NFM, INC.

18,920 mortgages originated in 2025 across 29 states, and what they cost borrowers.

Loans originated

18,920

Median rate

6.625%

Median lender fees

$8,343

Median loan amount

$345,000

Median spread over APOR

0.345

Paid discount points

60.4%

Received lender credits

45.8%

Purchases / refinances

87.4% / 10.9%

Conventional / FHA / VA

65.8% / 24.4% / 9.6%

Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 91.9% of loans here — see methodology.

Where NFM, INC. lent

States with at least 50 loans in 2025, ranked by volume.