NFM, Inc Mortgage Lending & HMDA Data, 2018
In 2018, NFM, Inc of Linthicum, MD reported 8,784 mortgage applications totaling $2.2 billion, up 5% from 2017. The average application was for $248,023, and applicants reported an average income of $93,445. 75% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Phoenix-Mesa-Scottsdale, AZ (1,060), Tampa-St. Petersburg-Clearwater, FL (1,044) and Washington-Arlington-Alexandria, DC-VA-MD-WV (949) (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 | 8,784 |
| Total Mortgage Loan Application Amount | $2,178,640,000 |
| Average Mortgage Loan Application Amount | $248,023 |
| Highest Mortgage Loan Application Amount | $4,395,000 |
| Average Applicant Income | $93,445 |
| Highest Applicant Income | $2,891,000 |
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Disclosure Act (HMDA) records NFM, Inc filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Phoenix-Mesa-Scottsdale, AZ | 1,060 | $ 248,980,000 | $ 234,886 | $ 81,000 |
| Tampa-St. Petersburg-Clearwater, FL | 1,044 | $ 264,170,000 | $ 253,036 | $ 112,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 949 | $ 287,375,000 | $ 302,818 | $ 87,858 |
| Columbus, OH | 874 | $ 159,520,000 | $ 182,517 | $ 85,000 |
| Baltimore-Columbia-Towson, MD | 668 | $ 182,350,000 | $ 272,979 | $ 95,000 |
| Richmond, VA | 519 | $ 132,175,000 | $ 254,672 | $ 108,000 |
| Denver-Aurora-Lakewood, CO | 474 | $ 161,050,000 | $ 339,767 | $ 112,000 |
| Silver Spring-Frederick-Rockville, MD | 351 | $ 107,935,000 | $ 307,507 | $ 104,000 |
| Charlotte-Concord-Gastonia, NC-SC | 275 | $ 54,905,000 | $ 199,654 | $ 85,487 |
| Outside any metro area | 233 | $ 42,885,000 | $ 184,055 | $ 79,901 |
| Camden, NJ | 215 | $ 39,905,000 | $ 185,604 | $ 86,000 |
| Miami-Miami Beach-Kendall, FL | 198 | $ 48,660,000 | $ 245,757 | $ 81,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 128 | $ 36,190,000 | $ 282,734 | $ 139,000 |
| North Port-Sarasota-Bradenton, FL | 93 | $ 19,265,000 | $ 207,150 | $ 87,000 |
| Charlottesville, VA | 86 | $ 23,800,000 | $ 276,744 | $ 101,000 |
| New York-Jersey City-White Plains, NY-NJ | 80 | $ 23,640,000 | $ 295,500 | $ 88,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 71 | $ 10,555,000 | $ 148,661 | $ 55,690 |
| Huntington-Ashland, WV-KY-OH | 66 | $ 7,650,000 | $ 115,909 | $ 51,348 |
| Jacksonville, FL | 64 | $ 13,760,000 | $ 215,000 | $ 112,000 |
| Raleigh, NC | 64 | $ 13,370,000 | $ 208,906 | $ 70,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 58 | $ 16,440,000 | $ 283,448 | $ 112,000 |
| Montgomery County-Bucks County-Chester County, PA | 56 | $ 13,530,000 | $ 241,607 | $ 93,000 |
| Philadelphia, PA | 56 | $ 11,040,000 | $ 197,142 | $ 76,000 |
