Nfm Mortgage Rates, Fees & Info

LINTHICUM, MD

LEI: 549300MCIFZSDHUT8X63

Tax ID: 52-2102740

3.7 stars - out of 5 stars, based on 165 reviews

Latest/2021 | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

  • SimulatedRates™
  • Review & Overview

    Nfm is a large mortgage company specializing in Home Purchase and Refi loans. Nfm has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Washington, Baltimore, Phoenix, Seattle, and Columbus among others. We have data for 330 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Nfm has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Nfm is typically an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.


    SimulatedRates™

    Mortgage Type
    Simulated Rate Simulation Date
    30 Year Conventional Purchase 6.40% 9/29/22
    30 Year Conventional Refi 6.26% 9/29/22
    30 Year Cash-out Refi 6.49% 9/29/22
    30 Year FHA Purchase 7.37% 9/29/22
    30 Year FHA Refi 7.02% 9/29/22
    30 Year VA Purchase 6.22% 9/29/22
    30 Year VA Refi 5.88% 9/29/22
    30 Year USDA Purchase 6.86% 9/29/22
    30 Year USDA Refi 6.60% 9/29/22
    15 Year Conventional Purchase 5.85% 9/29/22
    15 Year Conventional Refi 5.82% 9/29/22
    15 Year Cash-out Refi 5.82% 9/29/22
    15 Year FHA Purchase 6.71% 9/29/22
    15 Year FHA Refi 6.88% 9/29/22
    15 Year VA Purchase 5.87% 9/29/22
    15 Year VA Refi 5.54% 9/29/22
    These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.


    Originations

    27,359

    Origination Dollar Volume (All Markets)

    $9,152,935,000
    Show all (5) awards

    Relative Rate

    Nfm 's average 30 year fixed mortgage rate was 3.15%.

    The 2021 average 30 year fixed rate mortgage across all markets and lenders was 3.15%.

    This yields a difference of -0%.

    Relative Fees (Closing Costs)

    Nfm 's average total fees/closing costs for a 30 year fixed rate mortgage were $6,061.

    The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including both points & up-front fees in addition to origination fees) were $4,750.

    Top Markets

    Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

    Market Originations Total Value Average Loan Average Fees Average Rate
    Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 3,891 $1,596,945,000 $410,420 $6,253 3.02%
    BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 2,910 $948,080,000 $325,801 $5,590 3.02%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 2,427 $774,265,000 $319,021 $5,876 3.18%
    Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 1,187 $558,035,000 $470,122 $6,813 3.01%
    COLUMBUS, OH (FHA|USDA|VA) 1,815 $454,995,000 $250,686 $5,296 3.17%
    RICHMOND, VA (FHA|USDA|VA) 1,335 $396,675,000 $297,135 $5,580 3.08%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 1,166 $381,870,000 $327,504 $5,300 3.09%
    PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 1,283 $377,755,000 $294,431 $5,770 3.20%
    Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 1,351 $367,535,000 $272,047 $5,796 3.08%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 784 $345,100,000 $440,179 $6,890 3.03%
    Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 550 $323,320,000 $587,855 $7,697 3.13%
    Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 391 $166,165,000 $424,974 $5,361 3.08%
    CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 444 $132,400,000 $298,198 $4,481 3.19%
    Pinehurst-Southern Pines, NC (FHA|USDA|VA) 417 $121,335,000 $290,971 $5,291 2.95%
    RALEIGH-CARY, NC (FHA|USDA|VA) 337 $106,365,000 $315,623 $5,311 3.19%
    COLORADO SPRINGS, CO (FHA|USDA|VA) 282 $101,320,000 $359,291 $5,770 3.14%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 336 $91,560,000 $272,500 $5,448 3.11%
    Outside of Metro Areas 332 $91,450,000 $275,452 $6,054 3.14%
    PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 193 $84,475,000 $437,694 $5,727 3.17%
    New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 204 $79,200,000 $388,235 $7,580 3.17%
    RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 177 $75,835,000 $428,446 $6,493 3.20%
    SALISBURY, MD-DE (FHA|USDA|VA) 249 $75,135,000 $301,747 $5,740 3.08%
    PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 206 $68,450,000 $332,282 $5,279 3.26%
    FAYETTEVILLE, NC (FHA|USDA|VA) 332 $67,960,000 $204,699 $6,038 3.25%
    DOVER, DE (FHA|USDA|VA) 262 $67,400,000 $257,252 $6,598 3.12%
    YORK-HANOVER, PA (FHA|USDA|VA) 309 $64,095,000 $207,427 $5,528 3.03%
    CHARLOTTESVILLE, VA (FHA|USDA|VA) 198 $59,460,000 $300,303 $5,301 3.03%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 153 $55,005,000 $359,510 $5,684 3.17%
    OCEAN CITY, NJ (FHA|USDA|VA) 88 $45,370,000 $515,568 $5,761 2.99%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 103 $41,335,000 $401,311 $6,516 3.01%
    San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 69 $40,605,000 $588,478 $7,857 3.08%
    SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 73 $37,365,000 $511,849 $6,495 3.02%
    GREELEY, CO (FHA|USDA|VA) 85 $36,555,000 $430,059 $9,114 2.94%
    DAYTON-KETTERING, OH (FHA|USDA|VA) 165 $33,145,000 $200,879 $6,052 3.14%
    GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 134 $29,030,000 $216,642 $4,896 3.28%
    BOULDER, CO (FHA|USDA|VA) 51 $23,745,000 $465,588 $7,599 3.01%
    HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 92 $23,390,000 $254,239 $5,890 3.14%
    DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 71 $22,435,000 $315,986 $5,364 3.14%
    WORCESTER, MA-CT (FHA|USDA|VA) 79 $22,345,000 $282,848 $5,676 3.22%
    VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 73 $21,915,000 $300,205 $5,650 3.18%
    LANCASTER, PA (FHA|USDA|VA) 91 $19,375,000 $212,912 $5,399 2.91%
    TUCSON, AZ (FHA|USDA|VA) 75 $18,685,000 $249,133 $5,408 3.28%
    WINSTON-SALEM, NC (FHA|USDA|VA) 89 $17,795,000 $199,944 $4,538 3.27%
    HUNTSVILLE, AL (FHA|USDA|VA) 72 $17,590,000 $244,306 $5,590 3.37%
    HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 87 $17,295,000 $198,793 $5,439 3.06%
    CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 70 $15,500,000 $221,429 $6,389 3.26%
    JACKSONVILLE, FL (FHA|USDA|VA) 42 $14,870,000 $354,048 $5,764 3.26%
    BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 35 $14,765,000 $421,857 $8,198 3.06%
    NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 57 $14,155,000 $248,333 $4,277 3.04%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 36 $12,960,000 $360,000 $5,724 3.14%
    MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 52 $12,690,000 $244,038 $5,376 3.28%
    SPARTANBURG, SC (FHA|USDA|VA) 49 $12,065,000 $246,224 $4,640 3.31%
    MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) 32 $11,040,000 $345,000 $6,014 2.93%
    ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 41 $10,805,000 $263,537 $4,699 3.09%
    CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 27 $10,085,000 $373,519 $5,009 2.94%
