# NFM, INC.

> **Canonical URL:** https://saferate.com/lenders/nfm


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


NFM, INC. is a independent mortgage company, headquartered in LINTHICUM, MD, serving borrowers nationwide, with 16,100 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 77% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 13% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300MCIFZSDHUT8X63
- **Headquarters:** LINTHICUM, MD
- **Geographic Reach:** National
- **States Served:** 48
- **State List:** AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, OR, PA, RI, SC, TN, TX, UT, VA, VT, WA, WI, WV, WY
- **Markets (MSAs):** 50
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 23/100
- Rating: ●●○○○ (2/5)

### Pull Through: Exceptional 🤩
- Score: 87/100
- Rating: ●●●●● (5/5)

### Pricing Details
- **Average Rate Spread:** +0.346%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $3,705
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 16,100
- **Dollar Volume:** $6.3 billion
- **Applications Received:** 20,529
- **Market Share:** 45.00%

## Typical Borrower Profile

- **Average Loan Amount:** $391,714
- **Average Borrower Income:** $146,924
- **Average Property Value:** $478,025

## Safe Rate Awards 🏆

- ⭐ **FHA Gold Superstar** (69%)
- ⭐ **VA Gold Superstar** (69%)
- ⭐ **Purchase Gold Superstar** (62%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 88/100 | 10,133 | +0.451% | $3,743 | Exceptional 🤩 |
| FHA | 90/100 | 4,152 | +0.269% | $3,842 | Exceptional 🤩 |
| VA | 88/100 | 1,584 | -0.356% | $3,071 | Exceptional 🤩 |
| Jumbo | 83/100 | 189 | +0.515% | $3,227 | Exceptional 🤩 |
| USDA | 79/100 | 42 | +0.599% | $4,570 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 9,300 loans, Score: 88/100 (Exceptional)
- Refinance: 833 loans, Score: 79/100 (Strong)

**FHA:**
- Purchase: 3,962 loans, Score: 90/100 (Exceptional)
- Refinance: 190 loans, Score: 81/100 (Exceptional)

**VA:**
- Purchase: 1,534 loans, Score: 88/100 (Exceptional)
- Refinance: 50 loans, Score: 78/100 (Strong)

**Jumbo:**
- Purchase: 175 loans, Score: 83/100 (Exceptional)

**USDA:**
- Purchase: 42 loans, Score: 79/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 91/100 | 15,013 | $5.9B | +0.344% | Exceptional 🤩 |
| Refinance | 81/100 | 1,087 | $393M | +0.366% | Exceptional 🤩 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| OH | 2,434 | 1.81% | 88/100 |
| FL | 2,022 | 0.69% | 80/100 |
| MD | 1,890 | 2.68% | 90/100 |
| VA | 1,384 | 1.28% | 87/100 |
| NJ | 1,163 | 1.36% | 87/100 |
| AZ | 1,023 | 1.03% | 81/100 |
| NC | 825 | 0.56% | 75/100 |
| WA | 718 | 0.84% | 81/100 |
| CO | 626 | 0.75% | 75/100 |
| TX | 549 | 0.16% | 68/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Columbus, OH | OH | 1,737 | 100/100 |
| Non |  | 1,212 | 75/100 |
| Baltimore | MD | 1,197 | 92/100 |
| Phoenix | AZ | 1,004 | 82/100 |
| Camden, NJ | NJ | 865 | 94/100 |
| Providence | RI-MA | 567 | 91/100 |
| Arlington | VA-WV | 547 | 82/100 |
| Richmond, VA | VA | 495 | 87/100 |
| Orlando | FL | 488 | 80/100 |
| Atlanta | GA | 304 | 71/100 |
| Washington, DC | DC-MD | 303 | 82/100 |
| Seattle | WA | 284 | 76/100 |
| Colorado Springs, CO | CO | 254 | 76/100 |
| Tampa, FL | FL | 254 | 72/100 |
| Lakeland | FL | 251 | 80/100 |

## Where This Lender Ranks

NFM, INC. appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥈 **#2** in Pinehurst for FHA Loans
  - [View Full Rankings](https://saferate.com/pinehurst/best-mortgage-lenders/fha-loans)
- 🥈 **#2** in Pinehurst for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/pinehurst/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🥈 **#2** in Twin Falls, ID Mortgage Companies
  - [View Full Rankings](https://saferate.com/twin-falls-id/best-mortgage-lenders/mortgage-companies)
- 🥈 **#2** in Twin Falls, ID for FHA Loans
  - [View Full Rankings](https://saferate.com/twin-falls-id/best-mortgage-lenders/fha-loans)
- 🥈 **#2** in Twin Falls, ID for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/twin-falls-id/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🥉 **#3** in Colorado Springs, CO for Jumbo Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/colorado-springs-co/best-mortgage-lenders/mortgage-companies/jumbo-loans)
- 🥉 **#3** in Pinehurst Mortgage Companies
  - [View Full Rankings](https://saferate.com/pinehurst/best-mortgage-lenders/mortgage-companies)
- 🥉 **#3** in Twin Falls, ID for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/twin-falls-id/best-mortgage-lenders/mortgage-companies/va-loans)
- 🏆 **#4** in Twin Falls, ID
  - [View Full Rankings](https://saferate.com/twin-falls-id/best-mortgage-lenders)
- 🏆 **#5** in Camden, NJ for Jumbo Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/camden-nj/best-mortgage-lenders/mortgage-companies/jumbo-loans)
- 🏆 **#5** in Rhode Island Mortgage Companies
  - [View Full Rankings](https://saferate.com/rhode-island/best-mortgage-lenders/mortgage-companies)
- 🏆 **#5** in Rhode Island for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/rhode-island/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#5** in Twin Falls, ID for VA Loans
  - [View Full Rankings](https://saferate.com/twin-falls-id/best-mortgage-lenders/va-loans)
- 🏆 **#5** in Salisbury, MD Mortgage Companies
  - [View Full Rankings](https://saferate.com/salisbury-md/best-mortgage-lenders/mortgage-companies)
- 🏆 **#6** in Columbus, OH for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/columbus-oh/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#6** in Camden, NJ for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/camden-nj/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#6** in Washington DC for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/washington-dc/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#7** in Washington for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/washington-state/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#7** in Providence Mortgage Companies
  - [View Full Rankings](https://saferate.com/providence/best-mortgage-lenders/mortgage-companies)
- 🏆 **#7** in Providence for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/providence/best-mortgage-lenders/mortgage-companies/fha-loans)

## Frequently Asked Questions

### What loan types does NFM, INC. offer?

NFM, INC. offers the following mortgage loan types: FHA, Conventional, VA, Jumbo, USDA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does NFM, INC. offer mortgages?

NFM, INC. is a national lender offering mortgages in all 50 states plus Washington D.C.

### How competitive are NFM, INC.'s mortgage rates?

NFM, INC. has a pricing score of 23/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.346% above market average.

### What type of lender is NFM, INC.?

NFM, INC. is a non-depository lender that specializes in mortgage origination, headquartered in LINTHICUM, MD.

### What is NFM, INC.'s loan approval success rate?

NFM, INC. has a pull-through score of 87/100 (Exceptional). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/nfm

### How to Cite

> "NFM, INC. Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/nfm

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