| Greenville-Anderson-Mauldin, SC | 48 | $ 10,760,000 | $ 224,166 | $ 97,000 |
| Wilmington, DE-MD-NJ | 45 | $ 8,225,000 | $ 182,777 | $ 66,777 |
| Greeley, CO | 41 | $ 13,115,000 | $ 319,878 | $ 91,000 |
| New Orleans-Metairie, LA | 36 | $ 7,980,000 | $ 221,666 | $ 84,000 |
| Boulder, CO | 34 | $ 11,730,000 | $ 345,000 | $ 127,000 |
| Hagerstown-Martinsburg, MD-WV | 31 | $ 6,635,000 | $ 214,032 | $ 75,032 |
| Newark, NJ-PA | 29 | $ 7,105,000 | $ 245,000 | $ 85,275 |
| East Stroudsburg, PA | 28 | $ 4,150,000 | $ 148,214 | $ 69,000 |
| Boston, MA | 21 | $ 7,935,000 | $ 377,857 | $ 138,000 |
| Orlando-Kissimmee-Sanford, FL | 21 | $ 5,765,000 | $ 274,523 | $ 112,000 |
| Corpus Christi, TX | 20 | $ 4,660,000 | $ 233,000 | $ 129,000 |
| Gettysburg, PA | 20 | $ 3,420,000 | $ 171,000 | $ 69,000 |
| Salisbury, MD-DE | 20 | $ 4,360,000 | $ 218,000 | $ 113,000 |
| Providence-Warwick, RI-MA | 18 | $ 5,110,000 | $ 283,888 | $ 99,500 |
| Lakeland-Winter Haven, FL | 14 | $ 2,440,000 | $ 174,285 | $ 55,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 14 | $ 1,280,000 | $ 91,428 | $ 40,000 |
| York-Hanover, PA | 14 | $ 2,990,000 | $ 213,571 | $ 76,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 12 | $ 2,270,000 | $ 189,166 | $ 85,000 |
| Fort Collins, CO | 12 | $ 3,990,000 | $ 332,500 | $ 103,000 |
| Greensboro-High Point, NC | 11 | $ 1,795,000 | $ 163,181 | $ 66,000 |
| Cape Coral-Fort Myers, FL | 10 | $ 1,910,000 | $ 191,000 | $ 69,000 |
| Cleveland-Elyria, OH | 10 | $ 2,050,000 | $ 205,000 | $ 82,000 |
| Durham-Chapel Hill, NC | 10 | $ 2,220,000 | $ 222,000 | $ 106,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 10 | $ 2,540,000 | $ 254,000 | $ 138,000 |
| Vineland-Bridgeton, NJ | 10 | $ 1,840,000 | $ 184,000 | $ 64,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 10 | $ 2,540,000 | $ 254,000 | $ 102,000 |
| Harrisonburg, VA | 9 | $ 2,265,000 | $ 251,666 | $ 77,000 |
| Spartanburg, SC | 9 | $ 1,545,000 | $ 171,666 | $ 72,000 |
| Atlantic City-Hammonton, NJ | 8 | $ 1,410,000 | $ 176,250 | $ 86,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 8 | $ 1,710,000 | $ 213,750 | $ 88,000 |
| Chambersburg-Waynesboro, PA | 7 | $ 1,155,000 | $ 165,000 | $ 69,000 |
| Lynchburg, VA | 7 | $ 1,505,000 | $ 215,000 | $ 70,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 7 | $ 1,555,000 | $ 222,142 | $ 97,857 |
| Naples-Immokalee-Marco Island, FL | 7 | $ 1,745,000 | $ 249,285 | $ 90,000 |
| Ocala, FL | 7 | $ 1,395,000 | $ 199,285 | $ 84,000 |
| Reading, PA | 7 | $ 1,095,000 | $ 156,428 | $ 69,000 |
| Winston-Salem, NC | 7 | $ 1,135,000 | $ 162,142 | $ 98,000 |
| Anaheim-Santa Ana-Irvine, CA | 6 | $ 4,240,000 | $ 706,666 | $ 189,000 |
| Fayetteville, NC | 6 | $ 960,000 | $ 160,000 | $ 67,000 |
| Houston-The Woodlands-Sugar Land, TX | 6 | $ 1,320,000 | $ 220,000 | $ 90,000 |
| Palm Bay-Melbourne-Titusville, FL | 6 | $ 1,140,000 | $ 190,000 | $ 73,000 |
| Atlanta-Sandy Springs-Roswell, GA | 5 | $ 1,585,000 | $ 317,000 | $ 106,000 |
| Charleston, WV | 5 | $ 675,000 | $ 135,000 | $ 55,000 |
| Colorado Springs, CO | 5 | $ 1,215,000 | $ 243,000 | $ 79,000 |
| Punta Gorda, FL | 5 | $ 815,000 | $ 163,000 | $ 54,000 |
| Winchester, VA-WV | 5 | $ 1,325,000 | $ 265,000 | $ 99,000 |
| California-Lexington Park, MD | 4 | $ 1,060,000 | $ 265,000 | $ 82,000 |
| College Station-Bryan, TX | 4 | $ 610,000 | $ 152,500 | $ 73,000 |
| Dayton, OH | 4 | $ 590,000 | $ 147,500 | $ 71,000 |
| Knoxville, TN | 4 | $ 840,000 | $ 210,000 | $ 91,000 |
| Pittsburgh, PA | 4 | $ 690,000 | $ 172,500 | $ 98,000 |
| Prescott, AZ | 4 | $ 650,000 | $ 162,500 | $ 87,000 |
| Pueblo, CO | 4 | $ 800,000 | $ 200,000 | $ 94,000 |
| Asheville, NC | 3 | $ 695,000 | $ 231,666 | $ 110,000 |
| Barnstable Town, MA | 3 | $ 975,000 | $ 325,000 | $ 79,000 |
| Canton-Massillon, OH | 3 | $ 175,000 | $ 58,333 | $ 147,000 |
| Dallas-Plano-Irving, TX | 3 | $ 815,000 | $ 271,666 | $ 286,000 |
| Grand Junction, CO | 3 | $ 785,000 | $ 261,666 | $ 49,000 |
| Homosassa Springs, FL | 3 | $ 835,000 | $ 278,333 | $ 99,000 |
| Lake Havasu City-Kingman, AZ | 3 | $ 545,000 | $ 181,666 | $ 64,000 |
| Ocean City, NJ | 3 | $ 1,075,000 | $ 358,333 | $ 164,000 |
| Port St. Lucie, FL | 3 | $ 545,000 | $ 181,666 | $ 61,000 |
| Springfield, OH | 3 | $ 285,000 | $ 95,000 | $ 53,000 |
| Staunton-Waynesboro, VA | 3 | $ 465,000 | $ 155,000 | $ 112,000 |
| The Villages, FL | 3 | $ 605,000 | $ 201,666 | $ 84,000 |
| Burlington, NC | 2 | $ 310,000 | $ 155,000 | $ 36,000 |
| Cincinnati, OH-KY-IN | 2 | $ 540,000 | $ 270,000 | $ 101,000 |
| Columbia, SC | 2 | $ 300,000 | $ 150,000 | $ 52,000 |
| Flagstaff, AZ | 2 | $ 610,000 | $ 305,000 | $ 137,000 |
| Harrisburg-Carlisle, PA | 2 | $ 300,000 | $ 150,000 | $ 305,000 |
| Oakland-Hayward-Berkeley, CA | 2 | $ 1,110,000 | $ 555,000 | $ 107,000 |
| Pensacola-Ferry Pass-Brent, FL | 2 | $ 450,000 | $ 225,000 | $ 79,000 |
| Reno, NV | 2 | $ 560,000 | $ 280,000 | $ 63,000 |
| Rocky Mount, NC | 2 | $ 370,000 | $ 185,000 | $ 85,000 |
| San Antonio-New Braunfels, TX | 2 | $ 230,000 | $ 115,000 | $ 53,000 |
| San Diego-Carlsbad, CA | 2 | $ 1,050,000 | $ 525,000 | $ 120,000 |
| Tallahassee, FL | 2 | $ 450,000 | $ 225,000 | $ 86,000 |
| Tucson, AZ | 2 | $ 520,000 | $ 260,000 | $ 79,000 |
| Wilmington, NC | 2 | $ 350,000 | $ 175,000 | $ 69,000 |
| Amarillo, TX | 1 | $ 145,000 | $ 145,000 | $ 57,000 |
| Appleton, WI | 1 | $ 275,000 | $ 275,000 | $ 70,000 |
| Austin-Round Rock, TX | 1 | $ 185,000 | $ 185,000 | $ 48,000 |
