NFM, Inc Mortgage Lending & HMDA Data, 2017
In 2017, NFM, Inc of Linthicum, MD reported 8,396 mortgage applications totaling $2.0 billion, up 2% from 2016. The average application was for $240,576, and applicants reported an average income of $81,000. 75% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Washington-Arlington-Alexandria, DC-VA-MD-WV (1,122), Tampa-St. Petersburg-Clearwater, FL (1,098) and Baltimore-Columbia-Towson, MD (813) (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 | 8,396 |
| Total Mortgage Loan Application Amount | $2,019,877,000 |
| Average Mortgage Loan Application Amount | $240,576 |
| Highest Mortgage Loan Application Amount | $1,600,000 |
| Average Applicant Income | $81,000 |
| Highest Applicant Income | $876,000 |
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Disclosure Act (HMDA) records NFM, Inc filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,122 | $ 310,768,000 | $ 276,976 | $ 69,630 |
| Tampa-St. Petersburg-Clearwater, FL | 1,098 | $ 256,651,000 | $ 233,744 | $ 91,000 |
| Baltimore-Columbia-Towson, MD | 813 | $ 217,987,000 | $ 268,126 | $ 87,000 |
| Phoenix-Mesa-Scottsdale, AZ | 747 | $ 178,388,000 | $ 238,805 | $ 76,000 |
| Columbus, OH | 663 | $ 116,748,000 | $ 176,090 | $ 71,000 |
| Richmond, VA | 499 | $ 125,393,000 | $ 251,288 | $ 96,000 |
| Silver Spring-Frederick-Rockville, MD | 396 | $ 119,531,000 | $ 301,845 | $ 83,000 |
| Camden, NJ | 352 | $ 68,761,000 | $ 195,343 | $ 91,000 |
| Denver-Aurora-Lakewood, CO | 348 | $ 114,805,000 | $ 329,899 | $ 104,000 |
| Greenville-Anderson-Mauldin, SC | 177 | $ 37,460,000 | $ 211,638 | $ 73,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 143 | $ 36,466,000 | $ 255,006 | $ 81,000 |
| North Port-Sarasota-Bradenton, FL | 114 | $ 24,363,000 | $ 213,710 | $ 80,000 |
| Boston, MA | 94 | $ 31,740,000 | $ 337,659 | $ 104,000 |
| Port St. Lucie, FL | 88 | $ 17,712,000 | $ 201,272 | $ 76,000 |
| Providence-Warwick, RI-MA | 86 | $ 22,889,000 | $ 266,151 | $ 88,418 |
| Raleigh, NC | 84 | $ 15,661,000 | $ 186,440 | $ 72,000 |
| Atlanta-Sandy Springs-Roswell, GA | 80 | $ 13,993,000 | $ 174,912 | $ 24,000 |
| Jacksonville, FL | 77 | $ 15,087,000 | $ 195,935 | $ 94,000 |
| New York-Jersey City-White Plains, NY-NJ | 77 | $ 21,858,000 | $ 283,870 | $ 80,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 71 | $ 9,221,000 | $ 129,873 | $ 38,352 |
| Wilmington, DE-MD-NJ | 70 | $ 11,656,000 | $ 166,514 | $ 64,728 |
| Charlottesville, VA | 67 | $ 15,144,000 | $ 226,029 | $ 83,000 |
| Huntington-Ashland, WV-KY-OH | 67 | $ 8,059,000 | $ 120,283 | $ 45,701 |
| Philadelphia, PA | 60 | $ 13,416,000 | $ 223,600 | $ 77,000 |
| Spartanburg, SC | 43 | $ 7,267,000 | $ 169,000 | $ 63,000 |
| Palm Bay-Melbourne-Titusville, FL | 40 | $ 6,937,000 | $ 173,425 | $ 54,000 |
| Hagerstown-Martinsburg, MD-WV | 38 | $ 8,732,000 | $ 229,789 | $ 64,315 |
| Montgomery County-Bucks County-Chester County, PA | 35 | $ 8,880,000 | $ 253,714 | $ 90,000 |
| Orlando-Kissimmee-Sanford, FL | 29 | $ 6,007,000 | $ 207,137 | $ 82,000 |
| Vineland-Bridgeton, NJ | 29 | $ 4,027,000 | $ 138,862 | $ 56,000 |
| Newark, NJ-PA | 28 | $ 7,443,000 | $ 265,821 | $ 72,428 |
| Greeley, CO | 24 | $ 6,412,000 | $ 267,166 | $ 65,000 |
| Salisbury, MD-DE | 24 | $ 5,733,000 | $ 238,875 | $ 106,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 21 | $ 3,883,000 | $ 184,904 | $ 56,000 |
| Barnstable Town, MA | 19 | $ 5,581,000 | $ 293,736 | $ 104,000 |
| Corpus Christi, TX | 17 | $ 3,192,000 | $ 187,764 | $ 119,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 15 | $ 3,301,000 | $ 220,066 | $ 91,000 |
| New Orleans-Metairie, LA | 15 | $ 2,436,000 | $ 162,400 | $ 53,000 |
| York-Hanover, PA | 13 | $ 2,727,000 | $ 209,769 | $ 52,000 |
| Tucson, AZ | 12 | $ 2,368,000 | $ 197,333 | $ 56,000 |
| Atlantic City-Hammonton, NJ | 11 | $ 2,706,000 | $ 246,000 | $ 135,000 |
| Chambersburg-Waynesboro, PA | 11 | $ 1,771,000 | $ 161,000 | $ 56,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 11 | $ 3,363,000 | $ 305,727 | $ 165,636 |
| Scranton--Wilkes-Barre--Hazleton, PA | 10 | $ 1,192,000 | $ 119,200 | $ 55,000 |
| Charlotte-Concord-Gastonia, NC-SC | 9 | $ 1,495,000 | $ 166,111 | $ 38,000 |
| Lakeland-Winter Haven, FL | 9 | $ 1,790,000 | $ 198,888 | $ 62,000 |
| Ocean City, NJ | 9 | $ 2,266,000 | $ 251,777 | $ 171,000 |
| Pittsburgh, PA | 9 | $ 1,236,000 | $ 137,333 | $ 39,000 |
| Winchester, VA-WV | 9 | $ 1,995,000 | $ 221,666 | $ 42,000 |
| Colorado Springs, CO | 8 | $ 2,201,000 | $ 275,125 | $ 81,000 |
| Homosassa Springs, FL | 8 | $ 1,679,000 | $ 209,875 | $ 80,000 |
| Boulder, CO | 7 | $ 2,207,000 | $ 315,285 | $ 141,000 |
| East Stroudsburg, PA | 7 | $ 1,200,000 | $ 171,428 | $ 61,000 |
| Greensboro-High Point, NC | 7 | $ 1,121,000 | $ 160,142 | $ 106,000 |
| Winston-Salem, NC | 7 | $ 796,000 | $ 113,714 | $ 48,000 |
| Cambridge-Newton-Framingham, MA | 6 | $ 1,756,000 | $ 292,666 | $ 104,000 |
| Cincinnati, OH-KY-IN | 6 | $ 1,566,000 | $ 261,000 | $ 106,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 6 | $ 1,156,000 | $ 192,666 | $ 66,000 |
| Durham-Chapel Hill, NC | 6 | $ 894,000 | $ 149,000 | $ 47,000 |
| Fort Collins, CO | 6 | $ 1,895,000 | $ 315,833 | $ 115,000 |
| Miami-Miami Beach-Kendall, FL | 6 | $ 1,617,000 | $ 269,500 | $ 72,000 |
| Staunton-Waynesboro, VA | 6 | $ 1,258,000 | $ 209,666 | $ 51,000 |
| Worcester, MA-CT | 6 | $ 1,748,000 | $ 291,333 | $ 101,000 |
| Anaheim-Santa Ana-Irvine, CA | 5 | $ 3,048,000 | $ 609,600 | $ 103,000 |
| California-Lexington Park, MD | 5 | $ 1,120,000 | $ 224,000 | $ 71,000 |
| Dayton, OH | 5 | $ 845,000 | $ 169,000 | $ 70,000 |
| Gettysburg, PA | 5 | $ 799,000 | $ 159,800 | $ 58,000 |
| Sebastian-Vero Beach, FL | 5 | $ 1,144,000 | $ 228,800 | $ 81,000 |
| Charleston, WV | 4 | $ 434,000 | $ 108,500 | $ 51,000 |
| Charleston-North Charleston, SC | 4 | $ 1,450,000 | $ 362,500 | $ 80,000 |
| Flagstaff, AZ | 4 | $ 1,124,000 | $ 281,000 | $ 117,000 |
| Houston-The Woodlands-Sugar Land, TX | 4 | $ 1,085,000 | $ 271,250 | $ 118,000 |
| Punta Gorda, FL | 4 | $ 792,000 | $ 198,000 | $ 81,000 |
| Reading, PA | 4 | $ 782,000 | $ 195,500 | $ 71,000 |
| The Villages, FL | 4 | $ 764,000 | $ 191,000 | $ 102,000 |
| Burlington, NC | 3 | $ 598,000 | $ 199,333 | $ 44,000 |
| Cape Coral-Fort Myers, FL | 3 | $ 460,000 | $ 153,333 | $ 68,000 |
| Chattanooga, TN-GA | 3 | $ 554,000 | $ 184,666 | $ 88,000 |
| Clarksville, TN-KY | 3 | $ 399,000 | $ 133,000 | $ 36,000 |
| Dover, DE | 3 | $ 478,000 | $ 159,333 | $ 91,000 |
| Harrisburg-Carlisle, PA | 3 | $ 520,000 | $ 173,333 | $ 316,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 3 | $ 473,000 | $ 157,666 | $ 115,000 |
| Naples-Immokalee-Marco Island, FL | 3 | $ 830,000 | $ 276,666 | $ 110,000 |
| Prescott, AZ | 3 | $ 823,000 | $ 274,333 | $ 81,000 |
| Rocky Mount, NC | 3 | $ 503,000 | $ 167,666 | $ 38,000 |
| Springfield, OH | 3 | $ 623,000 | $ 207,666 | $ 97,000 |
| Cleveland-Elyria, OH | 2 | $ 108,000 | $ 54,000 | $ 108,000 |
| Crestview-Fort Walton Beach-Destin, FL | 2 | $ 459,000 | $ 229,500 | $ 130,000 |
| Cumberland, MD-WV | 2 | $ 424,000 | $ 212,000 | $ 78,000 |
| Hickory-Lenoir-Morganton, NC | 2 | $ 241,000 | $ 120,500 | $ 33,000 |
| Indianapolis-Carmel-Anderson, IN | 2 | $ 291,000 | $ 145,500 | $ 55,000 |
| Knoxville, TN | 2 | $ 484,000 | $ 242,000 | $ 107,000 |
| Lancaster, PA | 2 | $ 505,000 | $ 252,500 | $ 66,000 |
| Ocala, FL | 2 | $ 709,000 | $ 354,500 | $ 153,000 |
| Roanoke, VA | 2 | $ 435,000 | $ 217,500 | $ 155,000 |
| Springfield, MA | 2 | $ 848,000 | $ 424,000 | $ 275,000 |
| Tallahassee, FL | 2 | $ 222,000 | $ 111,000 | $ 83,000 |
| Victoria, TX | 2 | $ 340,000 | $ 170,000 | $ 235,000 |
| Asheville, NC | 1 | $ 144,000 | $ 144,000 | $ 83,000 |
| Athens-Clarke County, GA | 1 | $ 105,000 | $ 105,000 | $ 36,000 |
| Beckley, WV | 1 | $ 62,000 | $ 62,000 | $ 37,000 |
| Bloomsburg-Berwick, PA | 1 | $ 131,000 | $ 131,000 | $ 54,000 |
| Canton-Massillon, OH | 1 | $ 131,000 | $ 131,000 | $ 132,000 |
| Chicago-Naperville-Arlington Heights, IL | 1 | $ 704,000 | $ 704,000 | $ 206,000 |
| College Station-Bryan, TX | 1 | $ 66,000 | $ 66,000 | $ 31,000 |
| Fayetteville, NC | 1 | $ 126,000 | $ 126,000 | $ 41,000 |
| Fort Worth-Arlington, TX | 1 | $ 615,000 | $ 615,000 | $ 259,000 |
| Gainesville, FL | 1 | $ 228,000 | $ 228,000 | $ 64,000 |
| Greenville, NC | 1 | $ 85,000 | $ 85,000 | $ 37,000 |
| Las Vegas-Henderson-Paradise, NV | 1 | $ 280,000 | $ 280,000 | $ 79,000 |
| Lynchburg, VA | 1 | $ 120,000 | $ 120,000 | $ 45,000 |
| Mansfield, OH | 1 | $ 104,000 | $ 104,000 | $ 0 |
| McAllen-Edinburg-Mission, TX | 1 | $ 155,000 | $ 155,000 | $ 98,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 1 | $ 155,000 | $ 155,000 | $ 58,000 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 162,000 | $ 162,000 | $ 57,000 |
| Pueblo, CO | 1 | $ 94,000 | $ 94,000 | $ 46,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 1 | $ 222,000 | $ 222,000 | $ 43,000 |
| Salinas, CA | 1 | $ 575,000 | $ 575,000 | $ 275,000 |
| Tacoma-Lakewood, WA | 1 | $ 219,000 | $ 219,000 | $ 87,000 |
| Toledo, OH | 1 | $ 258,000 | $ 258,000 | $ 94,000 |
| Trenton, NJ | 1 | $ 188,000 | $ 188,000 | $ 85,000 |
Mortgage Loan Application Detail Totals for NFM, Inc in 2017
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 | 7,296 | $1,744,380,000 | $239,000 | $1,600,000 | $81,000 | $876,000 |
| Refinancing | 1,100 | $275,497,000 | $250,000 | $1,440,000 | $81,000 | $578,000 |
| 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 | 5,126 | $1,230,903,000 | $240,000 | $1,600,000 | $88,000 | $876,000 |
| Hispanic | 1,388 | $331,286,000 | $238,000 | $944,000 | $62,000 | $508,000 |
| Black or African American | 1,053 | $246,370,000 | $233,000 | $1,251,000 | $69,000 | $825,000 |
| Not Provided | 500 | $121,658,000 | $243,000 | $855,000 | $83,000 | $417,000 |
| Asian | 299 | $81,557,000 | $272,000 | $647,000 | $87,000 | $552,000 |
| American Indian or Alaskan Native | 21 | $5,414,000 | $257,000 | $439,000 | $71,000 | $168,000 |
| Native Hawaiian or Other Pacific Islander | 9 | $2,689,000 | $298,000 | $585,000 | $79,000 | $181,000 |
| 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) | 4,326 | $1,069,599,000 | $247,000 | $1,600,000 | $96,000 | $876,000 |
| FHA-insured (Federal Housing Administration) | 3,190 | $718,889,000 | $225,000 | $1,251,000 | $62,000 | $395,000 |
| VA-guaranteed (Veterans Administration) | 690 | $198,424,000 | $287,000 | $748,000 | $81,000 | $358,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 190 | $32,965,000 | $173,000 | $410,000 | $53,000 | $141,000 |
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 | 6,297 | $1,516,524,000 | $240,000 | $1,600,000 | $87,000 | $876,000 |
| Application Withdrawn By Applicant | 962 | $227,657,000 | $236,000 | $1,180,000 | $69,000 | $465,000 |
| File Closed For Incompleteness | 674 | $168,378,000 | $249,000 | $1,440,000 | $63,000 | $358,000 |
| Application Denied By Financial Institution | 426 | $98,866,000 | $232,000 | $1,129,000 | $52,000 | $466,000 |
| Application Approved But Not Accepted | 37 | $8,452,000 | $228,000 | $424,000 | $82,000 | $382,000 |
| 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 | 106 | $26,099,000 | $246,000 | $1,129,000 | $44,000 | $278,000 |
| Collateral | 78 | $15,964,000 | $204,000 | $728,000 | $67,000 | $466,000 |
| Credit History | 76 | $17,282,000 | $227,000 | $647,000 | $52,000 | $228,000 |
| Other | 73 | $17,138,000 | $234,000 | $555,000 | $50,000 | $309,000 |
| Employment History | 32 | $7,081,000 | $221,000 | $530,000 | $50,000 | $159,000 |
| Unverifiable Information | 31 | $8,025,000 | $258,000 | $603,000 | $56,000 | $175,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 24 | $5,952,000 | $248,000 | $518,000 | $45,000 | $145,000 |
| Credit Application Incomplete | 4 | $866,000 | $216,000 | $342,000 | $16,000 | $52,000 |
| Mortgage Insurance Denied | 2 | $459,000 | $229,000 | $238,000 | $84,000 | $109,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into NFM, Inc's 2017 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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