Nova Financial & Investment in Colorado vs the state
8.1%Denial rate-7.51 pts vs state
9.4%Decision denial rate-10.23 pts vs state
75.3%Origination rate+15.30 pts vs state
6.50%Median rate-0.13 pts vs state
0.13Rate spread (pts)-0.02 pts vs state
$13kMedian applicant income
464Loans originated
50Denied
Trend in Colorado
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 582 | 419 | 1.4% | 6.75% | #87 |
| 2024 | 591 | 445 | 1.9% | 6.88% | #88 |
| 2025 | 616 | 464 | 8.1% | 6.50% | #91 |
What Nova Financial & Investment lends in Colorado
By loan purpose
By loan type
Why it denied Colorado applicants
Where in Colorado
Counties with the most Nova Financial & Investment applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 116 | 98 | 2 | 1.7% |
| Arapahoe County | 106 | 84 | 8 | 7.5% |
| Denver County | 105 | 72 | 8 | 7.6% |
| Douglas County | 88 | 73 | 5 | 5.7% |
| El Paso County | 48 | 37 | 4 | 8.3% |
| Adams County | 40 | 29 | 4 | 10.0% |
| Weld County | 20 | 12 | 1 | 5.0% |
| Boulder County | 19 | 12 | 5 | 26.3% |
| Larimer County | 14 | 12 | 0 | 0.0% |
| Summit County | 9 | 8 | 1 | 11.1% |
Other large lenders in Colorado
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 23,111 | 8.8% | 6.13% |
| ENT Credit Union | B | 13,238 | 20.9% | 7.50% |
| Rocket Mortgage | C | 11,486 | 15.7% | 6.61% |
| Guild Mortgage | A | 6,232 | 3.1% | 6.62% |
| Bellco Credit Union | F | 5,863 | 40.9% | 8.00% |
| U.S. Bank | D | 4,978 | 36.0% | 7.95% |
| American Financing | D | 4,937 | 41.3% | 6.38% |
| FirstBank | C | 4,929 | 15.6% | 7.00% |
| Canvas Credit Union | C | 4,889 | 13.7% | 7.89% |
| Elevations | C | 4,426 | 10.8% | 6.88% |
Frequently asked questions
Colorado: 616 applications in 2025, of which 464 were originated and 50 denied.
8.1% of all applications, or 9.4% of the applications it actually decided on. The Colorado statewide average across all lenders was 15.6%.
The median rate on loans Nova Financial & Investment originated in Colorado in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are Nova Financial & Investment's own HMDA filing for properties located in Colorado, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology