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NFM, INC.
Independent Mortgage Company|LINTHICUM, MD|National
Loans Originated
16,100
Applications
20,529
Volume
$6 billion
Offers loans directly to consumers
Overall Pricing
Acceptable
Overall Pull Through
Exceptional
Safe Rate Awards⭐FHA Superstar⭐VA Superstar
Pricing and Pullthrough Overview
Average Rate Spread
+0.346%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$3,705
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
78.4%
Percentage of applications that result in closed loans
Safe Rate's 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
Report Card
NFM, INC. performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Acceptable | Near industry average | |
Pull Through Closing Strength | Exceptional | Market Leader | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Exceptional | Market Leader | |
FHA | Exceptional | Market Leader | |
VA | Exceptional | Market Leader | |
Jumbo | Exceptional | Market Leader | |
USDA | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Exceptional | Market Leader | |
Refinance | Exceptional | Market Leader | |
Places Geographic coverage | Strong | National · 50 metro areas · 48 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$391,714
Average Borrower Income
$146,924
Average Property Value
$478,025
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Sound | Exceptional | Mediocre | Strong | 10,133 | 62.9% | +0.451% | $3,743 |
FHA Loans | Strong | Exceptional | Acceptable | Exceptional | 4,152 | 25.8% | +0.269% | $3,842 |
VA Loans | Strong | Exceptional | Acceptable | Exceptional | 1,584 | 9.8% | -0.356% | $3,071 |
Jumbo Loans | Sound | Exceptional | Mediocre | Strong | 189 | 1.2% | +0.515% | $3,227 |
USDA Loans | Sound | Strong | N/A | Sound | 42 | 0.3% | +0.599% | $4,570 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Exceptional | Acceptable | Strong | 15,013 | 93.2% | +0.344% | $3,730 |
Refinance | Sound | Exceptional | Mediocre | Strong | 1,087 | 6.8% | +0.366% | $3,439 |
Geographic Coverage
Metro Areas
49
States Served
48
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
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Top Metro Areas by Place Specialization Score
1
Columbus, OH, OHMSA
Volume: 1,737Mix: 10.79%
Place Specialization
Exceptional
2
Pinehurst, NCMSA
Volume: 202Mix: 1.25%
Place Specialization
Exceptional
3
Camden, NJ, NJMSA
Volume: 865Mix: 5.37%
Place Specialization
Exceptional
4
Baltimore, MDMSA
Volume: 1,197Mix: 7.43%
Place Specialization
Exceptional
5
Providence, RI-MAMSA
Volume: 567Mix: 3.52%
Place Specialization
Exceptional
6
Richmond, VA, VAMSA
Volume: 495Mix: 3.07%
Place Specialization
Exceptional
7
Washington, DC, DC-MDMSA
Volume: 303Mix: 1.88%
Place Specialization
Exceptional
8
Twin Falls, ID, IDMSA
Volume: 117Mix: 0.73%
Place Specialization
Exceptional
9
Phoenix, AZMSA
Volume: 1,004Mix: 6.24%
Place Specialization
Exceptional
10
Arlington, VA-WVMSA
Volume: 547Mix: 3.40%
Place Specialization
Exceptional
Showing 10 of 49 metro areas
Top States by Place Specialization Score
1
RIState
Volume: 522Mix: 3.24%
Place Specialization
Exceptional
2
MDState
Volume: 1,890Mix: 11.74%
Place Specialization
Exceptional
3
OHState
Volume: 2,434Mix: 15.12%
Place Specialization
Exceptional
4
VAState
Volume: 1,384Mix: 8.60%
Place Specialization
Exceptional
5
NJState
Volume: 1,163Mix: 7.22%
Place Specialization
Exceptional
6
AZState
Volume: 1,023Mix: 6.35%
Place Specialization
Exceptional
7
WAState
Volume: 718Mix: 4.46%
Place Specialization
Exceptional
8
FLState
Volume: 2,022Mix: 12.56%
Place Specialization
Exceptional
9
COState
Volume: 626Mix: 3.89%
Place Specialization
Strong
10
NCState
Volume: 825Mix: 5.12%
Place Specialization
Strong
Showing 10 of 35 states
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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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