    WINCHESTER, VA-WV (FHA|USDA|VA) 36 $10,070,000 $279,722 $5,758 3.22%
    FORT COLLINS, CO (FHA|USDA|VA) 24 $9,780,000 $407,500 $7,329 2.98%
    GETTYSBURG, PA (FHA|USDA|VA) 41 $9,525,000 $232,317 $6,024 3.13%
    BELLINGHAM, WA (FHA|USDA|VA) 22 $8,700,000 $395,455 $5,910 3.08%
    SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 21 $8,635,000 $411,190 $6,025 3.21%
    CLARKSVILLE, TN-KY (FHA|USDA|VA) 34 $8,490,000 $249,706 $8,058 3.22%
    CINCINNATI, OH-KY-IN (FHA|USDA|VA) 35 $8,325,000 $237,857 $6,155 3.05%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 27 $8,185,000 $303,148 $5,801 3.10%
    OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 23 $8,155,000 $354,565 $7,632 3.27%
    AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 16 $8,140,000 $508,750 $7,762 3.30%
    PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 23 $7,945,000 $345,435 $7,013 2.94%
    STOCKTON, CA (FHA|USDA|VA) 16 $7,860,000 $491,250 $5,189 3.16%
    PUNTA GORDA, FL (FHA|USDA|VA) 33 $7,825,000 $237,121 $5,428 3.06%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 22 $7,150,000 $325,000 $6,490 2.98%
    Oak Harbor, WA (FHA|USDA|VA) 15 $7,015,000 $467,667 $6,947 2.96%
    SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 10 $6,860,000 $686,000 $9,051 2.98%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 13 $6,735,000 $518,077 $10,271 3.15%
    LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 29 $6,735,000 $232,241 $5,244 3.12%
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 24 $6,730,000 $280,417 $5,998 3.07%
    FLAGSTAFF, AZ (FHA|USDA|VA) 17 $6,625,000 $389,706 $5,845 3.09%
    READING, PA (FHA|USDA|VA) 26 $6,610,000 $254,231 $5,500 3.11%
    BARNSTABLE TOWN, MA (FHA|USDA|VA) 20 $6,570,000 $328,500 $4,205 2.95%
    CANTON-MASSILLON, OH (FHA|USDA|VA) 31 $6,555,000 $211,452 $5,577 3.21%
    BEND, OR (FHA|USDA|VA) 16 $6,490,000 $405,625 $6,144 3.29%
    Rockport, TX (FHA|USDA|VA) 25 $6,315,000 $252,600 $5,979 3.23%
    NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) 19 $6,145,000 $323,421 $7,457 3.16%
    Albertville, AL (FHA|USDA|VA) 29 $6,095,000 $210,172 $6,314 3.25%
    OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 10 $5,580,000 $558,000 $6,030 3.14%
    Moses Lake, WA (FHA|USDA|VA) 19 $5,375,000 $282,895 $5,630 3.09%
    GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 21 $5,175,000 $246,429 $4,360 3.27%
    ASHEVILLE, NC (FHA|USDA|VA) 17 $5,085,000 $299,118 $5,344 3.15%
    Clarksburg, WV (FHA|USDA|VA) 30 $5,020,000 $167,333 $4,500 3.28%
    WILMINGTON, NC (FHA|USDA|VA) 15 $5,015,000 $334,333 $4,145 3.09%
    LYNCHBURG, VA (FHA|USDA|VA) 26 $4,980,000 $191,538 $4,904 3.28%
    NORWICH-NEW LONDON, CT (FHA|USDA|VA) 20 $4,960,000 $248,000 $5,939 3.19%
    STAUNTON, VA (FHA|USDA|VA) 24 $4,950,000 $206,250 $4,594 3.08%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 16 $4,900,000 $306,250 $3,912 3.00%
    HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 12 $4,720,000 $393,333 $4,095 3.09%
    TRENTON-PRINCETON, NJ (FHA|USDA|VA) 16 $4,620,000 $288,750 $5,921 3.24%
    HARRISONBURG, VA (FHA|USDA|VA) 18 $4,470,000 $248,333 $4,545 3.27%
    CORPUS CHRISTI, TX (FHA|USDA|VA) 13 $4,345,000 $334,231 $9,235 3.24%
    Sebastian-Vero Beach, FL (FHA|USDA|VA) 9 $4,095,000 $455,000 $5,800 3.14%
    NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 16 $4,080,000 $255,000 $5,444 3.20%
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 15 $4,035,000 $269,000 $7,277 3.03%
    SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 17 $3,965,000 $233,235 $5,822 3.14%
    LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 14 $3,840,000 $274,286 $5,663 3.48%
    Breckenridge, CO (FHA|USDA|VA) 7 $3,815,000 $545,000 $6,901 3.05%
    BURLINGTON, NC (FHA|USDA|VA) 15 $3,795,000 $253,000 $4,313 3.09%
    SPRINGFIELD, OH (FHA|USDA|VA) 20 $3,740,000 $187,000 $5,716 3.46%
    VALLEJO, CA (FHA|USDA|VA) 9 $3,715,000 $412,778 $9,195 3.29%
    AKRON, OH (FHA|USDA|VA) 17 $3,635,000 $213,824 $5,591 3.33%
    Show Low, AZ (FHA|USDA|VA) 12 $3,480,000 $290,000 $4,873 3.28%
    PUEBLO, CO (FHA|USDA|VA) 13 $3,445,000 $265,000 $4,785 3.28%
    Easton, MD (FHA|USDA|VA) 12 $3,430,000 $285,833 $5,275 3.05%
    PORT ST. LUCIE, FL (FHA|USDA|VA) 13 $3,425,000 $263,462 $4,728 3.07%
    Morehead City, NC (FHA|USDA|VA) 9 $3,425,000 $380,556 $4,141 3.00%
    HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 9 $3,395,000 $377,222 $4,734 3.21%
    CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) 11 $3,385,000 $307,727 $8,117 3.19%
    LEBANON, PA (FHA|USDA|VA) 20 $3,380,000 $169,000 $4,811 3.11%
    ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 15 $3,175,000 $211,667 $5,658 3.12%
    MANCHESTER-NASHUA, NH (FHA|USDA|VA) 10 $2,930,000 $293,000 $4,858 3.01%
    Marion, OH (FHA|USDA|VA) 19 $2,915,000 $153,421 $5,095 3.29%
    Albemarle, NC (FHA|USDA|VA) 11 $2,905,000 $264,091 $5,214 3.32%
    Washington Court House, OH (FHA|USDA|VA) 14 $2,900,000 $207,143 $6,998 3.29%
    HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 10 $2,840,000 $284,000 $6,155 3.10%
    ROANOKE, VA (FHA|USDA|VA) 9 $2,835,000 $315,000 $3,745 3.10%
    Arcadia, FL (FHA|USDA|VA) 13 $2,825,000 $217,308 $5,457 3.24%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 8 $2,820,000 $352,500 $4,943 2.81%
    WENATCHEE, WA (FHA|USDA|VA) 6 $2,760,000 $460,000 $4,363 2.98%
    SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 5 $2,715,000 $543,000 $5,931 2.90%
    LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 10 $2,580,000 $258,000 $5,100 3.24%
    HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 10 $2,550,000 $255,000 $5,037 3.10%
    VINELAND-BRIDGETON, NJ (FHA|USDA|VA) 12 $2,430,000 $202,500 $5,512 3.26%
    SPRINGFIELD, MA (FHA|USDA|VA) 9 $2,395,000 $266,111 $4,323 3.13%
    DECATUR, AL (FHA|USDA|VA) 12 $2,370,000 $197,500 $4,448 3.49%
    PITTSBURGH, PA (FHA|USDA|VA) 12 $2,290,000 $190,833 $6,340 3.23%
    Sanford, NC (FHA|USDA|VA) 11 $2,255,000 $205,000 $3,998 3.08%
    MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 8 $2,220,000 $277,500 $2,350 2.78%
    CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) 7 $2,165,000 $309,286 $9,753 3.11%
    SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 7 $2,155,000 $307,857 $5,555 3.14%
    Edwards, CO (FHA|USDA|VA) 3 $2,135,000 $711,667 $4,018 3.42%
    Brenham, TX (FHA|USDA|VA) 9 $2,115,000 $235,000 $5,036 3.22%
    GOLDSBORO, NC (FHA|USDA|VA) 9 $2,035,000 $226,111 $6,339 3.31%
    JACKSONVILLE, NC (FHA|USDA|VA) 9 $2,015,000 $223,889 $3,932 3.56%
    Payson, AZ (FHA|USDA|VA) 7 $2,005,000 $286,429 $5,527 2.98%
    OCALA, FL (FHA|USDA|VA) 9 $1,915,000 $212,778 $6,006 3.28%
    Urbana, OH (FHA|USDA|VA) 11 $1,905,000 $173,182 $4,326 3.19%
    Mount Vernon, OH (FHA|USDA|VA) 9 $1,865,000 $207,222 $4,104 3.17%
    Kill Devil Hills, NC (FHA|USDA|VA) 6 $1,840,000 $306,667 $3,438 2.65%
    RENO, NV (FHA|USDA|VA) 4 $1,820,000 $455,000 $6,114 3.13%
    COLUMBIA, SC (FHA|USDA|VA) 8 $1,800,000 $225,000 $4,949 3.52%
    MEMPHIS, TN-MS-AR (FHA|USDA|VA) 8 $1,760,000 $220,000 $5,885 3.25%
    Boone, NC (FHA|USDA|VA) 5 $1,735,000 $347,000 $5,534 2.78%
    MORGANTOWN, WV (FHA|USDA|VA) 8 $1,700,000 $212,500 $7,515 3.31%
    EL PASO, TX (FHA|USDA|VA) 10 $1,690,000 $169,000 $5,379 3.34%
    BAKERSFIELD, CA (FHA|USDA|VA) 5 $1,665,000 $333,000 $7,426 3.45%
    SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 7 $1,655,000 $236,429 $4,234 3.04%
    EAST STROUDSBURG, PA (FHA|USDA|VA) 7 $1,625,000 $232,143 $5,296 3.04%
    Shelton, WA (FHA|USDA|VA) 5 $1,595,000 $319,000 $3,147 3.23%
    Shelby, NC (FHA|USDA|VA) 6 $1,540,000 $256,667 $4,238 3.08%
    CaƱon City, CO (FHA|USDA|VA) 5 $1,535,000 $307,000 $4,133 3.15%
    BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 5 $1,515,000 $303,000 $9,973 3.06%
    THE VILLAGES, FL (FHA|USDA|VA) 7 $1,515,000 $216,429 $4,243 2.93%
    Rockingham, NC (FHA|USDA|VA) 11 $1,455,000 $132,273 $4,657 3.31%
    Elkins, WV (FHA|USDA|VA) 11 $1,395,000 $126,818 $4,519 3.18%
    AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 7 $1,365,000 $195,000 $5,247 3.16%
    ROCKY MOUNT, NC (FHA|USDA|VA) 6 $1,360,000 $226,667 $6,648 3.21%
    BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) 5 $1,355,000 $271,000 $6,465 3.50%
    Aberdeen, WA (FHA|USDA|VA) 6 $1,340,000 $223,333 $5,505 3.42%
    BOISE CITY, ID (FHA|USDA|VA) 3 $1,325,000 $441,667 $6,736 3.33%
    SALEM, OR (FHA|USDA|VA) 5 $1,315,000 $263,000 $5,418 3.15%
    TOLEDO, OH (FHA|USDA|VA) 7 $1,275,000 $182,143 $5,831 3.41%
    TWIN FALLS, ID (FHA|USDA|VA) 5 $1,265,000 $253,000 $5,711 3.38%
    SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 2 $1,200,000 $600,000 $10,500 2.88%
    Wooster, OH (FHA|USDA|VA) 6 $1,180,000 $196,667 $3,939 2.83%
    Laurinburg, NC (FHA|USDA|VA) 6 $1,140,000 $190,000 $5,007 3.33%
    Cambridge, MD (FHA|USDA|VA) 7 $1,105,000 $157,857 $6,014 3.50%
    KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 4 $1,100,000 $275,000 $5,253 2.97%
    TALLAHASSEE, FL (FHA|USDA|VA) 4 $1,040,000 $260,000 $4,405 3.06%
    Lumberton, NC (FHA|USDA|VA) 4 $1,030,000 $257,500 $6,441 3.31%
    CUMBERLAND, MD-WV (FHA|USDA|VA) 6 $1,030,000 $171,667 $4,207 3.35%
    Ukiah, CA (FHA|USDA|VA) 2 $1,000,000 $500,000 $9,396 2.63%
    Chillicothe, OH (FHA|USDA|VA) 5 $995,000 $199,000 $8,538 3.28%
    MANSFIELD, OH (FHA|USDA|VA) 5 $985,000 $197,000 $4,513 3.15%
    SALT LAKE CITY, UT (FHA|USDA|VA) 2 $970,000 $485,000 $4,425 3.06%
    PARKERSBURG-VIENNA, WV (FHA|USDA|VA) 6 $950,000 $158,333 $3,590 3.27%
    SEBRING-AVON PARK, FL (FHA|USDA|VA) 4 $940,000 $235,000 $6,280 3.09%
    Zanesville, OH (FHA|USDA|VA) 6 $900,000 $150,000 $4,618 3.06%
    SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 1 $895,000 $895,000 $8,211 2.75%
    KNOXVILLE, TN (FHA|USDA|VA) 3 $885,000 $295,000 $6,054 3.25%
    CHICO, CA (FHA|USDA|VA) 2 $870,000 $435,000 $4,014 3.19%
    GRAND JUNCTION, CO (FHA|USDA|VA) 3 $845,000 $281,667 $2,927 3.25%
    Kerrville, TX (FHA|USDA|VA) 1 $835,000 $835,000 $13,468 3.25%
    YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 4 $820,000 $205,000 $5,370 3.09%
    Outside of Metro Areas 2 $820,000 $410,000 $6,641 3.25%
    GAINESVILLE, FL (FHA|USDA|VA) 3 $815,000 $271,667 $5,168 3.04%
    JOHNSON CITY, TN (FHA|USDA|VA) 2 $800,000 $400,000 $5,633 2.44%
    COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 3 $795,000 $265,000 $4,632 2.75%
    BATON ROUGE, LA (FHA|USDA|VA) 3 $785,000 $261,667 $5,688 3.21%
    PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 3 $765,000 $255,000 $4,243 3.00%
    Athens, OH (FHA|USDA|VA) 3 $765,000 $255,000 $8,194 2.96%
    Portsmouth, OH (FHA|USDA|VA) 3 $765,000 $255,000 $4,055 3.13%
    BLOOMSBURG-BERWICK, PA (FHA|USDA|VA) 6 $750,000 $125,000 $4,143 3.13%
    Pottsville, PA (FHA|USDA|VA) 6 $750,000 $125,000 $5,079 3.10%
    Astoria, OR (FHA|USDA|VA) 2 $740,000 $370,000 $6,898 3.19%
    Bozeman, MT (FHA|USDA|VA) 2 $740,000 $370,000 $3,642 3.06%
    FLORENCE, SC (FHA|USDA|VA) 4 $730,000 $182,500 $6,136 3.19%
    Marion, NC (FHA|USDA|VA) 2 $730,000 $365,000 $3,659 3.31%
    Hailey, ID (FHA|USDA|VA) 2 $730,000 $365,000 $6,317 3.06%
    New Philadelphia-Dover, OH (FHA|USDA|VA) 4 $730,000 $182,500 $4,100 3.47%
    INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 2 $720,000 $360,000 $4,550 3.44%
    NEW BERN, NC (FHA|USDA|VA) 2 $720,000 $360,000 $4,085 3.00%
    VISALIA, CA (FHA|USDA|VA) 2 $700,000 $350,000 $3,537 2.75%
    TULSA, OK (FHA|USDA|VA) 2 $700,000 $350,000 $4,347 3.31%
    MODESTO, CA (FHA|USDA|VA) 2 $690,000 $345,000 $5,363 3.13%
    FRESNO, CA (FHA|USDA|VA) 2 $670,000 $335,000 $9,917 3.44%
    YUMA, AZ (FHA|USDA|VA) 5 $655,000 $131,000 $4,232 3.13%
    St. Marys, GA (FHA|USDA|VA) 2 $650,000 $325,000 $3,496 2.88%
    Vineyard Haven, MA (FHA|USDA|VA) 1 $635,000 $635,000 $10,774 3.50%
    Gaffney, SC (FHA|USDA|VA) 3 $625,000 $208,333 $4,011 3.29%
    Sterling, CO (FHA|USDA|VA) 2 $620,000 $310,000 $4,077 3.19%
    LOUISVILLE/JEFFERSON COUNTY, KY-IN (FHA|USDA|VA) 2 $620,000 $310,000 $6,776 3.00%
    Pullman, WA (FHA|USDA|VA) 2 $620,000 $310,000 $7,546 3.00%
    FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) 1 $615,000 $615,000 $5,908 2.75%
    Coshocton, OH (FHA|USDA|VA) 4 $610,000 $152,500 $3,922 3.31%
    SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 1 $595,000 $595,000 $5,242 3.25%
    BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 3 $595,000 $198,333 $4,227 3.29%
    Ellensburg, WA (FHA|USDA|VA) 2 $590,000 $295,000 $3,690 2.63%
    Sidney, OH (FHA|USDA|VA) 3 $585,000 $195,000 $4,495 3.25%
    ANN ARBOR, MI (FHA|USDA|VA) 1 $585,000 $585,000 $18,309 3.38%
    MEDFORD, OR (FHA|USDA|VA) 2 $580,000 $290,000 $4,794 2.94%
    Centralia, WA (FHA|USDA|VA) 2 $580,000 $290,000 $4,081 2.75%
    Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 2 $570,000 $285,000 $5,636 3.13%
    Brevard, NC (FHA|USDA|VA) 2 $570,000 $285,000 $2,467 3.13%
    Fort Payne, AL (FHA|USDA|VA) 4 $570,000 $142,500 $4,141 3.19%
    Heber, UT (FHA|USDA|VA) 1 $545,000 $545,000 $3,488 2.88%
    KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 1 $545,000 $545,000 $4,498 3.00%
    Durango, CO (FHA|USDA|VA) 2 $530,000 $265,000 $8,273 3.69%
    SALINAS, CA (FHA|USDA|VA) 1 $525,000 $525,000 $28,697 2.88%
    Georgetown, SC (FHA|USDA|VA) 2 $520,000 $260,000 $3,654 3.31%
    PANAMA CITY, FL (FHA|USDA|VA) 1 $505,000 $505,000 $6,696 3.00%
    Ashland, OH (FHA|USDA|VA) 2 $480,000 $240,000 $4,826 3.00%
    Laconia, NH (FHA|USDA|VA) 2 $460,000 $230,000 $4,178 2.88%
    LONGVIEW, WA (FHA|USDA|VA) 2 $460,000 $230,000 $4,333 3.38%
    Steamboat Springs, CO (FHA|USDA|VA) 1 $455,000 $455,000 $12,528 3.25%
    Bellefontaine, OH (FHA|USDA|VA) 2 $440,000 $220,000 $9,252 3.38%
    Lebanon, NH-VT (FHA|USDA|VA) 2 $440,000 $220,000 $5,987 3.44%
    PEORIA, IL (FHA|USDA|VA) 2 $430,000 $215,000 $4,660 2.88%
    Mount Airy, NC (FHA|USDA|VA) 2 $420,000 $210,000 $6,024 2.81%
    Tullahoma-Manchester, TN (FHA|USDA|VA) 2 $420,000 $210,000 $4,963 3.63%
    Rexburg, ID (FHA|USDA|VA) 1 $415,000 $415,000 $4,431 3.00%
    VALDOSTA, GA (FHA|USDA|VA) 2 $390,000 $195,000 $6,989 3.38%
    PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 2 $390,000 $195,000 $3,083 3.31%
    Torrington, CT (FHA|USDA|VA) 2 $390,000 $195,000 $3,892 3.25%
    Selma, AL (FHA|USDA|VA) 1 $385,000 $385,000 $3,308 3.13%
    Cullman, AL (FHA|USDA|VA) 2 $380,000 $190,000 $3,201 2.88%
    LEWISTON, ID-WA (FHA|USDA|VA) 1 $375,000 $375,000 $7,800 2.88%
    Truckee-Grass Valley, CA (FHA|USDA|VA) 1 $375,000 $375,000 $14,243 2.88%
    Concord, NH (FHA|USDA|VA) 1 $365,000 $365,000 $3,907 3.38%
    Wilmington, OH (FHA|USDA|VA) 2 $360,000 $180,000 $7,772 3.31%
    GADSDEN, AL (FHA|USDA|VA) 2 $350,000 $175,000 $2,430 3.06%
    Scottsboro, AL (FHA|USDA|VA) 2 $350,000 $175,000 $6,467 3.25%
    Nogales, AZ (FHA|USDA|VA) 2 $350,000 $175,000 $6,138 3.50%
    SAVANNAH, GA (FHA|USDA|VA) 1 $345,000 $345,000 $5,526 3.13%
    MADISON, WI (FHA|USDA|VA) 1 $345,000 $345,000 $5,400 3.00%
    Seneca, SC (FHA|USDA|VA) 1 $345,000 $345,000 $5,154 3.25%
    YAKIMA, WA (FHA|USDA|VA) 2 $340,000 $170,000 $5,019 3.06%
    Salem, OH (FHA|USDA|VA) 1 $335,000 $335,000 $4,455 3.13%
    Forest City, NC (FHA|USDA|VA) 2 $330,000 $165,000 $5,438 3.19%
    MERCED, CA (FHA|USDA|VA) 1 $325,000 $325,000 $3,961 3.38%
    Glenwood Springs, CO (FHA|USDA|VA) 1 $315,000 $315,000 $3,769 3.25%
    Hermiston-Pendleton, OR (FHA|USDA|VA) 1 $315,000 $315,000 $10,108 3.13%
    Cullowhee, NC (FHA|USDA|VA) 2 $310,000 $155,000 $3,137 3.44%
    GULFPORT-BILOXI, MS (FHA|USDA|VA) 3 $305,000 $101,667 $3,929 3.54%
    Mount Pleasant, TX (FHA|USDA|VA) 1 $305,000 $305,000 $8,204 2.75%
    WARNER ROBINS, GA (FHA|USDA|VA) 1 $275,000 $275,000 $7,665 3.00%
    Findlay, OH (FHA|USDA|VA) 1 $275,000 $275,000 $3,865 3.13%
    SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 1 $275,000 $275,000 $7,722 3.13%
    DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 1 $265,000 $265,000 $8,752 3.50%
    Huntingdon, PA (FHA|USDA|VA) 1 $265,000 $265,000 $5,833 3.63%
    ROCKFORD, IL (FHA|USDA|VA) 1 $265,000 $265,000 $10,968 3.75%
    Gardnerville Ranchos, NV (FHA|USDA|VA) 1 $255,000 $255,000 $4,168 2.75%
    LAREDO, TX (FHA|USDA|VA) 1 $255,000 $255,000 $8,381 3.25%
    Fairmont, WV (FHA|USDA|VA) 1 $255,000 $255,000 $3,564 2.63%
    Marietta, OH (FHA|USDA|VA) 1 $245,000 $245,000 $3,978 3.25%
    Ada, OK (FHA|USDA|VA) 1 $245,000 $245,000 $3,779 3.13%
    PITTSFIELD, MA (FHA|USDA|VA) 1 $225,000 $225,000 $5,514 3.13%
    Laramie, WY (FHA|USDA|VA) 1 $225,000 $225,000 $3,746 3.13%
    Henderson, NC (FHA|USDA|VA) 1 $225,000 $225,000 $3,111 3.13%
    Whitewater, WI (FHA|USDA|VA) 1 $225,000 $225,000 $2,719 2.75%
    Roseburg, OR (FHA|USDA|VA) 1 $225,000 $225,000 $4,744 3.25%
    ALBUQUERQUE, NM (FHA|USDA|VA) 1 $225,000 $225,000 $3,213 2.63%
    LEWISTON-AUBURN, ME (FHA|USDA|VA) 1 $205,000 $205,000 $5,755 3.50%
    Troy, AL (FHA|USDA|VA) 1 $205,000 $205,000 $8,674 3.50%
    BILLINGS, MT (FHA|USDA|VA) 1 $195,000 $195,000 $4,504 3.25%
    KILLEEN-TEMPLE, TX (FHA|USDA|VA) 1 $185,000 $185,000 $5,079 3.25%
    SIOUX FALLS, SD (FHA|USDA|VA) 1 $185,000 $185,000 $3,276 3.00%
    JACKSON, TN (FHA|USDA|VA) 1 $185,000 $185,000 $7,384 3.75%
    LUBBOCK, TX (FHA|USDA|VA) 1 $185,000 $185,000 $6,774 3.38%
    Newport, TN (FHA|USDA|VA) 1 $175,000 $175,000 $6,252 3.38%
    Sault Ste. Marie, MI (FHA|USDA|VA) 1 $175,000 $175,000 $0 3.38%
    Kinston, NC (FHA|USDA|VA) 1 $175,000 $175,000 $2,859 2.38%
    Mount Pleasant, MI (FHA|USDA|VA) 1 $165,000 $165,000 $1,667 2.75%
    YUBA CITY, CA (FHA|USDA|VA) 1 $165,000 $165,000 $4,963 3.99%
    Silver City, NM (FHA|USDA|VA) 1 $165,000 $165,000 $10,034 3.63%
    Wauchula, FL (FHA|USDA|VA) 1 $155,000 $155,000 $7,331 3.13%
    WALLA WALLA, WA (FHA|USDA|VA) 1 $155,000 $155,000 $4,189 3.38%
    Newport, OR (FHA|USDA|VA) 1 $155,000 $155,000 $5,065 3.38%
    Jackson, OH (FHA|USDA|VA) 1 $155,000 $155,000 $3,829 3.25%
    DuBois, PA (FHA|USDA|VA) 1 $155,000 $155,000 $3,513 3.13%
    Bennington, VT (FHA|USDA|VA) 1 $155,000 $155,000 $3,277 3.00%
    AMARILLO, TX (FHA|USDA|VA) 1 $145,000 $145,000 $5,217 2.63%
    North Wilkesboro, NC (FHA|USDA|VA) 1 $145,000 $145,000 $4,757 2.88%
    Athens, TX (FHA|USDA|VA) 1 $145,000 $145,000 $4,447 3.38%
    SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) 1 $145,000 $145,000 $4,496 3.00%
    Alma, MI (FHA|USDA|VA) 1 $145,000 $145,000 $1,063 2.88%
    Tupelo, MS (FHA|USDA|VA) 1 $135,000 $135,000 $6,117 3.63%
    MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 1 $135,000 $135,000 $4,621 3.13%
    Bucyrus-Galion, OH (FHA|USDA|VA) 1 $125,000 $125,000 $8,106 3.63%
    Danville, VA (FHA|USDA|VA) 1 $125,000 $125,000 $5,855 3.50%
    Fremont, OH (FHA|USDA|VA) 1 $125,000 $125,000 $3,400 3.25%
    LONGVIEW, TX (FHA|USDA|VA) 1 $115,000 $115,000 $4,300 3.13%
    MIDLAND, MI (FHA|USDA|VA) 1 $115,000 $115,000 $1,264 3.25%
    JOHNSTOWN, PA (FHA|USDA|VA) 1 $115,000 $115,000 $5,125 3.38%
    TUSCALOOSA, AL (FHA|USDA|VA) 1 $115,000 $115,000 $6,054 3.38%
    Cambridge, OH (FHA|USDA|VA) 1 $115,000 $115,000 $4,950 3.88%
    WEIRTON-STEUBENVILLE, WV-OH (FHA|USDA|VA) 1 $105,000 $105,000 $6,389 3.13%
    OKLAHOMA CITY, OK (FHA|USDA|VA) 1 $105,000 $105,000 $5,321 3.63%
    WHEELING, WV-OH (FHA|USDA|VA) 1 $95,000 $95,000 $4,102 2.50%
    Fitzgerald, GA (FHA|USDA|VA) 1 $95,000 $95,000 $3,793 2.75%
    VICTORIA, TX (FHA|USDA|VA) 1 $95,000 $95,000 $2,773 3.25%
    ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 1 $85,000 $85,000 $4,416 2.63%
    Fort Polk South, LA (FHA|USDA|VA) 1 $85,000 $85,000 $3,440 3.25%
    Bluefield, WV-VA (FHA|USDA|VA) 1 $85,000 $85,000 $4,958 3.63%
    MOBILE, AL (FHA|USDA|VA) 1 $65,000 $65,000 $1,081 3.75%

