NHibernate (as a lot of frameworks of IoC) has reflection optimizers to create objects, set and get field/properties. So you don’t have to be worried about that matter: NHibernate isn’t using a plain reflection approach.
This could be an very good argument at the time to “sell NHibernate” to: a customer, a Company or my boss. Have a look on the results of a demo proyect:

As you can see the use of the reflection optimized is faster than the use of reflection. Obviously direct access is the fastest way, but impossible to use in a ORM like NHibernate (as in many other frameworks).
Conclusions
- Using reflection-optimizer, make the application faster than using of a plain reflection-approach.
- Field access is faster than property access. This could be a good argument at time to choose field instead of property approach in our mappings files.
- The obviously but we have to said it: direct access is always the fastest way.
You can download the demo application here.
Thanks to Fabio Maulo to make this example looks nicer. Gracias che !