NFM Lending Reviews, Complaints & Contacts

Contacts

PhoneEmailAddress

• Official websitenfmlending.com ↗

• Main toll-free number for general questions(888) 233-0092 2 complaints mention this number
• Loan payoff help, Linthicum, Maryland servicing office(866) 765-1827
• Loan payoff help, Lake Zurich Servicing Center(866) 352-6802
• Servicing and payoff help, Linthicum office[email protected]
• General information[email protected]
• Existing customers page, loan payments and customer servicenfmlending.com/existing-customers ↗
• Contact form (choose the Complaints topic)nfmlending.com/contact-us ↗

Locations

• Headquarters1190 Winterson Road, Suite 300 Linthicum MD 21090

Is NFM Lending Legitimate?

BBB, CFPB, Trustpilot

Legal name

NFM, Inc.

Founded

1998

Business type

Residential mortgage lender and loan servicer; NFM, Inc. does business as NFM Lending (NMLS 2893), headquartered in Linthicum, Maryland

Website

nfmlending.comSource: nfmlending.com, checked 2026-10-27

Headquarters

Linthicum, MDSource: nfmlending.com Contact page and BBB profile, checked 2026-10-27

Independent Sources

Shown for context — not merged with USAComplaints' own numbers.

Complaint Themes

Themes summarize what people write about most often. One complaint can touch several themes, and some complaints (a positive report, or one later retracted by its author) fit none, so themes are not a count of complaints.

Reviews & Complaints on USAComplaints

USAComplaints currently maintains 5 historical complaints about NFM Lending, published between 2006 and 2013. No approved complaints have been published on this site during the last three years. For a current reputation snapshot, see the independent sources on this page.

• Refinance Offer Led to Appraisal Cost, New Fees, DenialPublished Jan 10, 2013 · Historical consumer allegation
• Never Paid for Performing a Purchase Transaction ClosingPublished Dec 30, 2012 · Historical consumer allegation
• Daily Spoofed Telemarketing Calls About VA MortgagePublished Aug 27, 2011 · Historical consumer allegation
• Closing Errors: $1500 Lender Credit and Double Appraisal ChargePublished Jun 30, 2011 · Historical consumer allegation
• Option ARM and Junk Fees Paid to Commission-Based Loan OfficersPublished Sep 12, 2006 · Historical consumer allegation

Complaint record: BBB, CFPB, Trustpilot and this site's archive

BBB (NFM, Inc. headquarters profile, Linthicum, MD; not BBB Accredited): rating A+. BBB shows 2 complaints in the last 3 years, both about sales and advertising and both marked answered by the business, and none in the last 12 months. Its 7 customer reviews average 1 out of 5 stars.

CFPB (company "NFM, INC"): 75 complaints received from December 2011 to September 2026, 12 of them in the last 12 months. By product: mortgage 60, credit reporting 11 (across two CFPB categories) and debt collection 4. The most common issues are applying for a mortgage or refinancing (17), trouble during the payment process (16) and closing on a mortgage (13). The company closed 47 with an explanation, 24 with non-monetary relief and 4 with monetary relief; 65 responses were on time and 10 were not. The CFPB publishes these complaints after sending them to the company; it does not verify the consumer's account.

Trustpilot (nfmlending.com): one 1-star review and a TrustScore of 3.2, with no reviews in the last 12 months. The company claimed the profile in September 2026; Trustpilot notes that it has not invited customers to review recently, so reviews "may not be representative".

Complaints posted on this site. 5 published complaint reports are linked to this profile. Posted between 2006 and 2013, they describe disputes over fees and loan programs, closing-statement errors found after closing, repeated unwanted sales calls, an unpaid closing-agent fee and a refinance denied after new fees were added. They are consumers' own accounts and have not been verified.

NFM Lending complaints: data incident, servicing contacts and where to report

September 2026 data incident. NFM Lending's legal department told HousingWire (September 24, 2026) that "NFM Lending is aware that an unauthorized third party gained access to certain IT systems" and added: "At this stage of the investigation, we cannot confirm the number of people impacted."

If you are an NFM borrower or applicant. NFM has not said whose data was involved. If you receive a notice letter, it should say what information was affected and what help is offered.

