Lender in Virginia · HMDA 2025
NFM, Inc. mortgages in Virginia
NFM, Inc.'s 2025 home-purchase and refinance lending in Virginia, compared with all lenders in the state.
NFM, Inc. originated 1,171 owner-occupied single-family loans in Virginia from 1,195 completed applications, making it the state's #25 lender by volume.
Its median conventional purchase loan costs were $7,140 versus $5,610 for all Virginia lenders, at a median 30-year fixed rate of 6.75% (Virginia: 6.625%).
Loans in VA
1,171
of 1,195 applications
Denial rate
1.9%
Purchase · VA 6.9%
Rate spread
+0.31 pts
Conv. · VA +0.10 pts
Loan amount
$415,000
Purchase · VA $385,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 1,069 | 1,047 | 1.9% | 6.750% | +0.31 pts | $7,140 | $415,000 |
| Refinance | 83 | 81 | 1.2% | 6.125% | +0.13 pts | $6,530 | $445,000 |
| Cash-out refinance | 43 | 43 | 0.0% | 6.875% | +0.40 pts | $9,740 | $335,000 |
*Conventional loans only; medians with at least 20 loans.
Virginia counties where NFM, Inc. ranks in the top 25
Showing the 30 counties where it ranks highest, of 35.
| County | Rank | Loans | Market share |
|---|---|---|---|
| Fairfax city | 2 | 30 | 7.5% |
| Madison County | 5 | 8 | 4.2% |
| Culpeper County | 6 | 39 | 3.9% |
| Charlottesville city | 6 | 17 | 5.7% |
| Louisa County | 7 | 25 | 2.8% |
| Cumberland County | 9 | 4 | 2.5% |
| Staunton city | 10 | 9 | 2.2% |
| Richmond city | 11 | 62 | 2.5% |
| Powhatan County | 11 | 13 | 2.3% |
| Essex County | 11 | 4 | 2.5% |
| Caroline County | 12 | 13 | 1.5% |
| Buckingham County | 12 | 4 | 2.4% |
| Fluvanna County | 13 | 9 | 1.7% |
| Hanover County | 14 | 41 | 2.2% |
| Spotsylvania County | 15 | 40 | 1.3% |
| Albemarle County | 15 | 24 | 1.6% |
| Fauquier County | 15 | 22 | 1.8% |
| Middlesex County | 15 | 3 | 1.7% |
| Henrico County | 16 | 95 | 1.9% |
| Stafford County | 16 | 29 | 0.9% |
| Amherst County | 17 | 6 | 1.5% |
| King and Queen County | 17 | 2 | 1.8% |
| Lunenburg County | 17 | 2 | 1.9% |
| Loudoun County | 18 | 119 | 1.7% |
| Orange County | 18 | 14 | 1.5% |
| Hopewell city | 18 | 6 | 1.5% |
| Prince William County | 19 | 86 | 1.3% |
| Augusta County | 19 | 17 | 1.6% |
| Greene County | 19 | 4 | 1.1% |
| Goochland County | 20 | 8 | 1.5% |
- NFM, Inc. nationwide
- Virginia mortgage market
- NFM, Inc. in Ohio
- NFM, Inc. in Maryland
- NFM, Inc. in Florida
- NFM, Inc. in New Jersey
- NFM, Inc. in North Carolina
- NFM, Inc. in Arizona
- NFM, Inc. in Texas
- NFM, Inc. in Washington
- NFM, Inc. in Colorado
- NFM, Inc. in Georgia
- NFM, Inc. in Rhode Island
- NFM, Inc. in California
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology