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NVR Mortgage Finance, Inc.
Independent Mortgage Company|RICHMOND, VA|Multi-Region
Loans Originated
17,191
Applications
23,374
Volume
$6 billion
Offers loans directly to consumersHomebuilder Lender
Overall Pricing
Mediocre
Overall Pull Through
Exceptional
Pricing and Pullthrough Overview
Average Rate Spread
+0.556%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$5,033
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
73.5%
Percentage of applications that result in closed loans
Safe Rate's 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)
Report Card
NVR Mortgage Finance, Inc. performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Mediocre | Below peers | |
Pull Through Closing Strength | Exceptional | Market Leader | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Exceptional | Market Leader | |
FHA | Exceptional | Market Leader | |
VA | Exceptional | Market Leader | |
Jumbo | Exceptional | Market Leader | |
USDA | Exceptional | Market Leader | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Exceptional | Market Leader | |
Places Geographic coverage | Strong | Multi-Regional · 50 metro areas · 17 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$362,396
Average Borrower Income
$139,610
Average Property Value
$446,397
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Sound | Exceptional | Mediocre | Strong | 9,507 | 55.3% | +0.572% | $4,410 |
FHA Loans | Sound | Exceptional | Mediocre | Strong | 5,333 | 31.0% | +0.557% | $6,534 |
VA Loans | Sound | Exceptional | Mediocre | Strong | 2,156 | 12.5% | -0.259% | $4,915 |
Jumbo Loans | Sound | Exceptional | Mediocre | Strong | 109 | 0.6% | +0.414% | $2,613 |
USDA Loans | Strong | Exceptional | N/A | Strong | 86 | 0.5% | +0.250% | $4,909 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Exceptional | Mediocre | Strong | 17,190 | 100.0% | +0.556% | $5,034 |
Geographic Coverage
Metro Areas
49
States Served
17
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
DCDEFLGAILINKYMDNCNJNYOHPASCTNVAWV
Top Metro Areas by Place Specialization Score
1
Spartanburg, SC, SCMSA
Volume: 423Mix: 2.46%
Place Specialization
Exceptional
2
Washington, DC, DC-MDMSA
Volume: 750Mix: 4.36%
Place Specialization
Exceptional
3
Frederick, MDMSA
Volume: 463Mix: 2.69%
Place Specialization
Exceptional
4
Pittsburgh, PA, PAMSA
Volume: 812Mix: 4.72%
Place Specialization
Exceptional
5
Greenville, SCMSA
Volume: 441Mix: 2.57%
Place Specialization
Exceptional
6
Richmond, VA, VAMSA
Volume: 632Mix: 3.68%
Place Specialization
Exceptional
7
Harrisonburg, VA, VAMSA
Volume: 154Mix: 0.90%
Place Specialization
Exceptional
8
Nashville, TNMSA
Volume: 928Mix: 5.40%
Place Specialization
Exceptional
9
Charlotte, NC-SCMSA
Volume: 1,025Mix: 5.96%
Place Specialization
Exceptional
10
Elgin, IL, ILMSA
Volume: 297Mix: 1.73%
Place Specialization
Exceptional
Showing 10 of 49 metro areas
Top States by Place Specialization Score
1
DEState
Volume: 1,013Mix: 5.89%
Place Specialization
Exceptional
2
VAState
Volume: 2,512Mix: 14.61%
Place Specialization
Exceptional
3
MDState
Volume: 2,197Mix: 12.78%
Place Specialization
Exceptional
4
SCState
Volume: 1,287Mix: 7.49%
Place Specialization
Exceptional
5
PAState
Volume: 1,643Mix: 9.56%
Place Specialization
Exceptional
6
OHState
Volume: 1,877Mix: 10.92%
Place Specialization
Exceptional
7
NCState
Volume: 2,046Mix: 11.90%
Place Specialization
Exceptional
8
TNState
Volume: 938Mix: 5.46%
Place Specialization
Exceptional
9
WVState
Volume: 280Mix: 1.63%
Place Specialization
Exceptional
10
NJState
Volume: 649Mix: 3.78%
Place Specialization
Strong
Showing 10 of 17 states
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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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