Nova Financial & Investment Corporation: 2025 mortgage rates, costs & approvals
How Nova Financial & Investment Corporation priced and approved home loans in 2025, measured against every lender in the official HMDA records.
HMDA legal name: NOVA FINANCIAL & INVESTMENT CORPORATION · LEI 549300HIVO8XPBPNVG69
In 2025, Nova Financial & Investment Corporation originated 3,837 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 25 states — 171st by volume among the 2,017 lenders profiled here.
On conventional 30-year fixed purchase loans its median rate was 6.625% (all lenders: 6.625%); its median rate spread was 6 basis points above the national median. Median conventional loan costs were $3,910, 30% lower than the national median ($5,570).
It denied 14.0% of completed home-purchase applications (all lenders: 8.5%).
How Nova Financial & Investment Corporation priced home-purchase loans
| Purchase loans, 2025 | Nova Financial & Investment Corporation | All lenders |
|---|---|---|
| 30-year fixed rate · conventional | 6.625% | 6.625% |
| 30-year fixed rate · FHA | 6.250% | 6.250% |
| 30-year fixed rate · VA | 6.250% | 6.125% |
| 15-year fixed rate · conventional | 5.990% | 5.875% |
| Rate spread vs. APOR · conventional | +0.20 pts | +0.13 pts |
| Total loan costs · conventional | $3,910 | $5,570 |
| Total loan costs · FHA | $7,900 | $11,310 |
| Total loan costs · VA | $7,100 | $6,490 |
| Origination charges (all types) | $50 | $1,860 |
| Borrowers paying discount points | 67.1% | 51.3% |
| Points paid, when paid (% of loan) | 0.81% | 0.87% |
| Borrowers receiving lender credits | 0.5% | 33.1% |
Medians shown with at least 20 loans. A lender's numbers reflect its borrowers (credit, down payment, loan size, location) as well as its pricing; HMDA has no credit scores. Rate spread = APR minus the average prime offer rate on the lock date, which removes most of the effect of when the rate was locked.
Loan mix and borrowers
By loan type
By purpose
Why Nova Financial & Investment Corporation denied purchase applications
First reason the lender reported for each denied home-purchase application.
Where Nova Financial & Investment Corporation lends
| State | Loans | Applications | Purchase denial rate | 30-yr rate* | Loan costs* |
|---|---|---|---|---|---|
| Arizona | 2,692 | 3,401 | 14.9% | 6.625% | $3,420 |
| Colorado | 408 | 456 | 5.4% | 6.750% | $3,790 |
| Washington | 218 | 243 | 5.1% | 6.625% | $8,930 |
| Nevada | 131 | 177 | 21.4% | 6.750% | $5,420 |
| California | 109 | 147 | 24.0% | 6.625% | $6,000 |
| New Mexico | 71 | 99 | 22.8% | 6.750% | $3,630 |
| Oregon | 70 | 90 | 15.9% | 6.750% | $5,450 |
| Texas | 52 | 62 | 10.4% | 6.490% | $6,010 |
| Florida | 36 | 42 | 6.5% | — | — |
| Pennsylvania | 10 | 11 | — | — | — |
| Idaho | 7 | 8 | — | — | — |
| Illinois | 6 | 6 | — | — | — |
| Tennessee | 4 | 5 | — | — | — |
| Utah | 4 | 5 | — | — | — |
| North Carolina | 4 | 4 | — | — | — |
| Kansas | 3 | 4 | — | — | — |
| Indiana | 2 | 2 | — | — | — |
| Montana | 2 | 2 | — | — | — |
| Oklahoma | 2 | 2 | — | — | — |
| Kentucky | 1 | 2 | — | — | — |
| South Carolina | 1 | 2 | — | — | — |
| Alabama | 1 | 1 | — | — | — |
| Nebraska | 1 | 1 | — | — | — |
| New Jersey | 1 | 1 | — | — | — |
| Wyoming | 1 | 1 | — | — | — |
*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open Nova Financial & Investment Corporation's page for that state.
Counties where Nova Financial & Investment Corporation is a top lender
| County | Rank | Loans | Market share |
|---|---|---|---|
| Yuma County, AZ | 2 | 449 | 15.6% |
| Greenlee County, AZ | 2 | 4 | 13.3% |
| Sierra County, NM | 1 | 10 | 12.5% |
| Graham County, AZ | 2 | 54 | 11.3% |
| Pima County, AZ | 2 | 1,117 | 7.8% |
| Hidalgo County, NM | 7 | 1 | 7.7% |
| La Paz County, AZ | 4 | 4 | 7.3% |
| Clark County, KS | 7 | 1 | 6.7% |
| Santa Cruz County, AZ | 3 | 36 | 5.4% |
| Crosby County, TX | 11 | 1 | 3.2% |
| Luna County, NM | 10 | 4 | 3.0% |
| Cochise County, AZ | 8 | 53 | 2.9% |
| Cibola County, NM | 19 | 1 | 1.9% |
| Doña Ana County, NM | 14 | 43 | 1.7% |
| Kit Carson County, CO | 25 | 1 | 1.6% |
Check Nova Financial & Investment Corporation yourself
- FFIEC HMDA Data Browser — the official 2025 records filed under LEI 549300HIVO8XPBPNVG69.
- NMLS Consumer Access — confirm the company and loan officer are licensed in your state.
- CFPB Consumer Complaint Database — search complaints by company name.
- Compare your Loan Estimate from Nova Financial & Investment Corporation with similar 2025 loans.
This is a statistical profile, not a review or recommendation. HMDA data alone cannot show whether a lender complies with fair-lending laws, and a lender's medians depend on the borrowers it serves.
Lenders of similar size
Source: FFIEC/CFPB HMDA 2025 public LAR and filer list. Core segment: owner-occupied, single-family site-built, first-lien, closed-end purchase and refinance loans. Methodology