• Check who services your loan. NFM may not be the company that services your mortgage today. Your latest monthly mortgage statement names the current servicer, and a servicing transfer must be announced to you in writing; send payoff requests and error notices to that servicer.
• Payoff and existing loans. The Contact page says a payoff request goes to the loan's current servicer. If the NFM Lake Zurich Servicing Center services your loan, call 1-866-352-6802, or request the payoff in the online borrower portal if you are a registered user. If the NFM Lending Linthicum, Maryland office services it, email [email protected] or call 1-866-765-1827. Under federal Regulation Z the servicer must send an accurate payoff statement within seven business days of a written request.
• Payment, escrow or fee errors. Send the servicer a written notice of error with your name, loan number and what you believe is wrong, to the address it designates for errors if it has one; a servicer that designates such an address must tell borrowers in writing and list it on its website. Under federal Regulation X (RESPA) the servicer must acknowledge the notice within five business days and respond within 30 business days, which it may extend once by 15 business days if it tells you in writing before the 30 days run out; for an incorrect payoff balance the deadline is seven business days, with no extension.
• Complaints to the company. The Contact page form has a "Complaints" topic; the main number is 1-888-233-0092 and the general email is [email protected]. Keep dates, loan numbers and copies of everything you send.
• Unwanted sales calls or texts. The Do Not Call policy says you can ask to be put on the company's internal list by calling 888-233-0092, emailing [email protected] or writing to Compliance Department - Do Not Call List, 1190 Winterson Road, Suite 300, Linthicum, MD 21090. Include your name, address and phone number; the company says requests are added "within five (5) business days of receipt".
• Regulators. The CFPB (consumerfinance.gov/complaint, 855-411-2372) forwards mortgage complaints to the company and says most companies respond within 15 days. Your state mortgage regulator also takes complaints; NFM's Texas Consumer Disclosure, for example, names the Texas Department of Savings and Mortgage Lending (sml.texas.gov, hotline 1-877-276-5550).

California DFPI order and settlement about per diem interest

What per diem interest is. At closing, a borrower usually prepays daily (per diem) interest from the day the loan funds to the end of that month. California Financial Code section 50204(o) bars a licensed lender from charging interest for more than one day before the loan proceeds are disbursed, so per diem interest collected for earlier days is an overcharge.

Lawsuits filed in September 2026 against NFM Lending, LLC

Court records

At least six civil actions naming NFM Lending, LLC as defendant were filed in the U.S. District Court for the District of Maryland in September 2026, all after the ransomware group's claim surfaced on or around September 7: Koppenhaver (1:26-cv-03607, filed September 11), Clark (1:26-cv-03632, September 14), Romancik (1:26-cv-03627, September 14), Smith (1:26-cv-03661, September 16), Richardson (1:26-cv-03677, September 17) and Salvi (1:26-cv-03862, September 29). OpenClassActions lists the first five as proposed class actions; the Salvi case appears on CourtListener. Press coverage reports no ruling, class certification or settlement in any of them.

Court & Public Records

Who is behind NFM Lending

Legal entity. The Website Ownership section of the nfmlending.com Terms of Use says the site "is owned and operated by NFM, Inc. dba NFM Lending, 1190 Winterson Road, Suite 300, Linthicum, MD 21090". The site footer uses the name NFM Lending, LLC. Both names appear with the same NMLS number, 2893, and the 2026 lawsuits name NFM Lending, LLC as defendant. A company news post dated May 12, 2014 says NFM, Inc., then "a multi-state residential mortgage lender based out of Baltimore, Maryland," "officially rebranded to NFM Lending on May 1st, 2014." The same post says David Silverman and his wife, Sandy, started the business on March 3, 1998 as a small brokerage; BBB gives the same business start date. The California DFPI settlement agreement identifies NFM, Inc., NMLS ID 2893, as a licensed California residential mortgage lender and servicer (CRMLA license 413-1349, issued on or around September 1, 2015) with its principal place of business at the Linthicum address.

What the company says about itself. The About page describes NFM Lending as "an award-winning, multi-state residential mortgage lender currently licensed in 49 states" and names David Silverman and Sandra Lena Silverman as co-founders; BBB lists M. David Silverman as CEO. The home page advertises "81,000+ Five Star Reviews", "168,800+ Homebuyers Helped" and "28+ Years In Service"; these are the company's own figures. Its Do Not Call policy says NFM, Inc. is an FHA-approved non-supervised mortgagee, a VA automatic lender, an approved Fannie Mae and Freddie Mac seller/servicer and a Ginnie Mae issuer/servicer, and gives these identifiers: FHA 19951-0018-0 and 19951-0000-7, VA 659985-00-00, Fannie Mae 26859-000-5, Freddie Mac 183149, Ginnie Mae 4365. The company's state licenses, and those of any individual loan officer, can be looked up by NMLS number on NMLS Consumer Access (nmlsconsumeraccess.org).

Frequently Asked Questions