Lender in Maryland · HMDA 2025
NFM, Inc. mortgages in Maryland
NFM, Inc.'s 2025 home-purchase and refinance lending in Maryland, compared with all lenders in the state.
NFM, Inc. originated 2,062 owner-occupied single-family loans in Maryland from 2,115 completed applications, making it the state's #5 lender by volume.
Its median conventional purchase loan costs were $7,390 versus $6,150 for all Maryland lenders, at a median 30-year fixed rate of 6.75% (Maryland: 6.625%).
Loans in MD
2,062
of 2,115 applications
Denial rate
1.6%
Purchase · MD 8.6%
Rate spread
+0.33 pts
Conv. · MD +0.14 pts
Loan amount
$365,000
Purchase · MD $405,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 1,854 | 1,811 | 1.6% | 6.750% | +0.33 pts | $7,390 | $365,000 |
| Refinance | 201 | 193 | 1.5% | 6.125% | +0.05 pts | $5,970 | $445,000 |
| Cash-out refinance | 60 | 58 | 0.0% | 6.875% | +0.44 pts | $7,750 | $315,000 |
*Conventional loans only; medians with at least 20 loans.
Maryland counties where NFM, Inc. ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Caroline County | 3 | 34 | 7.4% |
| Baltimore County | 4 | 367 | 3.9% |
| Anne Arundel County | 4 | 356 | 4.0% |
| Baltimore city | 4 | 277 | 4.7% |
| Frederick County | 4 | 116 | 2.5% |
| Carroll County | 4 | 71 | 3.0% |
| Dorchester County | 5 | 26 | 5.2% |
| Kent County | 5 | 13 | 5.4% |
| Queen Anne's County | 6 | 46 | 4.5% |
| Talbot County | 6 | 17 | 3.7% |
| Harford County | 7 | 132 | 3.4% |
| Somerset County | 8 | 8 | 3.6% |
| Prince George's County | 10 | 209 | 1.9% |
| Washington County | 10 | 36 | 1.8% |
| Wicomico County | 10 | 27 | 2.1% |
| Worcester County | 11 | 15 | 1.9% |
| Charles County | 12 | 74 | 2.0% |
| Howard County | 16 | 63 | 1.5% |
| Cecil County | 16 | 23 | 1.7% |
| Calvert County | 18 | 22 | 1.4% |
| St. Mary's County | 20 | 20 | 1.1% |
- NFM, Inc. nationwide
- Maryland mortgage market
- NFM, Inc. in Ohio
- NFM, Inc. in Florida
- NFM, Inc. in Virginia
- NFM, Inc. in New Jersey
- NFM, Inc. in North Carolina
- NFM, Inc. in Arizona
- NFM, Inc. in Texas
- NFM, Inc. in Washington
- NFM, Inc. in Colorado
- NFM, Inc. in Georgia
- NFM, Inc. in Rhode Island
- NFM, Inc. in California
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology