NFM, Inc Mortgage Lending & HMDA Data, 2005
In 2005, NFM, Inc of Linthicum, MD reported 857 mortgage applications totaling $151.0 million, down 29% from 2004. The average application was for $176,246, and applicants reported an average income of $75,000. 95% of its applications resulted in an originated loan and 0% were denied. Its largest markets were Baltimore-Towson, MD (209), Atlanta-Sandy Springs-Marietta, GA (35) and Philadelphia, PA (34) (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 | 857 |
| Total Mortgage Loan Application Amount | $151,043,000 |
| Average Mortgage Loan Application Amount | $176,246 |
| Highest Mortgage Loan Application Amount | $768,000 |
| Average Applicant Income | $75,000 |
| 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Disclosure Act (HMDA) records NFM, Inc filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Baltimore-Towson, MD | 209 | $ 37,065,000 | $ 177,344 | $ 80,000 |
| Atlanta-Sandy Springs-Marietta, GA | 35 | $ 4,677,000 | $ 133,628 | $ 75,000 |
| Philadelphia, PA | 34 | $ 5,217,000 | $ 153,441 | $ 78,000 |
| Bethesda-Frederick-Gaithersburg, MD | 29 | $ 5,439,000 | $ 187,551 | $ 86,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 25 | $ 4,859,000 | $ 194,360 | $ 93,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 22 | $ 3,241,000 | $ 147,318 | $ 50,000 |
| Camden, NJ | 21 | $ 3,519,000 | $ 167,571 | $ 74,000 |
| Orlando, FL | 18 | $ 3,113,000 | $ 172,944 | $ 103,000 |
| Jacksonville, FL | 14 | $ 1,562,000 | $ 111,571 | $ 50,000 |
| Tampa-St. Petersburg-Clearwater, FL | 14 | $ 2,021,000 | $ 144,357 | $ 66,000 |
| Hartford-West Hartford-East Hartford, CT | 13 | $ 1,988,000 | $ 152,923 | $ 66,000 |
| York-Hanover, PA | 13 | $ 1,618,000 | $ 124,461 | $ 62,000 |
| Richmond, VA | 11 | $ 1,402,000 | $ 127,454 | $ 62,000 |
| Edison, NJ | 8 | $ 1,586,000 | $ 198,250 | $ 69,000 |
| Chicago-Naperville-Joliet, IL | 7 | $ 969,000 | $ 138,428 | $ 58,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 7 | $ 1,424,000 | $ 203,428 | $ 87,000 |
| Miami-Miami Beach-Kendall, FL | 7 | $ 895,000 | $ 127,857 | $ 50,000 |
| New Haven-Milford, CT | 7 | $ 1,432,000 | $ 204,571 | $ 60,000 |
| Wilmington, DE-MD-NJ | 7 | $ 967,000 | $ 138,142 | $ 67,000 |
| Lakeland, FL | 6 | $ 687,000 | $ 114,500 | $ 53,000 |
| Pittsburgh, PA | 6 | $ 941,000 | $ 156,833 | $ 63,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 5 | $ 894,000 | $ 178,800 | $ 65,000 |
| Bridgeport-Stamford-Norwalk, CT | 5 | $ 1,096,000 | $ 219,200 | $ 73,000 |
| Cape Coral-Fort Myers, FL | 5 | $ 801,000 | $ 160,200 | $ 47,000 |
| Charlottesville, VA | 5 | $ 536,000 | $ 107,200 | $ 33,000 |
| Lancaster, PA | 5 | $ 642,000 | $ 128,400 | $ 45,000 |
| Pensacola-Ferry Pass-Brent, FL | 5 | $ 728,000 | $ 145,600 | $ 54,000 |
| Salisbury, MD | 5 | $ 636,000 | $ 127,200 | $ 75,000 |
| Savannah, GA | 5 | $ 830,000 | $ 166,000 | $ 94,000 |
| Harrisburg-Carlisle, PA | 4 | $ 398,000 | $ 99,500 | $ 54,000 |
| Riverside-San Bernardino-Ontario, CA | 4 | $ 811,000 | $ 202,750 | $ 87,000 |
| St. Louis, MO-IL | 4 | $ 658,000 | $ 164,500 | $ 47,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 4 | $ 868,000 | $ 217,000 | $ 55,000 |
| Bangor, ME | 3 | $ 232,000 | $ 77,333 | $ 29,000 |
| Clarksville, TN-KY | 3 | $ 497,000 | $ 165,666 | $ 73,000 |
| Detroit-Livonia-Dearborn, MI | 3 | $ 389,000 | $ 129,666 | $ 52,000 |
| Gary, IN | 3 | $ 414,000 | $ 138,000 | $ 49,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 3 | $ 587,000 | $ 195,666 | $ 69,000 |
| Nashville-Davidson--Murfreesboro, TN | 3 | $ 297,000 | $ 99,000 | $ 45,000 |
| Newark-Union, NJ-PA | 3 | $ 701,000 | $ 233,666 | $ 76,000 |
| Norwich-New London, CT | 3 | $ 554,000 | $ 184,666 | $ 153,000 |
| Port St. Lucie-Fort Pierce, FL | 3 | $ 348,000 | $ 116,000 | $ 67,000 |
| Reading, PA | 3 | $ 339,000 | $ 113,000 | $ 56,000 |
| Springfield, MA | 3 | $ 526,000 | $ 175,333 | $ 53,000 |
| Atlantic City, NJ | 2 | $ 595,000 | $ 297,500 | $ 102,000 |
| Boise City-Nampa, ID | 2 | $ 307,000 | $ 153,500 | $ 50,000 |
| Boston-Quincy, MA | 2 | $ 337,000 | $ 168,500 | $ 80,000 |
| Casper, WY | 2 | $ 122,000 | $ 61,000 | $ 80,000 |
| Dover, DE | 2 | $ 399,000 | $ 199,500 | $ 45,000 |
| Flint, MI | 2 | $ 447,000 | $ 223,500 | $ 105,000 |
| Gainesville, GA | 2 | $ 329,000 | $ 164,500 | $ 63,000 |
| Hagerstown-Martinsburg, MD-WV | 2 | $ 280,000 | $ 140,000 | $ 41,000 |
| Jackson, MI | 2 | $ 348,000 | $ 174,000 | $ 81,000 |
| Johnstown, PA | 2 | $ 184,000 | $ 92,000 | $ 41,000 |
| Knoxville, TN | 2 | $ 185,000 | $ 92,500 | $ 61,000 |
| Palm Bay-Melbourne-Titusville, FL | 2 | $ 348,000 | $ 174,000 | $ 76,000 |
| Sarasota-Bradenton-Venice, FL | 2 | $ 354,000 | $ 177,000 | $ 96,000 |
| Trenton-Ewing, NJ | 2 | $ 308,000 | $ 154,000 | $ 67,000 |
| Vineland-Millville-Bridgeton, NJ | 2 | $ 321,000 | $ 160,500 | $ 76,000 |
| Worcester, MA | 2 | $ 351,000 | $ 175,500 | $ 50,000 |
| Bakersfield, CA | 1 | $ 136,000 | $ 136,000 | $ 53,000 |
| Bay City, MI | 1 | $ 133,000 | $ 133,000 | $ 59,000 |
| Bloomington, IN | 1 | $ 100,000 | $ 100,000 | $ 29,000 |
| Brunswick, GA | 1 | $ 114,000 | $ 114,000 | $ 44,000 |
| Charleston-North Charleston, SC | 1 | $ 180,000 | $ 180,000 | $ 79,000 |
| Chico, CA | 1 | $ 290,000 | $ 290,000 | $ 78,000 |
| Coeur D'Alene, ID | 1 | $ 124,000 | $ 124,000 | $ 40,000 |
| Columbia, MO | 1 | $ 164,000 | $ 164,000 | $ 80,000 |
| Columbia, SC | 1 | $ 230,000 | $ 230,000 | $ 83,000 |
| Cumberland, MD-WV | 1 | $ 84,000 | $ 84,000 | $ 42,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 217,000 | $ 217,000 | $ 99,000 |
| Erie, PA | 1 | $ 138,000 | $ 138,000 | $ 39,000 |
| Essex County, MA | 1 | $ 100,000 | $ 100,000 | $ 264,000 |
| Fort Walton Beach-Crestview-Destin, FL | 1 | $ 302,000 | $ 302,000 | $ 82,000 |
| Fresno, CA | 1 | $ 340,000 | $ 340,000 | $ 97,000 |
| Indianapolis, IN | 1 | $ 147,000 | $ 147,000 | $ 68,000 |
| Kansas City, MO-KS | 1 | $ 119,000 | $ 119,000 | $ 31,000 |
| Lansing-East Lansing, MI | 1 | $ 152,000 | $ 152,000 | $ 53,000 |
| Lynchburg, VA | 1 | $ 171,000 | $ 171,000 | $ 62,000 |
| Macon, GA | 1 | $ 120,000 | $ 120,000 | $ 65,000 |
| Memphis, TN-MS-AR | 1 | $ 146,000 | $ 146,000 | $ 70,000 |
| Naples-Marco Island, FL | 1 | $ 260,000 | $ 260,000 | $ 74,000 |
| Oakland-Fremont-Hayward, CA | 1 | $ 360,000 | $ 360,000 | $ 117,000 |
| Ocala, FL | 1 | $ 140,000 | $ 140,000 | $ 59,000 |
| Ocean City, NJ | 1 | $ 270,000 | $ 270,000 | $ 50,000 |
| Panama City-Lynn Haven, FL | 1 | $ 149,000 | $ 149,000 | $ 54,000 |
| Portland-Vancouver-Beaverton, OR-WA | 1 | $ 172,000 | $ 172,000 | $ 69,000 |
| Roanoke, VA | 1 | $ 107,000 | $ 107,000 | $ 18,000 |
| Rockford, IL | 1 | $ 124,000 | $ 124,000 | $ 45,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 1 | $ 186,000 | $ 186,000 | $ 35,000 |
| Salem, OR | 1 | $ 111,000 | $ 111,000 | $ 39,000 |
| San Diego-Carlsbad-San Marcos, CA | 1 | $ 360,000 | $ 360,000 | $ 70,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 1 | $ 645,000 | $ 645,000 | $ 119,000 |
| Santa Ana-Anaheim-Irvine, CA | 1 | $ 175,000 | $ 175,000 | $ 60,000 |
| Scranton--Wilkes-Barre, PA | 1 | $ 170,000 | $ 170,000 | $ 54,000 |
| Springfield, MO | 1 | $ 102,000 | $ 102,000 | $ 52,000 |
| Stockton, CA | 1 | $ 440,000 | $ 440,000 | $ 114,000 |
| Tallahassee, FL | 1 | $ 270,000 | $ 270,000 | $ 106,000 |
| Vallejo-Fairfield, CA | 1 | $ 361,000 | $ 361,000 | $ 100,000 |
| Vero Beach, FL | 1 | $ 106,000 | $ 106,000 | $ 110,000 |
| Warren-Farmington Hills-Troy, MI | 1 | $ 258,000 | $ 258,000 | $ 102,000 |
Mortgage Loan Application Detail Totals for NFM, Inc in 2005
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 | 727 | $129,897,000 | $158,826 | $768,000 | $67,739 | $424,000 |
| Home Purchase | 113 | $18,177,000 | $143,666 | $654,000 | $81,083 | $354,000 |
| Home Improvement | 17 | $2,969,000 | $162,000 | $301,000 | $59,000 | $142,000 |
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 | 484 | $84,626,000 | $158,727 | $768,000 | $70,136 | $424,000 |
| Black or African American | 249 | $44,525,000 | $161,400 | $654,000 | $61,266 | $240,000 |
| Not Provided | 57 | $10,580,000 | $193,666 | $690,000 | $69,666 | $200,000 |
| Hispanic | 43 | $6,586,000 | $155,272 | $475,000 | $53,454 | $420,000 |
| Asian | 20 | $3,984,000 | $201,333 | $488,000 | $73,000 | $180,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $586,000 | $195,333 | $265,000 | $121,000 | $205,000 |
| American Indian or Alaskan Native | 1 | $156,000 | $156,000 | $156,000 | $58,000 | $58,000 |
| 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 |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 850 | $150,096,000 | $156,043 | $768,000 | $66,565 | $424,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 5 | $669,000 | $143,000 | $278,000 | $67,250 | $115,000 |
| FHA-insured (Federal Housing Administration) | 2 | $278,000 | $139,000 | $150,000 | $56,000 | $67,000 |
| 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 | 814 | $143,798,000 | $152,434 | $768,000 | $67,086 | $424,000 |
| Application Withdrawn By Applicant | 38 | $6,383,000 | $168,142 | $380,000 | $56,214 | $200,000 |
| Application Approved But Not Accepted | 4 | $501,000 | $129,000 | $211,000 | $49,666 | $79,000 |
| File Closed For Incompleteness | 1 | $361,000 | $361,000 | $361,000 | $83,000 | $83,000 |
| Application Denied By Financial Institution | 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 |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into NFM, Inc's 2005 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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