Nova Financial & Investment in Oregon vs the state
17.7%Denial rate+2.41 pts vs state
21.7%Decision denial rate+2.55 pts vs state
61.4%Origination rate+0.77 pts vs state
6.63%Median rate-0.13 pts vs state
0.35Rate spread (pts)+0.07 pts vs state
$8kMedian applicant income
97Loans originated
28Denied
Trend in Oregon
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 182 | 93 | 8.8% | 6.75% | #112 |
| 2024 | 149 | 94 | 12.8% | 6.75% | #130 |
| 2025 | 158 | 97 | 17.7% | 6.63% | #139 |
What Nova Financial & Investment lends in Oregon
By loan purpose
By loan type
Why it denied Oregon applicants
Where in Oregon
Counties with the most Nova Financial & Investment applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Lane County | 80 | 49 | 13 | 16.3% |
| Douglas County | 23 | 14 | 4 | 17.4% |
| Linn County | 11 | 9 | 2 | 18.2% |
| Multnomah County | 9 | 8 | 1 | 11.1% |
| Coos County | 5 | 3 | 2 | 40.0% |
| Marion County | 5 | 4 | 0 | 0.0% |
| Washington County | 5 | 3 | 0 | 0.0% |
| Benton County | 3 | 3 | 0 | 0.0% |
| Deschutes County | 2 | 1 | 0 | 0.0% |
| Clackamas County | 2 | 1 | 0 | 0.0% |
Other large lenders in Oregon
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Onpoint Community Credit Union | B | 10,710 | 15.7% | 7.50% |
| Rocket Mortgage | C | 6,649 | 16.3% | 6.75% |
| United Shore Financial Services | B | 6,600 | 10.4% | 6.25% |
| Guild Mortgage | A | 6,034 | 2.6% | 6.55% |
| U.S. Bank | D | 4,875 | 31.6% | 7.85% |
| Umpqua Bank | C | 3,155 | 23.0% | 7.50% |
| Newrez | D | 2,945 | 12.9% | 6.63% |
| CMG Mortgage | A | 2,702 | 2.9% | 6.50% |
| Pennymac Loan Services | C | 2,642 | 10.2% | 6.62% |
| Rogue Credit Union | C | 2,511 | 10.2% | 7.49% |
Frequently asked questions
Oregon: 158 applications in 2025, of which 97 were originated and 28 denied.
17.7% of all applications, or 21.7% of the applications it actually decided on. The Oregon statewide average across all lenders was 15.3%.
The median rate on loans Nova Financial & Investment originated in Oregon in 2025 was 6.63%, against a statewide median of 6.75%.
About this data. Figures are Nova Financial & Investment's own HMDA filing for properties located in Oregon, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology