NFM, Inc Mortgage Lending & HMDA Data, 2012

In 2012, NFM, Inc of Linthicum, MD reported 6,770 mortgage applications totaling $1.5 billion, up 27% from 2011. The average application was for $226,343, and applicants reported an average income of $81,184. 61% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Washington-Arlington-Alexandria, DC-VA-MD-WV (886), Baltimore-Towson, MD (604) and Philadelphia, PA (408) (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
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Total Number of Mortgage Applications 6,770
Total Mortgage Loan Application Amount $1,532,348,000
Average Mortgage Loan Application Amount $226,343
Highest Mortgage Loan Application Amount $990,000
Average Applicant Income $81,184
Highest Applicant Income $1,680,000

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Disclosure Act (HMDA) records NFM, Inc filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2012

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 215 $ 51,187,000 $ 238,079 $ 71,000
Montgomery, Maryland 207 $ 62,670,000 $ 302,753 $ 114,000
Fairfax, Virginia 195 $ 72,720,000 $ 372,923 $ 121,000
Baltimore, Maryland 186 $ 41,023,000 $ 220,553 $ 74,000
Anne Arundel, Maryland 126 $ 35,056,000 $ 278,222 $ 99,000
Philadelphia, Pennsylvania 122 $ 22,259,000 $ 182,450 $ 76,000
Gloucester, New Jersey 113 $ 23,033,000 $ 203,831 $ 92,000
Frederick, Maryland 109 $ 28,659,000 $ 262,926 $ 89,000
Galveston, Texas 107 $ 16,410,000 $ 153,364 $ 97,000
Burlington, New Jersey 105 $ 20,967,000 $ 199,685 $ 82,000
Camden, New Jersey 104 $ 18,618,000 $ 179,019 $ 74,000
Baltimore City, Maryland 98 $ 18,467,000 $ 188,438 $ 81,000
Prince William, Virginia 93 $ 24,135,000 $ 259,516 $ 78,000
Wake, North Carolina 91 $ 17,405,000 $ 191,263 $ 89,000
Bucks, Pennsylvania 91 $ 19,311,000 $ 212,208 $ 81,000
Mobile, Alabama 89 $ 11,231,000 $ 126,191 $ 57,000
Montgomery, Pennsylvania 87 $ 21,229,000 $ 244,011 $ 94,000
Hartford, Connecticut 84 $ 16,580,000 $ 197,380 $ 79,000
Lake, Indiana 84 $ 10,175,000 $ 121,130 $ 50,000
Loudoun, Virginia 79 $ 32,123,000 $ 406,620 $ 136,000
Howard, Maryland 73 $ 24,416,000 $ 334,465 $ 130,000
Bergen, New Jersey 69 $ 22,974,000 $ 332,956 $ 116,000
District of Columbia, District Of Columbia 68 $ 22,881,000 $ 336,485 $ 100,000
Harford, Maryland 68 $ 16,711,000 $ 245,750 $ 86,000
Middlesex, Massachusetts 67 $ 19,956,000 $ 297,850 $ 83,000
Ocean, New Jersey 67 $ 17,202,000 $ 256,746 $ 89,000
New Haven, Connecticut 66 $ 13,653,000 $ 206,863 $ 67,000
Allegheny, Pennsylvania 66 $ 10,948,000 $ 165,878 $ 81,000
Cook, Illinois 65 $ 9,942,000 $ 152,953 $ 66,000
Charles, Maryland 62 $ 15,297,000 $ 246,725 $ 67,000
Fairfield, Connecticut 58 $ 17,299,000 $ 298,258 $ 100,000
Chester, Pennsylvania 58 $ 14,669,000 $ 252,913 $ 88,000
Middlesex, New Jersey 56 $ 15,486,000 $ 276,535 $ 85,000
Monmouth, New Jersey 55 $ 16,801,000 $ 305,472 $ 99,000
Mecklenburg, North Carolina 51 $ 8,053,000 $ 157,901 $ 60,000
Delaware, Pennsylvania 50 $ 10,691,000 $ 213,820 $ 85,000
Durham, North Carolina 49 $ 9,425,000 $ 192,346 $ 74,000
York, Pennsylvania 44 $ 7,930,000 $ 180,227 $ 68,000
Union, New Jersey 40 $ 11,611,000 $ 290,275 $ 102,000
Plymouth, Massachusetts 39 $ 9,432,000 $ 241,846 $ 62,000
Carroll, Maryland 38 $ 10,442,000 $ 274,789 $ 104,000
Essex, New Jersey 37 $ 9,905,000 $ 267,702 $ 93,000
Morris, New Jersey 37 $ 11,356,000 $ 306,918 $ 95,000
Gwinnett, Georgia 36 $ 6,038,000 $ 167,722 $ 55,000
Worcester, Massachusetts 36 $ 8,528,000 $ 236,888 $ 76,000
Lancaster, Pennsylvania 36 $ 6,017,000 $ 167,138 $ 62,000
Arlington, Virginia 36 $ 13,789,000 $ 383,027 $ 122,000
Miami-Dade, Florida 35 $ 7,347,000 $ 209,914 $ 65,000
Essex, Massachusetts 35 $ 8,832,000 $ 252,342 $ 61,000
Harris, Texas 35 $ 4,744,000 $ 135,542 $ 73,000
Monroe, Alabama 34 $ 3,193,000 $ 93,911 $ 57,000
Passaic, New Jersey 34 $ 9,735,000 $ 286,323 $ 85,000
Brazoria, Texas 34 $ 4,975,000 $ 146,323 $ 77,000
Chesterfield, Virginia 34 $ 6,864,000 $ 201,882 $ 55,000
Broward, Florida 33 $ 7,060,000 $ 213,939 $ 77,000
Washington, Maryland 33 $ 5,421,000 $ 164,272 $ 67,000
Lehigh, Pennsylvania 33 $ 6,201,000 $ 187,909 $ 69,000
Fulton, Georgia 31 $ 6,205,000 $ 200,161 $ 78,000
Atlantic, New Jersey 31 $ 5,707,000 $ 184,096 $ 66,000
Somerset, New Jersey 30 $ 9,468,000 $ 315,600 $ 104,000
Virginia Beach, Virginia 30 $ 6,236,000 $ 207,866 $ 47,000
Calvert, Maryland 29 $ 8,265,000 $ 285,000 $ 88,000
Bristol, Massachusetts 29 $ 6,875,000 $ 237,068 $ 71,000
Mercer, New Jersey 29 $ 6,365,000 $ 219,482 $ 83,000
Spotsylvania, Virginia 28 $ 6,939,000 $ 247,821 $ 88,000
Northampton, Pennsylvania 27 $ 5,692,000 $ 210,814 $ 81,000
Baldwin, Alabama 26 $ 4,204,000 $ 161,692 $ 58,000
Duval, Florida 26 $ 4,532,000 $ 174,307 $ 69,000
Hillsborough, Florida 26 $ 4,514,000 $ 173,615 $ 75,000
Cecil, Maryland 25 $ 5,659,000 $ 226,360 $ 64,000
Hudson, New Jersey 25 $ 7,548,000 $ 301,920 $ 102,000
Los Angeles, California 24 $ 7,386,000 $ 307,750 $ 64,000
Palm Beach, Florida 24 $ 4,854,000 $ 202,250 $ 73,000
Norfolk, Massachusetts 24 $ 6,248,000 $ 260,333 $ 75,000
Orange, Florida 23 $ 5,067,000 $ 220,304 $ 77,000
Charleston, South Carolina 23 $ 4,782,000 $ 207,913 $ 53,000
Henrico, Virginia 23 $ 4,528,000 $ 196,869 $ 63,000
Alexandria, Virginia 22 $ 7,236,000 $ 328,909 $ 105,000
Chesapeake, Virginia 22 $ 4,822,000 $ 219,181 $ 59,000
Stafford, Virginia 22 $ 5,797,000 $ 263,500 $ 79,000
Litchfield, Connecticut 21 $ 4,240,000 $ 201,904 $ 71,000
St. Mary's, Maryland 21 $ 5,822,000 $ 277,238 $ 108,000
Butler, Pennsylvania 21 $ 4,358,000 $ 207,523 $ 90,000
Westmoreland, Pennsylvania 21 $ 3,347,000 $ 159,380 $ 57,000
Cobb, Georgia 20 $ 3,675,000 $ 183,750 $ 74,000
Sussex, New Jersey 20 $ 5,205,000 $ 260,250 $ 70,000
Middlesex, Connecticut 19 $ 4,864,000 $ 256,000 $ 101,000
Tolland, Connecticut 19 $ 3,925,000 $ 206,578 $ 77,000
Pinellas, Florida 19 $ 3,372,000 $ 177,473 $ 66,000
Luzerne, Pennsylvania 19 $ 2,933,000 $ 154,368 $ 81,000
DeKalb, Georgia 18 $ 3,645,000 $ 202,500 $ 44,000
Suffolk, New York 18 $ 5,297,000 $ 294,277 $ 146,000
Berks, Pennsylvania 18 $ 2,867,000 $ 159,277 $ 73,000
Dauphin, Pennsylvania 18 $ 2,788,000 $ 154,888 $ 74,000
Berkeley, South Carolina 18 $ 3,646,000 $ 202,555 $ 71,000
Shelby, Tennessee 18 $ 2,719,000 $ 151,055 $ 77,000
Polk, Florida 17 $ 2,711,000 $ 159,470 $ 62,000
Brevard, Florida 16 $ 3,384,000 $ 211,500 $ 76,000
Seminole, Florida 16 $ 3,567,000 $ 222,937 $ 75,000
Volusia, Florida 16 $ 2,705,000 $ 169,062 $ 65,000
Queen Anne's, Maryland 16 $ 4,354,000 $ 272,125 $ 85,000
Cape May, New Jersey 16 $ 3,758,000 $ 234,875 $ 69,000
Guilford, North Carolina 16 $ 2,386,000 $ 149,125 $ 46,000
Cumberland, Pennsylvania 16 $ 3,358,000 $ 209,875 $ 91,000
Suffolk, Massachusetts 15 $ 3,976,000 $ 265,066 $ 93,000
Cumberland, New Jersey 15 $ 2,646,000 $ 176,400 $ 64,000
Franklin, Pennsylvania 15 $ 2,709,000 $ 180,600 $ 46,000
Rutherford, Tennessee 15 $ 2,519,000 $ 167,933 $ 71,000
Riverside, California 14 $ 3,005,000 $ 214,642 $ 71,000
Lee, Florida 14 $ 3,086,000 $ 220,428 $ 70,000
Hunterdon, New Jersey 14 $ 5,060,000 $ 361,428 $ 169,000
Davidson, Tennessee 14 $ 2,580,000 $ 184,285 $ 52,000
Orange, California 13 $ 4,903,000 $ 377,153 $ 98,000
New Castle, Delaware 13 $ 3,085,000 $ 237,307 $ 78,000
Warren, New Jersey 13 $ 2,277,000 $ 175,153 $ 82,000
Richmond City, Virginia 13 $ 2,014,000 $ 154,923 $ 45,000
New London, Connecticut 12 $ 2,084,000 $ 173,666 $ 55,000
Sussex, Delaware 12 $ 2,840,000 $ 236,666 $ 226,000
Cherokee, Georgia 12 $ 2,218,000 $ 184,833 $ 68,000
Porter, Indiana 12 $ 1,420,000 $ 118,333 $ 45,000
Hampden, Massachusetts 12 $ 2,197,000 $ 183,083 $ 63,000
York, South Carolina 12 $ 2,227,000 $ 185,583 $ 78,000
Newport News, Virginia 12 $ 2,226,000 $ 185,500 $ 60,000
Chatham, Georgia 11 $ 1,916,000 $ 174,181 $ 41,000
Forsyth, Georgia 11 $ 2,449,000 $ 222,636 $ 81,000
Beaver, Pennsylvania 11 $ 1,940,000 $ 176,363 $ 82,000
Norfolk, Virginia 11 $ 1,525,000 $ 138,636 $ 31,000
San Bernardino, California 10 $ 2,147,000 $ 214,700 $ 45,000
Collier, Florida 10 $ 2,524,000 $ 252,400 $ 60,000
Johnston, North Carolina 10 $ 1,683,000 $ 168,300 $ 70,000
Lackawanna, Pennsylvania 10 $ 1,586,000 $ 158,600 $ 72,000
Lebanon, Pennsylvania 10 $ 1,854,000 $ 185,400 $ 73,000
Greenville, South Carolina 10 $ 1,612,000 $ 161,200 $ 49,000
Lexington, South Carolina 10 $ 1,569,000 $ 156,900 $ 51,000
Frederick, Virginia 10 $ 1,887,000 $ 188,700 $ 67,000
Manassas, Virginia 10 $ 1,556,000 $ 155,600 $ 57,000
Portsmouth, Virginia 10 $ 1,503,000 $ 150,300 $ 45,000
Berkeley, West Virginia 10 $ 1,530,000 $ 153,000 $ 44,000
Alameda, California 9 $ 2,721,000 $ 302,333 $ 139,000
San Diego, California 9 $ 2,937,000 $ 326,333 $ 82,000
Clay, Florida 9 $ 1,691,000 $ 187,888 $ 69,000
Escambia, Florida 9 $ 1,640,000 $ 182,222 $ 64,000
Lake, Florida 9 $ 1,789,000 $ 198,777 $ 76,000
Pasco, Florida 9 $ 1,617,000 $ 179,666 $ 84,000
Clayton, Georgia 9 $ 1,412,000 $ 156,888 $ 70,000
Henry, Georgia 9 $ 1,718,000 $ 190,888 $ 67,000
Worcester, Maryland 9 $ 1,445,000 $ 160,555 $ 109,000
Nassau, New York 9 $ 3,157,000 $ 350,777 $ 141,000
Brunswick, North Carolina 9 $ 1,564,000 $ 173,777 $ 59,000
Forsyth, North Carolina 9 $ 1,556,000 $ 172,888 $ 50,000
Monroe, Pennsylvania 9 $ 1,618,000 $ 179,777 $ 63,000
Washington, Pennsylvania 9 $ 1,947,000 $ 216,333 $ 73,000
Horry, South Carolina 9 $ 1,628,000 $ 180,888 $ 43,000
Hanover, Virginia 9 $ 1,894,000 $ 210,444 $ 76,000
Louisa, Virginia 9 $ 2,094,000 $ 232,666 $ 129,000
Sacramento, California 8 $ 1,945,000 $ 243,125 $ 63,000
Santa Rosa, Florida 8 $ 1,609,000 $ 201,125 $ 90,000
St. Lucie, Florida 8 $ 1,424,000 $ 178,000 $ 57,000
Barnstable, Massachusetts 8 $ 1,857,000 $ 232,125 $ 65,000
Hennepin, Minnesota 8 $ 1,313,000 $ 164,125 $ 93,000
Orange, New York 8 $ 1,614,000 $ 201,750 $ 117,000
Queens, New York 8 $ 2,596,000 $ 324,500 $ 94,000
Buncombe, North Carolina 8 $ 1,344,000 $ 168,000 $ 43,000
Union, North Carolina 8 $ 1,541,000 $ 192,625 $ 56,000
Adams, Pennsylvania 8 $ 1,426,000 $ 178,250 $ 52,000
Hampton, Virginia 8 $ 1,790,000 $ 223,750 $ 58,000
Fresno, California 7 $ 1,520,000 $ 217,142 $ 73,000
Okaloosa, Florida 7 $ 1,162,000 $ 166,000 $ 57,000
Osceola, Florida 7 $ 1,259,000 $ 179,857 $ 76,000
Will, Illinois 7 $ 896,000 $ 128,000 $ 69,000
Cabarrus, North Carolina 7 $ 1,223,000 $ 174,714 $ 52,000
Iredell, North Carolina 7 $ 1,552,000 $ 221,714 $ 76,000
Armstrong, Pennsylvania 7 $ 668,000 $ 95,428 $ 64,000
Pike, Pennsylvania 7 $ 1,433,000 $ 204,714 $ 72,000
Albemarle, Virginia 7 $ 2,444,000 $ 349,142 $ 78,000
Fauquier, Virginia 7 $ 2,105,000 $ 300,714 $ 88,000
Suffolk, Virginia 7 $ 1,970,000 $ 281,428 $ 67,000
Kern, California 6 $ 1,060,000 $ 176,666 $ 42,000
Stanislaus, California 6 $ 1,409,000 $ 234,833 $ 46,000
Windham, Connecticut 6 $ 1,100,000 $ 183,333 $ 59,000
Muscogee, Georgia 6 $ 920,000 $ 153,333 $ 59,000
Kane, Illinois 6 $ 815,000 $ 135,833 $ 58,000
Caroline, Maryland 6 $ 981,000 $ 163,500 $ 32,000
Hampshire, Massachusetts 6 $ 1,605,000 $ 267,500 $ 70,000
Salem, New Jersey 6 $ 896,000 $ 149,333 $ 81,000
Rockland, New York 6 $ 1,909,000 $ 318,166 $ 176,000
Beaufort, South Carolina 6 $ 1,479,000 $ 246,500 $ 99,000
Richland, South Carolina 6 $ 865,000 $ 144,166 $ 69,000
Williamson, Tennessee 6 $ 1,201,000 $ 200,166 $ 100,000
Culpeper, Virginia 6 $ 1,370,000 $ 228,333 $ 72,000
Orange, Virginia 6 $ 1,006,000 $ 167,666 $ 58,000
San Joaquin, California 5 $ 1,330,000 $ 266,000 $ 104,000
San Mateo, California 5 $ 1,650,000 $ 330,000 $ 67,000
Alachua, Florida 5 $ 1,014,000 $ 202,800 $ 76,000
Bay, Florida 5 $ 859,000 $ 171,800 $ 45,000
Citrus, Florida 5 $ 744,000 $ 148,800 $ 59,000
Leon, Florida 5 $ 825,000 $ 165,000 $ 80,000
Marion, Florida 5 $ 945,000 $ 189,000 $ 52,000
Martin, Florida 5 $ 1,135,000 $ 227,000 $ 75,000
Bibb, Georgia 5 $ 734,000 $ 146,800 $ 50,000
Columbia, Georgia 5 $ 882,000 $ 176,400 $ 36,000
Coweta, Georgia 5 $ 947,000 $ 189,400 $ 43,000
Paulding, Georgia 5 $ 967,000 $ 193,400 $ 60,000
Allegany, Maryland 5 $ 655,000 $ 131,000 $ 55,000
Erie, New York 5 $ 1,010,000 $ 202,000 $ 144,000
Alamance, North Carolina 5 $ 896,000 $ 179,200 $ 70,000
Chatham, North Carolina 5 $ 1,045,000 $ 209,000 $ 59,000
Cumberland, North Carolina 5 $ 1,036,000 $ 207,200 $ 44,000
Gaston, North Carolina 5 $ 693,000 $ 138,600 $ 78,000
Rowan, North Carolina 5 $ 856,000 $ 171,200 $ 32,000
Centre, Pennsylvania 5 $ 727,000 $ 145,400 $ 54,000
Hamilton, Tennessee 5 $ 837,000 $ 167,400 $ 74,000
Montgomery, Tennessee 5 $ 876,000 $ 175,200 $ 48,000
Manassas Park, Virginia 5 $ 1,046,000 $ 209,200 $ 73,000
Pittsylvania, Virginia 5 $ 1,005,000 $ 201,000 $ 74,000
Kent, Delaware 4 $ 898,000 $ 224,500 $ 52,000
Hernando, Florida 4 $ 596,000 $ 149,000 $ 33,000
Barrow, Georgia 4 $ 609,000 $ 152,250 $ 59,000
Bartow, Georgia 4 $ 724,000 $ 181,000 $ 54,000
Fayette, Georgia 4 $ 1,021,000 $ 255,250 $ 101,000
Rockdale, Georgia 4 $ 999,000 $ 249,750 $ 48,000
Wicomico, Maryland 4 $ 742,000 $ 185,500 $ 37,000
Hillsborough, New Hampshire 4 $ 882,000 $ 220,500 $ 49,000
Bronx, New York 4 $ 1,867,000 $ 466,750 $ 98,000
Kings, New York 4 $ 1,750,000 $ 437,500 $ 151,000
Rensselaer, New York 4 $ 625,000 $ 156,250 $ 77,000
Columbus, North Carolina 4 $ 826,000 $ 206,500 $ 18,000
Henderson, North Carolina 4 $ 858,000 $ 214,500 $ 47,000
New Hanover, North Carolina 4 $ 654,000 $ 163,500 $ 68,000
Onslow, North Carolina 4 $ 728,000 $ 182,000 $ 39,000
Carbon, Pennsylvania 4 $ 664,000 $ 166,000 $ 94,000
Huntingdon, Pennsylvania 4 $ 922,000 $ 230,500 $ 128,000
Lycoming, Pennsylvania 4 $ 752,000 $ 188,000 $ 106,000
Schuylkill, Pennsylvania 4 $ 535,000 $ 133,750 $ 65,000
Aiken, South Carolina 4 $ 591,000 $ 147,750 $ 29,000
Anderson, South Carolina 4 $ 726,000 $ 181,500 $ 63,000
Georgetown, South Carolina 4 $ 922,000 $ 230,500 $ 65,000
Pickens, South Carolina 4 $ 730,000 $ 182,500 $ 69,000
Spartanburg, South Carolina 4 $ 617,000 $ 154,250 $ 46,000
Blount, Tennessee 4 $ 695,000 $ 173,750 $ 32,000
Cheatham, Tennessee 4 $ 734,000 $ 183,500 $ 59,000
Knox, Tennessee 4 $ 618,000 $ 154,500 $ 83,000
Maury, Tennessee 4 $ 771,000 $ 192,750 $ 51,000
Sumner, Tennessee 4 $ 949,000 $ 237,250 $ 55,000
Fort Bend, Texas 4 $ 509,000 $ 127,250 $ 98,000
Caroline, Virginia 4 $ 739,000 $ 184,750 $ 26,000
Isle of Wight, Virginia 4 $ 1,075,000 $ 268,750 $ 29,000
King George, Virginia 4 $ 912,000 $ 228,000 $ 66,000
Montgomery, Virginia 4 $ 782,000 $ 195,500 $ 66,000
Roanoke, Virginia 4 $ 675,000 $ 168,750 $ 85,000
Rockingham, Virginia 4 $ 670,000 $ 167,500 $ 111,000
Warren, Virginia 4 $ 1,121,000 $ 280,250 $ 104,000
York, Virginia 4 $ 809,000 $ 202,250 $ 64,000
Escambia, Alabama 3 $ 347,000 $ 115,666 $ 40,000
Contra Costa, California 3 $ 1,211,000 $ 403,666 $ 83,000
