K. Hovnanian American Mortgage, L.L.C. mortgage approval rate & lending review
K. Hovnanian American Mortgage, L.L.C. decided 11,626 mortgage applications and funded 9,726 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions K. Hovnanian American Mortgage, L.L.C. reported under the Home Mortgage Disclosure Act, not its advertised interest rates. For current rates and applications go to ham.com.
K. Hovnanian American Mortgage, L.L.C. at a glance
Approval is 3.9 points below the 87.6% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 84% | 9,029 / 10,782 | 100% | $425K | 9,029 |
| Investment property purchase | 83% | 697 / 843 | 100% | $335K | 697 |
K. Hovnanian American Mortgage, L.L.C. lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Texas | 78% | $355K | 2,838 | 2,216 |
| California | 89% | $525K | 1,872 | 1,673 |
| Arizona | 83% | $425K | 1,489 | 1,238 |
| Florida | 78% | $345K | 1,128 | 885 |
| Delaware | 93% | $385K | 969 | 901 |
| New Jersey | 89% | $605K | 921 | 816 |
| Virginia | 80% | $605K | 651 | 519 |
| Ohio | 88% | $305K | 519 | 457 |
| South Carolina | 90% | $385K | 504 | 454 |
| Maryland | 74% | $485K | 424 | 313 |
| West Virginia | 81% | $325K | 214 | 173 |
| Georgia | 82% | $385K | 79 | 65 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where K. Hovnanian American Mortgage, L.L.C. lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Maricopa County, AZ | Mortgage lenders | 85% | 977 | 827 |
| Harris County, TX | Mortgage lenders | 75% | 753 | 566 |
| Sacramento County, CA | Mortgage lenders | 92% | 477 | 441 |
| Collin County, TX | Mortgage lenders | 83% | 426 | 354 |
| Pinal County, AZ | Mortgage lenders | 79% | 393 | 309 |
| New Castle County, DE | Mortgage lenders | 93% | 325 | 302 |
| Middlesex County, NJ | Mortgage lenders | 94% | 318 | 299 |
| Sussex County, DE | Mortgage lenders | 94% | 310 | 292 |
| Kern County, CA | Mortgage lenders | 86% | 337 | 291 |
| St. Lucie County, FL | Mortgage lenders | 71% | 358 | 255 |
| Galveston County, TX | Mortgage lenders | 91% | 263 | 240 |
| Monmouth County, NJ | Mortgage lenders | 81% | 272 | 220 |
The county markets where K. Hovnanian American Mortgage, L.L.C. made the most loans. Each link opens that market with every lender ranked.
Questions about K. Hovnanian American Mortgage, L.L.C.
What is K. Hovnanian American Mortgage, L.L.C.'s mortgage approval rate?
K. Hovnanian American Mortgage, L.L.C. approved 83.7% of the 11,626 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 3.9 points below the 87.6% national rate for the same mix of loan types.
How often do borrowers take the loan K. Hovnanian American Mortgage, L.L.C. offers?
Borrowers accepted 100% of the loans K. Hovnanian American Mortgage, L.L.C. approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does K. Hovnanian American Mortgage, L.L.C. make?
The typical home purchase mortgage loan K. Hovnanian American Mortgage, L.L.C. made was $425K; across all loan types its typical loan ran from $335K to $425K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does K. Hovnanian American Mortgage, L.L.C. lend?
K. Hovnanian American Mortgage, L.L.C. decided applications in 14 of the states Fat Boy Data covers, most of them in Texas, California and Arizona.
Can I apply to K. Hovnanian American Mortgage, L.L.C. directly?
Yes. K. Hovnanian American Mortgage, L.L.C. reports as a direct lender that takes applications from borrowers. Its website is ham.com.
Does this page show K. Hovnanian American Mortgage, L.L.C.'s interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how K. Hovnanian American Mortgage, L.L.C. treats applications, then get a rate quote from the lender.