NFM, Inc Mortgage Lending & HMDA Data, 2014
In 2014, NFM, Inc of Linthicum, MD reported 3,384 mortgage applications totaling $793.0 million, down 35% from 2013. The average application was for $234,328, and applicants reported an average income of $91,354. 72% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Washington-Arlington-Alexandria, DC-VA-MD-WV (825), Baltimore-Columbia-Towson, MD (603) and Tampa-St. Petersburg-Clearwater, FL (358) (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 | 3,384 |
| Total Mortgage Loan Application Amount | $792,968,000 |
| Average Mortgage Loan Application Amount | $234,328 |
| Highest Mortgage Loan Application Amount | $1,600,000 |
| Average Applicant Income | $91,354 |
| Highest Applicant Income | $3,887,000 |
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Disclosure Act (HMDA) records NFM, Inc filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 825 | $ 226,794,000 | $ 274,901 | $ 93,917 |
| Baltimore-Columbia-Towson, MD | 603 | $ 146,649,000 | $ 243,199 | $ 89,000 |
| Tampa-St. Petersburg-Clearwater, FL | 358 | $ 74,704,000 | $ 208,670 | $ 101,000 |
| Silver Spring-Frederick-Rockville, MD | 239 | $ 67,509,000 | $ 282,464 | $ 93,000 |
| Camden, NJ | 97 | $ 17,396,000 | $ 179,340 | $ 86,000 |
| Montgomery County-Bucks County-Chester County, PA | 76 | $ 20,216,000 | $ 266,000 | $ 106,000 |
| Riverside-San Bernardino-Ontario, CA | 69 | $ 18,859,000 | $ 273,318 | $ 99,000 |
| Raleigh, NC | 65 | $ 11,751,000 | $ 180,784 | $ 73,000 |
| Wilmington, DE-MD-NJ | 59 | $ 11,086,000 | $ 187,898 | $ 72,576 |
| Philadelphia, PA | 49 | $ 8,090,000 | $ 165,102 | $ 73,000 |
| Newark, NJ-PA | 48 | $ 10,864,000 | $ 226,333 | $ 89,666 |
| New York-Jersey City-White Plains, NY-NJ | 45 | $ 11,902,000 | $ 264,488 | $ 127,444 |
| Gary, IN | 44 | $ 5,724,000 | $ 130,090 | $ 54,000 |
| Hagerstown-Martinsburg, MD-WV | 36 | $ 6,292,000 | $ 174,777 | $ 72,388 |
| Mobile, AL | 35 | $ 4,142,000 | $ 118,342 | $ 48,000 |
| North Port-Sarasota-Bradenton, FL | 30 | $ 6,672,000 | $ 222,400 | $ 92,000 |
| Pittsburgh, PA | 30 | $ 6,724,000 | $ 224,133 | $ 98,000 |
| Charlotte-Concord-Gastonia, NC-SC | 29 | $ 8,960,000 | $ 308,965 | $ 182,000 |
| Atlanta-Sandy Springs-Roswell, GA | 27 | $ 4,372,000 | $ 161,925 | $ 66,000 |
| Chicago-Naperville-Arlington Heights, IL | 27 | $ 3,746,000 | $ 138,740 | $ 59,000 |
| Las Vegas-Henderson-Paradise, NV | 27 | $ 5,155,000 | $ 190,925 | $ 54,000 |
| Winston-Salem, NC | 25 | $ 3,134,000 | $ 125,360 | $ 45,000 |
| East Stroudsburg, PA | 20 | $ 2,493,000 | $ 124,650 | $ 73,000 |
| Salisbury, MD-DE | 20 | $ 3,480,000 | $ 174,000 | $ 91,200 |
| Durham-Chapel Hill, NC | 19 | $ 3,791,000 | $ 199,526 | $ 82,000 |
| Huntington-Ashland, WV-KY-OH | 18 | $ 2,097,000 | $ 116,500 | $ 47,000 |
| Beckley, WV | 15 | $ 1,707,000 | $ 113,800 | $ 64,000 |
| Chambersburg-Waynesboro, PA | 15 | $ 2,365,000 | $ 157,666 | $ 56,000 |
| Denver-Aurora-Lakewood, CO | 15 | $ 3,676,000 | $ 245,066 | $ 145,000 |
