Purchase Originations
9,381
Ranked #41 nationally
Median Total Costs
$9,988
+49.5% vs national ($6,680)
↑ $432 vs prior year
Median Rate
6.125%
−5.6% vs national (6.490%)
↓ 0.250% vs prior year
Median Origination
$3,866
Median Lender Credits
$76
Cost Rank (500+ vol.)
#542
among lenders with 500+ originations
Denial Rate
26.5%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 5,338 | 6.500% | $7,089 | $3,632 |
| fha | 3,188 | 5.990% | $14,538 | $5,022 |
| va | 754 | 5.750% | $8,889 | $1,648 |
| usda | 101 | 5.875% | $9,213 | $3,439 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Virginia | 1,551 | 6.125% | $11,303 | #14 |
| Maryland | 1,184 | 6.250% | $12,628 | #6 |
| North Carolina | 1,076 | 6.125% | $9,821 | #26 |
| Ohio | 1,037 | 6.125% | $8,255 | #24 |
| Pennsylvania | 1,002 | 6.375% | $8,316 | #18 |
| South Carolina | 865 | 6.125% | $9,547 | #19 |
| Delaware | 631 | 6.500% | $9,440 | #2 |
| Florida | 466 | 5.990% | $10,830 | #96 |
| New Jersey | 413 | 6.375% | $9,893 | #38 |
| Tennessee | 293 | 5.990% | $11,669 | #57 |
| Indiana | 271 | 6.125% | $7,996 | #69 |
| Georgia | 187 | 5.990% | $11,718 | #107 |
| Illinois | 167 | 5.990% | $7,041 | #113 |
| New York | 141 | 6.250% | $12,753 | #102 |
| West Virginia | 77 | 6.250% | $9,271 | #39 |
| District of Columbia | 10 | 6.625% | $10,236 | — |
| Kentucky | 10 | 6.500% | $9,318 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $6,221 | 6.250% | — | 137 | −$3,767 | |
| 2 | $7,224 | 6.625% | — | 164 | −$2,764 | |
| 3 | $7,946 | 6.500% | — | 183 | −$2,042 | |
| 4 | $8,013 | 6.500% | — | 178 | −$1,975 | |
| 5 | $8,264 | 6.125% | — | 177 | −$1,724 | |
| 6 | $8,310 | 6.500% | — | 371 | −$1,678 | |
| 7 | $9,118 | 6.188% | — | 128 | −$870 | |
| 8 | $9,528 | 6.375% | — | 175 | −$460 | |
| 9 | $9,655 | 5.990% | — | 296 | −$333 | |
| 10 | $9,918 | 6.250% | — | 138 | −$70 | |
| 11 | $10,027 | 6.250% | — | 132 | +$39 | |
| 12 | $10,092 | 6.625% | — | 179 | +$104 | |
| 13 | $10,323 | 6.500% | — | 138 | +$335 | |
| 14 | $10,463 | 5.990% | — | 121 | +$475 | |
| 15 | $10,799 | 5.990% | — | 267 | +$811 | |
| 16 | $11,360 | 5.750% | — | 210 | +$1,372 | |
| 17 | $12,448 | 6.375% | — | 126 | +$2,460 | |
| 18 | $13,437 | 6.125% | — | 206 | +$3,449 | |
| 19 | $13,554 | 6.125% | — | 159 | +$3,566 | |
| 20 | $14,769 | 6.125% | — | 342 | +$4,781 |
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 | NVR Mortgage Finance, Inc. | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $355,000 | $335,000 | +$20,000 (+6.0%) |
| Median total closing costs | $9,988 | $7,127 | +$2,861 (+40.1%) |
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.