Applications / Mortgage Analytics / Lenders / Maryland / NFM / Competition
NFM
Linthicum Heights, MD · Independent non-bank lender · CFPB · 18,920 loans in 2025
NFM's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
18,920
loans originated, 2025
24,275
applications, 2025
48
states and territories
0
gaps bigger than at similar lenders
Who NFM competes with, by dollars lent in 2025, in its five largest markets and the three it entered most recently. A Pareto chart puts the lenders in order of size and draws their running share, so the reader sees how concentrated each market is: where the line climbs steeply, a few lenders hold most of it.
FIG. 1 — COLUMBUS, OH, 2025
NFM ranks 3rd of 596 lenders in Columbus, OH, with $667.9M lent: 3.9% of a $16.93B market.
Columbus, OH is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and NFM in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 34% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 2 — WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV, 2025
NFM ranks 28th of 757 lenders in Washington-Arlington-Alexandria, DC-VA-MD-WV, with $605.0M lent: 1.0% of a $62.69B market.
Washington-Arlington-Alexandria, DC-VA-MD-WV is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and NFM in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 32% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 3 — BALTIMORE-COLUMBIA-TOWSON, MD, 2025
NFM ranks 4th of 592 lenders in Baltimore-Columbia-Towson, MD, with $551.3M lent: 2.8% of a $19.71B market.
Baltimore-Columbia-Towson, MD is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and NFM in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 30% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 4 — SEATTLE-TACOMA-BELLEVUE, WA, 2025
NFM ranks 22nd of 597 lenders in Seattle-Tacoma-Bellevue, WA, with $482.5M lent: 1.0% of a $49.59B market.
Seattle-Tacoma-Bellevue, WA is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and NFM in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 41% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 5 — PHILADELPHIA-CAMDEN-WILMINGTON, PA-NJ-DE-MD, 2025
NFM ranks 19th of 784 lenders in Philadelphia-Camden-Wilmington, PA-NJ-DE-MD, with $392.5M lent: 1.0% of a $39.87B market.
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and NFM in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 32% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 6 — JACKSON, MS, 2025
NFM ranks 191st of 306 lenders in Jackson, MS, with $620K lent: 0.0% of a $2.61B market.
Jackson, MS is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and NFM in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 54% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 7 — BROWNSVILLE-HARLINGEN, TX, 2025
NFM ranks 167th of 286 lenders in Brownsville-Harlingen, TX, with $505K lent: 0.0% of a $1.07B market.
Brownsville-Harlingen, TX is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and NFM in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 37% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 8 — JANESVILLE-BELOIT, WI, 2025
NFM ranks 155th of 264 lenders in Janesville-Beloit, WI, with $390K lent: 0.0% of a $977.9M market.
Janesville-Beloit, WI is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and NFM in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 49% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
The data and the software behind these pages
NFM's data
$215
NFM and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
Buy NFM's data, $215Jenner Mortgage Analytics: all the data
$2,110
Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
Buy the data, $2,110Jenner, the SAS-compatible software
See prices
Jenner runs programs written in the SAS language. It drew every chart on these pages and fitted the fair-lending model, PROC GLIMMIX on 3.5 million applications. Run the programs that come with the data, or your own.
Get JennerQuestions, or the data and Jenner together: [email protected]