Nfm, Inc. mortgage approval rate & lending review
Nfm, Inc. decided 45,777 mortgage applications and funded 44,334 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Nfm, Inc. reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Nfm, Inc. at a glance
Approval is 11.1 points above the 86.4% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 98% | 38,106 / 39,006 | 99% | $355K | 37,858 |
| Cash-out refinance | 96% | 1,274 / 1,330 | 98% | $285K | 1,253 |
| Refinance | 98% | 1,722 / 1,756 | 99% | $385K | 1,701 |
| Investment property purchase | 97% | 2,891 / 2,989 | 99% | $255K | 2,861 |
| Investment cash-out refinance | 95% | 372 / 390 | 99% | $245K | 367 |
| Investment refinance | 97% | 297 / 306 | 99% | $245K | 294 |
Nfm, Inc. lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Ohio | 99% | $265K | 6,873 | 6,732 |
| Florida | 96% | $405K | 6,373 | 6,078 |
| Maryland | 98% | $375K | 5,449 | 5,259 |
| New Jersey | 97% | $305K | 3,207 | 3,067 |
| Arizona | 98% | $425K | 3,052 | 2,984 |
| Virginia | 98% | $385K | 3,011 | 2,949 |
| North Carolina | 98% | $345K | 2,288 | 2,216 |
| Washington | 98% | $575K | 2,134 | 2,082 |
| Texas | 97% | $315K | 1,842 | 1,776 |
| Rhode Island | 98% | $405K | 1,564 | 1,527 |
| Colorado | 99% | $405K | 1,513 | 1,492 |
| California | 99% | $585K | 1,279 | 1,257 |
| Pennsylvania | 97% | $265K | 1,263 | 1,209 |
| Georgia | 95% | $315K | 1,152 | 1,093 |
| Massachusetts | 98% | $495K | 660 | 649 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Nfm, Inc. lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Franklin County, OH | Mortgage lenders | 99% | 3,188 | 3,130 |
| Maricopa County, AZ | Mortgage lenders | 98% | 2,405 | 2,360 |
| Providence County, RI | Mortgage lenders | 98% | 1,000 | 972 |
| Camden County, NJ | Mortgage lenders | 97% | 934 | 892 |
| Anne Arundel County, MD | Mortgage lenders | 99% | 841 | 824 |
| Burlington County, NJ | Mortgage lenders | 99% | 783 | 763 |
| Baltimore County, MD | Mortgage lenders | 97% | 785 | 754 |
| Baltimore city, MD | Mortgage lenders | 97% | 785 | 754 |
| El Paso County, CO | Mortgage lenders | 100% | 732 | 725 |
| King County, WA | Mortgage lenders | 98% | 736 | 718 |
| Polk County, FL | Mortgage lenders | 95% | 649 | 617 |
| Lake County, FL | Mortgage lenders | 96% | 638 | 611 |
The county markets where Nfm, Inc. made the most loans. Each link opens that market with every lender ranked.
Questions about Nfm, Inc.
What is Nfm, Inc.'s mortgage approval rate?
Nfm, Inc. approved 97.6% of the 45,777 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 11.1 points above the 86.4% national rate for the same mix of loan types.
How often do borrowers take the loan Nfm, Inc. offers?
Borrowers accepted 99% of the loans Nfm, Inc. approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Nfm, Inc. make?
The typical home purchase mortgage loan Nfm, Inc. made was $355K; across all loan types its typical loan ran from $245K to $385K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Nfm, Inc. lend?
Nfm, Inc. decided applications in 49 of the states Fat Boy Data covers, most of them in Ohio, Florida and Maryland.
Can I apply to Nfm, Inc. directly?
Yes. Nfm, Inc. reports as a direct lender that takes applications from borrowers.
Does this page show Nfm, Inc.'s interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Nfm, Inc. treats applications, then get a rate quote from the lender.