# NVR Mortgage Finance, Inc.

> **Canonical URL:** https://saferate.com/lenders/nvr-mortgage-finance


> **📋 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


NVR Mortgage Finance, Inc. is a independent mortgage company, headquartered in RICHMOND, VA, serving borrowers across 17 states, with 17,191 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 88% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 19% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300KBWX4NV5Q1E376
- **Headquarters:** RICHMOND, VA
- **Geographic Reach:** Multi-Region
- **States Served:** 17
- **State List:** DC, DE, FL, GA, IL, IN, KY, MD, NC, NJ, NY, OH, PA, SC, TN, VA, WV
- **Markets (MSAs):** 50
- **Homebuilder Lender:** Yes
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Mediocre 😐
- Score: 12/100
- Rating: ●○○○○ (1/5)

### Pull Through: Exceptional 🤩
- Score: 81/100
- Rating: ●●●●● (5/5)

### Pricing Details
- **Average Rate Spread:** +0.556%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $5,033
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 17,191
- **Dollar Volume:** $6.2 billion
- **Applications Received:** 23,374
- **Market Share:** 48.00%

## Typical Borrower Profile

- **Average Loan Amount:** $362,396
- **Average Borrower Income:** $139,610
- **Average Property Value:** $446,397

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 89/100 | 9,507 | +0.572% | $4,410 | Exceptional 🤩 |
| FHA | 92/100 | 5,333 | +0.557% | $6,534 | Exceptional 🤩 |
| VA | 89/100 | 2,156 | -0.259% | $4,915 | Exceptional 🤩 |
| Jumbo | 81/100 | 109 | +0.414% | $2,613 | Exceptional 🤩 |
| USDA | 86/100 | 86 | +0.250% | $4,909 | Exceptional 🤩 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 9,507 loans, Score: 90/100 (Exceptional)

**FHA:**
- Purchase: 5,332 loans, Score: 92/100 (Exceptional)

**VA:**
- Purchase: 2,156 loans, Score: 90/100 (Exceptional)

**Jumbo:**
- Purchase: 109 loans, Score: 82/100 (Exceptional)

**USDA:**
- Purchase: 86 loans, Score: 86/100 (Exceptional)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 92/100 | 17,190 | $6.2B | +0.556% | Exceptional 🤩 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| VA | 2,512 | 2.33% | 94/100 |
| MD | 2,197 | 3.12% | 92/100 |
| NC | 2,046 | 1.38% | 84/100 |
| OH | 1,877 | 1.39% | 85/100 |
| PA | 1,643 | 1.36% | 87/100 |
| FL | 1,564 | 0.53% | 78/100 |
| SC | 1,287 | 1.61% | 89/100 |
| DE | 1,013 | 7.09% | 94/100 |
| TN | 938 | 1.03% | 82/100 |
| NJ | 649 | 0.76% | 80/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 1,486 | 77/100 |
| Charlotte | NC-SC | 1,025 | 90/100 |
| Nashville | TN | 928 | 90/100 |
| Arlington | VA-WV | 838 | 87/100 |
| Baltimore | MD | 828 | 87/100 |
| Pittsburgh, PA | PA | 812 | 92/100 |
| Washington, DC | DC-MD | 750 | 96/100 |
| Richmond, VA | VA | 632 | 91/100 |
| Cleveland, OH | OH | 582 | 84/100 |
| Virginia Beach | VA-NC | 564 | 84/100 |
| Raleigh | NC | 513 | 85/100 |
| Frederick | MD | 463 | 94/100 |
| Greenville | SC | 441 | 92/100 |
| Spartanburg, SC | SC | 423 | 100/100 |
| Indianapolis | IN | 404 | 78/100 |

## Frequently Asked Questions

### What loan types does NVR Mortgage Finance, Inc. offer?

NVR Mortgage Finance, Inc. offers the following mortgage loan types: FHA, Conventional, VA, Jumbo, USDA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does NVR Mortgage Finance, Inc. offer mortgages?

NVR Mortgage Finance, Inc. offers mortgages in 17 states: DC, DE, FL, GA, IL, IN, KY, MD, NC, NJ, NY, OH, PA, SC, TN, VA, WV.

### How competitive are NVR Mortgage Finance, Inc.'s mortgage rates?

NVR Mortgage Finance, Inc. has a pricing score of 12/100 (Mediocre), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.556% above market average.

### What type of lender is NVR Mortgage Finance, Inc.?

NVR Mortgage Finance, Inc. is a non-depository lender that specializes in mortgage origination, headquartered in RICHMOND, VA.

### What is NVR Mortgage Finance, Inc.'s loan approval success rate?

NVR Mortgage Finance, Inc. has a pull-through score of 81/100 (Exceptional). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## 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/nvr-mortgage-finance

### How to Cite

> "NVR Mortgage Finance, Inc. Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/nvr-mortgage-finance

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