Shares of home builders pulled back from last week's rally, as analysts said investors are trying to determine if the strong gains were warranted. Among the decliners was Ryland Group Inc. (RYL, $22.92, -$1.07, -4.46%), which fell after FTN Equity Capital cut its stock-investment rating on the company to neutral from buy, saying the shares are fairly valued. Other companies trading lower were Hovnanian Enterprises Inc. (HOV, $4.19, -$0.23, -5.21%), D.R. Horton Inc. (DHI, $12.96, -$0.56, -4.14%) and Lennar Corp. (LEN, $12.96, -$0.48, -3.54%).