K. Hovnanian American Mortgage
We analyzed every closed loan from K. Hovnanian American Mortgage — 3.7k loans across 5k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Acceptable
2/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA · Jumbo
Place
Strong
4/5
Multi-Region · 34 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
FHA
Superstar
VA
Superstar
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA loans
Things to Think About
- Pricing may be below industry average
Explore another lender or local market
Report Card
K. Hovnanian American Mortgage performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+16.5 bps above market avg
2/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
2,340 loans · 0.22% above market
Strong
Top 40% of lenders
4/5
FHA
963 loans · 0.11% above market
Exceptional
Top 20% of lenders
5/5
VA
391 loans · 0.37% below market
Exceptional
Top 20% of lenders
5/5
Jumbo
14 loans · 0.35% above market
Sound
Top 60% of lenders
3/5
By Loan Purpose· Transaction purpose mix
Purchase
3,711 loans · 0.17% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 35 markets
Strong
Top 40% of lenders
4/5
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 2,340 | 63.1% | +0.216%Above | $2,989Fees | ||||
FHA Loans | 963 | 25.9% | +0.114%Above | $4,290Fees | ||||
VA Loans | 391 | 10.5% | -0.369%Below | $1,452Fees | ||||
Jumbo Loans | — | 14 | 0.4% | +0.352%Above | $2,430Fees |
Conventional
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughStrong
Volume2,340
Mix63.1%
Spread
+0.216%Above
Fees
$2,989Fees
FHA Loans
OverallStrong
ProductExceptional
PricingSound
Pull ThroughStrong
Volume963
Mix25.9%
Spread
+0.114%Above
Fees
$4,290Fees
VA Loans
OverallStrong
ProductExceptional
PricingStrong
Pull ThroughStrong
Volume391
Mix10.5%
Spread
-0.369%Below
Fees
$1,452Fees
Jumbo Loans
OverallAcceptable
ProductSound
Pricing—
Pull ThroughMediocre
Volume14
Mix0.4%
Spread
+0.352%Above
Fees
$2,430Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 3,711 | 100.0% | +0.165%Above | $3,195Fees |
Purchase
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughSound
Volume3,711
Mix100.0%
Spread
+0.165%Above
Fees
$3,195Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
3,711
Applications
5,370
Volume
$1 billion
Pricing & Closing
Avg Rate Spread
+0.165%
vs. market APOR
Avg Net Fees
$3,195
Origination − Credits
Pullthrough Rate
69.1%
Applications → Closed
Typical Borrower
Avg Loan Amount
$434,178
Avg Borrower Income
$175,881
Avg Property Value
$555,305
Geographic Coverage
Geographic Performance
Metro Areas
34
markets with activity
States Served
12
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
12Full-year 2024 · HMDALoans originated
< 100100–200200–500500+None
Northeast1
NJ
Midwest1
OH
South8
DEFLGAMDSCTXVAWV
West2
AZCA
Top Metro Areas by Place Specialization Score
Showing 10 of 34 metro areas
Top States by Place Specialization Score
Showing 10 of 11 states
How We Rank Lenders
Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.
Our Point System (Max 50 Points)
10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion(80%+ = 40-50 points)
Superstar(60-79% = 30-39 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.