
Lycoming, Pennsylvania 1 $ 69,000 $ 69,000 $ 21,000
Mercer, Pennsylvania 1 $ 119,000 $ 119,000 $ 65,000
Monroe, Pennsylvania 1 $ 216,000 $ 216,000 $ 70,000
Wayne, Pennsylvania 1 $ 404,000 $ 404,000 $ 97,000
Horry, South Carolina 1 $ 71,000 $ 71,000 $ 30,000
Oconee, South Carolina 1 $ 119,000 $ 119,000 $ 28,000
Richland, South Carolina 1 $ 110,000 $ 110,000 $ 155,000
Johnson, Tennessee 1 $ 86,000 $ 86,000 $ 30,000
Rutherford, Tennessee 1 $ 125,000 $ 125,000 $ 52,000
Sumner, Tennessee 1 $ 150,000 $ 150,000 $ 88,000
Washington, Tennessee 1 $ 96,000 $ 96,000 $ 49,000
Charlottesville, Virginia 1 $ 141,000 $ 141,000 $ 31,000
Hampton, Virginia 1 $ 125,000 $ 125,000 $ 41,000
James City, Virginia 1 $ 213,000 $ 213,000 $ 72,000
Loudoun, Virginia 1 $ 236,000 $ 236,000 $ 47,000
Roanoke, Virginia 1 $ 148,000 $ 148,000 $ 39,000
Stafford, Virginia 1 $ 392,000 $ 392,000 $ 134,000
Virginia Beach, Virginia 1 $ 180,000 $ 180,000 $ 44,000
Washington, Virginia 1 $ 74,000 $ 74,000 $ 44,000

Mortgage Loan Application Detail Totals for NFM, Inc in 2006

Loan Purpose

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Refinancing 430 $82,821,000 $192,000 $1,860,000 $73,000 $870,000
Home Purchase 58 $10,261,000 $176,000 $754,000 $106,000 $870,000
Home Improvement 2 $99,000 $49,000 $58,000 $102,000 $139,000

Applicant Race

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
White 262 $51,212,000 $195,000 $1,860,000 $79,000 $582,000
Black or African American 123 $23,076,000 $187,000 $754,000 $78,000 $870,000
Not Provided 66 $11,612,000 $175,000 $615,000 $61,000 $180,000
Hispanic 31 $5,866,000 $189,000 $417,000 $89,000 $228,000
Native Hawaiian or Other Pacific Islander 4 $811,000 $202,000 $350,000 $57,000 $100,000
Asian 4 $604,000 $151,000 $232,000 $42,000 $60,000
American Indian or Alaskan Native 0 $0 $0 $0 $0 $0
Not applicable 0 $0 $0 $0 $0 $0

Loan Type

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Conventional (any loan other than FHA, VA, FSA, or RHS loans) 487 $92,791,000 $190,000 $1,860,000 $77,000 $870,000
FHA-insured (Federal Housing Administration) 3 $390,000 $130,000 $151,000 $56,000 $74,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 0 $0 $0 $0 $0 $0
VA-guaranteed (Veterans Administration) 0 $0 $0 $0 $0 $0

Outcome

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Loan Originated 432 $82,621,000 $191,000 $1,860,000 $77,000 $870,000
Application Withdrawn By Applicant 33 $5,860,000 $177,000 $615,000 $78,000 $198,000
Application Denied By Financial Institution 25 $4,700,000 $188,000 $550,000 $67,000 $228,000
Application Approved But Not Accepted 0 $0 $0 $0 $0 $0
File Closed For Incompleteness 0 $0 $0 $0 $0 $0
Loan Purchased By The Institution 0 $0 $0 $0 $0 $0
Preapproval Approved but not Accepted 0 $0 $0 $0 $0 $0
Preapproval Denied by Financial Institution 0 $0 $0 $0 $0 $0

Denial Reason

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Credit History 15 $2,146,000 $143,000 $336,000 $55,000 $228,000
Debt-To-Income Ratio 4 $758,000 $189,000 $389,000 $32,000 $39,000
Collateral 3 $1,049,000 $349,000 $550,000 $162,000 $180,000
Other 2 $490,000 $245,000 $360,000 $83,000 $120,000
Employment History 1 $257,000 $257,000 $257,000 $67,000 $67,000
Insufficient Cash (Downpayment, Closing Cost) 0 $0 $0 $0 $0 $0
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0
Unverifiable Information 0 $0 $0 $0 $0 $0
Credit Application Incomplete 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into NFM, Inc's 2006 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.

This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics, and assess NFM, Inc's mortgage approval patterns. Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Maryland, download the full spreadsheet with aggregated HMDA statistics today.

Download the Maryland Lender List