| Birmingham-Hoover, AL | 1 | $ 265,000 | $ 265,000 | $ 128,000 |
| Blacksburg-Christiansburg-Radford, VA | 1 | $ 455,000 | $ 455,000 | $ 161,000 |
| Charleston-North Charleston, SC | 1 | $ 305,000 | $ 305,000 | $ 72,000 |
| Chattanooga, TN-GA | 1 | $ 305,000 | $ 305,000 | $ 120,000 |
| Chicago-Naperville-Arlington Heights, IL | 1 | $ 155,000 | $ 155,000 | $ 52,000 |
| Dover, DE | 1 | $ 125,000 | $ 125,000 | $ 348,000 |
| El Paso, TX | 1 | $ 155,000 | $ 155,000 | $ 52,000 |
| Florence, SC | 1 | $ 255,000 | $ 255,000 | $ 106,000 |
| Florence-Muscle Shoals, AL | 1 | $ 155,000 | $ 155,000 | $ 73,000 |
| Fort Worth-Arlington, TX | 1 | $ 405,000 | $ 405,000 | $ 164,000 |
| Gainesville, FL | 1 | $ 75,000 | $ 75,000 | $ 229,000 |
| Hanford-Corcoran, CA | 1 | $ 315,000 | $ 315,000 | $ 39,000 |
| Hickory-Lenoir-Morganton, NC | 1 | $ 165,000 | $ 165,000 | $ 40,000 |
| Indianapolis-Carmel-Anderson, IN | 1 | $ 185,000 | $ 185,000 | $ 94,000 |
| Lancaster, PA | 1 | $ 345,000 | $ 345,000 | $ 143,000 |
| Lebanon, PA | 1 | $ 185,000 | $ 185,000 | $ 116,000 |
| Los Angeles-Long Beach-Glendale, CA | 1 | $ 645,000 | $ 645,000 | $ 0 |
| Mansfield, OH | 1 | $ 75,000 | $ 75,000 | $ 112,000 |
| Memphis, TN-MS-AR | 1 | $ 165,000 | $ 165,000 | $ 48,000 |
| Merced, CA | 1 | $ 255,000 | $ 255,000 | $ 84,000 |
| Milwaukee-Waukesha-West Allis, WI | 1 | $ 175,000 | $ 175,000 | $ 107,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 1 | $ 495,000 | $ 495,000 | $ 216,000 |
| Panama City, FL | 1 | $ 175,000 | $ 175,000 | $ 42,000 |
| Parkersburg-Vienna, WV | 1 | $ 155,000 | $ 155,000 | $ 44,000 |
| Riverside-San Bernardino-Ontario, CA | 1 | $ 315,000 | $ 315,000 | $ 72,000 |
| Rome, GA | 1 | $ 235,000 | $ 235,000 | $ 105,000 |
| Salinas, CA | 1 | $ 755,000 | $ 755,000 | $ 169,000 |
| Sebastian-Vero Beach, FL | 1 | $ 585,000 | $ 585,000 | $ 404,000 |
| Sebring, FL | 1 | $ 205,000 | $ 205,000 | $ 56,000 |
| Stockton-Lodi, CA | 1 | $ 365,000 | $ 365,000 | $ 107,000 |
| Trenton, NJ | 1 | $ 115,000 | $ 115,000 | $ 63,000 |
| Waco, TX | 1 | $ 105,000 | $ 105,000 | $ 43,000 |
| Worcester, MA-CT | 1 | $ 415,000 | $ 415,000 | $ 148,000 |
Mortgage Loan Application Detail Totals for NFM, Inc in 2018
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 | 8,063 | $1,989,285,000 | $246,000 | $2,265,000 | $93,000 | $2,891,000 |
| Cash-out Refinancing | 381 | $97,575,000 | $256,000 | $4,395,000 | $97,000 | $972,000 |
| Refinancing | 338 | $91,320,000 | $270,000 | $1,025,000 | $100,000 | $847,000 |
| Home Improvement | 2 | $460,000 | $230,000 | $245,000 | $103,000 | $124,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 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 | 5,081 | $1,265,165,000 | $248,000 | $1,995,000 | $102,000 | $2,891,000 |
