Purchase Originations
14,404
Ranked #29 nationally
Median Total Costs
$8,815
+32.0% vs national ($6,680)
↓ $111 vs prior year
Median Rate
6.625%
+2.1% vs national (6.490%)
↑ 0.000% vs prior year
Median Origination
$3,403
Median Lender Credits
$125
Cost Rank (500+ vol.)
#490
among lenders with 500+ originations
Denial Rate
1.8%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 8,841 | 6.625% | $6,989 | $3,559 |
| fha | 4,076 | 6.250% | $13,375 | $3,443 |
| va | 1,443 | 6.250% | $9,667 | $1,745 |
| usda | 44 | 6.688% | $9,574 | $4,016 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Ohio | 2,450 | 6.750% | $7,695 | #7 |
| Maryland | 1,796 | 6.625% | $8,926 | #4 |
| Florida | 1,672 | 6.250% | $10,814 | #26 |
| Virginia | 1,039 | 6.625% | $8,134 | #21 |
| New Jersey | 852 | 6.625% | $7,204 | #19 |
| Arizona | 824 | 4.990% | $13,259 | #23 |
| North Carolina | 773 | 6.250% | $8,938 | #37 |
| Texas | 722 | 6.625% | $10,510 | #85 |
| Washington | 647 | 6.625% | $9,467 | #27 |
| Colorado | 501 | 6.250% | $9,850 | #29 |
| Georgia | 370 | 6.750% | $8,984 | #62 |
| California | 347 | 5.750% | $12,481 | #108 |
| Pennsylvania | 273 | 6.625% | $7,733 | #80 |
| Rhode Island | 268 | 6.750% | $8,011 | #8 |
| Connecticut | 204 | 6.625% | $6,726 | #30 |
| Illinois | 202 | 6.875% | $6,982 | #96 |
| Idaho | 201 | 6.250% | $11,690 | #30 |
| Hawaii | 174 | 6.990% | $10,535 | #15 |
| Kentucky | 170 | 6.933% | $8,192 | #61 |
| Massachusetts | 163 | 6.625% | $7,450 | #59 |
| Tennessee | 139 | 6.750% | $7,043 | #101 |
| South Carolina | 125 | 6.750% | $7,753 | #106 |
| Alabama | 90 | 6.490% | $7,277 | #98 |
| Delaware | 66 | 6.625% | $8,465 | #37 |
| Wisconsin | 57 | 6.750% | $4,263 | #128 |
| District of Columbia | 56 | 6.625% | $7,475 | #26 |
| Michigan | 47 | 6.500% | $7,005 | — |
| West Virginia | 43 | 6.500% | $8,480 | — |
| Arkansas | 35 | 6.750% | $9,836 | — |
| Indiana | 28 | 6.750% | $5,592 | — |
| Missouri | 16 | 6.495% | $7,820 | — |
| Oregon | 9 | 6.490% | $6,858 | — |
| Kansas | 7 | 6.625% | $5,474 | — |
| New Hampshire | 6 | 6.750% | $4,663 | — |
| Louisiana | 5 | 6.625% | $8,949 | — |
| Maine | 5 | 6.750% | $7,194 | — |
| Minnesota | 5 | 6.750% | $5,536 | — |
| Mississippi | 4 | 6.750% | $6,717 | — |
| New Mexico | 3 | 6.990% | $5,319 | — |
| Nevada | 3 | 6.625% | $10,274 | — |
| Wyoming | 3 | 6.625% | $6,649 | — |
| Iowa | 2 | 6.438% | $6,660 | — |
| Nebraska | 1 | 6.750% | $8,754 | — |
| Oklahoma | 1 | 7.125% | $8,887 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $6,473 | 6.625% | — | 274 | −$2,342 | |
| 2 | $6,578 | 6.625% | — | 245 | −$2,237 | |
| 3 | $6,881 | 6.875% | — | 152 | −$1,934 | |
| 4 | $7,873 | 6.750% | — | 158 | −$942 | |
| 5 | $7,881 | 6.625% | — | 991 | −$934 | |
| 6 | $7,929 | 6.625% | — | 185 | −$886 | |
| 7 | $8,155 | 6.625% | — | 148 | −$660 | |
| 8 | $8,176 | 6.625% | — | 263 | −$639 | |
| 9 | $9,024 | 6.625% | — | 325 | +$209 | |
| 10 | $9,100 | 6.625% | — | 283 | +$285 | |
| 11 | $9,336 | 6.750% | — | 189 | +$521 | |
| 12 | $9,705 | 6.250% | — | 180 | +$890 | |
| 13 | $9,940 | 6.750% | — | 257 | +$1,125 | |
| 14 | $9,963 | 6.625% | — | 150 | +$1,148 | |
| 15 | $9,993 | 6.625% | — | 289 | +$1,178 | |
| 16 | $10,324 | 6.250% | — | 249 | +$1,509 | |
| 17 | $10,442 | 6.625% | — | 179 | +$1,627 | |
| 18 | $12,314 | 4.990% | — | 216 | +$3,499 | |
| 19 | $13,105 | 4.990% | — | 154 | +$4,290 | |
| 20 | $13,400 | 4.990% | — | 679 | +$4,585 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | NFM, Inc. | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $365,000 | $335,000 | +$30,000 (+9.0%) |
| Median total closing costs | $8,815 | $7,127 | +$1,688 (+23.7%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.