NFM, Inc Mortgage Lending & HMDA Data, 2008
In 2008, NFM, Inc of Linthicum, MD reported 878 mortgage applications totaling $188.4 million, up 815% from 2007. The average application was for $214,578, and applicants reported an average income of $65,542. 73% of its applications resulted in an originated loan and 12% were denied. Its largest markets were Baltimore-Towson, MD (182), Washington-Arlington-Alexandria, DC-VA-MD-WV (58) and Atlanta-Sandy Springs-Marietta, GA (50) (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 | 878 |
| Total Mortgage Loan Application Amount | $188,400,000 |
| Average Mortgage Loan Application Amount | $214,578 |
| Highest Mortgage Loan Application Amount | $714,000 |
| Average Applicant Income | $65,542 |
| Highest Applicant Income | $424,000 |
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Disclosure Act (HMDA) records NFM, Inc filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Baltimore, Maryland | 74 | $ 17,045,000 | $ 230,337 | $ 60,000 |
| Baltimore City, Maryland | 48 | $ 8,059,000 | $ 167,895 | $ 47,000 |
| Prince George's, Maryland | 29 | $ 8,249,000 | $ 284,448 | $ 61,000 |
| Anne Arundel, Maryland | 26 | $ 7,036,000 | $ 270,615 | $ 76,000 |
| Harford, Maryland | 23 | $ 5,687,000 | $ 247,260 | $ 54,000 |
| Virginia Beach, Virginia | 19 | $ 4,611,000 | $ 242,684 | $ 79,000 |
| Mecklenburg, North Carolina | 14 | $ 2,073,000 | $ 148,071 | $ 62,000 |
| Burlington, New Jersey | 12 | $ 2,888,000 | $ 240,666 | $ 75,000 |
| Camden, New Jersey | 12 | $ 2,444,000 | $ 203,666 | $ 53,000 |
| Essex, New Jersey | 12 | $ 3,636,000 | $ 303,000 | $ 68,000 |
| Charles, Maryland | 10 | $ 3,222,000 | $ 322,200 | $ 63,000 |
| Montgomery, Pennsylvania | 10 | $ 2,883,000 | $ 288,300 | $ 124,000 |
| Fulton, Georgia | 9 | $ 1,928,000 | $ 214,222 | $ 65,000 |
| Gloucester, New Jersey | 9 | $ 1,869,000 | $ 207,666 | $ 40,000 |
| Albany, New York | 9 | $ 1,250,000 | $ 138,888 | $ 80,000 |
| Suffolk, New York | 9 | $ 2,715,000 | $ 301,666 | $ 109,000 |
| York, Pennsylvania | 9 | $ 1,449,000 | $ 161,000 | $ 60,000 |
| Gwinnett, Georgia | 8 | $ 1,597,000 | $ 199,625 | $ 80,000 |
| Hudson, New Jersey | 8 | $ 2,404,000 | $ 300,500 | $ 65,000 |
| Philadelphia, Pennsylvania | 8 | $ 1,553,000 | $ 194,125 | $ 55,000 |
| Davidson, Tennessee | 8 | $ 1,427,000 | $ 178,375 | $ 59,000 |
| Shelby, Tennessee | 8 | $ 1,183,000 | $ 147,875 | $ 55,000 |
| Clark, Indiana | 7 | $ 1,004,000 | $ 143,428 | $ 52,000 |
| Mercer, Kentucky | 7 | $ 840,000 | $ 120,000 | $ 56,000 |
| Rensselaer, New York | 7 | $ 1,238,000 | $ 176,857 | $ 68,000 |
| Bucks, Pennsylvania | 7 | $ 1,650,000 | $ 235,714 | $ 69,000 |
| Chesterfield, Virginia | 7 | $ 1,456,000 | $ 208,000 | $ 61,000 |
| District of Columbia, District Of Columbia | 6 | $ 1,872,000 | $ 312,000 | $ 95,000 |
| Frederick, Maryland | 6 | $ 2,097,000 | $ 349,500 | $ 54,000 |
| Mercer, New Jersey | 6 | $ 1,052,000 | $ 175,333 | $ 71,000 |
| Monmouth, New Jersey | 6 | $ 1,582,000 | $ 263,666 | $ 74,000 |
| Nassau, New York | 6 | $ 2,016,000 | $ 336,000 | $ 106,000 |
| Dauphin, Pennsylvania | 6 | $ 998,000 | $ 166,333 | $ 57,000 |
| Lancaster, Pennsylvania | 6 | $ 1,033,000 | $ 172,166 | $ 77,000 |
| Chesapeake, Virginia | 6 | $ 1,294,000 | $ 215,666 | $ 61,000 |
| Henrico, Virginia | 6 | $ 1,353,000 | $ 225,500 | $ 61,000 |
| Mobile, Alabama | 5 | $ 768,000 | $ 153,600 | $ 68,000 |
| New Castle, Delaware | 5 | $ 1,128,000 | $ 225,600 | $ 76,000 |
| Chatham, Georgia | 5 | $ 866,000 | $ 173,200 | $ 61,000 |
| Cobb, Georgia | 5 | $ 755,000 | $ 151,000 | $ 32,000 |
| DeKalb, Georgia | 5 | $ 813,000 | $ 162,600 | $ 72,000 |
| Forsyth, Georgia | 5 | $ 1,119,000 | $ 223,800 | $ 63,000 |
| Cook, Illinois | 5 | $ 802,000 | $ 160,400 | $ 52,000 |
| Carroll, Maryland | 5 | $ 1,329,000 | $ 265,800 | $ 69,000 |
| Howard, Maryland | 5 | $ 2,180,000 | $ 436,000 | $ 108,000 |
| Montgomery, Maryland | 5 | $ 1,452,000 | $ 290,400 | $ 97,000 |
| Bergen, New Jersey | 5 | $ 1,733,000 | $ 346,600 | $ 116,000 |
| Union, New Jersey | 5 | $ 1,770,000 | $ 354,000 | $ 78,000 |
| Richmond, New York | 5 | $ 1,448,000 | $ 289,600 | $ 141,000 |
| Fairfield, Connecticut | 4 | $ 1,309,000 | $ 327,250 | $ 125,000 |
| Hartford, Connecticut | 4 | $ 854,000 | $ 213,500 | $ 72,000 |
| Lowndes, Georgia | 4 | $ 638,000 | $ 159,500 | $ 32,000 |
| Paulding, Georgia | 4 | $ 891,000 | $ 222,750 | $ 87,000 |
| Boyle, Kentucky | 4 | $ 450,000 | $ 112,500 | $ 35,000 |
| Passaic, New Jersey | 4 | $ 1,100,000 | $ 275,000 | $ 51,000 |
| Kings, New York | 4 | $ 1,170,000 | $ 292,500 | $ 77,000 |
| Queens, New York | 4 | $ 1,323,000 | $ 330,750 | $ 81,000 |
| Berks, Pennsylvania | 4 | $ 893,000 | $ 223,250 | $ 90,000 |
| Delaware, Pennsylvania | 4 | $ 1,033,000 | $ 258,250 | $ 23,000 |
| Hamilton, Tennessee | 4 | $ 415,000 | $ 103,750 | $ 48,000 |
| Montgomery, Tennessee | 4 | $ 605,000 | $ 151,250 | $ 70,000 |
| Rutherford, Tennessee | 4 | $ 663,000 | $ 165,750 | $ 62,000 |
| Fairfax, Virginia | 4 | $ 1,148,000 | $ 287,000 | $ 76,000 |
| Hampton, Virginia | 4 | $ 984,000 | $ 246,000 | $ 72,000 |
| Richmond City, Virginia | 4 | $ 613,000 | $ 153,250 | $ 52,000 |
