Purchase Originations
3,701
Ranked #140 nationally
Median Total Costs
$7,402
+10.8% vs national ($6,680)
↓ $332 vs prior year
Median Rate
5.875%
−9.5% vs national (6.490%)
↓ 0.250% vs prior year
Median Origination
$1,800
Median Lender Credits
$50
Cost Rank (500+ vol.)
#397
among lenders with 500+ originations
Denial Rate
12.6%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 2,100 | 6.375% | $5,901 | $1,800 |
| fha | 1,132 | 4.990% | $13,608 | $1,800 |
| va | 463 | 5.750% | $3,189 | $0 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Texas | 767 | 5.750% | $9,118 | #81 |
| California | 645 | 4.990% | $9,826 | #63 |
| Arizona | 437 | 4.990% | $10,275 | #44 |
| Florida | 316 | 5.625% | $8,879 | #121 |
| New Jersey | 306 | 6.875% | $6,538 | #49 |
| Delaware | 294 | 6.500% | $6,174 | #9 |
| Ohio | 237 | 5.875% | $5,387 | #83 |
| Virginia | 222 | 6.250% | $8,542 | #75 |
| Maryland | 219 | 6.625% | $6,311 | #59 |
| South Carolina | 142 | 6.625% | $5,133 | #99 |
| West Virginia | 61 | 6.250% | $8,901 | #46 |
| Georgia | 52 | 5.995% | $10,250 | #201 |
| Pennsylvania | 3 | 6.490% | $8,183 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $5,026 | 6.625% | — | 67 | −$2,376 | |
| 2 | $5,826 | 6.875% | — | 100 | −$1,576 | |
| 3 | $5,900 | 6.500% | — | 69 | −$1,502 | |
| 4 | $6,152 | 6.490% | — | 144 | −$1,250 | |
| 5 | $6,269 | 4.750% | — | 164 | −$1,133 | |
| 6 | $6,335 | 6.625% | — | 81 | −$1,067 | |
| 7 | $6,450 | 6.875% | — | 90 | −$952 | |
| 8 | $6,487 | 6.490% | — | 61 | −$915 | |
| 9 | $7,339 | 6.490% | — | 71 | −$63 | |
| 10 | $8,509 | 5.495% | — | 126 | +$1,107 | |
| 11 | $9,364 | 6.375% | — | 73 | +$1,962 | |
| 12 | $9,485 | 4.990% | — | 127 | +$2,083 | |
| 13 | $9,534 | 5.875% | — | 123 | +$2,132 | |
| 14 | $9,859 | 5.250% | — | 72 | +$2,457 | |
| 15 | $10,142 | 4.990% | — | 64 | +$2,740 | |
| 16 | $10,397 | 4.990% | — | 310 | +$2,995 | |
| 17 | $10,579 | 5.500% | — | 63 | +$3,177 | |
| 18 | $10,948 | 5.875% | — | 61 | +$3,546 | |
| 19 | $11,329 | 6.125% | — | 73 | +$3,927 | |
| 20 | $12,353 | 4.990% | — | 127 | +$4,951 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | K. Hovnanian American Mortgage, L.L.C. | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $425,000 | $335,000 | +$90,000 (+26.9%) |
| Median total closing costs | $7,402 | $7,127 | +$275 (+3.9%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.