Applications / Mortgage Analytics / Lenders / Maryland / NFM
Linthicum Heights, MD · Independent non-bank lender · CFPB · 18,920 loans in 2025
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18,920
loans originated, 2025
24,275
applications, 2025
48
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
NFM is a home-purchase lender that ranks third in Columbus and fourth in Baltimore, with its share edging up in both.
It ranked third of 596 lenders in Columbus, Ohio, behind The Huntington National Bank and United Wholesale Mortgage, with 3.9% of the market, up from 3.8%. In Baltimore-Columbia-Towson it ranked fourth of 592, with 2.8%, up from 2.7%. In its other large markets, Washington, Philadelphia and Seattle, it ranks between 19th and 28th.
Home purchases made up 87.4% of its loans and refinancing 10.9%. Its typical loan was $345,000, larger than at about four in five similar lenders (independent non-bank lenders making between half and twice as many loans), whose typical loan was $285,000. Its mix of conventional, FHA and VA loans is close to theirs.
On owner-occupied first-lien applications it denied 2.1% of home-purchase and 2.6% of refinance applications, among the lowest tenth of similar lenders, whose typical rates were 8.0% and 16.2%.
Originations rose 10% to 18,920, the same as the whole market and a little below the 14% typical for similar lenders. Loans in LMI (low- and moderate-income) areas were 21.6%, near the middle of similar lenders.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. NFM took 24,275 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 87.4% · Refinance 10.9% · Other 1.7%
Conventional 65.8% · FHA 24.4% · VA 9.6% · USDA (RHS or FSA) 0.2% · of 18,920 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Ohio | 3,308 | 17.5% |
| Maryland | 2,255 | 11.9% |
| Florida | 2,000 | 10.6% |
| Virginia | 1,310 | 6.9% |
| North Carolina | 1,137 | 6.0% |
| Texas | 1,055 | 5.6% |
| New Jersey | 1,051 | 5.6% |
| Arizona | 897 | 4.7% |
| Washington | 843 | 4.5% |
| Colorado | 659 | 3.5% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Columbus | 2,152 |
| Baltimore-Columbia-Towson | 1,402 |
| Phoenix-Mesa-Chandler | 866 |
| Camden | 814 |
| Arlington-Alexandria-Reston | 623 |
| Orlando-Kissimmee-Sanford | 525 |
| Providence-Warwick | 509 |
| Houston-Pasadena-The Woodlands | 495 |
| Washington | 376 |
| Richmond | 375 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300MCIFZSDHUT8X63 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3882805 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 7522102740 |
Established 3 March 1998. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: NFM's data.
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