| Jefferson, Alabama | 3 | $ 563,000 | $ 187,666 | $ 49,000 |
| Shelby, Alabama | 3 | $ 598,000 | $ 199,333 | $ 111,000 |
| New London, Connecticut | 3 | $ 885,000 | $ 295,000 | $ 91,000 |
| Broward, Florida | 3 | $ 418,000 | $ 139,333 | $ 39,000 |
| Miami-Dade, Florida | 3 | $ 480,000 | $ 160,000 | $ 14,000 |
| Columbia, Georgia | 3 | $ 537,000 | $ 179,000 | $ 76,000 |
| Jefferson, Kentucky | 3 | $ 637,000 | $ 212,333 | $ 68,000 |
| St. Mary's, Maryland | 3 | $ 738,000 | $ 246,000 | $ 76,000 |
| Atlantic, New Jersey | 3 | $ 591,000 | $ 197,000 | $ 97,000 |
| Cumberland, New Jersey | 3 | $ 583,000 | $ 194,333 | $ 72,000 |
| Middlesex, New Jersey | 3 | $ 668,000 | $ 222,666 | $ 69,000 |
| Ocean, New Jersey | 3 | $ 805,000 | $ 268,333 | $ 60,000 |
| Iredell, North Carolina | 3 | $ 363,000 | $ 121,000 | $ 58,000 |
| Chester, Pennsylvania | 3 | $ 615,000 | $ 205,000 | $ 89,000 |
| Cumberland, Pennsylvania | 3 | $ 488,000 | $ 162,666 | $ 63,000 |
| Northampton, Pennsylvania | 3 | $ 459,000 | $ 153,000 | $ 22,000 |
| Hopewell, Virginia | 3 | $ 516,000 | $ 172,000 | $ 64,000 |
| Norfolk, Virginia | 3 | $ 418,000 | $ 139,333 | $ 26,000 |
| Prince William, Virginia | 3 | $ 579,000 | $ 193,000 | $ 49,000 |
| Suffolk, Virginia | 3 | $ 393,000 | $ 131,000 | $ 37,000 |
| Madison, Alabama | 2 | $ 498,000 | $ 249,000 | $ 90,000 |
| Los Angeles, California | 2 | $ 564,000 | $ 282,000 | $ 71,000 |
| New Haven, Connecticut | 2 | $ 519,000 | $ 259,500 | $ 56,000 |
| Brevard, Florida | 2 | $ 364,000 | $ 182,000 | $ 27,000 |
| Collier, Florida | 2 | $ 465,000 | $ 232,500 | $ 70,000 |
| Palm Beach, Florida | 2 | $ 374,000 | $ 187,000 | $ 242,000 |
| Carroll, Georgia | 2 | $ 295,000 | $ 147,500 | $ 59,000 |
| Clayton, Georgia | 2 | $ 263,000 | $ 131,500 | $ 44,000 |
| Fayette, Georgia | 2 | $ 364,000 | $ 182,000 | $ 22,000 |
| Hall, Georgia | 2 | $ 317,000 | $ 158,500 | $ 77,000 |
| Jackson, Georgia | 2 | $ 315,000 | $ 157,500 | $ 64,000 |
| Jones, Georgia | 2 | $ 360,000 | $ 180,000 | $ 72,000 |
| Marion, Indiana | 2 | $ 302,000 | $ 151,000 | $ 14,000 |
| Wicomico, Maryland | 2 | $ 429,000 | $ 214,500 | $ 63,000 |
| Middlesex, Massachusetts | 2 | $ 635,000 | $ 317,500 | $ 87,000 |
| Sussex, New Jersey | 2 | $ 349,000 | $ 174,500 | $ 43,000 |
| Catawba, North Carolina | 2 | $ 200,000 | $ 100,000 | $ 27,000 |
| Gaston, North Carolina | 2 | $ 197,000 | $ 98,500 | $ 39,000 |
| Adams, Pennsylvania | 2 | $ 316,000 | $ 158,000 | $ 50,000 |
| Erie, Pennsylvania | 2 | $ 217,000 | $ 108,500 | $ 36,000 |
| Lackawanna, Pennsylvania | 2 | $ 319,000 | $ 159,500 | $ 52,000 |
| Lehigh, Pennsylvania | 2 | $ 348,000 | $ 174,000 | $ 44,000 |
| Lycoming, Pennsylvania | 2 | $ 254,000 | $ 127,000 | $ 43,000 |
| Monroe, Pennsylvania | 2 | $ 400,000 | $ 200,000 | $ 35,000 |
| Susquehanna, Pennsylvania | 2 | $ 279,000 | $ 139,500 | $ 49,000 |
| Westmoreland, Pennsylvania | 2 | $ 437,000 | $ 218,500 | $ 72,000 |
| Bradley, Tennessee | 2 | $ 201,000 | $ 100,500 | $ 81,000 |
| Fayette, Tennessee | 2 | $ 598,000 | $ 299,000 | $ 137,000 |
| Knox, Tennessee | 2 | $ 273,000 | $ 136,500 | $ 70,000 |
| Williamson, Tennessee | 2 | $ 316,000 | $ 158,000 | $ 49,000 |
| Wilson, Tennessee | 2 | $ 417,000 | $ 208,500 | $ 56,000 |
| Charlottesville, Virginia | 2 | $ 248,000 | $ 124,000 | $ 76,000 |
| Fluvanna, Virginia | 2 | $ 463,000 | $ 231,500 | $ 76,000 |
| Frederick, Virginia | 2 | $ 464,000 | $ 232,000 | $ 27,000 |
| Northumberland, Virginia | 2 | $ 441,000 | $ 220,500 | $ 42,000 |
| Portsmouth, Virginia | 2 | $ 338,000 | $ 169,000 | $ 49,000 |
| Salem, Virginia | 2 | $ 339,000 | $ 169,500 | $ 70,000 |
| Spotsylvania, Virginia | 2 | $ 320,000 | $ 160,000 | $ 44,000 |
| Stafford, Virginia | 2 | $ 567,000 | $ 283,500 | $ 112,000 |
| Baldwin, Alabama | 1 | $ 111,000 | $ 111,000 | $ 54,000 |
| Blount, Alabama | 1 | $ 129,000 | $ 129,000 | $ 62,000 |
| Elmore, Alabama | 1 | $ 83,000 | $ 83,000 | $ 28,000 |
| Etowah, Alabama | 1 | $ 210,000 | $ 210,000 | $ 60,000 |
| Houston, Alabama | 1 | $ 236,000 | $ 236,000 | $ 100,000 |
| Lowndes, Alabama | 1 | $ 250,000 | $ 250,000 | $ 54,000 |
| Monroe, Alabama | 1 | $ 79,000 | $ 79,000 | $ 25,000 |
| Montgomery, Alabama | 1 | $ 173,000 | $ 173,000 | $ 38,000 |
| Tulare, California | 1 | $ 208,000 | $ 208,000 | $ 61,000 |
| Arapahoe, Colorado | 1 | $ 118,000 | $ 118,000 | $ 60,000 |
| Tolland, Connecticut | 1 | $ 139,000 | $ 139,000 | $ 28,000 |
| Kent, Delaware | 1 | $ 224,000 | $ 224,000 | $ 71,000 |
| Sussex, Delaware | 1 | $ 158,000 | $ 158,000 | $ 68,000 |
| Bay, Florida | 1 | $ 202,000 | $ 202,000 | $ 49,000 |
| Duval, Florida | 1 | $ 87,000 | $ 87,000 | $ 17,000 |
| Hillsborough, Florida | 1 | $ 144,000 | $ 144,000 | $ 52,000 |
| Marion, Florida | 1 | $ 112,000 | $ 112,000 | $ 55,000 |
| Orange, Florida | 1 | $ 156,000 | $ 156,000 | $ 72,000 |
| Sarasota, Florida | 1 | $ 153,000 | $ 153,000 | $ 0 |
| Seminole, Florida | 1 | $ 220,000 | $ 220,000 | $ 57,000 |
| St. Johns, Florida | 1 | $ 396,000 | $ 396,000 | $ 109,000 |
| Volusia, Florida | 1 | $ 134,000 | $ 134,000 | $ 20,000 |
| Barrow, Georgia | 1 | $ 127,000 | $ 127,000 | $ 34,000 |
| Cherokee, Georgia | 1 | $ 409,000 | $ 409,000 | $ 231,000 |
| Clarke, Georgia | 1 | $ 302,000 | $ 302,000 | $ 62,000 |
| Coweta, Georgia | 1 | $ 149,000 | $ 149,000 | $ 60,000 |
| Dodge, Georgia | 1 | $ 300,000 | $ 300,000 | $ 61,000 |
| Dougherty, Georgia | 1 | $ 137,000 | $ 137,000 | $ 46,000 |
| Douglas, Georgia | 1 | $ 159,000 | $ 159,000 | $ 36,000 |
| Gordon, Georgia | 1 | $ 210,000 | $ 210,000 | $ 65,000 |
| Henry, Georgia | 1 | $ 117,000 | $ 117,000 | $ 20,000 |
| Houston, Georgia | 1 | $ 129,000 | $ 129,000 | $ 47,000 |
| Lanier, Georgia | 1 | $ 164,000 | $ 164,000 | $ 57,000 |
| Meriwether, Georgia | 1 | $ 352,000 | $ 352,000 | $ 118,000 |
| Newton, Georgia | 1 | $ 172,000 | $ 172,000 | $ 52,000 |
| Putnam, Georgia | 1 | $ 208,000 | $ 208,000 | $ 120,000 |
| Richmond, Georgia | 1 | $ 127,000 | $ 127,000 | $ 53,000 |
| Rockdale, Georgia | 1 | $ 230,000 | $ 230,000 | $ 62,000 |
| Union, Georgia | 1 | $ 119,000 | $ 119,000 | $ 40,000 |
| Wayne, Georgia | 1 | $ 360,000 | $ 360,000 | $ 67,000 |
| White, Georgia | 1 | $ 245,000 | $ 245,000 | $ 88,000 |
| Whitfield, Georgia | 1 | $ 213,000 | $ 213,000 | $ 69,000 |
| DeKalb, Illinois | 1 | $ 139,000 | $ 139,000 | $ 55,000 |
| Floyd, Indiana | 1 | $ 124,000 | $ 124,000 | $ 199,000 |
| Kosciusko, Indiana | 1 | $ 216,000 | $ 216,000 | $ 56,000 |
| LaPorte, Indiana | 1 | $ 268,000 | $ 268,000 | $ 92,000 |
| Warren, Iowa | 1 | $ 222,000 | $ 222,000 | $ 77,000 |
| Kenton, Kentucky | 1 | $ 138,000 | $ 138,000 | $ 0 |
| Lincoln, Kentucky | 1 | $ 62,000 | $ 62,000 | $ 45,000 |
| Madison, Kentucky | 1 | $ 93,000 | $ 93,000 | $ 57,000 |
| Oldham, Kentucky | 1 | $ 200,000 | $ 200,000 | $ 76,000 |
| Oxford, Maine | 1 | $ 166,000 | $ 166,000 | $ 39,000 |
| Allegany, Maryland | 1 | $ 109,000 | $ 109,000 | $ 76,000 |
| Calvert, Maryland | 1 | $ 185,000 | $ 185,000 | $ 69,000 |
| Cecil, Maryland | 1 | $ 182,000 | $ 182,000 | $ 0 |
| Queen Anne's, Maryland | 1 | $ 259,000 | $ 259,000 | $ 49,000 |
| Washington, Maryland | 1 | $ 243,000 | $ 243,000 | $ 100,000 |
| Worcester, Maryland | 1 | $ 237,000 | $ 237,000 | $ 59,000 |
| Barnstable, Massachusetts | 1 | $ 197,000 | $ 197,000 | $ 122,000 |
| Bristol, Massachusetts | 1 | $ 283,000 | $ 283,000 | $ 70,000 |
| Hampden, Massachusetts | 1 | $ 217,000 | $ 217,000 | $ 64,000 |
| Norfolk, Massachusetts | 1 | $ 305,000 | $ 305,000 | $ 120,000 |
| Suffolk, Massachusetts | 1 | $ 299,000 | $ 299,000 | $ 79,000 |
| Wayne, Michigan | 1 | $ 212,000 | $ 212,000 | $ 81,000 |
| Morrison, Minnesota | 1 | $ 123,000 | $ 123,000 | $ 0 |
| Mower, Minnesota | 1 | $ 188,000 | $ 188,000 | $ 0 |
| St. Louis, Missouri | 1 | $ 285,000 | $ 285,000 | $ 125,000 |
| Hillsborough, New Hampshire | 1 | $ 174,000 | $ 174,000 | $ 66,000 |
| Rockingham, New Hampshire | 1 | $ 299,000 | $ 299,000 | $ 100,000 |
| Morris, New Jersey | 1 | $ 368,000 | $ 368,000 | $ 0 |
| Somerset, New Jersey | 1 | $ 246,000 | $ 246,000 | $ 90,000 |
| Bronx, New York | 1 | $ 401,000 | $ 401,000 | $ 108,000 |
| Dutchess, New York | 1 | $ 284,000 | $ 284,000 | $ 112,000 |
| Erie, New York | 1 | $ 159,000 | $ 159,000 | $ 68,000 |
| Montgomery, New York | 1 | $ 96,000 | $ 96,000 | $ 40,000 |
| Oneida, New York | 1 | $ 78,000 | $ 78,000 | $ 52,000 |
| Onondaga, New York | 1 | $ 92,000 | $ 92,000 | $ 48,000 |
| Orange, New York | 1 | $ 135,000 | $ 135,000 | $ 38,000 |
| Putnam, New York | 1 | $ 292,000 | $ 292,000 | $ 75,000 |
| Rockland, New York | 1 | $ 714,000 | $ 714,000 | $ 181,000 |
| Saratoga, New York | 1 | $ 210,000 | $ 210,000 | $ 102,000 |
| Schenectady, New York | 1 | $ 257,000 | $ 257,000 | $ 100,000 |
| Washington, New York | 1 | $ 116,000 | $ 116,000 | $ 54,000 |
| Wayne, New York | 1 | $ 96,000 | $ 96,000 | $ 35,000 |
| Westchester, New York | 1 | $ 193,000 | $ 193,000 | $ 65,000 |
| Camden, North Carolina | 1 | $ 340,000 | $ 340,000 | $ 150,000 |
| Carteret, North Carolina | 1 | $ 95,000 | $ 95,000 | $ 36,000 |
| Cumberland, North Carolina | 1 | $ 71,000 | $ 71,000 | $ 35,000 |
| Duplin, North Carolina | 1 | $ 73,000 | $ 73,000 | $ 17,000 |
| Durham, North Carolina | 1 | $ 153,000 | $ 153,000 | $ 0 |
| Forsyth, North Carolina | 1 | $ 206,000 | $ 206,000 | $ 43,000 |
| Harnett, North Carolina | 1 | $ 251,000 | $ 251,000 | $ 73,000 |
| Johnston, North Carolina | 1 | $ 143,000 | $ 143,000 | $ 0 |
| Martin, North Carolina | 1 | $ 70,000 | $ 70,000 | $ 55,000 |
| Nash, North Carolina | 1 | $ 262,000 | $ 262,000 | $ 97,000 |
| Pitt, North Carolina | 1 | $ 82,000 | $ 82,000 | $ 125,000 |
| Rutherford, North Carolina | 1 | $ 112,000 | $ 112,000 | $ 82,000 |
| Wake, North Carolina | 1 | $ 141,000 | $ 141,000 | $ 54,000 |
| Wilkes, North Carolina | 1 | $ 121,000 | $ 121,000 | $ 41,000 |
| Allegheny, Pennsylvania | 1 | $ 332,000 | $ 332,000 | $ 87,000 |
| Armstrong, Pennsylvania | 1 | $ 77,000 | $ 77,000 | $ 36,000 |
| Fayette, Pennsylvania | 1 | $ 164,000 | $ 164,000 | $ 57,000 |
| Indiana, Pennsylvania | 1 | $ 88,000 | $ 88,000 | $ 27,000 |
| Lebanon, Pennsylvania | 1 | $ 132,000 | $ 132,000 | $ 0 |
| Luzerne, Pennsylvania | 1 | $ 211,000 | $ 211,000 | $ 75,000 |
| Perry, Pennsylvania | 1 | $ 162,000 | $ 162,000 | $ 60,000 |
| Pike, Pennsylvania | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Union, Pennsylvania | 1 | $ 183,000 | $ 183,000 | $ 84,000 |
| Washington, Pennsylvania | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Aiken, South Carolina | 1 | $ 100,000 | $ 100,000 | $ 30,000 |
| Berkeley, South Carolina | 1 | $ 85,000 | $ 85,000 | $ 22,000 |
| Charleston, South Carolina | 1 | $ 326,000 | $ 326,000 | $ 78,000 |
| Dorchester, South Carolina | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Florence, South Carolina | 1 | $ 184,000 | $ 184,000 | $ 97,000 |
| York, South Carolina | 1 | $ 93,000 | $ 93,000 | $ 55,000 |
| Anderson, Tennessee | 1 | $ 178,000 | $ 178,000 | $ 136,000 |
| Bedford, Tennessee | 1 | $ 123,000 | $ 123,000 | $ 45,000 |
| Blount, Tennessee | 1 | $ 200,000 | $ 200,000 | $ 40,000 |
| Cumberland, Tennessee | 1 | $ 134,000 | $ 134,000 | $ 47,000 |
| Hamblen, Tennessee | 1 | $ 138,000 | $ 138,000 | $ 34,000 |
| Hardeman, Tennessee | 1 | $ 128,000 | $ 128,000 | $ 41,000 |
| Johnson, Tennessee | 1 | $ 206,000 | $ 206,000 | $ 96,000 |
| Lewis, Tennessee | 1 | $ 132,000 | $ 132,000 | $ 60,000 |
| Madison, Tennessee | 1 | $ 136,000 | $ 136,000 | $ 49,000 |
| Marion, Tennessee | 1 | $ 131,000 | $ 131,000 | $ 41,000 |
| McNairy, Tennessee | 1 | $ 115,000 | $ 115,000 | $ 49,000 |
| Robertson, Tennessee | 1 | $ 65,000 | $ 65,000 | $ 37,000 |
| Sevier, Tennessee | 1 | $ 165,000 | $ 165,000 | $ 101,000 |
| Smith, Tennessee | 1 | $ 49,000 | $ 49,000 | $ 48,000 |
| Sullivan, Tennessee | 1 | $ 147,000 | $ 147,000 | $ 110,000 |
| Albemarle, Virginia | 1 | $ 359,000 | $ 359,000 | $ 167,000 |
| Botetourt, Virginia | 1 | $ 282,000 | $ 282,000 | $ 150,000 |
| Colonial Heights, Virginia | 1 | $ 166,000 | $ 166,000 | $ 65,000 |
| Giles, Virginia | 1 | $ 185,000 | $ 185,000 | $ 57,000 |
| Gloucester, Virginia | 1 | $ 178,000 | $ 178,000 | $ 53,000 |
| Isle of Wight, Virginia | 1 | $ 365,000 | $ 365,000 | $ 119,000 |
| James City, Virginia | 1 | $ 227,000 | $ 227,000 | $ 63,000 |
| Loudoun, Virginia | 1 | $ 363,000 | $ 363,000 | $ 96,000 |
| Newport News, Virginia | 1 | $ 235,000 | $ 235,000 | $ 90,000 |
| Prince Edward, Virginia | 1 | $ 126,000 | $ 126,000 | $ 33,000 |
| Roanoke, Virginia | 1 | $ 148,000 | $ 148,000 | $ 54,000 |
| Roanoke City, Virginia | 1 | $ 187,000 | $ 187,000 | $ 41,000 |
| Rockbridge, Virginia | 1 | $ 166,000 | $ 166,000 | $ 34,000 |
| Rockingham, Virginia | 1 | $ 240,000 | $ 240,000 | $ 67,000 |
| Surry, Virginia | 1 | $ 160,000 | $ 160,000 | $ 52,000 |
| Williamsburg, Virginia | 1 | $ 193,000 | $ 193,000 | $ 36,000 |
| Kanawha, West Virginia | 1 | $ 107,000 | $ 107,000 | $ 45,000 |
| Sheridan, Wyoming | 1 | $ 177,000 | $ 177,000 | $ 85,000 |
Mortgage Loan Application Detail Totals for NFM, Inc in 2008
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 | 742 | $160,279,000 | $216,000 | $714,000 | $64,000 | $424,000 |
| Home Purchase | 135 | $27,834,000 | $206,000 | $627,000 | $74,000 | $260,000 |
| Home Improvement | 1 | $287,000 | $287,000 | $287,000 | $68,000 | $68,000 |
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 | 456 | $100,981,000 | $221,000 | $694,000 | $68,000 | $424,000 |
| Black or African American | 199 | $40,347,000 | $202,000 | $627,000 | $57,000 | $184,000 |
| Not Provided | 196 | $40,957,000 | $208,000 | $714,000 | $66,000 | $231,000 |
| Hispanic | 20 | $4,484,000 | $224,000 | $387,000 | $72,000 | $252,000 |
| Asian | 5 | $1,251,000 | $250,000 | $422,000 | $74,000 | $88,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $380,000 | $190,000 | $208,000 | $78,000 | $120,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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 |
|---|---|---|---|---|---|---|
| FHA-insured (Federal Housing Administration) | 689 | $147,665,000 | $214,000 | $714,000 | $61,000 | $293,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 189 | $40,735,000 | $215,000 | $500,000 | $80,000 | $424,000 |
| 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 | 637 | $138,896,000 | $218,000 | $631,000 | $63,000 | $424,000 |
| Application Withdrawn By Applicant | 130 | $26,727,000 | $205,000 | $627,000 | $73,000 | $313,000 |
| Application Denied By Financial Institution | 109 | $22,424,000 | $205,000 | $714,000 | $65,000 | $181,000 |
| File Closed For Incompleteness | 2 | $353,000 | $176,000 | $232,000 | $78,000 | $100,000 |
| Application Approved But Not Accepted | 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 | 48 | $9,589,000 | $199,000 | $694,000 | $62,000 | $172,000 |
| Other | 19 | $3,767,000 | $198,000 | $382,000 | $72,000 | $141,000 |
| Debt-To-Income Ratio | 11 | $2,429,000 | $220,000 | $374,000 | $62,000 | $108,000 |
| Collateral | 9 | $2,286,000 | $254,000 | $714,000 | $91,000 | $181,000 |
| Credit Application Incomplete | 7 | $1,195,000 | $170,000 | $303,000 | $49,000 | $85,000 |
| Unverifiable Information | 6 | $1,408,000 | $234,000 | $431,000 | $67,000 | $97,000 |
| Employment History | 3 | $800,000 | $266,000 | $341,000 | $76,000 | $77,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $530,000 | $176,000 | $193,000 | $82,000 | $136,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into NFM, Inc's 2008 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.
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