    Nfm 's top markets include Washington, Baltimore, Phoenix, Seattle, and Columbus among others.

    Similar Lenders

    We use machine learning to identify the top lenders compared against NFM based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    POINT BREEZE
    Similarity Rank: 63
    Middlesex Savings Bank
    Similarity Rank: 174
    First Credit Union
    Similarity Rank: 180
    PARK VIEW FEDERAL CREDIT UNION
    Similarity Rank: 245
    Foote Capital Mortgage Company
    Similarity Rank: 266
    Northern Bank & Trust Company
    Similarity Rank: 288
    DUPONT COMMUNITY
    Similarity Rank: 294
    Bridgewater Savings Bank
    Similarity Rank: 329
    CAROLINA FOOTHILLS
    Similarity Rank: 484
    ARIZONA CENTRAL
    Similarity Rank: 506

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 22,501 $7,581,605,000 $336,945 $5,074 3.09%
    FHA 2,856 $837,770,000 $293,337 $9,974 3.24%
    VA 1,813 $693,275,000 $382,391 $9,148 2.94%
    USDA 189 $40,285,000 $213,148 $6,152 3.23%

    For 2021, Nfm 's most frequently originated type of loan was Conventional, with 22,501 originations. Their 2nd most popular type was FHA, with 2,856 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 16,670 $5,829,530,000 $349,702 $6,568 3.16%
    Refi 7,193 $2,237,315,000 $311,041 $4,501 2.92%
    Cash Out Refi 3,496 $1,086,090,000 $310,666 $5,324 3.21%

    For 2021, Nfm 's most frequently cited loan purpose was Home Purchase, with 16,670 originations. The 2nd most popular reason was Refi, with 7,193 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 24,507 $8,408,845,000 $343,120 $6,061 3.15%
    15 Year 1,581 $404,805,000 $256,044 $4,158 2.56%
    20 Year 791 $213,855,000 $270,360 $4,238 2.90%
    Other 371 $105,035,000 $283,113 $4,324 2.96%
    10 Year 109 $20,395,000 $187,110 $3,852 2.47%

