Grade D · 0% of disclosures flagged for junk fees
Mortgage Company · Maryland · NMLS #2893
Avg Closing Costs
$8,354
median across reports
vs. National Average
147%
above national avg
Avg Origination Charge
$4,388
Section A lender fee
Reports with Junk Fees
0%
of submitted reports
| Fee Category | This Lender (avg) | National Avg | Verdict |
|---|---|---|---|
| discount_points | $4,599 | $2,242 | 🔺 High |
| Origination Fee | $4,388 | $1,584 | 🔺 High |
| Title Insurance | $3,101 | $3,111 | 🟡 Average |
| Underwriting Fee | $1,480 | $1,473 | 🟡 Average |
| Appraisal | $1,092 | $1,081 | 🟡 Average |
| Settlement/Closing Fee | $974 | $986 | 🟡 Average |
| Processing Fee | $795 | $790 | 🟡 Average |
| lender_credits | $723 | $428 | 🔺 High |
| Title Search | $403 | $392 | 🟡 Average |
| Rate Lock Fee | $389 | $376 | 🟡 Average |
| Recording Fee | $345 | $344 | 🟡 Average |
| Document Preparation | $174 | $147 | 🔴 Above Avg |
| Tax Service Fee | $127 | $128 | 🟡 Average |
| Credit Report | $69 | $69 | 🟡 Average |
| Wire Transfer Fee | $69 | $69 | 🟡 Average |
| Courier/Delivery | $60 | $58 | 🟡 Average |
| Flood Certification | $24 | $23 | 🟡 Average |
Got a Loan Estimate from NFM Lending? See if your rate and fees are competitive.
Check My Loan Estimate — $19Based on 17,433 homebuyer-submitted Closing Disclosures, NFM Lending's median total closing costs are $8,354. This is about 147% above the $3,383 national peer median for comparable lenders. Actual costs vary by loan type, loan amount, property state, and individual borrower profile. This data is informational only and not financial advice.
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How to Read Your Closing Disclosure
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Average Closing Costs by State
Benchmark your costs against the state average.
Closing Costs in Maryland
State-specific benchmarks for Maryland.
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Aggregates from NFM, Inc.'s 2025 HMDA filings — actual closed-loan figures reported to federal regulators, compared against the national median across all lenders.
Purchase Originations
14,404
Ranked #29 nationally
Median Total Costs
$8,815
+32.0% vs national ($6,680)
Median Rate
6.625%
+2.1% vs national (6.490%)
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 | — |
| This lender | Ohio median | National median | |
|---|---|---|---|
| Total Closing Costs | $7,695 | $5,240 | $6,680 |
| Interest Rate | 6.750% | 6.620% | 6.490% |
| Originations in state | 2,450 | — | — |
Based on 2025 HMDA data. State and national medians cover all reporting lenders.
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%) |