San Francisco, California 3 $ 1,045,000 $ 348,333 $ 52,000
Santa Barbara, California 3 $ 923,000 $ 307,666 $ 72,000
Santa Clara, California 3 $ 904,000 $ 301,333 $ 97,000
Tulare, California 3 $ 432,000 $ 144,000 $ 50,000
Manatee, Florida 3 $ 876,000 $ 292,000 $ 85,000
Sarasota, Florida 3 $ 687,000 $ 229,000 $ 108,000
St. Johns, Florida 3 $ 733,000 $ 244,333 $ 41,000
Clarke, Georgia 3 $ 497,000 $ 165,666 $ 38,000
Douglas, Georgia 3 $ 467,000 $ 155,666 $ 44,000
Houston, Georgia 3 $ 572,000 $ 190,666 $ 46,000
Lee, Georgia 3 $ 473,000 $ 157,666 $ 63,000
Newton, Georgia 3 $ 572,000 $ 190,666 $ 26,000
Lake, Illinois 3 $ 523,000 $ 174,333 $ 82,000
McLean, Illinois 3 $ 447,000 $ 149,000 $ 101,000
Talbot, Maryland 3 $ 1,200,000 $ 400,000 $ 85,000
Albany, New York 3 $ 544,000 $ 181,333 $ 63,000
Dutchess, New York 3 $ 733,000 $ 244,333 $ 86,000
Onondaga, New York 3 $ 456,000 $ 152,000 $ 96,000
Saratoga, New York 3 $ 522,000 $ 174,000 $ 93,000
Westchester, New York 3 $ 1,030,000 $ 343,333 $ 179,000
Carteret, North Carolina 3 $ 454,000 $ 151,333 $ 81,000
Craven, North Carolina 3 $ 390,000 $ 130,000 $ 92,000
Franklin, North Carolina 3 $ 440,000 $ 146,666 $ 66,000
Orange, North Carolina 3 $ 555,000 $ 185,000 $ 108,000
Pasquotank, North Carolina 3 $ 572,000 $ 190,666 $ 71,000
Franklin, Ohio 3 $ 435,000 $ 145,000 $ 91,000
Bradford, Pennsylvania 3 $ 479,000 $ 159,666 $ 75,000
Crawford, Pennsylvania 3 $ 621,000 $ 207,000 $ 99,000
Fayette, Pennsylvania 3 $ 261,000 $ 87,000 $ 8,000
Fulton, Pennsylvania 3 $ 469,000 $ 156,333 $ 70,000
Perry, Pennsylvania 3 $ 559,000 $ 186,333 $ 38,000
Dorchester, South Carolina 3 $ 508,000 $ 169,333 $ 103,000
Florence, South Carolina 3 $ 509,000 $ 169,666 $ 83,000
Lancaster, South Carolina 3 $ 493,000 $ 164,333 $ 56,000
Laurens, South Carolina 3 $ 482,000 $ 160,666 $ 33,000
Orangeburg, South Carolina 3 $ 551,000 $ 183,666 $ 96,000
Sumter, South Carolina 3 $ 482,000 $ 160,666 $ 27,000
Robertson, Tennessee 3 $ 584,000 $ 194,666 $ 75,000
Denton, Texas 3 $ 884,000 $ 294,666 $ 47,000
Augusta, Virginia 3 $ 557,000 $ 185,666 $ 79,000
Dinwiddie, Virginia 3 $ 811,000 $ 270,333 $ 0
Fairfax City, Virginia 3 $ 1,069,000 $ 356,333 $ 90,000
Falls Church, Virginia 3 $ 1,050,000 $ 350,000 $ 98,000
Greene, Virginia 3 $ 564,000 $ 188,000 $ 67,000
James City, Virginia 3 $ 588,000 $ 196,000 $ 52,000
Staunton, Virginia 3 $ 522,000 $ 174,000 $ 47,000
Conecuh, Alabama 2 $ 215,000 $ 107,500 $ 51,000
Madison, Alabama 2 $ 290,000 $ 145,000 $ 51,000
Russell, Alabama 2 $ 458,000 $ 229,000 $ 83,000
Solano, California 2 $ 596,000 $ 298,000 $ 68,000
Ventura, California 2 $ 832,000 $ 416,000 $ 216,000
Yolo, California 2 $ 430,000 $ 215,000 $ 40,000
Charlotte, Florida 2 $ 441,000 $ 220,500 $ 65,000
Nassau, Florida 2 $ 386,000 $ 193,000 $ 18,000
Putnam, Florida 2 $ 306,000 $ 153,000 $ 52,000
Appling, Georgia 2 $ 397,000 $ 198,500 $ 92,000
Bulloch, Georgia 2 $ 319,000 $ 159,500 $ 95,000
Catoosa, Georgia 2 $ 270,000 $ 135,000 $ 59,000
Coffee, Georgia 2 $ 297,000 $ 148,500 $ 71,000
Colquitt, Georgia 2 $ 424,000 $ 212,000 $ 0
Glynn, Georgia 2 $ 326,000 $ 163,000 $ 47,000
Gordon, Georgia 2 $ 325,000 $ 162,500 $ 37,000
Hall, Georgia 2 $ 380,000 $ 190,000 $ 96,000
Liberty, Georgia 2 $ 195,000 $ 97,500 $ 86,000
Oconee, Georgia 2 $ 459,000 $ 229,500 $ 77,000
Peach, Georgia 2 $ 297,000 $ 148,500 $ 53,000
Stephens, Georgia 2 $ 320,000 $ 160,000 $ 57,000
Tift, Georgia 2 $ 426,000 $ 213,000 $ 67,000
Walton, Georgia 2 $ 368,000 $ 184,000 $ 62,000
DuPage, Illinois 2 $ 727,000 $ 363,500 $ 169,000
Kendall, Illinois 2 $ 442,000 $ 221,000 $ 88,000
McHenry, Illinois 2 $ 310,000 $ 155,000 $ 71,000
Fayette, Kentucky 2 $ 367,000 $ 183,500 $ 47,000