    For 2021, Nfm 's most frequently cited loan duration was 30 Year, with 24,507 originations. The 2nd most popular length was 15 Year, with 1,581 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 16,191 $5,348,675,000 $330,349
    $2k-3k 3,520 $990,870,000 $281,497
    $5k+ 2,318 $1,078,190,000 $465,138
    $3k-4k 2,124 $656,000,000 $308,851
    $<1k 1,741 $585,155,000 $336,103
    $4k-5k 1,325 $458,305,000 $345,891

    Nfm 's average total fees were $6,061, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 16,191 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 15,086 $4,858,200,000 $322,034
    2.5-3% 10,230 $3,682,480,000 $359,969
    <2.5% 1,593 $507,015,000 $318,277
    4-5% 421 $99,525,000 $236,401
    5-6% 15 $2,025,000 $135,000

    During 2021, Nfm 's average interest rate for loans was 3.15%, while their most frequently originated rate bucket for loans was 3-4%, with 15,086 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 14,583 $4,243,815,000 $291,011 $5,627 3.10%
    $400k-600k 5,701 $2,748,875,000 $482,174 $6,888 3.05%
    $100k-200k 4,906 $785,800,000 $160,171 $4,409 3.16%
    $600k-1MM 1,432 $1,042,460,000 $727,975 $8,883 3.05%
    $100,000 or less 522 $42,820,000 $82,031 $3,742 3.28%
    $1MM+ 215 $289,165,000 $1,344,953 $12,617 3.01%

    2021 saw Nfm place emphasis on $200k-400k loans with 14,583 originations, totaling $4,243,815,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 6,610 $2,375,030,000 $359,309 $5,975 3.10%
    $50k-75k 6,303 $1,608,995,000 $255,274 $5,692 3.13%
    $75k-100k 5,357 $1,645,015,000 $307,078 $5,984 3.11%
    $150k-250k 4,355 $1,924,475,000 $441,900 $6,069 3.06%
    $50k or less 3,001 $604,405,000 $201,401 $4,978 3.12%
    $250k+ 1,687 $978,835,000 $580,222 $6,848 3.07%

    Nfm lent most frequently to those with incomes in the $100k-150k range, with 6,610 originations. The second most popular income band? $50k-75k, with 6,303 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 5,470 $1,815,010,000 $331,812 $5,211 3.04%
    30-36% 4,886 $1,634,510,000 $334,529 $5,546 3.10%
    <20% 1,633 $531,935,000 $325,741 $4,633 2.96%
    50-60% 1,283 $423,985,000 $330,464 $10,149 3.18%
    44% 1,273 $414,305,000 $325,456 $5,949 3.17%
    43% 1,161 $381,685,000 $328,755 $5,896 3.17%
    42% 1,146 $400,080,000 $349,110 $6,043 3.17%
    41% 1,118 $385,820,000 $345,098 $5,951 3.15%
    40% 1,037 $346,415,000 $334,055 $5,725 3.14%
    38% 1,034 $356,700,000 $344,971 $5,721 3.13%
    39% 1,011 $346,005,000 $342,240 $5,884 3.15%
    37% 994 $341,730,000 $343,793 $5,871 3.13%
    45% 910 $300,250,000 $329,945 $6,130 3.19%
    49% 890 $295,420,000 $331,933 $6,599 3.13%
    36% 869 $295,385,000 $339,914 $5,655 3.12%
    47% 776 $256,010,000 $329,910 $6,304 3.11%
    46% 754 $248,740,000 $329,894 $6,165 3.12%
    48% 751 $256,855,000 $342,017 $6,488 3.13%
    >60% 32 $11,830,000 $369,688 $9,335 3.12%

    Nfm lent most frequently to those with DTI ratios of 20-30%, with 5,470 originations. The next most common DTI ratio? 30-36%, with 4,886 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 19,250 $6,399,820,000 $332,458 $5,708 3.09%
    Not provided 3,141 $1,071,985,000 $341,288 $5,995 3.10%
    Black 2,337 $728,605,000 $311,769 $7,066 3.21%
    Asian 1,471 $585,115,000 $397,767 $6,017 3.07%
    Native Hawaiian or Islander 973 $308,665,000 $317,230 $5,393 3.03%
    American Indian 178 $55,080,000 $309,438 $6,270 3.15%
    Japanese 1 $1,205,000 $1,205,000 $5,535 2.88%
    Other Asian 2 $550,000 $275,000 $6,779 2.75%
    Asian Indian 1 $545,000 $545,000 $4,864 3.25%
    Filipino 1 $485,000 $485,000 $2,990 3.13%
    Korean 1 $295,000 $295,000 $0 3.13%
    Other Pacific Islander 1 $295,000 $295,000 $10,635 3.13%
    Vietnamese 1 $195,000 $195,000 $8,198 3.13%
    1 $95,000 $95,000 $4,917 3.13%

    Approval Rates

    Total approvals of all applications
    98.03%

    Nfm has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.

    Pick Rate

    Approvals leading to origination
    85.91%

    Nfm has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 27,359 $9,152,935,000 $334,549

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    27,359 $9,152,935,000 $334,549

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 752 $168,490,000 $224,056 $4,128 2.87%
    40-60% 2,964 $888,020,000 $299,602 $4,295 2.92%
    60-80% 9,464 $3,275,650,000 $346,117 $5,148 3.11%
    80-100% 13,567 $4,601,145,000 $339,142 $6,446 3.15%
    Over 100% 535 $209,435,000 $391,467 $15,047 3.00%
    Under 20% 77 $10,195,000 $132,403 $3,653 3.53%