The Mortgage Record
Lender report card · New Jersey

Nvr Mortgage Finance, Inc.

Pittsburgh, PA · What the federal mortgage record shows about how Nvr Mortgage Finance, Inc. treated New Jersey applicants, 2018–2025 — 5,333 reported decisions. This is historical behavior, not a prediction about your loan.

Approval rate
82.8%
4,418 approved
Denial rate
17.2%
915 denied
Decisions
5,333
2018–2025
Avg. rate spread
+0.28 pp
vs. market benchmark
82.8% approved
17.2% denied

Share of 5,333 New Jersey applications Nvr Mortgage Finance, Inc. approved vs. denied. Excludes loans it merely purchased on the secondary market, and applications withdrawn or left incomplete.

Approval rate by loan type

Conventional88.9% of 3,620 · NJ 87%FHA66.9% of 1,381 · NJ 79%VA83.9% of 323 · NJ 80%

“NJ” = the statewide average approval rate for that loan type, for comparison.

Approval rate over time

74%79%84%89%94%94%92%80%87%84%77%80%78%20182019202020212022202320242025

Pricing

Adjusting for its loan-type mix, Nvr Mortgage Finance, Inc.’s rates ran -0.07 pp lower than the typical New Jersey lender (average rate spread +0.28 pp above the market benchmark). Rate spread is APR minus the average prime offer rate; positive means costlier than the low-risk benchmark.

Who Nvr Mortgage Finance, Inc. approves

By income
Under $50k23.0% · 178$50–75k71.7% · 562$75–100k79.8% · 989$100–150k85.3% · 1,638$150–250k90.6% · 1,486$250k+91.9% · 470
By debt-to-income
Under 36%95.1% · 1,44136–43%93.6% · 1,13043–50%90.3% · 1,954Over 50%27.6% · 798
By down payment (LTV)
20%+ down88.0% · 1,96910–20% down86.4% · 7015–10% down85.2% · 8433–5% down77.4% · 270Under 3% down66.1% · 1,093

Why Nvr Mortgage Finance, Inc. denied applications

Debt-to-income ratio66% of denialsCredit history30% of denialsUnverifiable information13% of denialsInsufficient cash to close11% of denialsEmployment history7% of denialsOther7% of denials

Where Nvr Mortgage Finance, Inc. lends in NJ

CountyDecisionsApproval
Gloucester County1,56485.5%
Camden County88674.7%
Burlington County66879.3%
Monmouth County41975.9%
Morris County33591.3%
Warren County29587.8%
Sussex County19086.8%
Ocean County18386.9%

Fees & closing costs

Median total loan costs
$8,359
home purchase
As % of loan
2.56%
NJ median 1.93%
Priced originations
4,325
with fee data

Median lender and third-party costs (the Loan Estimate’s “total loan costs”) on Nvr Mortgage Finance, Inc.’s home-purchase originations — 0.63 points higher than the 1.93% New Jersey median. Typical lender credit toward costs: $306. Excludes prepaid taxes/insurance and escrow deposits. Fees are reported on roughly two-thirds of originations (small lenders are exempt). Methodology →

Compare Nvr Mortgage Finance, Inc. to other lenders for your profile

Enter your income, county, DTI and down payment to see who approves borrowers like you.

Open the approval tool →

Source: CFPB HMDA loan-level data, 2018–2025 · first-lien, closed-end mortgages on 1–4 family homes in New Jersey reported by Nvr Mortgage Finance, Inc. (LEI 549300KBWX4NV5Q1E376). Rates describe past reported outcomes for the lender’s applicant pool and are not a prediction for any individual. Methodology →