Kenton, Kentucky 2 $ 299,000 $ 149,500 $ 65,000
Shelby, Kentucky 2 $ 372,000 $ 186,000 $ 32,000
Garrett, Maryland 2 $ 485,000 $ 242,500 $ 95,000
Somerset, Maryland 2 $ 264,000 $ 132,000 $ 71,000
Anoka, Minnesota 2 $ 289,000 $ 144,500 $ 66,000
Dakota, Minnesota 2 $ 584,000 $ 292,000 $ 92,000
Scott, Minnesota 2 $ 417,000 $ 208,500 $ 75,000
Washington, Minnesota 2 $ 402,000 $ 201,000 $ 77,000
Greene, New York 2 $ 343,000 $ 171,500 $ 77,000
Monroe, New York 2 $ 400,000 $ 200,000 $ 135,000
New York, New York 2 $ 936,000 $ 468,000 $ 102,000
Sullivan, New York 2 $ 388,000 $ 194,000 $ 130,000
Moore, North Carolina 2 $ 445,000 $ 222,500 $ 72,000
Person, North Carolina 2 $ 425,000 $ 212,500 $ 40,000
Randolph, North Carolina 2 $ 330,000 $ 165,000 $ 42,000
Robeson, North Carolina 2 $ 351,000 $ 175,500 $ 0
Stokes, North Carolina 2 $ 303,000 $ 151,500 $ 59,000
Wayne, North Carolina 2 $ 272,000 $ 136,000 $ 66,000
Athens, Ohio 2 $ 405,000 $ 202,500 $ 0
Cuyahoga, Ohio 2 $ 191,000 $ 95,500 $ 42,000
Lake, Ohio 2 $ 398,000 $ 199,000 $ 66,000
Licking, Ohio 2 $ 300,000 $ 150,000 $ 87,000
Blair, Pennsylvania 2 $ 284,000 $ 142,000 $ 72,000
Elk, Pennsylvania 2 $ 237,000 $ 118,500 $ 55,000
Erie, Pennsylvania 2 $ 354,000 $ 177,000 $ 67,000
Jefferson, Pennsylvania 2 $ 165,000 $ 82,500 $ 48,000
Northumberland, Pennsylvania 2 $ 329,000 $ 164,500 $ 27,000
Susquehanna, Pennsylvania 2 $ 429,000 $ 214,500 $ 37,000
Union, Pennsylvania 2 $ 413,000 $ 206,500 $ 83,000
Wayne, Pennsylvania 2 $ 324,000 $ 162,000 $ 64,000
Wyoming, Pennsylvania 2 $ 229,000 $ 114,500 $ 69,000
Marion, South Carolina 2 $ 314,000 $ 157,000 $ 57,000
Oconee, South Carolina 2 $ 347,000 $ 173,500 $ 59,000
Williamsburg, South Carolina 2 $ 295,000 $ 147,500 $ 54,000
Bradley, Tennessee 2 $ 349,000 $ 174,500 $ 38,000
Coffee, Tennessee 2 $ 327,000 $ 163,500 $ 58,000
Fayette, Tennessee 2 $ 447,000 $ 223,500 $ 152,000
Loudon, Tennessee 2 $ 470,000 $ 235,000 $ 154,000
McMinn, Tennessee 2 $ 404,000 $ 202,000 $ 41,000
Sullivan, Tennessee 2 $ 324,000 $ 162,000 $ 93,000
Tipton, Tennessee 2 $ 412,000 $ 206,000 $ 32,000
Wilson, Tennessee 2 $ 370,000 $ 185,000 $ 39,000
Bexar, Texas 2 $ 416,000 $ 208,000 $ 91,000
Jefferson, Texas 2 $ 352,000 $ 176,000 $ 94,000
Tarrant, Texas 2 $ 314,000 $ 157,000 $ 28,000
Amherst, Virginia 2 $ 325,000 $ 162,500 $ 30,000
Appomattox, Virginia 2 $ 444,000 $ 222,000 $ 117,000
Campbell, Virginia 2 $ 202,000 $ 101,000 $ 40,000
Franklin, Virginia 2 $ 512,000 $ 256,000 $ 131,000
Fredericksburg, Virginia 2 $ 644,000 $ 322,000 $ 100,000
Madison, Virginia 2 $ 334,000 $ 167,000 $ 70,000
New Kent, Virginia 2 $ 422,000 $ 211,000 $ 55,000
Powhatan, Virginia 2 $ 487,000 $ 243,500 $ 70,000
Roanoke City, Virginia 2 $ 375,000 $ 187,500 $ 39,000
Shenandoah, Virginia 2 $ 360,000 $ 180,000 $ 53,000
Tazewell, Virginia 2 $ 266,000 $ 133,000 $ 66,000
Jefferson, West Virginia 2 $ 544,000 $ 272,000 $ 73,000
Jefferson, Alabama 1 $ 156,000 $ 156,000 $ 131,000
Morgan, Alabama 1 $ 317,000 $ 317,000 $ 0
Shelby, Alabama 1 $ 166,000 $ 166,000 $ 82,000
Tuscaloosa, Alabama 1 $ 166,000 $ 166,000 $ 80,000
Kings, California 1 $ 216,000 $ 216,000 $ 0
Madera, California 1 $ 312,000 $ 312,000 $ 0
Marin, California 1 $ 233,000 $ 233,000 $ 84,000
Merced, California 1 $ 178,000 $ 178,000 $ 65,000
Napa, California 1 $ 376,000 $ 376,000 $ 84,000
Placer, California 1 $ 240,000 $ 240,000 $ 50,000
San Luis Obispo, California 1 $ 409,000 $ 409,000 $ 109,000
Shasta, California 1 $ 226,000 $ 226,000 $ 59,000
Sonoma, California 1 $ 403,000 $ 403,000 $ 204,000
Sutter, California 1 $ 158,000 $ 158,000 $ 37,000
Tuolumne, California 1 $ 398,000 $ 398,000 $ 145,000
Columbia, Florida 1 $ 192,000 $ 192,000 $ 66,000
Flagler, Florida 1 $ 133,000 $ 133,000 $ 43,000
Gulf, Florida 1 $ 272,000 $ 272,000 $ 97,000
Highlands, Florida 1 $ 160,000 $ 160,000 $ 76,000
Indian River, Florida 1 $ 179,000 $ 179,000 $ 92,000
Jackson, Florida 1 $ 209,000 $ 209,000 $ 83,000
Monroe, Florida 1 $ 283,000 $ 283,000 $ 106,000
Taylor, Florida 1 $ 250,000 $ 250,000 $ 149,000
Bryan, Georgia 1 $ 202,000 $ 202,000 $ 0
Burke, Georgia 1 $ 194,000 $ 194,000 $ 106,000
Camden, Georgia 1 $ 148,000 $ 148,000 $ 0
Chattooga, Georgia 1 $ 174,000 $ 174,000 $ 0
Dade, Georgia 1 $ 206,000 $ 206,000 $ 90,000
Emanuel, Georgia 1 $ 186,000 $ 186,000 $ 65,000
Habersham, Georgia 1 $ 242,000 $ 242,000 $ 0
Harris, Georgia 1 $ 198,000 $ 198,000 $ 48,000
Heard, Georgia 1 $ 237,000 $ 237,000 $ 53,000
Jones, Georgia 1 $ 141,000 $ 141,000 $ 0
Laurens, Georgia 1 $ 150,000 $ 150,000 $ 47,000
Long, Georgia 1 $ 171,000 $ 171,000 $ 68,000
Lowndes, Georgia 1 $ 196,000 $ 196,000 $ 105,000
Madison, Georgia 1 $ 166,000 $ 166,000 $ 57,000
Richmond, Georgia 1 $ 53,000 $ 53,000 $ 0
Terrell, Georgia 1 $ 128,000 $ 128,000 $ 43,000
Toombs, Georgia 1 $ 150,000 $ 150,000 $ 62,000
Union, Georgia 1 $ 156,000 $ 156,000 $ 0
Walker, Georgia 1 $ 138,000 $ 138,000 $ 60,000
White, Georgia 1 $ 207,000 $ 207,000 $ 0
Adams, Illinois 1 $ 75,000 $ 75,000 $ 30,000
Carroll, Illinois 1 $ 169,000 $ 169,000 $ 87,000
Champaign, Illinois 1 $ 100,000 $ 100,000 $ 100,000
Grundy, Illinois 1 $ 143,000 $ 143,000 $ 38,000
Jersey, Illinois 1 $ 151,000 $ 151,000 $ 94,000
Madison, Illinois 1 $ 141,000 $ 141,000 $ 0
Monroe, Illinois 1 $ 118,000 $ 118,000 $ 48,000
Winnebago, Illinois 1 $ 197,000 $ 197,000 $ 45,000
Fulton, Indiana 1 $ 233,000 $ 233,000 $ 169,000
Hamilton, Indiana 1 $ 227,000 $ 227,000 $ 109,000
Shelby, Indiana 1 $ 176,000 $ 176,000 $ 110,000
Graves, Kentucky 1 $ 138,000 $ 138,000 $ 71,000
Jefferson, Kentucky 1 $ 149,000 $ 149,000 $ 102,000
Madison, Kentucky 1 $ 167,000 $ 167,000 $ 76,000
Simpson, Kentucky 1 $ 144,000 $ 144,000 $ 68,000
Trigg, Kentucky 1 $ 150,000 $ 150,000 $ 50,000
Warren, Kentucky 1 $ 132,000 $ 132,000 $ 0
Dukes, Massachusetts 1 $ 201,000 $ 201,000 $ 46,000
Crow Wing, Minnesota 1 $ 357,000 $ 357,000 $ 245,000
Lake, Minnesota 1 $ 162,000 $ 162,000 $ 101,000
Ramsey, Minnesota 1 $ 173,000 $ 173,000 $ 67,000
Sherburne, Minnesota 1 $ 235,000 $ 235,000 $ 53,000
St. Louis, Minnesota 1 $ 111,000 $ 111,000 $ 27,000
Stearns, Minnesota 1 $ 140,000 $ 140,000 $ 190,000
Wright, Minnesota 1 $ 144,000 $ 144,000 $ 80,000
Carroll, New Hampshire 1 $ 146,000 $ 146,000 $ 65,000
Cheshire, New Hampshire 1 $ 404,000 $ 404,000 $ 143,000
Rockingham, New Hampshire 1 $ 380,000 $ 380,000 $ 143,000
Broome, New York 1 $ 98,000 $ 98,000 $ 42,000
Clinton, New York 1 $ 154,000 $ 154,000 $ 106,000
Oneida, New York 1 $ 166,000 $ 166,000 $ 98,000
Ontario, New York 1 $ 166,000 $ 166,000 $ 41,000
Oswego, New York 1 $ 180,000 $ 180,000 $ 106,000
Putnam, New York 1 $ 272,000 $ 272,000 $ 138,000
Richmond, New York 1 $ 363,000 $ 363,000 $ 125,000
Schenectady, New York 1 $ 171,000 $ 171,000 $ 49,000
Schoharie, New York 1 $ 192,000 $ 192,000 $ 64,000
St. Lawrence, New York 1 $ 135,000 $ 135,000 $ 78,000
Washington, New York 1 $ 142,000 $ 142,000 $ 36,000
Caldwell, North Carolina 1 $ 120,000 $ 120,000 $ 31,000
Camden, North Carolina 1 $ 237,000 $ 237,000 $ 0
Caswell, North Carolina 1 $ 162,000 $ 162,000 $ 48,000
Cherokee, North Carolina 1 $ 187,000 $ 187,000 $ 52,000
Cleveland, North Carolina 1 $ 151,000 $ 151,000 $ 36,000
Currituck, North Carolina 1 $ 222,000 $ 222,000 $ 73,000
Dare, North Carolina 1 $ 216,000 $ 216,000 $ 73,000
Davidson, North Carolina 1 $ 240,000 $ 240,000 $ 0
Granville, North Carolina 1 $ 144,000 $ 144,000 $ 41,000
Halifax, North Carolina 1 $ 182,000 $ 182,000 $ 61,000
Harnett, North Carolina 1 $ 182,000 $ 182,000 $ 42,000
Haywood, North Carolina 1 $ 164,000 $ 164,000 $ 52,000
Hoke, North Carolina 1 $ 199,000 $ 199,000 $ 92,000
Lee, North Carolina 1 $ 182,000 $ 182,000 $ 101,000
Lenoir, North Carolina 1 $ 199,000 $ 199,000 $ 0
Madison, North Carolina 1 $ 234,000 $ 234,000 $ 88,000
Pender, North Carolina 1 $ 356,000 $ 356,000 $ 76,000
Perquimans, North Carolina 1 $ 135,000 $ 135,000 $ 45,000
Pitt, North Carolina 1 $ 149,000 $ 149,000 $ 114,000
Richmond, North Carolina 1 $ 197,000 $ 197,000 $ 100,000
Stanly, North Carolina 1 $ 224,000 $ 224,000 $ 120,000
Surry, North Carolina 1 $ 162,000 $ 162,000 $ 59,000
Warren, North Carolina 1 $ 161,000 $ 161,000 $ 51,000
Wilson, North Carolina 1 $ 157,000 $ 157,000 $ 107,000
Yadkin, North Carolina 1 $ 172,000 $ 172,000 $ 61,000
Clark, Ohio 1 $ 138,000 $ 138,000 $ 0
Hamilton, Ohio 1 $ 146,000 $ 146,000 $ 45,000
Lucas, Ohio 1 $ 211,000 $ 211,000 $ 101,000
Montgomery, Ohio 1 $ 164,000 $ 164,000 $ 83,000
Stark, Ohio 1 $ 189,000 $ 189,000 $ 76,000
Trumbull, Ohio 1 $ 105,000 $ 105,000 $ 87,000
Warren, Ohio 1 $ 141,000 $ 141,000 $ 29,000
Bedford, Pennsylvania 1 $ 153,000 $ 153,000 $ 64,000
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Mortgage Loan Application Detail Totals for NFM, Inc in 2012

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 5,522 $1,276,416,000 $231,000 $990,000 $81,000 $1,680,000
Home Purchase 1,248 $255,932,000 $205,000 $900,000 $82,000 $1,038,000
Home Improvement 0 $0 $0 $0 $0 $0

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 4,513 $1,019,579,000 $225,000 $990,000 $83,000 $1,680,000
Black or African American 766 $166,365,000 $217,000 $737,000 $68,000 $326,000
Not Provided 765 $174,370,000 $227,000 $856,000 $80,000 $1,038,000
Hispanic 434 $90,874,000 $209,000 $702,000 $69,000 $330,000
Asian 254 $71,122,000 $280,000 $819,000 $96,000 $350,000
Native Hawaiian or Other Pacific Islander 25 $7,006,000 $280,000 $737,000 $101,000 $246,000
American Indian or Alaskan Native 13 $3,032,000 $233,000 $400,000 $63,000 $141,000
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
FHA-insured (Federal Housing Administration) 4,556 $985,735,000 $216,000 $743,000 $71,000 $598,000
Conventional (any loan other than FHA, VA, FSA, or RHS loans) 1,742 $421,185,000 $241,000 $990,000 $114,000 $1,680,000
VA-guaranteed (Veterans Administration) 363 $106,445,000 $293,000 $909,000 $54,000 $301,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 109 $18,983,000 $174,000 $355,000 $50,000 $94,000

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 4,154 $946,261,000 $227,000 $956,000 $85,000 $1,038,000
File Closed For Incompleteness 1,293 $295,537,000 $228,000 $990,000 $72,000 $1,680,000
Application Withdrawn By Applicant 703 $158,306,000 $225,000 $900,000 $81,000 $578,000
Application Denied By Financial Institution 536 $112,821,000 $210,000 $737,000 $71,000 $425,000
Application Approved But Not Accepted 84 $19,423,000 $231,000 $689,000 $88,000 $384,000
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 25 $5,035,000 $201,000 $402,000 $57,000 $125,000
Debt-To-Income Ratio 18 $3,849,000 $213,000 $520,000 $55,000 $121,000
Collateral 15 $2,761,000 $184,000 $427,000 $79,000 $215,000
Other 7 $1,500,000 $214,000 $406,000 $36,000 $61,000
Unverifiable Information 2 $702,000 $351,000 $520,000 $46,000 $92,000
Employment History 2 $371,000 $185,000 $189,000 $53,000 $59,000
Insufficient Cash (Downpayment, Closing Cost) 0 $0 $0 $0 $0 $0
Mortgage Insurance Denied 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 2012 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.
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