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
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
Pull Through
Closing strength
Strong
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Top 40% of lenders
FHA
Exceptional
Top 20% of lenders
VA
Exceptional
Top 20% of lenders
Jumbo
Sound
Top 60% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 35 markets
Strong
Top 40% of lenders
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
12Northeast1
NJ
Midwest1
OH
South8
DEFLGAMDSCTXVAWV
West2
AZCA
Top Metro Areas by Place Specialization Score
Volume 696Mix 18.76% of portfolio
84/100
Exceptional
Volume 73Mix 1.97% of portfolio
79/100
Strong
Volume 482Mix 12.99% of portfolio
78/100
Strong
Volume 216Mix 5.82% of portfolio
78/100
Strong
Volume 129Mix 3.48% of portfolio
77/100
Strong
Volume 163Mix 4.39% of portfolio
76/100
Strong
Volume 247Mix 6.66% of portfolio
72/100
Strong
Volume 173Mix 4.66% of portfolio
71/100
Strong
Volume 181Mix 4.88% of portfolio
71/100
Strong
Volume 41Mix 1.10% of portfolio
71/100
StrongShowing 10 of 34 metro areas
Top States by Place Specialization Score
1
DelawareState
Volume 313Mix 8.43% of portfolio
82/100
Exceptional2
TexasState
Volume 996Mix 26.84% of portfolio
79/100
Strong3
ArizonaState
Volume 482Mix 12.99% of portfolio
77/100
Strong4
New JerseyState
Volume 261Mix 7.03% of portfolio
73/100
Strong5
CaliforniaState
Volume 598Mix 16.11% of portfolio
72/100
Strong6
VirginiaState
Volume 202Mix 5.44% of portfolio
69/100
Strong7
MarylandState
Volume 180Mix 4.85% of portfolio
67/100
Strong8
South CarolinaState
Volume 140Mix 3.77% of portfolio
66/100
Strong9
FloridaState
Volume 327Mix 8.81% of portfolio
66/100
Strong10
West VirginiaState
Volume 73Mix 1.97% of portfolio
65/100
StrongShowing 10 of 11 states
How We Rank Lenders
Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.
Our Point System (Max 30 Points)
10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 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.