Nfm, Inc denied 4.1% of its 4,831 decisioned FHA applications in 2025 — rank #93 of the 100 largest FHA lenders, below the national rate of 21.7%. Source: complete CFPB HMDA 2025 federal record. Observed rates reflect applicant mix and channel as well as underwriting — not an endorsement or a warning.
Top cited reasons on denied files in 2025: debt-to-income (29.2%), other (15.1%), unverifiable information (14.5%) (shares of all cited reasons; a denied file may cite several). Reason codes record outcomes, not causes — context: the reason fingerprint.
Median rate on originated FHA purchase loans in 2025: 6.25%; median spread vs APOR: 0.617 (4,302 originations). Odds and price for all 60 largest doors: rates vs denial.
| State | FHA apps | Denial rate |
|---|---|---|
| OH | 684 | 3.5% |
| MD | 520 | 3.1% |
| RI | 169 | 3.6% |
Largest state markets (cells n≥100). State pages: the door map.
Nobody. Nfm, Inc did not pay to appear here and cannot pay to change this page. FinanceRateCalc is not a lender, has no lending partners, and sells no leads — tables are processed independently from federal filings by a former banker with 23 years of credit experience. Compare: all 100 lenders ranked · all 52 states · five myths vs the record.