Nvr Mortgage Finance, Inc. denied 34.0% of its 7,354 decisioned FHA applications in 2025 — rank #16 of the 100 largest FHA lenders, above the national rate of 21.7%. Source: complete CFPB HMDA 2025 federal record. Observed rates reflect applicant mix and channel as well as underwriting — not an endorsement or a warning.
Top cited reasons on denied files in 2025: debt-to-income (40.8%), credit history (29.4%), insufficient cash (12.1%) (shares of all cited reasons; a denied file may cite several). Reason codes record outcomes, not causes — context: the reason fingerprint.
Median rate on originated FHA purchase loans in 2025: 5.99%; median spread vs APOR: 0.194 (4,857 originations). Odds and price for all 60 largest doors: rates vs denial.
| State | FHA apps | Denial rate |
|---|---|---|
| VA | 1,225 | 36.6% |
| NC | 872 | 30.2% |
| MD | 869 | 34.6% |
| SC | 814 | 33.8% |
| OH | 739 | 31.1% |
| DE | 326 | 48.5% |
Largest state markets (cells n≥100). State pages: the door map.
Nobody. Nvr Mortgage Finance, Inc. did not pay to appear here and cannot pay to change this page. FinanceRateCalc is not a lender, has no lending partners, and sells no leads — tables are processed independently from federal filings by a former banker with 23 years of credit experience. Compare: all 100 lenders ranked · all 52 states · five myths vs the record.