Nfm Mortgage Rates, Fees & Info

LINTHICUM, MD

LEI: 549300MCIFZSDHUT8X63

Tax ID: 52-2102740

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

2021 Data | 2020 Data | 2019 Data | 2018 Data


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 include Washington, Baltimore, Phoenix, Seattle, and Columbus among others. Nfm has an above average approval rate for mortages when compared nationally. They have a below average pick rate when compared to the same sample of other lendors. Nfm is typically a high fee lendor.


Originations

27,359

Origination Dollar Volume (All Markets)

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

Relative Rate

Nfm 's average 30 year fixed rate mortgage of loans were 3.15%.

The 2021 average 30 year fixed rate mortgage across all markets of loans were 3.15%.

This yields a difference of -0%.

Relative Fees

Nfm 's average total fees for a 30 year fixed rate mortgage are $6,061.

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

Top Markets

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.

Product Mix

Loan Type Originations Total Value Average Loan Average Fees Average 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 the 2021 period, Nfm 's most frequently originated loan type of loans were Conventional, with 22,501 originations. Their 2nd most popular type is FHA, with 2,856 originations.

Loan Reason

Loan Reason Originations Total Value Average Loan Average Fees Average 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 the 2021, Nfm 's most frequently cited loan purpose of loans were Home Purchase, with 16,670 originations. The 2nd most popular reason of loans were 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 the 2021, Nfm 's most frequently cited loan length of loans were 30 Year, with 24,507 originations. The 2nd most popular length of loans were 15 Year, with 1,581 originations.

Origination Fees

Origination Fee Originations Total Value Average Loan
$1k-2k 16,191 $5,348,675,000 $330,349
$2k-3k 3,520 $990,870,000 $281,497
$3k-4k 3,449 $1,114,305,000 $323,081
$5k+ 2,318 $1,078,190,000 $465,138
$<1k 1,741 $585,155,000 $336,103

$6,061 of loans were Nfm 's average total fees, while their most frequently occuring range of origination fees 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 of loans were 3.15%, while their most frequently originated rate bucket of loans were 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 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
97.56%

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
86.32%

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%