Nfm Mortgage Rates, Fees & Info

LINTHICUM, MD

LEI: 549300MCIFZSDHUT8X63

Tax ID: 52-2102740

1.5 stars - out of 5 stars, based on 140 reviews

Latest/2022 | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

Review & Overview

Nfm is a mid-sized mortgage company specializing in Home Purchase 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, Columbus, and Philadelphia among others. We have data for 425 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 a high 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 relatively high 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 6.83% 6/4/23
30 Year Conventional Refi 6.69% 6/4/23
30 Year Cash-out Refi 6.95% 6/4/23
30 Year FHA Purchase 7.54% 6/4/23
30 Year FHA Refi 7.24% 6/4/23
30 Year VA Purchase 6.34% 6/4/23
30 Year VA Refi 5.91% 6/4/23
30 Year USDA Purchase 7.04% 6/4/23
15 Year Conventional Purchase 6.21% 6/4/23
15 Year Conventional Refi 6.21% 6/4/23
15 Year Cash-out Refi 6.21% 6/4/23
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.

Nfm Mortgage Calculator






Your Estimates

Estimated Loan Payment: Update the calculator values and click calculate payment!

This is not an official calculator from Nfm. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

The default purchase price is the median sales price across the US for 2022Q4, per FRED.


Originations

19,503

Origination Dollar Volume (All Markets)

$6,988,795,000
Show all (5) awards

Relative Rate

Nfm's average 30 year fixed mortgage rate was 5.18%.

The 2022 average 30 year fixed rate mortgage across all markets and lenders was 4.76%.

This yields a difference of 0.42%.

Relative Fees (Closing Costs)

Nfm's average total fees/closing costs for a 30 year fixed rate mortgage were $8,745.

