NVR Mortgage Finance
NVR Mortgage Finance's 17.2k closed loans and 23k applications, benchmarked against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Mediocre
1/5
vs. all lenders
Pull-through
Exceptional
5/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA · Jumbo · USDA
Place
Strong
4/5
Multi-Region · 49 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
Conventional
Superstar
Summary
What They Do Well
- Strong pull through performance
- High volume lender with significant market experience
- Particularly strong in Conventional and FHA and VA and Jumbo and USDA loans
Things to Think About
- Rates typically 56 basis points above market average
- Higher than average fees ($5,033)
Explore another lender or local market
Report Card
NVR Mortgage Finance performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Mediocre
+55.6 bps above market avg
1/5
Pull Through
Closing strength
Exceptional
Top 20% of lenders
5/5
By Loan Product· Specialization by type
Conventional
9,507 loans · 0.57% above market
Exceptional
Top 20% of lenders
5/5
FHA
5,333 loans · 0.56% above market
Exceptional
Top 10% of lenders
5/5
VA
2,156 loans · 0.26% below market
Exceptional
Top 20% of lenders
5/5
Jumbo
109 loans · 0.41% above market
Exceptional
Top 20% of lenders
5/5
USDA
86 loans · 0.25% above market
Exceptional
Top 20% of lenders
5/5
By Loan Purpose· Transaction purpose mix
Purchase
17,190 loans · 0.56% above market
Exceptional
Top 10% of lenders
5/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 50 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 | 9,507 | 55.3% | +0.572%Above | $4,410Fees | ||||
FHA Loans | 5,333 | 31.0% | +0.557%Above | $6,534Fees | ||||
VA Loans | 2,156 | 12.5% | -0.259%Below | $4,915Fees | ||||
Jumbo Loans | 109 | 0.6% | +0.414%Above | $2,613Fees | ||||
USDA Loans | — | 86 | 0.5% | +0.250%Above | $4,909Fees |
Conventional
OverallSound
ProductExceptional
PricingMediocre
Pull ThroughStrong
Volume9,507
Mix55.3%
Spread
+0.572%Above
Fees
$4,410Fees
FHA Loans
OverallSound
ProductExceptional
PricingMediocre
Pull ThroughStrong
Volume5,333
Mix31.0%
Spread
+0.557%Above
Fees
$6,534Fees
VA Loans
OverallSound
ProductExceptional
PricingMediocre
Pull ThroughStrong
Volume2,156
Mix12.5%
Spread
-0.259%Below
Fees
$4,915Fees
Jumbo Loans
OverallSound
ProductExceptional
PricingMediocre
Pull ThroughStrong
Volume109
Mix0.6%
Spread
+0.414%Above
Fees
$2,613Fees
USDA Loans
OverallStrong
ProductExceptional
Pricing—
Pull ThroughStrong
Volume86
Mix0.5%
Spread
+0.250%Above
Fees
$4,909Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 17,190 | 100.0% | +0.556%Above | $5,034Fees |
Purchase
OverallSound
ProductExceptional
PricingMediocre
Pull ThroughStrong
Volume17,190
Mix100.0%
Spread
+0.556%Above
Fees
$5,034Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
17,191
Applications
23,374
Volume
$6 billion
Pricing & Closing
Avg Rate Spread
+0.556%
vs. market APOR
Avg Net Fees
$5,033
Origination − Credits
Pullthrough Rate
73.5%
Applications → Closed
Typical Borrower
Avg Loan Amount
$362,396
Avg Borrower Income
$139,610
Avg Property Value
$446,397
Geographic Coverage
Geographic Performance
Metro Areas
49
markets with activity
States Served
17
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
17Full-year 2024 · HMDALoans originated
< 200200–500500–1,0001,000–2,0002,000+None
Northeast3
NJNYPA
Midwest3
ILINOH
South11
DCDEFLGAKYMDNCSCTNVAWV
Top Metro Areas by Place Specialization Score
Showing 10 of 49 metro areas
Top States by Place Specialization Score
Showing 10 of 17 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.