| Greensboro-High Point, NC | 15 | $ 2,896,000 | $ 193,066 | $ 79,000 |
| Los Angeles-Long Beach-Glendale, CA | 15 | $ 7,541,000 | $ 502,733 | $ 158,000 |
| York-Hanover, PA | 14 | $ 2,284,000 | $ 163,142 | $ 57,000 |
| California-Lexington Park, MD | 12 | $ 2,545,000 | $ 212,083 | $ 88,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 12 | $ 2,774,000 | $ 231,166 | $ 75,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 10 | $ 2,608,000 | $ 260,800 | $ 97,800 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 9 | $ 1,231,000 | $ 136,777 | $ 57,000 |
| Orlando-Kissimmee-Sanford, FL | 9 | $ 1,548,000 | $ 172,000 | $ 67,000 |
| Cambridge-Newton-Framingham, MA | 8 | $ 2,947,000 | $ 368,375 | $ 115,000 |
| Lakeland-Winter Haven, FL | 8 | $ 1,198,000 | $ 149,750 | $ 65,000 |
| Boston, MA | 7 | $ 1,637,000 | $ 233,857 | $ 94,000 |
| Burlington, NC | 7 | $ 1,054,000 | $ 150,571 | $ 61,000 |
| Charleston, WV | 7 | $ 1,107,000 | $ 158,142 | $ 56,000 |
| New Orleans-Metairie, LA | 7 | $ 1,580,000 | $ 225,714 | $ 117,000 |
| Trenton, NJ | 7 | $ 1,705,000 | $ 243,571 | $ 112,000 |
| Baton Rouge, LA | 6 | $ 796,000 | $ 132,666 | $ 44,000 |
| Bridgeport-Stamford-Norwalk, CT | 6 | $ 2,411,000 | $ 401,833 | $ 223,000 |
| Eugene, OR | 6 | $ 1,241,000 | $ 206,833 | $ 65,000 |
| Gettysburg, PA | 6 | $ 984,000 | $ 164,000 | $ 73,000 |
| Indianapolis-Carmel-Anderson, IN | 6 | $ 1,352,000 | $ 225,333 | $ 80,000 |
| Jacksonville, FL | 6 | $ 1,212,000 | $ 202,000 | $ 97,000 |
| Nassau County-Suffolk County, NY | 6 | $ 2,267,000 | $ 377,833 | $ 148,000 |
| Richmond, VA | 6 | $ 928,000 | $ 154,666 | $ 54,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 6 | $ 2,435,000 | $ 405,833 | $ 120,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 6 | $ 1,085,000 | $ 180,833 | $ 89,000 |
| Dover, DE | 5 | $ 1,330,000 | $ 266,000 | $ 83,000 |
| Miami-Miami Beach-Kendall, FL | 5 | $ 1,237,000 | $ 247,400 | $ 91,000 |
| Vineland-Bridgeton, NJ | 5 | $ 691,000 | $ 138,200 | $ 67,000 |
| Atlantic City-Hammonton, NJ | 4 | $ 896,000 | $ 224,000 | $ 118,000 |
| Cumberland, MD-WV | 4 | $ 433,000 | $ 108,250 | $ 112,000 |
| Harrisburg-Carlisle, PA | 4 | $ 597,000 | $ 149,250 | $ 60,000 |
| Ocean City, NJ | 4 | $ 892,000 | $ 223,000 | $ 120,000 |
| Pensacola-Ferry Pass-Brent, FL | 4 | $ 694,000 | $ 173,500 | $ 161,000 |
| Anaheim-Santa Ana-Irvine, CA | 3 | $ 2,002,000 | $ 667,333 | $ 145,000 |
| Corpus Christi, TX | 3 | $ 850,000 | $ 283,333 | $ 298,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 3 | $ 345,000 | $ 115,000 | $ 110,000 |
| Harrisonburg, VA | 3 | $ 1,027,000 | $ 342,333 | $ 71,000 |
| Hartford-West Hartford-East Hartford, CT | 3 | $ 622,000 | $ 207,333 | $ 101,000 |
| Lancaster, PA | 3 | $ 366,000 | $ 122,000 | $ 62,000 |
| Oakland-Hayward-Berkeley, CA | 3 | $ 1,137,000 | $ 379,000 | $ 156,000 |
| Roanoke, VA | 3 | $ 390,000 | $ 130,000 | $ 63,000 |
| Winchester, VA-WV | 3 | $ 365,000 | $ 121,666 | $ 35,000 |
| Birmingham-Hoover, AL | 2 | $ 256,000 | $ 128,000 | $ 18,000 |
| Cape Coral-Fort Myers, FL | 2 | $ 133,000 | $ 66,500 | $ 109,000 |
| Charleston-North Charleston, SC | 2 | $ 567,000 | $ 283,500 | $ 24,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 2 | $ 349,000 | $ 174,500 | $ 124,000 |
| Fort Worth-Arlington, TX | 2 | $ 548,000 | $ 274,000 | $ 28,000 |
| Hickory-Lenoir-Morganton, NC | 2 | $ 1,093,000 | $ 546,500 | $ 211,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 2 | $ 188,000 | $ 94,000 | $ 55,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 2 | $ 213,000 | $ 106,500 | $ 46,000 |
| New Haven-Milford, CT | 2 | $ 405,000 | $ 202,500 | $ 131,000 |
| Reading, PA | 2 | $ 325,000 | $ 162,500 | $ 55,000 |
| San Diego-Carlsbad, CA | 2 | $ 692,000 | $ 346,000 | $ 120,000 |
| Santa Rosa, CA | 2 | $ 674,000 | $ 337,000 | $ 87,000 |
| Seattle-Bellevue-Everett, WA | 2 | $ 931,000 | $ 465,500 | $ 95,000 |
| Albany-Schenectady-Troy, NY | 1 | $ 353,000 | $ 353,000 | $ 0 |
| Augusta-Richmond County, GA-SC | 1 | $ 79,000 | $ 79,000 | $ 30,000 |
| Austin-Round Rock, TX | 1 | $ 700,000 | $ 700,000 | $ 168,000 |
| Bakersfield, CA | 1 | $ 276,000 | $ 276,000 | $ 66,000 |
| Bloomsburg-Berwick, PA | 1 | $ 59,000 | $ 59,000 | $ 27,000 |
| Boulder, CO | 1 | $ 340,000 | $ 340,000 | $ 80,000 |
| Charlottesville, VA | 1 | $ 196,000 | $ 196,000 | $ 62,000 |
| Columbus, GA-AL | 1 | $ 169,000 | $ 169,000 | $ 0 |
| Columbus, OH | 1 | $ 86,000 | $ 86,000 | $ 36,000 |
| Daphne-Fairhope-Foley, AL | 1 | $ 165,000 | $ 165,000 | $ 87,000 |
| Greeley, CO | 1 | $ 285,000 | $ 285,000 | $ 100,000 |
| Greenville, NC | 1 | $ 74,000 | $ 74,000 | $ 24,000 |
| Greenville-Anderson-Mauldin, SC | 1 | $ 119,000 | $ 119,000 | $ 92,000 |
| Kennewick-Richland, WA | 1 | $ 150,000 | $ 150,000 | $ 33,000 |
| Lafayette-West Lafayette, IN | 1 | $ 80,000 | $ 80,000 | $ 42,000 |
| Lebanon, PA | 1 | $ 135,000 | $ 135,000 | $ 55,000 |
| Louisville/Jefferson County, KY-IN | 1 | $ 240,000 | $ 240,000 | $ 90,000 |
| Midland, TX | 1 | $ 258,000 | $ 258,000 | $ 115,000 |
| Naples-Immokalee-Marco Island, FL | 1 | $ 315,000 | $ 315,000 | $ 301,000 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 125,000 | $ 125,000 | $ 57,000 |
| Parkersburg-Vienna, WV | 1 | $ 120,000 | $ 120,000 | $ 38,000 |
| Rochester, NY | 1 | $ 307,000 | $ 307,000 | $ 107,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 1 | $ 116,000 | $ 116,000 | $ 35,000 |
| Salem, OR | 1 | $ 80,000 | $ 80,000 | $ 47,000 |
| San Antonio-New Braunfels, TX | 1 | $ 146,000 | $ 146,000 | $ 59,000 |
| Springfield, MA | 1 | $ 162,000 | $ 162,000 | $ 57,000 |
| Staunton-Waynesboro, VA | 1 | $ 112,000 | $ 112,000 | $ 45,000 |
| Stockton-Lodi, CA | 1 | $ 417,000 | $ 417,000 | $ 107,000 |
| Toledo, OH | 1 | $ 417,000 | $ 417,000 | $ 154,000 |
| Tuscaloosa, AL | 1 | $ 177,000 | $ 177,000 | $ 62,000 |
| Wilmington, NC | 1 | $ 218,000 | $ 218,000 | $ 54,000 |
| Worcester, MA-CT | 1 | $ 170,000 | $ 170,000 | $ 52,000 |
Mortgage Loan Application Detail Totals for NFM, Inc in 2014
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 |
|---|---|---|---|---|---|---|
| Home Purchase | 2,585 | $592,783,000 | $229,000 | $1,600,000 | $89,000 | $3,887,000 |
| Refinancing | 798 | $199,925,000 | $250,000 | $1,423,000 | $99,000 | $687,000 |
| Home Improvement | 1 | $260,000 | $260,000 | $260,000 | $75,000 | $75,000 |
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 | 1,869 | $442,097,000 | $236,000 | $1,600,000 | $99,000 | $1,239,000 |
| Black or African American | 574 | $141,909,000 | $247,000 | $1,423,000 | $91,000 | $3,887,000 |
| Hispanic | 563 | $119,503,000 | $212,000 | $700,000 | $66,000 | $579,000 |
| Not Provided | 229 | $52,998,000 | $231,000 | $1,067,000 | $91,000 | $444,000 |
| Asian | 135 | $33,750,000 | $250,000 | $930,000 | $89,000 | $648,000 |
| Native Hawaiian or Other Pacific Islander | 9 | $1,808,000 | $200,000 | $417,000 | $97,000 | $250,000 |
| American Indian or Alaskan Native | 5 | $903,000 | $180,000 | $258,000 | $86,000 | $132,000 |
| 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) | 1,544 | $391,102,000 | $253,000 | $1,600,000 | $116,000 | $3,887,000 |
| FHA-insured (Federal Housing Administration) | 1,370 | $283,462,000 | $206,000 | $724,000 | $68,000 | $1,061,000 |
| VA-guaranteed (Veterans Administration) | 334 | $93,549,000 | $280,000 | $715,000 | $85,000 | $326,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 136 | $24,855,000 | $182,000 | $446,000 | $58,000 | $125,000 |
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 | 2,437 | $562,807,000 | $230,000 | $1,381,000 | $91,000 | $3,887,000 |
| File Closed For Incompleteness | 469 | $119,422,000 | $254,000 | $1,600,000 | $102,000 | $1,000,000 |
| Application Denied By Financial Institution | 295 | $67,627,000 | $229,000 | $1,425,000 | $79,000 | $648,000 |
| Application Withdrawn By Applicant | 166 | $39,239,000 | $236,000 | $1,067,000 | $87,000 | $442,000 |
| Application Approved But Not Accepted | 17 | $3,873,000 | $227,000 | $448,000 | $95,000 | $291,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 93 | $21,186,000 | $227,000 | $1,280,000 | $61,000 | $288,000 |
| Collateral | 67 | $17,694,000 | $264,000 | $1,425,000 | $99,000 | $520,000 |
| Credit History | 41 | $9,054,000 | $220,000 | $700,000 | $92,000 | $648,000 |
| Other | 39 | $9,091,000 | $233,000 | $839,000 | $93,000 | $340,000 |
| Employment History | 20 | $3,765,000 | $188,000 | $476,000 | $72,000 | $199,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 14 | $2,993,000 | $213,000 | $417,000 | $76,000 | $186,000 |
| Unverifiable Information | 13 | $2,282,000 | $175,000 | $416,000 | $64,000 | $126,000 |
| Credit Application Incomplete | 8 | $1,562,000 | $195,000 | $390,000 | $57,000 | $87,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into NFM, Inc's 2014 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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