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) 1,903 $872,355,000 $458,410 $9,576 4.94%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 1,399 $470,495,000 $336,308 $8,496 5.06%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 1,072 $416,770,000 $388,778 $8,571 4.90%
COLUMBUS, OH (FHA|USDA|VA) 1,474 $406,520,000 $275,794 $7,743 5.33%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 1,279 $376,635,000 $294,476 $8,536 5.19%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 669 $374,655,000 $560,022 $9,995 4.82%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 592 $293,170,000 $495,220 $10,188 4.93%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 861 $291,905,000 $339,030 $7,969 5.04%
RICHMOND, VA (FHA|USDA|VA) 886 $287,380,000 $324,357 $7,742 5.23%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 679 $269,405,000 $396,767 $7,840 5.02%
COLORADO SPRINGS, CO (FHA|USDA|VA) 388 $162,180,000 $417,990 $8,494 4.94%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 225 $154,095,000 $684,867 $11,773 4.90%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 216 $106,270,000 $491,991 $10,766 4.98%
RALEIGH-CARY, NC (FHA|USDA|VA) 283 $101,065,000 $357,120 $8,075 4.88%
Outside of Metro Areas 356 $100,920,000 $283,483 $8,349 5.36%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 254 $85,660,000 $337,244 $7,770 5.32%
SALISBURY, MD-DE (FHA|USDA|VA) 255 $80,195,000 $314,490 $7,789 5.28%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 229 $79,745,000 $348,231 $9,462 4.97%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 165 $76,635,000 $464,455 $7,735 4.96%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 159 $74,045,000 $465,692 $9,028 5.00%
DOVER, DE (FHA|USDA|VA) 248 $73,160,000 $295,000 $9,253 5.32%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 235 $69,905,000 $297,468 $8,808 6.12%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 189 $65,015,000 $343,995 $7,439 5.30%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 132 $63,520,000 $481,212 $10,213 5.34%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 145 $59,915,000 $413,207 $11,760 5.57%
FAYETTEVILLE, NC (FHA|USDA|VA) 235 $54,105,000 $230,234 $8,215 4.94%
YORK-HANOVER, PA (FHA|USDA|VA) 241 $53,795,000 $223,216 $8,255 5.04%
Pinehurst-Southern Pines, NC (FHA|USDA|VA) 156 $52,670,000 $337,628 $7,428 4.79%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 104 $41,400,000 $398,077 $11,990 5.20%
CHARLOTTESVILLE, VA (FHA|USDA|VA) 123 $39,505,000 $321,179 $7,112 4.97%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 101 $36,435,000 $360,743 $11,466 6.12%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 102 $33,100,000 $324,510 $10,007 5.70%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 107 $31,295,000 $292,477 $10,710 5.80%
TWIN FALLS, ID (FHA|USDA|VA) 94 $30,390,000 $323,298 $9,283 5.05%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 59 $29,175,000 $494,492 $9,845 5.50%
STOCKTON, CA (FHA|USDA|VA) 46 $28,150,000 $611,957 $9,842 4.49%
GREELEY, CO (FHA|USDA|VA) 63 $25,825,000 $409,921 $11,876 5.13%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 77 $25,745,000 $334,351 $8,598 5.08%
Steamboat Springs, CO (FHA|USDA|VA) 47 $25,495,000 $542,447 $8,386 5.16%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 107 $23,285,000 $217,617 $6,000 5.14%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 64 $22,580,000 $352,813 $9,298 5.21%
WINSTON-SALEM, NC (FHA|USDA|VA) 96 $22,380,000 $233,125 $6,432 5.49%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 106 $21,750,000 $205,189 $7,703 5.64%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 48 $21,330,000 $444,375 $8,594 5.64%
DAYTON-KETTERING, OH (FHA|USDA|VA) 99 $20,815,000 $210,253 $7,320 5.60%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 44 $20,280,000 $460,909 $12,058 5.16%
HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 67 $18,415,000 $274,851 $8,697 4.84%
WORCESTER, MA-CT (FHA|USDA|VA) 57 $18,055,000 $316,754 $8,290 5.41%
PORT ST. LUCIE, FL (FHA|USDA|VA) 53 $17,915,000 $338,019 $10,864 5.99%
BOULDER, CO (FHA|USDA|VA) 33 $17,825,000 $540,152 $10,924 5.19%
OCEAN CITY, NJ (FHA|USDA|VA) 27 $16,175,000 $599,074 $9,122 4.79%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 40 $15,900,000 $397,500 $8,502 5.80%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 55 $15,615,000 $283,909 $10,287 5.20%
ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 54 $15,070,000 $279,074 $7,508 4.90%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 42 $14,850,000 $353,571 $7,737 4.61%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 62 $14,590,000 $235,323 $6,243 4.96%
STAUNTON, VA (FHA|USDA|VA) 56 $14,290,000 $255,179 $6,705 5.42%
JACKSONVILLE, FL (FHA|USDA|VA) 40 $13,960,000 $349,000 $8,064 5.37%
VALLEJO, CA (FHA|USDA|VA) 26 $13,910,000 $535,000 $15,581 5.09%
FORT COLLINS, CO (FHA|USDA|VA) 28 $13,240,000 $472,857 $10,138 4.90%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 26 $12,940,000 $497,692 $14,237 5.42%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 18 $12,490,000 $693,889 $12,527 4.88%
TUCSON, AZ (FHA|USDA|VA) 40 $12,090,000 $302,250 $7,972 4.79%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 37 $12,025,000 $325,000 $6,562 6.23%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 18 $11,300,000 $627,778 $10,395 5.04%
PUEBLO, CO (FHA|USDA|VA) 40 $11,280,000 $282,000 $8,829 4.96%
WINCHESTER, VA-WV (FHA|USDA|VA) 33 $11,175,000 $338,636 $8,507 5.08%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 36 $10,980,000 $305,000 $9,083 5.32%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 38 $10,960,000 $288,421 $7,926 5.38%
SPARTANBURG, SC (FHA|USDA|VA) 42 $10,930,000 $260,238 $7,693 5.10%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 25 $10,745,000 $429,800 $10,448 5.19%
KNOXVILLE, TN (FHA|USDA|VA) 34 $10,300,000 $302,941 $8,936 5.88%
RENO, NV (FHA|USDA|VA) 24 $10,050,000 $418,750 $13,623 5.83%
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 22 $9,260,000 $420,909 $11,216 5.15%
LANCASTER, PA (FHA|USDA|VA) 38 $9,110,000 $239,737 $8,165 4.74%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 36 $9,100,000 $252,778 $9,050 5.56%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 34 $9,020,000 $265,294 $5,597 4.83%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 36 $8,880,000 $246,667 $9,586 5.70%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 9 $8,765,000 $973,889 $14,166 5.31%
WARNER ROBINS, GA (FHA|USDA|VA) 41 $8,715,000 $212,561 $6,664 5.68%
PUNTA GORDA, FL (FHA|USDA|VA) 25 $8,675,000 $347,000 $8,827 4.92%
ROCKY MOUNT, NC (FHA|USDA|VA) 38 $8,630,000 $227,105 $7,513 5.38%
TOLEDO, OH (FHA|USDA|VA) 47 $8,465,000 $180,106 $6,173 6.33%
HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 42 $8,370,000 $199,286 $7,331 4.79%
MODESTO, CA (FHA|USDA|VA) 16 $8,360,000 $522,500 $16,565 5.02%
AKRON, OH (FHA|USDA|VA) 45 $7,625,000 $169,444 $7,057 5.69%
GETTYSBURG, PA (FHA|USDA|VA) 30 $7,470,000 $249,000 $8,209 4.90%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 25 $6,945,000 $277,800 $8,565 5.20%
SPRINGFIELD, OH (FHA|USDA|VA) 39 $6,745,000 $172,949 $6,787 5.34%
BURLINGTON, NC (FHA|USDA|VA) 21 $6,395,000 $304,524 $7,285 4.98%
VINELAND-BRIDGETON, NJ (FHA|USDA|VA) 26 $5,630,000 $216,538 $8,158 5.68%
Sevierville, TN (FHA|USDA|VA) 11 $5,585,000 $507,727 $11,377 5.94%
CANTON-MASSILLON, OH (FHA|USDA|VA) 31 $5,555,000 $179,194 $6,239 5.61%
MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) 13 $5,465,000 $420,385 $9,287 4.90%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 20 $5,440,000 $272,000 $7,081 4.51%
CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) 21 $5,285,000 $251,667 $8,980 5.12%
BELLINGHAM, WA (FHA|USDA|VA) 13 $5,255,000 $404,231 $8,090 5.35%
BARNSTABLE TOWN, MA (FHA|USDA|VA) 12 $5,230,000 $435,833 $9,133 4.65%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 19 $5,165,000 $271,842 $6,370 5.77%
Oak Harbor, WA (FHA|USDA|VA) 9 $5,095,000 $566,111 $11,278 5.43%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 14 $5,090,000 $363,571 $12,434 4.93%
BOISE CITY, ID (FHA|USDA|VA) 14 $4,980,000 $355,714 $9,155 5.54%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 19 $4,975,000 $261,842 $6,290 5.89%
LYNCHBURG, VA (FHA|USDA|VA) 22 $4,950,000 $225,000 $6,172 5.20%
Craig, CO (FHA|USDA|VA) 23 $4,905,000 $213,261 $6,853 5.54%
READING, PA (FHA|USDA|VA) 20 $4,800,000 $240,000 $8,184 5.01%
Key West, FL (FHA|USDA|VA) 7 $4,655,000 $665,000 $17,391 6.00%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 18 $4,330,000 $240,556 $8,583 5.76%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 11 $4,275,000 $388,636 $10,497 5.36%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 7 $4,255,000 $607,857 $12,942 3.98%
Mount Vernon, OH (FHA|USDA|VA) 16 $4,250,000 $265,625 $8,211 5.28%
SHERMAN-DENISON, TX (FHA|USDA|VA) 8 $4,090,000 $511,250 $15,843 5.27%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 10 $4,060,000 $406,000 $7,956 4.70%
TRENTON-PRINCETON, NJ (FHA|USDA|VA) 14 $3,930,000 $280,714 $8,042 4.93%
NORWICH-NEW LONDON, CT (FHA|USDA|VA) 16 $3,880,000 $242,500 $9,174 5.09%
Urbana, OH (FHA|USDA|VA) 18 $3,760,000 $208,889 $9,045 5.73%
OCALA, FL (FHA|USDA|VA) 11 $3,725,000 $338,636 $9,778 5.78%
FLAGSTAFF, AZ (FHA|USDA|VA) 8 $3,550,000 $443,750 $11,046 5.28%
Marion, OH (FHA|USDA|VA) 20 $3,490,000 $174,500 $5,632 5.44%
Shelton, WA (FHA|USDA|VA) 10 $3,490,000 $349,000 $6,921 5.41%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 10 $3,440,000 $344,000 $8,085 5.43%
WILMINGTON, NC (FHA|USDA|VA) 9 $3,295,000 $366,111 $6,797 5.10%
Aberdeen, WA (FHA|USDA|VA) 12 $3,290,000 $274,167 $7,719 5.47%
Rockport, TX (FHA|USDA|VA) 11 $3,285,000 $298,636 $7,745 4.42%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 9 $3,275,000 $363,889 $10,668 5.33%
SALT LAKE CITY, UT (FHA|USDA|VA) 9 $3,275,000 $363,889 $7,671 5.75%
CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) 11 $3,265,000 $296,818 $11,025 5.43%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 12 $3,140,000 $261,667 $7,785 5.42%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 10 $3,070,000 $307,000 $7,896 4.89%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 13 $3,055,000 $235,000 $8,145 6.07%
Vineyard Haven, MA (FHA|USDA|VA) 1 $2,995,000 $2,995,000 $0 5.50%
EAST STROUDSBURG, PA (FHA|USDA|VA) 13 $2,895,000 $222,692 $8,554 5.02%
Durant, OK (FHA|USDA|VA) 12 $2,880,000 $240,000 $8,218 5.94%
TULSA, OK (FHA|USDA|VA) 9 $2,875,000 $319,444 $9,247 5.50%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 8 $2,870,000 $358,750 $9,068 5.11%
Arcadia, FL (FHA|USDA|VA) 11 $2,835,000 $257,727 $8,634 5.05%
JACKSONVILLE, NC (FHA|USDA|VA) 10 $2,830,000 $283,000 $6,456 5.36%
Moses Lake, WA (FHA|USDA|VA) 11 $2,825,000 $256,818 $6,511 4.61%
NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 10 $2,810,000 $281,000 $7,100 5.46%
Show Low, AZ (FHA|USDA|VA) 7 $2,805,000 $400,714 $5,151 4.86%
Cambridge, MD (FHA|USDA|VA) 11 $2,665,000 $242,273 $8,190 5.19%
Washington Court House, OH (FHA|USDA|VA) 14 $2,630,000 $187,857 $7,425 5.54%
HARRISONBURG, VA (FHA|USDA|VA) 8 $2,610,000 $326,250 $6,419 5.25%
PITTSBURGH, PA (FHA|USDA|VA) 12 $2,590,000 $215,833 $7,299 5.07%
ASHEVILLE, NC (FHA|USDA|VA) 6 $2,470,000 $411,667 $8,127 4.90%
MOBILE, AL (FHA|USDA|VA) 11 $2,465,000 $224,091 $6,101 5.36%
BAKERSFIELD, CA (FHA|USDA|VA) 6 $2,420,000 $403,333 $10,795 4.94%
SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 14 $2,420,000 $172,857 $6,245 4.76%
MANSFIELD, OH (FHA|USDA|VA) 10 $2,400,000 $240,000 $10,316 5.99%
MORGANTOWN, WV (FHA|USDA|VA) 12 $2,390,000 $199,167 $6,276 4.76%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 8 $2,370,000 $296,250 $9,925 5.31%
COLUMBIA, SC (FHA|USDA|VA) 9 $2,345,000 $260,556 $7,411 5.60%
Clarksburg, WV (FHA|USDA|VA) 13 $2,345,000 $180,385 $7,553 5.41%
Sebastian-Vero Beach, FL (FHA|USDA|VA) 8 $2,330,000 $291,250 $9,982 5.78%
Jefferson, GA (FHA|USDA|VA) 6 $2,240,000 $373,333 $10,702 6.08%
Rockingham, NC (FHA|USDA|VA) 13 $2,115,000 $162,692 $4,718 4.94%
Zanesville, OH (FHA|USDA|VA) 10 $2,080,000 $208,000 $8,268 5.61%
Wilson, NC (FHA|USDA|VA) 12 $2,080,000 $173,333 $7,838 5.86%
GOLDSBORO, NC (FHA|USDA|VA) 9 $2,075,000 $230,556 $9,879 4.69%
PANAMA CITY, FL (FHA|USDA|VA) 6 $2,060,000 $343,333 $8,748 5.96%
Easton, MD (FHA|USDA|VA) 7 $2,015,000 $287,857 $9,918 5.18%
SAVANNAH, GA (FHA|USDA|VA) 8 $1,990,000 $248,750 $7,541 5.94%
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 7 $1,975,000 $282,143 $5,987 5.36%
Kill Devil Hills, NC (FHA|USDA|VA) 5 $1,925,000 $385,000 $7,349 4.38%
YAKIMA, WA (FHA|USDA|VA) 4 $1,910,000 $477,500 $13,426 5.19%
Burley, ID (FHA|USDA|VA) 7 $1,895,000 $270,714 $8,388 4.84%
ROANOKE, VA (FHA|USDA|VA) 7 $1,885,000 $269,286 $6,931 5.23%
WENATCHEE, WA (FHA|USDA|VA) 3 $1,885,000 $628,333 $5,622 3.92%
BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) 4 $1,880,000 $470,000 $4,933 5.38%
MACON-BIBB COUNTY, GA (FHA|USDA|VA) 8 $1,870,000 $233,750 $8,698 6.05%
Outside of Metro Areas 4 $1,860,000 $465,000 $7,807 4.84%
Edwards, CO (FHA|USDA|VA) 3 $1,845,000 $615,000 $4,518 4.17%
Truckee-Grass Valley, CA (FHA|USDA|VA) 4 $1,820,000 $455,000 $14,338 5.28%
KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 5 $1,815,000 $363,000 $6,758 5.15%
Fernley, NV (FHA|USDA|VA) 6 $1,800,000 $300,000 $10,729 6.58%
FORT WAYNE, IN (FHA|USDA|VA) 10 $1,770,000 $177,000 $5,849 6.14%
URBAN HONOLULU, HI (FHA|USDA|VA) 3 $1,765,000 $588,333 $25,675 5.58%
Sonora, CA (FHA|USDA|VA) 4 $1,710,000 $427,500 $6,942 5.22%
New Philadelphia-Dover, OH (FHA|USDA|VA) 9 $1,615,000 $179,444 $7,217 5.57%
BEND, OR (FHA|USDA|VA) 4 $1,610,000 $402,500 $6,665 5.38%
PARKERSBURG-VIENNA, WV (FHA|USDA|VA) 8 $1,600,000 $200,000 $6,274 5.58%
Bellefontaine, OH (FHA|USDA|VA) 9 $1,585,000 $176,111 $5,269 5.78%
GAINESVILLE, GA (FHA|USDA|VA) 4 $1,580,000 $395,000 $6,203 5.34%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 6 $1,570,000 $261,667 $7,742 6.81%
Ellensburg, WA (FHA|USDA|VA) 3 $1,565,000 $521,667 $7,072 4.00%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 7 $1,485,000 $212,143 $8,131 5.61%
Fort Morgan, CO (FHA|USDA|VA) 5 $1,485,000 $297,000 $11,720 5.45%
Sanford, NC (FHA|USDA|VA) 4 $1,480,000 $370,000 $6,545 4.47%
LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 5 $1,465,000 $293,000 $6,694 5.80%
THE VILLAGES, FL (FHA|USDA|VA) 6 $1,420,000 $236,667 $7,291 4.54%
Coshocton, OH (FHA|USDA|VA) 6 $1,390,000 $231,667 $9,159 5.33%
Cañon City, CO (FHA|USDA|VA) 5 $1,365,000 $273,000 $7,265 5.00%
LEBANON, PA (FHA|USDA|VA) 6 $1,360,000 $226,667 $9,677 4.85%
Payson, AZ (FHA|USDA|VA) 4 $1,360,000 $340,000 $5,105 4.13%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 6 $1,350,000 $225,000 $6,328 5.85%
North Wilkesboro, NC (FHA|USDA|VA) 5 $1,345,000 $269,000 $9,433 5.95%
SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 1 $1,315,000 $1,315,000 $39,843 4.63%
ALBUQUERQUE, NM (FHA|USDA|VA) 5 $1,315,000 $263,000 $6,770 5.03%
SALEM, OR (FHA|USDA|VA) 4 $1,310,000 $327,500 $7,807 4.34%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 4 $1,290,000 $322,500 $6,095 5.97%
HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 6 $1,290,000 $215,000 $6,397 4.90%
PROVO-OREM, UT (FHA|USDA|VA) 3 $1,275,000 $425,000 $6,329 7.25%
Shelby, NC (FHA|USDA|VA) 6 $1,260,000 $210,000 $7,521 5.30%
Lumberton, NC (FHA|USDA|VA) 6 $1,250,000 $208,333 $8,293 4.38%
GAINESVILLE, FL (FHA|USDA|VA) 4 $1,220,000 $305,000 $7,615 5.38%
Centralia, WA (FHA|USDA|VA) 3 $1,215,000 $405,000 $8,239 5.88%
Breckenridge, CO (FHA|USDA|VA) 2 $1,200,000 $600,000 $12,210 5.06%
DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 4 $1,180,000 $295,000 $6,471 5.06%
BLOOMSBURG-BERWICK, PA (FHA|USDA|VA) 6 $1,160,000 $193,333 $6,333 5.13%
Chillicothe, OH (FHA|USDA|VA) 7 $1,155,000 $165,000 $6,780 4.88%
HUNTSVILLE, AL (FHA|USDA|VA) 4 $1,140,000 $285,000 $6,504 5.13%
CLEVELAND, TN (FHA|USDA|VA) 4 $1,110,000 $277,500 $6,056 5.91%
Pottsville, PA (FHA|USDA|VA) 6 $990,000 $165,000 $5,320 4.69%
YUBA CITY, CA (FHA|USDA|VA) 2 $960,000 $480,000 $10,937 6.19%
COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 5 $955,000 $191,000 $7,341 5.55%
GREENVILLE, NC (FHA|USDA|VA) 5 $945,000 $189,000 $5,704 5.73%
ST. LOUIS, MO-IL (FHA|USDA|VA) 6 $940,000 $156,667 $6,690 5.44%
Athens, OH (FHA|USDA|VA) 4 $930,000 $232,500 $6,550 5.31%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 4 $930,000 $232,500 $7,866 5.44%
TALLAHASSEE, FL (FHA|USDA|VA) 4 $930,000 $232,500 $8,010 5.06%
Georgetown, SC (FHA|USDA|VA) 3 $915,000 $305,000 $11,696 5.17%
KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 3 $905,000 $301,667 $8,288 5.75%
ST. GEORGE, UT (FHA|USDA|VA) 2 $900,000 $450,000 $11,364 5.50%
Traverse City, MI (FHA|USDA|VA) 2 $890,000 $445,000 $7,235 6.25%
MANCHESTER-NASHUA, NH (FHA|USDA|VA) 3 $875,000 $291,667 $4,234 5.08%
Brenham, TX (FHA|USDA|VA) 5 $855,000 $171,000 $7,023 4.83%
SEBRING-AVON PARK, FL (FHA|USDA|VA) 4 $850,000 $212,500 $9,158 5.81%
OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 3 $845,000 $281,667 $10,443 6.00%
WACO, TX (FHA|USDA|VA) 3 $825,000 $275,000 $9,794 5.46%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 3 $785,000 $261,667 $10,773 5.75%
Prineville, OR (FHA|USDA|VA) 2 $770,000 $385,000 $5,563 4.94%
Red Bluff, CA (FHA|USDA|VA) 1 $765,000 $765,000 $5,642 6.50%
Elkins, WV (FHA|USDA|VA) 5 $755,000 $151,000 $6,711 5.28%
Laurinburg, NC (FHA|USDA|VA) 4 $750,000 $187,500 $8,280 4.84%
LOUISVILLE, KY (FHA|USDA|VA) 6 $740,000 $123,333 $5,337 5.88%
EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 2 $720,000 $360,000 $9,013 5.75%
TEXARKANA, TX-AR (FHA|USDA|VA) 3 $705,000 $235,000 $9,733 4.92%
Lebanon, NH-VT (FHA|USDA|VA) 3 $695,000 $231,667 $5,306 5.08%
NEW BERN, NC (FHA|USDA|VA) 4 $690,000 $172,500 $7,634 5.34%
LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 2 $690,000 $345,000 $11,620 6.38%
LEWISTON-AUBURN, ME (FHA|USDA|VA) 2 $690,000 $345,000 $7,761 4.94%
Fairmont, WV (FHA|USDA|VA) 3 $685,000 $228,333 $11,661 5.79%
Glenwood Springs, CO (FHA|USDA|VA) 3 $675,000 $225,000 $4,822 5.29%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 3 $675,000 $225,000 $11,074 5.46%
PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 2 $670,000 $335,000 $7,021 5.31%
Wilmington, OH (FHA|USDA|VA) 3 $655,000 $218,333 $9,343 4.46%
Sandusky, OH (FHA|USDA|VA) 2 $650,000 $325,000 $5,060 6.50%
GRANTS PASS, OR (FHA|USDA|VA) 1 $645,000 $645,000 $12,489 3.75%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 1 $645,000 $645,000 $6,140 5.25%
ALBANY, GA (FHA|USDA|VA) 4 $640,000 $160,000 $8,568 5.47%
CUMBERLAND, MD-WV (FHA|USDA|VA) 3 $625,000 $208,333 $7,843 5.04%
SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 1 $605,000 $605,000 $13,803 4.63%
MERCED, CA (FHA|USDA|VA) 3 $605,000 $201,667 $11,053 4.75%
Marietta, OH (FHA|USDA|VA) 3 $595,000 $198,333 $7,662 5.29%
ALBANY-LEBANON, OR (FHA|USDA|VA) 2 $590,000 $295,000 $10,853 5.56%
Lake City, FL (FHA|USDA|VA) 3 $585,000 $195,000 $10,183 5.54%
Torrington, CT (FHA|USDA|VA) 2 $580,000 $290,000 $8,035 5.56%
MORRISTOWN, TN (FHA|USDA|VA) 3 $565,000 $188,333 $6,761 6.29%
Albemarle, NC (FHA|USDA|VA) 2 $560,000 $280,000 $7,367 5.19%
Crossville, TN (FHA|USDA|VA) 2 $560,000 $280,000 $4,440 4.81%
Roseburg, OR (FHA|USDA|VA) 1 $555,000 $555,000 $8,140 3.38%
Hermiston-Pendleton, OR (FHA|USDA|VA) 2 $550,000 $275,000 $8,718 4.75%
Gainesville, TX (FHA|USDA|VA) 2 $550,000 $275,000 $10,546 5.50%
Sandpoint, ID (FHA|USDA|VA) 3 $545,000 $181,667 $8,310 5.96%
LAKE CHARLES, LA (FHA|USDA|VA) 2 $540,000 $270,000 $8,800 5.56%
OKLAHOMA CITY, OK (FHA|USDA|VA) 2 $540,000 $270,000 $5,518 5.88%
Cedartown, GA (FHA|USDA|VA) 2 $540,000 $270,000 $10,928 5.38%
EL PASO, TX (FHA|USDA|VA) 3 $535,000 $178,333 $7,004 4.25%
GULFPORT-BILOXI, MS (FHA|USDA|VA) 5 $535,000 $107,000 $5,101 5.63%
Laconia, NH (FHA|USDA|VA) 1 $535,000 $535,000 $9,403 4.63%
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 2 $530,000 $265,000 $5,825 5.81%
MEDFORD, OR (FHA|USDA|VA) 2 $530,000 $265,000 $6,470 4.06%
Bozeman, MT (FHA|USDA|VA) 1 $525,000 $525,000 $14,443 6.13%
KANSAS CITY, MO-KS (FHA|USDA|VA) 2 $510,000 $255,000 $7,324 6.88%
Lewisburg, TN (FHA|USDA|VA) 2 $510,000 $255,000 $9,925 5.94%
SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) 2 $510,000 $255,000 $5,591 7.19%
LIMA, OH (FHA|USDA|VA) 3 $495,000 $165,000 $7,668 6.21%
Dayton, TN (FHA|USDA|VA) 2 $490,000 $245,000 $9,033 7.13%
Jackson, OH (FHA|USDA|VA) 2 $490,000 $245,000 $16,031 4.31%
MONTGOMERY, AL (FHA|USDA|VA) 3 $485,000 $161,667 $5,624 6.79%
Hilo, HI (FHA|USDA|VA) 1 $485,000 $485,000 $10,294 6.63%
FRESNO, CA (FHA|USDA|VA) 2 $470,000 $235,000 $12,695 5.38%
Portsmouth, OH (FHA|USDA|VA) 3 $465,000 $155,000 $5,649 5.79%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 2 $460,000 $230,000 $6,409 6.38%
Granbury, TX (FHA|USDA|VA) 2 $450,000 $225,000 $6,548 6.94%
SPRINGFIELD, MA (FHA|USDA|VA) 2 $450,000 $225,000 $10,778 5.88%
AMARILLO, TX (FHA|USDA|VA) 1 $445,000 $445,000 $3,398 3.25%
WICHITA, KS (FHA|USDA|VA) 3 $445,000 $148,333 $5,786 5.25%
GADSDEN, AL (FHA|USDA|VA) 2 $430,000 $215,000 $4,281 4.56%
YUMA, AZ (FHA|USDA|VA) 1 $425,000 $425,000 $10,695 5.63%
REDDING, CA (FHA|USDA|VA) 1 $415,000 $415,000 $7,596 5.75%
Mount Airy, NC (FHA|USDA|VA) 3 $415,000 $138,333 $5,997 6.29%
MONROE, MI (FHA|USDA|VA) 3 $405,000 $135,000 $5,965 7.00%
Peru, IN (FHA|USDA|VA) 1 $405,000 $405,000 $3,090 5.50%
Morehead City, NC (FHA|USDA|VA) 2 $400,000 $200,000 $5,218 4.06%
Roanoke Rapids, NC (FHA|USDA|VA) 3 $395,000 $131,667 $6,096 5.67%
MADISON, WI (FHA|USDA|VA) 1 $395,000 $395,000 $4,192 5.63%
Pullman, WA (FHA|USDA|VA) 1 $385,000 $385,000 $6,032 6.38%
SPRINGFIELD, MO (FHA|USDA|VA) 2 $380,000 $190,000 $7,283 6.31%
BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) 1 $375,000 $375,000 $21,041 4.00%
TYLER, TX (FHA|USDA|VA) 1 $375,000 $375,000 $12,040 5.38%
Brookings, OR (FHA|USDA|VA) 1 $375,000 $375,000 $10,261 6.38%
MADERA, CA (FHA|USDA|VA) 1 $375,000 $375,000 $13,564 6.63%
PEORIA, IL (FHA|USDA|VA) 3 $375,000 $125,000 $3,642 5.17%
Dublin, GA (FHA|USDA|VA) 3 $365,000 $121,667 $7,749 6.33%
MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 1 $365,000 $365,000 $11,659 6.13%
CHICO, CA (FHA|USDA|VA) 1 $365,000 $365,000 $8,252 5.63%
SUMTER, SC (FHA|USDA|VA) 2 $360,000 $180,000 $7,727 5.25%
ANNISTON-OXFORD, AL (FHA|USDA|VA) 2 $360,000 $180,000 $4,134 4.50%
Astoria, OR (FHA|USDA|VA) 1 $355,000 $355,000 $5,092 6.13%
Somerset, KY (FHA|USDA|VA) 2 $350,000 $175,000 $7,498 5.50%
WALLA WALLA, WA (FHA|USDA|VA) 1 $345,000 $345,000 $4,476 4.13%
CARSON CITY, NV (FHA|USDA|VA) 1 $345,000 $345,000 $4,184 5.50%
Keene, NH (FHA|USDA|VA) 1 $345,000 $345,000 $0 5.88%
Greenville, OH (FHA|USDA|VA) 2 $340,000 $170,000 $9,891 6.31%
ANCHORAGE, AK (FHA|USDA|VA) 2 $340,000 $170,000 $6,141 5.81%
FARGO, ND-MN (FHA|USDA|VA) 1 $335,000 $335,000 $1,726 5.75%
Concord, NH (FHA|USDA|VA) 1 $335,000 $335,000 $16,086 5.00%
Thomasville, GA (FHA|USDA|VA) 1 $335,000 $335,000 $11,998 5.63%
MISSOULA, MT (FHA|USDA|VA) 1 $335,000 $335,000 $20,050 5.38%
El Campo, TX (FHA|USDA|VA) 2 $330,000 $165,000 $8,215 5.13%
CHEYENNE, WY (FHA|USDA|VA) 1 $325,000 $325,000 $4,278 3.25%
Moscow, ID (FHA|USDA|VA) 1 $325,000 $325,000 $9,835 6.63%
Newport, OR (FHA|USDA|VA) 1 $325,000 $325,000 $7,195 3.50%
Pahrump, NV (FHA|USDA|VA) 1 $315,000 $315,000 $10,644 6.50%
Montrose, CO (FHA|USDA|VA) 1 $315,000 $315,000 $8,034 4.13%
RAPID CITY, SD (FHA|USDA|VA) 1 $315,000 $315,000 $6,302 4.38%
Scottsbluff, NE (FHA|USDA|VA) 2 $310,000 $155,000 $9,211 6.44%
Forest City, NC (FHA|USDA|VA) 1 $305,000 $305,000 $0 6.13%
Port Lavaca, TX (FHA|USDA|VA) 1 $295,000 $295,000 $14,602 5.88%
PITTSFIELD, MA (FHA|USDA|VA) 1 $295,000 $295,000 $12,530 6.99%
DALTON, GA (FHA|USDA|VA) 1 $295,000 $295,000 $9,515 5.50%
BATTLE CREEK, MI (FHA|USDA|VA) 1 $295,000 $295,000 $13,198 5.63%
Orangeburg, SC (FHA|USDA|VA) 1 $295,000 $295,000 $4,413 5.25%
IDAHO FALLS, ID (FHA|USDA|VA) 1 $295,000 $295,000 $12,154 4.63%
POCATELLO, ID (FHA|USDA|VA) 1 $295,000 $295,000 $10,664 5.63%
Coos Bay, OR (FHA|USDA|VA) 1 $285,000 $285,000 $13,530 4.75%
CORPUS CHRISTI, TX (FHA|USDA|VA) 1 $275,000 $275,000 $7,251 7.25%
Seneca, SC (FHA|USDA|VA) 1 $275,000 $275,000 $6,034 5.13%
Lebanon, MO (FHA|USDA|VA) 1 $275,000 $275,000 $8,672 5.75%
Wooster, OH (FHA|USDA|VA) 2 $270,000 $135,000 $5,837 6.06%
Henderson, NC (FHA|USDA|VA) 1 $265,000 $265,000 $7,914 3.38%
Calhoun, GA (FHA|USDA|VA) 1 $265,000 $265,000 $9,547 7.50%
Ontario, OR-ID (FHA|USDA|VA) 1 $265,000 $265,000 $7,077 4.88%
Cambridge, OH (FHA|USDA|VA) 1 $255,000 $255,000 $10,298 5.88%
BOWLING GREEN, KY (FHA|USDA|VA) 1 $255,000 $255,000 $6,553 3.63%
Clearlake, CA (FHA|USDA|VA) 1 $255,000 $255,000 $9,571 3.88%
Columbus, MS (FHA|USDA|VA) 1 $255,000 $255,000 $14,331 6.13%
ODESSA, TX (FHA|USDA|VA) 1 $255,000 $255,000 $9,958 5.50%
Pampa, TX (FHA|USDA|VA) 2 $250,000 $125,000 $4,233 3.69%
COLUMBUS, GA-AL (FHA|USDA|VA) 2 $250,000 $125,000 $6,770 5.56%
CEDAR RAPIDS, IA (FHA|USDA|VA) 1 $245,000 $245,000 $3,102 7.13%
Boone, NC (FHA|USDA|VA) 1 $245,000 $245,000 $9,584 4.88%
Tullahoma-Manchester, TN (FHA|USDA|VA) 1 $245,000 $245,000 $10,384 5.25%
DECATUR, IL (FHA|USDA|VA) 2 $240,000 $120,000 $6,817 6.06%
Meadville, PA (FHA|USDA|VA) 2 $240,000 $120,000 $5,217 6.06%
HATTIESBURG, MS (FHA|USDA|VA) 1 $235,000 $235,000 $7,799 5.25%
Levelland, TX (FHA|USDA|VA) 1 $235,000 $235,000 $11,530 7.13%
LAFAYETTE, LA (FHA|USDA|VA) 1 $235,000 $235,000 $10,216 5.13%
CARBONDALE-MARION, IL (FHA|USDA|VA) 1 $235,000 $235,000 $8,738 4.25%
Sedalia, MO (FHA|USDA|VA) 1 $235,000 $235,000 $7,223 5.38%
Cedar City, UT (FHA|USDA|VA) 1 $225,000 $225,000 $2,921 4.63%
ROCHESTER, MN (FHA|USDA|VA) 1 $225,000 $225,000 $10,058 5.88%
Albertville, AL (FHA|USDA|VA) 1 $225,000 $225,000 $3,598 6.13%
LANSING-EAST LANSING, MI (FHA|USDA|VA) 1 $225,000 $225,000 $4,860 5.50%
Lewistown, PA (FHA|USDA|VA) 1 $215,000 $215,000 $9,042 5.50%
Greenwood, SC (FHA|USDA|VA) 1 $215,000 $215,000 $5,573 6.25%
Cordele, GA (FHA|USDA|VA) 1 $215,000 $215,000 $7,507 3.88%
Van Wert, OH (FHA|USDA|VA) 1 $205,000 $205,000 $9,205 7.25%
Okeechobee, FL (FHA|USDA|VA) 1 $205,000 $205,000 $12,360 5.25%
Elk City, OK (FHA|USDA|VA) 1 $205,000 $205,000 $7,814 6.63%
FLORENCE, SC (FHA|USDA|VA) 1 $195,000 $195,000 $0 7.63%
HOUMA-THIBODAUX, LA (FHA|USDA|VA) 1 $195,000 $195,000 $11,151 5.38%
VALDOSTA, GA (FHA|USDA|VA) 1 $195,000 $195,000 $12,374 6.13%
Nogales, AZ (FHA|USDA|VA) 1 $195,000 $195,000 $9,206 4.63%
Bennettsville, SC (FHA|USDA|VA) 1 $195,000 $195,000 $9,858 5.38%
Kendallville, IN (FHA|USDA|VA) 1 $185,000 $185,000 $6,558 5.13%
Muskogee, OK (FHA|USDA|VA) 1 $185,000 $185,000 $8,035 4.50%
Bluefield, WV-VA (FHA|USDA|VA) 1 $185,000 $185,000 $6,835 5.13%
Mineral Wells, TX (FHA|USDA|VA) 1 $185,000 $185,000 $8,494 6.13%
Union, SC (FHA|USDA|VA) 1 $175,000 $175,000 $6,871 5.63%
DECATUR, AL (FHA|USDA|VA) 1 $175,000 $175,000 $7,491 6.50%
Bucyrus-Galion, OH (FHA|USDA|VA) 1 $175,000 $175,000 $4,238 5.25%
Stillwater, OK (FHA|USDA|VA) 1 $175,000 $175,000 $7,436 6.38%
TOPEKA, KS (FHA|USDA|VA) 1 $165,000 $165,000 $5,738 5.50%
Washington, NC (FHA|USDA|VA) 1 $165,000 $165,000 $0 6.75%
Murray, KY (FHA|USDA|VA) 1 $155,000 $155,000 $6,283 4.63%
Sayre, PA (FHA|USDA|VA) 1 $155,000 $155,000 $11,203 3.13%
RACINE, WI (FHA|USDA|VA) 1 $155,000 $155,000 $6,654 5.63%
PINE BLUFF, AR (FHA|USDA|VA) 1 $155,000 $155,000 $7,701 3.75%
Norwalk, OH (FHA|USDA|VA) 1 $155,000 $155,000 $6,091 5.63%
LUBBOCK, TX (FHA|USDA|VA) 1 $155,000 $155,000 $7,302 5.88%
Jasper, IN (FHA|USDA|VA) 1 $155,000 $155,000 $6,421 6.63%
Bradford, PA (FHA|USDA|VA) 1 $155,000 $155,000 $13,857 3.75%
Toccoa, GA (FHA|USDA|VA) 1 $145,000 $145,000 $6,261 6.63%
St. Marys, PA (FHA|USDA|VA) 1 $145,000 $145,000 $6,508 7.00%
Sweetwater, TX (FHA|USDA|VA) 1 $145,000 $145,000 $6,845 6.00%
Waycross, GA (FHA|USDA|VA) 1 $145,000 $145,000 $7,119 6.25%
Huntington, IN (FHA|USDA|VA) 1 $135,000 $135,000 $4,970 6.13%
Dodge City, KS (FHA|USDA|VA) 1 $135,000 $135,000 $5,277 5.63%
Madisonville, KY (FHA|USDA|VA) 1 $135,000 $135,000 $7,165 5.63%
Mountain Home, AR (FHA|USDA|VA) 1 $135,000 $135,000 $4,111 5.50%
Point Pleasant, WV-OH (FHA|USDA|VA) 1 $135,000 $135,000 $3,911 4.25%
WHEELING, WV-OH (FHA|USDA|VA) 1 $125,000 $125,000 $7,161 5.63%
Oxford, MS (FHA|USDA|VA) 1 $125,000 $125,000 $6,429 5.25%
Shelbyville, TN (FHA|USDA|VA) 1 $125,000 $125,000 $8,789 6.13%
Berlin, NH (FHA|USDA|VA) 1 $125,000 $125,000 $5,796 4.50%
Decatur, IN (FHA|USDA|VA) 1 $125,000 $125,000 $3,324 6.63%
Somerset, PA (FHA|USDA|VA) 1 $115,000 $115,000 $4,062 3.75%
BANGOR, ME (FHA|USDA|VA) 1 $115,000 $115,000 $3,567 3.88%
Talladega-Sylacauga, AL (FHA|USDA|VA) 1 $115,000 $115,000 $6,344 3.75%
Adrian, MI (FHA|USDA|VA) 1 $115,000 $115,000 $6,279 3.63%
SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 1 $115,000 $115,000 $5,623 4.50%
DULUTH, MN-WI (FHA|USDA|VA) 1 $115,000 $115,000 $4,742 6.13%
ERIE, PA (FHA|USDA|VA) 1 $105,000 $105,000 $6,013 4.88%
HINESVILLE, GA (FHA|USDA|VA) 1 $105,000 $105,000 $4,072 4.13%
Sunbury, PA (FHA|USDA|VA) 1 $85,000 $85,000 $5,814 4.25%
Paducah, KY-IL (FHA|USDA|VA) 1 $75,000 $75,000 $5,033 5.63%
New Castle, PA (FHA|USDA|VA) 1 $75,000 $75,000 $4,192 5.88%
Galesburg, IL (FHA|USDA|VA) 1 $75,000 $75,000 $5,453 6.75%
LAWTON, OK (FHA|USDA|VA) 1 $65,000 $65,000 $6,574 9.25%
JOHNSTOWN, PA (FHA|USDA|VA) 1 $65,000 $65,000 $5,038 4.88%
Grants, NM (FHA|USDA|VA) 1 $65,000 $65,000 $4,520 5.88%
DuBois, PA (FHA|USDA|VA) 1 $55,000 $55,000 $4,910 6.00%
Danville, VA (FHA|USDA|VA) 1 $55,000 $55,000 $4,712 4.50%
Nfm's top markets include Washington, Baltimore, Phoenix, Columbus, and Philadelphia among others.

Their top states include:
  • Virginia (FHA|USDA|VA)
  • Maryland (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Colorado (FHA|USDA|VA)
  • Arizona (FHA|USDA|VA)
  • 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.

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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 13,745 $5,033,325,000 $366,193 $7,387 5.13%
    FHA 3,921 $1,210,525,000 $308,729 $12,136 5.29%
    VA 1,716 $716,030,000 $417,267 $11,523 4.95%
    USDA 121 $28,915,000 $238,967 $8,529 4.89%

    For 2022, Nfm's most frequently originated type of loan was Conventional, with 13,745 originations. Their 2nd most popular type was FHA, with 3,921 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 17,222 $6,260,420,000 $363,513 $8,897 5.23%
    Cash Out Refi 1,564 $495,140,000 $316,586 $7,308 4.73%
    Refi 717 $233,235,000 $325,293 $6,429 4.16%

    For 2022, Nfm's most frequently cited loan purpose was Home Purchase, with 17,222 originations. The 2nd most popular reason was Cash Out Refi, with 1,564 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 18,964 $6,844,220,000 $360,906 $8,745 5.18%
    15 Year 382 $103,200,000 $270,157 $6,373 3.98%
    20 Year 110 $29,980,000 $272,545 $6,451 4.21%
    Other 32 $8,430,000 $263,438 $6,075 3.88%
    10 Year 15 $2,965,000 $197,667 $5,146 3.94%

    For 2022, Nfm's most frequently cited loan duration was 30 Year, with 18,964 originations. The 2nd most popular length was 15 Year, with 382 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 6,479 $2,379,085,000 $367,199
    $5k+ 5,374 $2,329,400,000 $433,457
    $2k-3k 2,517 $718,225,000 $285,350
    $3k-4k 2,365 $673,975,000 $284,979
    $4k-5k 2,028 $639,570,000 $315,370
    $<1k 525 $194,585,000 $370,638

    Nfm's average total fees were $8,745, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 6,479 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    5-6% 6,487 $2,298,805,000 $354,371
    4-5% 4,548 $1,720,210,000 $378,234
    3-4% 3,738 $1,435,320,000 $383,981
    6-7% 3,488 $1,121,080,000 $321,411
    7-8% 850 $248,200,000 $292,000
    2.5-3% 315 $136,365,000 $432,905
    <2.5% 54 $20,810,000 $385,370
    Over 8% 21 $7,625,000 $363,095

    During 2022, Nfm's average interest rate for loans was 5.18%, while their most frequently originated rate bucket for loans was 5-6%, with 6,487 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 9,876 $2,935,350,000 $297,221 $8,290 5.19%
    $400k-600k 4,325 $2,066,475,000 $477,798 $10,187 5.06%
    $100k-200k 3,104 $493,550,000 $159,005 $5,979 5.31%
    $600k-1MM 1,615 $1,150,745,000 $712,536 $11,711 4.84%
    $100,000 or less 349 $27,455,000 $78,668 $4,664 5.49%
    $1MM+ 234 $315,220,000 $1,347,094 $16,694 4.51%

    2022 saw Nfm place emphasis on $200k-400k loans with 9,876 originations, totaling $2,935,350,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 4,976 $1,911,270,000 $384,098 $9,294 5.20%
    $50k-75k 4,211 $1,050,095,000 $249,370 $7,759 5.10%
    $75k-100k 4,029 $1,267,745,000 $314,655 $8,798 5.20%
    $150k-250k 3,311 $1,556,315,000 $470,044 $9,250 5.16%
    $50k or less 1,475 $252,515,000 $171,197 $6,241 5.05%
    $250k+ 1,395 $904,975,000 $648,728 $10,194 5.05%

    Nfm lent most frequently to those with incomes in the $100k-150k range, with 4,976 originations. The second most popular income band? $50k-75k, with 4,211 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    30-36% 3,076 $1,101,470,000 $358,085 $8,035 5.09%
    20-30% 2,578 $921,360,000 $357,393 $7,371 4.94%
    50-60% 1,916 $681,650,000 $355,767 $12,546 5.23%
    44% 1,037 $361,945,000 $349,031 $8,588 5.30%
    49% 1,023 $367,405,000 $359,145 $9,095 5.31%
    43% 946 $337,810,000 $357,093 $8,395 5.13%
    48% 863 $301,005,000 $348,789 $9,329 5.34%
    42% 829 $299,485,000 $361,261 $8,307 5.22%
    41% 810 $299,300,000 $369,506 $8,358 5.09%
    47% 788 $282,980,000 $359,112 $9,063 5.27%
    46% 783 $266,925,000 $340,900 $8,743 5.26%
    40% 781 $286,725,000 $367,125 $8,393 5.13%
    45% 732 $250,180,000 $341,776 $8,790 5.18%
    39% 709 $261,135,000 $368,315 $8,421 5.23%
    37% 669 $250,285,000 $374,118 $8,263 5.19%
    <20% 660 $223,980,000 $339,364 $6,739 4.87%
    38% 660 $253,940,000 $384,758 $8,351 5.09%
    36% 555 $200,545,000 $361,342 $7,892 5.14%
    >60% 54 $28,200,000 $522,222 $13,838 5.15%

    Nfm lent most frequently to those with DTI ratios of 30-36%, with 3,076 originations. The next most common DTI ratio? 20-30%, with 2,578 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 14,619 $5,229,325,000 $357,707 $8,422 5.08%
    Black 2,017 $655,645,000 $325,059 $9,847 5.28%
    Not provided 1,600 $557,860,000 $348,663 $9,120 5.72%
    Asian 985 $444,485,000 $451,254 $9,273 5.02%
    Native Hawaiian or Islander 160 $59,330,000 $370,813 $8,985 4.89%
    American Indian 112 $37,860,000 $338,036 $9,555 5.32%
    Asian Indian 4 $2,020,000 $505,000 $11,938 5.16%
    Other Asian 5 $1,825,000 $365,000 $8,928 4.43%
    Filipino 1 $445,000 $445,000 $17,805 4.75%

    Approval Rates

    Total approvals of all applications
    97.72%

    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
    75.17%

    Nfm has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 19,503 $6,988,795,000 $358,345

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    19,503 $6,988,795,000 $358,345

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 470 $100,560,000 $213,957 $5,595 5.04%
    40-60% 1,373 $426,245,000 $310,448 $7,166 4.98%
    60-80% 4,873 $1,870,985,000 $383,949 $7,799 5.10%
    80-100% 12,212 $4,364,950,000 $357,431 $8,942 5.20%
    Over 100% 522 $219,430,000 $420,364 $17,618 4.91%
    Under 20% 52 $6,470,000 $124,423 $4,718 5.15%