Nova Financial & Investment in Texas vs the state
19.5%Denial rate+0.08 pts vs state
21.9%Decision denial rate-2.98 pts vs state
69.5%Origination rate+14.63 pts vs state
6.49%Median rate-0.01 pts vs state
0.21Rate spread (pts)+0.01 pts vs state
$10kMedian applicant income
57Loans originated
16Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 60 | 37 | 6.7% | 6.88% | #668 |
| 2024 | 62 | 34 | 8.1% | 6.87% | #644 |
| 2025 | 82 | 57 | 19.5% | 6.49% | #601 |
What Nova Financial & Investment lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Nova Financial & Investment applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Tarrant County | 13 | 12 | 1 | 7.7% |
| Travis County | 11 | 9 | 1 | 9.1% |
| Dallas County | 9 | 6 | 1 | 11.1% |
| Ellis County | 9 | 6 | 3 | 33.3% |
| El Paso County | 4 | 2 | 1 | 25.0% |
| Williamson County | 4 | 3 | 0 | 0.0% |
| Bell County | 3 | 0 | 3 | 100.0% |
| Montgomery County | 3 | 1 | 0 | 0.0% |
| Bexar County | 3 | 2 | 1 | 33.3% |
| Lubbock County | 2 | 2 | 0 | 0.0% |
Other large lenders in Texas
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 56,491 | 11.0% | 6.25% |
| Rocket Mortgage | C | 45,658 | 22.4% | 6.63% |
| 21st Mortgage | F | 37,961 | 45.9% | 9.94% |
| Dhi Mortgage Company | B | 26,348 | 13.5% | 4.50% |
| Lennar Mortgage | A | 21,959 | 20.5% | 4.50% |
| Bank of America | F | 18,008 | 43.0% | 6.24% |
| JPMorgan Chase Bank | B | 16,260 | 9.8% | 6.45% |
| CMG Mortgage | A | 15,978 | 3.9% | 6.50% |
| Vanderbilt Mortgage and Finance | F | 15,683 | 44.7% | 10.50% |
| Triad Financial Services | D | 15,158 | 50.0% | 9.35% |
Frequently asked questions
Texas: 82 applications in 2025, of which 57 were originated and 16 denied.
19.5% of all applications, or 21.9% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Nova Financial & Investment originated in Texas in 2025 was 6.49%, against a statewide median of 6.50%.
About this data. Figures are Nova Financial & Investment's own HMDA filing for properties located in Texas, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology