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NFM

Independent Mortgage Company•Linthicum, MDHQ•Direct•Reviews near you on Google

NFM's 16.1k closed loans and 21k applications, benchmarked against peer lenders across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Acceptable
2/5
vs. all lenders
Pull-through
Exceptional
5/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA · Jumbo · USDA
Place
Strong
4/5
National · 49 mkts
Safe Rate Awards
Conventional Superstar
Conventional
Superstar
FHA Superstar
FHA
Superstar
VA Superstar
VA
Superstar
Purchase Superstar
Purchase
Superstar

Safe Rate Summary

What They Do Well

  • Strong pull through performance
  • High volume lender with significant market experience
  • Particularly strong in Conventional and FHA and VA and Jumbo and USDA loans
  • Nationwide availability with consistent service

Things to Think About

  • Pricing may be below industry average

Explore another lender or local market

Report Card

NFM performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+34.6 bps above market avg
Pull Through
Closing strength
Exceptional
Top 20% of lenders
By Loan Product· Specialization by type
Conventional
Exceptional
Top 20% of lenders
FHA
Exceptional
Top 20% of lenders
VA
Exceptional
Top 20% of lenders
Jumbo
Exceptional
Top 20% of lenders
USDA
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Exceptional
Top 10% of lenders
Refinance
Exceptional
Top 20% of lenders
By Location· Geographic coverage
Geographic Reach
National · 50 markets
Strong
Top 40% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Strong
Product
Exceptional
Pricing
Mediocre
Pull Through
Strong
Volume10,133
Mix62.9%
Spread
+0.451%Above
Fees
$3,743Fees
FHA Loans
Overall
Strong
Product
Exceptional
Pricing
Acceptable
Pull Through
Exceptional
Volume4,152
Mix25.8%
Spread
+0.269%Above
Fees
$3,842Fees
VA Loans
Overall
Strong
Product
Exceptional
Pricing
Acceptable
Pull Through
Exceptional
Volume1,584
Mix9.8%
Spread
-0.356%Below
Fees
$3,071Fees
Jumbo Loans
Overall
Sound
Product
Exceptional
Pricing
Mediocre
Pull Through
Strong
Volume189
Mix1.2%
Spread
+0.515%Above
Fees
$3,227Fees
USDA Loans
Overall
Strong
Product
Strong
Pricing—
Pull Through
Sound
Volume42
Mix0.3%
Spread
+0.599%Above
Fees
$4,570Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Strong
Product
Exceptional
Pricing
Acceptable
Pull Through
Strong
Volume15,013
Mix93.2%
Spread
+0.344%Above
Fees
$3,730Fees
Refinance
Overall
Sound
Product
Exceptional
Pricing
Mediocre
Pull Through
Strong
Volume1,087
Mix6.8%
Spread
+0.366%Above
Fees
$3,439Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
16,100
Applications
20,529
Volume
$6 billion
Pricing & Closing
Avg Rate Spread
+0.346%
vs. market APOR
Avg Net Fees
$3,705
Origination − Credits
Pullthrough Rate
78.4%
Applications → Closed
Typical Borrower
Avg Loan Amount
$391,714
Avg Borrower Income
$146,924
Avg Property Value
$478,025

Geographic Coverage

Geographic Performance

Metro Areas
49
markets with activity
States Served
48
of 50 states + DC
Avg Place Specialization
Strong
4/5

States with Loan Originations

48
48 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Northeast8
CTMEMANHNJPARIVT
Midwest11
IAILINKSMIMNMONDNEOHWI
South17
ALARDCDEFLGAKYLAMDMSNCOKSCTNTXVAWV
West12
AZCACOHIIDMTNMNVORUTWAWY

Top Metro Areas by Place Specialization Score

1© 归零者 · CC BY-SA 4.0
Columbus, OHMetro
Volume 1,737Mix 10.79% of portfolio
100/100
Exceptional
2© Pryor Emerson Humphrey · No restrictions
Pinehurst, NCMetro
Volume 202Mix 1.25% of portfolio
100/100
Exceptional
3© Gary Miotla · CC BY 3.0
Camden, NJMetro
Volume 865Mix 5.37% of portfolio
94/100
Exceptional
4© Andrew Parlette from Elkridge,MD, US · CC BY 2.0
Baltimore, MDMetro
Volume 1,197Mix 7.43% of portfolio
92/100
Exceptional
5© Macaolards · CC BY-SA 4.0
Providence, RI-MAMetro
Volume 567Mix 3.52% of portfolio
91/100
Exceptional
6© Billy Hathorn · CC BY-SA 3.0
Richmond, VAMetro
Volume 495Mix 3.07% of portfolio
87/100
Exceptional
7© Ad Meskens · CC BY-SA 3.0
Washington, DC, DC-MDMetro
Volume 303Mix 1.88% of portfolio
82/100
Exceptional
8© Charles Roscoe Savage · Public domain
Twin Falls, IDMetro
Volume 117Mix 0.73% of portfolio
82/100
Exceptional
9© DPPed · CC BY-SA 3.0
Phoenix, AZMetro
Volume 1,004Mix 6.24% of portfolio
82/100
Exceptional
10© Billy Hathorn · CC BY-SA 3.0
Arlington, VA-WVMetro
Volume 547Mix 3.40% of portfolio
82/100
Exceptional
Showing 10 of 49 metro areas

Top States by Place Specialization Score

Rhode Island
Rhode Island
1
Rhode IslandState
Volume 522Mix 3.24% of portfolio
91/100
Exceptional
Maryland
Maryland
2
MarylandState
Volume 1,890Mix 11.74% of portfolio
90/100
Exceptional
Ohio
Ohio
3
OhioState
Volume 2,434Mix 15.12% of portfolio
88/100
Exceptional
Virginia
Virginia
4
VirginiaState
Volume 1,384Mix 8.60% of portfolio
87/100
Exceptional
New Jersey
New Jersey
5
New JerseyState
Volume 1,163Mix 7.22% of portfolio
87/100
Exceptional
Arizona
Arizona
6
ArizonaState
Volume 1,023Mix 6.35% of portfolio
81/100
Exceptional
Washington
Washington
7
WashingtonState
Volume 718Mix 4.46% of portfolio
81/100
Exceptional
Florida
Florida
8
FloridaState
Volume 2,022Mix 12.56% of portfolio
80/100
Exceptional
Colorado
Colorado
9
ColoradoState
Volume 626Mix 3.89% of portfolio
75/100
Strong
North Carolina
North Carolina
10
North CarolinaState
Volume 825Mix 5.12% of portfolio
75/100
Strong
Showing 10 of 35 states

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.