Applications / Mortgage Analytics / Lenders / Florida / K. Hovnanian American Mortgage
Perth Amboy, FL · Independent non-bank lender · CFPB · 4,029 loans in 2025
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4,029
loans originated, 2025
5,604
applications, 2025
13
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
K. Hovnanian American Mortgage makes nothing but home-purchase loans, 4,029 of them in 2025 across 13 states, and more of them are guaranteed for veterans than at most similar lenders.
Every loan it made was for a home purchase, and none was for a manufactured home. Loans insured by the Federal Housing Administration (FHA) were 28.1% of its lending, and those guaranteed by the Department of Veterans Affairs (VA) 11.5%, against 7.2% at similar lenders, independent non-bank lenders making between half and twice as many loans. Its VA share was higher than about four in five of them.
Its typical rate was 5.99%, against 6.62% for similar lenders, lower than all but about one in twenty. Only 0.1% of its loans were higher-priced, with a rate well above the average for similar loans, against 2.4% for peers.
Just 8.9% of its loans went to low- and moderate-income (LMI) neighborhoods, against 19.1% for peers, among the lowest in the group; 12.5% went to LMI borrowers, against 28.3%. Its loans are larger, $415,000 typically against $315,000, which may point to buyers with higher incomes. Its share in majority-minority neighborhoods, 34.3%, was higher than about three-quarters of peers.
It has reported since 1990 and has lent in New York-Newark-Jersey City since then. Its loans rose 8% in 2025, close to peers' 10% and the whole market's 10%. It entered new markets in 2025, taking 0.7% of lending in Sandusky.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. K. Hovnanian American Mortgage took 5,604 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 100.0%
Conventional 60.3% · FHA 28.1% · VA 11.5% · USDA (RHS or FSA) 0.1% · of 4,029 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Texas | 820 | 20.4% |
| California | 686 | 17.0% |
| Arizona | 468 | 11.6% |
| Delaware | 364 | 9.0% |
| Florida | 343 | 8.5% |
| New Jersey | 331 | 8.2% |
| Ohio | 247 | 6.1% |
| Virginia | 244 | 6.1% |
| Maryland | 232 | 5.8% |
| South Carolina | 150 | 3.7% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Houston-Pasadena-The Woodlands | 514 |
| Phoenix-Mesa-Chandler | 468 |
| Lakewood-New Brunswick | 217 |
| Arlington-Alexandria-Reston | 201 |
| Sacramento-Roseville-Folsom | 175 |
| Baltimore-Columbia-Towson | 140 |
| Dallas-Plano-Irving | 131 |
| Bakersfield-Delano | 130 |
| Port St. Lucie | 117 |
| Sherman-Denison | 105 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493004N9PMBSLEZOF16 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3915105 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 73000809992 | 1990–2017 |
Established 29 October 2002. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: K. Hovnanian American Mortgage's data.
K. Hovnanian American Mortgage's data
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K. Hovnanian American Mortgage and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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