NFM, INC. closing costs and rates (2024)
In 2024, NFM, INC. originated 14,138 purchase mortgages at a median interest rate of 6.62% and median total closing costs of $8,926. That ranks #29 nationally by origination volume. For total closing costs among lenders with 500+ originations, NFM, INC. ranks #502. That is $2,185 above the national median of $6,741. NFM, INC. is most active in Ohio with 2,120 originations there.
Purchase Originations
14,138
Ranked #29 nationally
Median Total Costs
$8,926
+32.4% vs national ($6,741)
Median Rate
6.625%
+0.1% vs national (6.620%)
Median Origination
$3,673
Median Lender Credits
$104
Cost Rank (500+ vol.)
#502
among lenders with 500+ originations
Breakdown by loan type
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 8,726 | 6.875% | $7,010 | $3,725 |
| fha | 3,832 | 6.250% | $13,736 | $3,746 |
| va | 1,538 | 6.125% | $11,030 | $2,872 |
| usda | 42 | 6.500% | $9,077 | $4,138 |
Active states
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Ohio | 2,120 | 6.990% | $7,309 | #12 |
| Florida | 1,866 | 6.500% | $10,460 | #24 |
| Maryland | 1,664 | 6.750% | $9,544 | #4 |
| Virginia | 1,259 | 6.875% | $7,726 | #18 |
| New Jersey | 1,038 | 6.750% | $7,310 | #14 |
| Arizona | 969 | 5.250% | $13,663 | #19 |
| North Carolina | 704 | 6.500% | $9,164 | #37 |
| Washington | 652 | 6.625% | $9,671 | #26 |
| Colorado | 582 | 6.500% | $9,989 | #24 |
| Texas | 450 | 6.625% | $11,290 | #131 |
| Georgia | 433 | 6.875% | $8,926 | #58 |
| California | 388 | 6.375% | $12,391 | #94 |
| Pennsylvania | 371 | 6.875% | $8,392 | #57 |
| Rhode Island | 258 | 6.990% | $8,208 | #7 |
| Idaho | 185 | 6.500% | $10,288 | #27 |
| Massachusetts | 168 | 6.990% | $8,516 | #56 |
| South Carolina | 147 | 6.990% | $6,499 | #93 |
| Tennessee | 146 | 6.990% | $7,565 | #97 |
| Hawaii | 106 | 6.990% | $11,658 | #19 |
| Connecticut | 92 | 6.625% | $7,275 | #56 |
| Oregon | 75 | 6.875% | $7,701 | #83 |
| Delaware | 73 | 6.875% | $8,146 | #36 |
| Alabama | 49 | 7.125% | $6,610 | — |
| District of Columbia | 45 | 6.625% | $10,421 | — |
| Illinois | 42 | 6.990% | $8,181 | — |
| Arkansas | 36 | 6.625% | $9,385 | — |
| West Virginia | 35 | 6.750% | $7,434 | — |
| Michigan | 25 | 7.000% | $7,297 | — |
| Missouri | 25 | 7.000% | $6,568 | — |
| Oklahoma | 22 | 6.875% | $6,764 | — |
| Wisconsin | 21 | 7.375% | $5,455 | — |
| Kentucky | 18 | 6.995% | $5,930 | — |
| Indiana | 17 | 7.125% | $8,676 | — |
| Nevada | 15 | 6.625% | $6,826 | — |
| New Hampshire | 9 | 6.625% | $4,796 | — |
| Louisiana | 5 | 7.125% | $8,255 | — |
| Minnesota | 5 | 7.125% | $7,911 | — |
| Maine | 4 | 7.183% | $4,668 | — |
| New Mexico | 4 | 6.188% | $11,569 | — |
| Utah | 3 | 6.625% | $11,802 | — |
| Iowa | 2 | 6.938% | $8,856 | — |
| Kansas | 2 | 6.875% | $2,984 | — |
| Montana | 2 | 6.875% | $7,991 | — |
| Nebraska | 2 | 7.000% | $4,892 | — |
| Wyoming | 2 | 6.750% | $13,601 | — |
| North Dakota | 1 | 6.875% | $9,063 | — |
| Vermont | 1 | 7.875% | $9,819 | — |
Top counties by origination volume
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $6,818 | 6.990% | — | 172 | −$2,108 | |
| 2 | $6,986 | 6.812% | — | 328 | −$1,940 | |
| 3 | $7,025 | 6.750% | — | 263 | −$1,901 | |
| 4 | $7,483 | 6.750% | — | 196 | −$1,443 | |
| 5 | $7,661 | 6.875% | — | 948 | −$1,265 | |
| 6 | $7,939 | 6.875% | — | 236 | −$987 | |
| 7 | $8,658 | 6.990% | — | 181 | −$268 | |
| 8 | $9,318 | 6.812% | — | 156 | +$392 | |
| 9 | $9,435 | 6.875% | — | 295 | +$509 | |
| 10 | $9,464 | 6.625% | — | 254 | +$538 | |
| 11 | $9,518 | 6.500% | — | 235 | +$592 | |
| 12 | $10,104 | 6.375% | — | 170 | +$1,178 | |
| 13 | $10,256 | 6.625% | — | 290 | +$1,330 | |
| 14 | $10,995 | 6.000% | — | 187 | +$2,069 | |
| 15 | $11,364 | 6.750% | — | 159 | +$2,438 | |
| 16 | $11,789 | 5.250% | — | 235 | +$2,863 | |
| 17 | $12,890 | 5.990% | — | 164 | +$3,964 | |
| 18 | $12,912 | 4.990% | — | 161 | +$3,986 | |
| 19 | $13,744 | 5.250% | — | 869 | +$4,818 | |
| 20 | $15,308 | 5.500% | — | 159 | +$6,382 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2024. Sorted by median total loan costs.
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Data source: HMDA Modified Loan Application Register 2024, 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.