# K. HOVNANIAN AMERICAN MORTGAGE, L.L.C.

> **Canonical URL:** https://saferate.com/lenders/k-hovnanian-american-mortgage


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


K. HOVNANIAN AMERICAN MORTGAGE, L.L.C. is a independent mortgage company, headquartered in MATAWAN, NJ, serving borrowers across 12 states, with 3,711 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 63% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 36% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 5493004N9PMBSLEZOF16
- **Headquarters:** MATAWAN, NJ
- **Geographic Reach:** Multi-Region
- **States Served:** 12
- **State List:** AZ, CA, DE, FL, GA, MD, NJ, OH, SC, TX, VA, WV
- **Markets (MSAs):** 35
- **Homebuilder Lender:** Yes
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 37/100
- Rating: ●●○○○ (2/5)

### Pull Through: Strong 😀
- Score: 64/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.165%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $3,195
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 3,711
- **Dollar Volume:** $1.6 billion
- **Applications Received:** 5,370
- **Market Share:** 10.00%

## Typical Borrower Profile

- **Average Loan Amount:** $434,178
- **Average Borrower Income:** $175,881
- **Average Property Value:** $555,305

## Safe Rate Awards 🏆

- ⭐ **FHA Gold Superstar** (70%)
- ⭐ **VA Gold Superstar** (77%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 79/100 | 2,340 | +0.216% | $2,989 | Strong 😀 |
| FHA | 80/100 | 963 | +0.114% | $4,290 | Exceptional 🤩 |
| VA | 81/100 | 391 | -0.369% | $1,452 | Exceptional 🤩 |
| Jumbo | 43/100 | 14 | +0.352% | $2,430 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 2,340 loans, Score: 80/100 (Strong)

**FHA:**
- Purchase: 963 loans, Score: 81/100 (Exceptional)

**VA:**
- Purchase: 391 loans, Score: 81/100 (Exceptional)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 79/100 | 3,711 | $1.6B | +0.165% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| TX | 996 | 0.28% | 79/100 |
| CA | 598 | 0.21% | 72/100 |
| AZ | 482 | 0.48% | 77/100 |
| FL | 327 | 0.11% | 66/100 |
| DE | 313 | 2.19% | 82/100 |
| NJ | 261 | 0.30% | 73/100 |
| VA | 202 | 0.19% | 69/100 |
| MD | 180 | 0.26% | 67/100 |
| SC | 140 | 0.17% | 66/100 |
| OH | 138 | 0.10% | 61/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Houston | TX | 696 | 84/100 |
| Phoenix | AZ | 482 | 78/100 |
| Dallas | TX | 247 | 72/100 |
| Lakewood | NJ | 216 | 78/100 |
| Sacramento | CA | 181 | 71/100 |
| Arlington | VA-WV | 173 | 71/100 |
| Wilmington, DE |  | 163 | 76/100 |
| Orlando | FL | 135 | 68/100 |
| Port St. Lucie, FL | FL | 129 | 77/100 |
| Bakersfield | CA | 95 | 70/100 |
| Baltimore | MD | 94 | 64/100 |
| Non |  | 87 | 43/100 |
| Charleston | SC | 74 | 67/100 |
| Riverside | CA | 74 | 58/100 |
| Dover, DE | DE | 73 | 79/100 |

## Frequently Asked Questions

### What loan types does K. HOVNANIAN AMERICAN MORTGAGE, L.L.C. offer?

K. HOVNANIAN AMERICAN MORTGAGE, L.L.C. offers the following mortgage loan types: FHA, Conventional, VA, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does K. HOVNANIAN AMERICAN MORTGAGE, L.L.C. offer mortgages?

K. HOVNANIAN AMERICAN MORTGAGE, L.L.C. offers mortgages in 12 states: AZ, CA, DE, FL, GA, MD, NJ, OH, SC, TX, VA, WV.

### How competitive are K. HOVNANIAN AMERICAN MORTGAGE, L.L.C.'s mortgage rates?

K. HOVNANIAN AMERICAN MORTGAGE, L.L.C. has a pricing score of 37/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.165% above market average.

### What type of lender is K. HOVNANIAN AMERICAN MORTGAGE, L.L.C.?

K. HOVNANIAN AMERICAN MORTGAGE, L.L.C. is a non-depository lender that specializes in mortgage origination, headquartered in MATAWAN, NJ.

### What is K. HOVNANIAN AMERICAN MORTGAGE, L.L.C.'s loan approval success rate?

K. HOVNANIAN AMERICAN MORTGAGE, L.L.C. has a pull-through score of 64/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

---

## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/k-hovnanian-american-mortgage

### How to Cite

> "K. HOVNANIAN AMERICAN MORTGAGE, L.L.C. Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/k-hovnanian-american-mortgage

---

**[View Interactive Profile →](https://saferate.com/lenders/k-hovnanian-american-mortgage)**