| Hispanic | 1,623 | $397,705,000 | $245,000 | $2,005,000 | $77,000 | $996,000 |
| Black or African American | 1,172 | $285,940,000 | $243,000 | $4,395,000 | $79,000 | $847,000 |
| Not Provided | 575 | $142,695,000 | $248,000 | $1,075,000 | $95,000 | $972,000 |
| Asian | 292 | $76,880,000 | $263,000 | $2,265,000 | $110,000 | $1,119,000 |
| American Indian or Alaskan Native | 24 | $5,760,000 | $240,000 | $445,000 | $90,000 | $212,000 |
| Native Hawaiian or Other Pacific Islander | 5 | $1,475,000 | $295,000 | $515,000 | $88,000 | $125,000 |
| Not applicable | 1 | $265,000 | $265,000 | $265,000 | $119,000 | $119,000 |
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) | 5,235 | $1,335,725,000 | $255,000 | $2,265,000 | $107,000 | $2,891,000 |
| FHA-insured (Federal Housing Administration) | 2,746 | $635,880,000 | $231,000 | $4,395,000 | $71,000 | $416,000 |
| VA-guaranteed (Veterans Administration) | 626 | $175,050,000 | $279,000 | $1,045,000 | $89,000 | $413,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 177 | $31,985,000 | $180,000 | $445,000 | $60,000 | $109,000 |
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 | 6,575 | $1,629,455,000 | $247,000 | $2,265,000 | $95,000 | $2,891,000 |
| Application Withdrawn By Applicant | 999 | $243,035,000 | $243,000 | $1,725,000 | $96,000 | $1,364,000 |
| File Closed For Incompleteness | 863 | $216,675,000 | $251,000 | $1,225,000 | $87,000 | $1,200,000 |
| Application Denied By Financial Institution | 300 | $78,290,000 | $260,000 | $4,395,000 | $89,000 | $780,000 |
| Application Approved But Not Accepted | 47 | $11,185,000 | $237,000 | $525,000 | $88,000 | $407,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 8,484 | $2,100,350,000 | $247,000 | $2,265,000 | $94,000 | $2,891,000 |
| Debt-To-Income Ratio | 82 | $22,930,000 | $279,000 | $2,005,000 | $69,000 | $465,000 |
| Collateral | 72 | $15,590,000 | $216,000 | $715,000 | $108,000 | $597,000 |
| Credit History | 58 | $19,100,000 | $329,000 | $4,395,000 | $87,000 | $373,000 |
| Employment History | 30 | $6,030,000 | $201,000 | $455,000 | $71,000 | $183,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 25 | $6,405,000 | $256,000 | $605,000 | $95,000 | $606,000 |
| Other | 14 | $3,220,000 | $230,000 | $395,000 | $100,000 | $232,000 |
| Unverifiable Information | 13 | $3,625,000 | $278,000 | $865,000 | $129,000 | $780,000 |
| Credit Application Incomplete | 3 | $785,000 | $261,000 | $315,000 | $119,000 | $158,000 |
| Mortgage Insurance Denied | 3 | $605,000 | $201,000 | $255,000 | $89,000 | $146,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into NFM, Inc's 2018 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.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About