# NOVA FINANCIAL & INVESTMENT CORPORATION

> **Canonical URL:** https://saferate.com/lenders/nova-financial-investment


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


NOVA FINANCIAL & INVESTMENT CORPORATION is a independent mortgage company, headquartered in TUCSON, AZ, serving borrowers across 20 states, with 3,818 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 63% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 18% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300HIVO8XPBPNVG69
- **Headquarters:** TUCSON, AZ
- **Geographic Reach:** Multi-Region
- **States Served:** 20
- **State List:** AL, AZ, CA, CO, FL, ID, IL, IN, MT, NE, NM, NV, OK, OR, PA, TN, TX, UT, WA, WY
- **Markets (MSAs):** 21
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 37/100
- Rating: ●●○○○ (2/5)

### Pull Through: Exceptional 🤩
- Score: 82/100
- Rating: ●●●●● (5/5)

### Pricing Details
- **Average Rate Spread:** +0.362%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,630
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 3,818
- **Dollar Volume:** $1.4 billion
- **Applications Received:** 5,508
- **Market Share:** 11.00%

## Typical Borrower Profile

- **Average Loan Amount:** $365,086
- **Average Borrower Income:** $140,820
- **Average Property Value:** $471,045

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (62%)
- ⭐ **FHA Gold Superstar** (70%)
- ⭐ **Jumbo Gold Superstar** (63%)
- ⭐ **Purchase Gold Superstar** (62%)
- ⭐ **Refinance Gold Superstar** (62%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 85/100 | 2,165 | +0.359% | $2,514 | Exceptional 🤩 |
| FHA | 86/100 | 1,199 | +0.505% | $2,943 | Exceptional 🤩 |
| VA | 82/100 | 357 | +0.080% | $2,983 | Exceptional 🤩 |
| Jumbo | 79/100 | 64 | +0.285% | $1,596 | Strong 😀 |
| USDA | 80/100 | 33 | -0.024% | $1,519 | Exceptional 🤩 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 1,742 loans, Score: 85/100 (Exceptional)
- Refinance: 423 loans, Score: 82/100 (Exceptional)

**FHA:**
- Purchase: 1,050 loans, Score: 86/100 (Exceptional)
- Refinance: 149 loans, Score: 81/100 (Exceptional)

**VA:**
- Purchase: 325 loans, Score: 82/100 (Exceptional)
- Refinance: 32 loans, Score: 76/100 (Strong)

**Jumbo:**
- Purchase: 60 loans, Score: 79/100 (Strong)

**USDA:**
- Purchase: 33 loans, Score: 80/100 (Exceptional)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 86/100 | 3,210 | $1.2B | +0.374% | Exceptional 🤩 |
| Refinance | 83/100 | 608 | $181M | +0.327% | Exceptional 🤩 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| AZ | 2,769 | 2.79% | 96/100 |
| CO | 413 | 0.49% | 75/100 |
| WA | 217 | 0.26% | 70/100 |
| NV | 154 | 0.38% | 70/100 |
| OR | 72 | 0.17% | 59/100 |
| CA | 69 | 0.02% | 49/100 |
| TX | 34 | 0.01% | 42/100 |
| FL | 31 | 0.01% | 41/100 |
| NM | 25 | 0.12% | 49/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Tucson, AZ | AZ | 1,064 | 100/100 |
| Phoenix | AZ | 970 | 86/100 |
| Yuma, AZ | AZ | 489 | 100/100 |
| Denver | CO | 316 | 76/100 |
| Non |  | 159 | 52/100 |
| Las Vegas | NV | 146 | 71/100 |
| Tacoma | WA | 114 | 76/100 |
| Sierra Vista | AZ | 67 | 76/100 |
| Portland | OR-WA | 44 | 54/100 |
| Prescott Valley | AZ | 39 | 64/100 |
| Colorado Springs, CO | CO | 37 | 54/100 |
| Eugene | OR | 36 | 60/100 |
| San Diego | CA | 27 | 49/100 |
| Seattle | WA | 26 | 49/100 |
| Greeley, CO | CO | 24 | 53/100 |

## Where This Lender Ranks

NOVA FINANCIAL & INVESTMENT CORPORATION appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥈 **#2** in Tucson, AZ for Jumbo Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/tucson-az/best-mortgage-lenders/mortgage-companies/jumbo-loans)
- 🥈 **#2** in Yuma, AZ Mortgage Companies
  - [View Full Rankings](https://saferate.com/yuma-az/best-mortgage-lenders/mortgage-companies)
- 🥈 **#2** in Yuma, AZ for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/yuma-az/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🥈 **#2** in Yuma, AZ for FHA Loans
  - [View Full Rankings](https://saferate.com/yuma-az/best-mortgage-lenders/fha-loans)
- 🥈 **#2** in Yuma, AZ for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/yuma-az/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🥉 **#3** in Tucson, AZ for Jumbo Loans
  - [View Full Rankings](https://saferate.com/tucson-az/best-mortgage-lenders/jumbo-loans)
- 🥉 **#3** in Phoenix for USDA Loans
  - [View Full Rankings](https://saferate.com/phoenix/best-mortgage-lenders/usda-loans)
- 🥉 **#3** in Phoenix for USDA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/phoenix/best-mortgage-lenders/mortgage-companies/usda-loans)
- 🥉 **#3** in Yuma, AZ
  - [View Full Rankings](https://saferate.com/yuma-az/best-mortgage-lenders)
- 🥉 **#3** in Yuma, AZ for Conventional Loans
  - [View Full Rankings](https://saferate.com/yuma-az/best-mortgage-lenders/conventional-loans)
- 🥉 **#3** in Yuma, AZ for USDA Loans
  - [View Full Rankings](https://saferate.com/yuma-az/best-mortgage-lenders/usda-loans)
- 🥉 **#3** in Yuma, AZ for USDA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/yuma-az/best-mortgage-lenders/mortgage-companies/usda-loans)
- 🥉 **#3** in Sierra Vista for FHA Loans
  - [View Full Rankings](https://saferate.com/sierra-vista/best-mortgage-lenders/fha-loans)
- 🥉 **#3** in Sierra Vista for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/sierra-vista/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#5** in Arizona for Jumbo Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/arizona/best-mortgage-lenders/mortgage-companies/jumbo-loans)
- 🏆 **#5** in Tucson, AZ Mortgage Companies
  - [View Full Rankings](https://saferate.com/tucson-az/best-mortgage-lenders/mortgage-companies)
- 🏆 **#5** in Tucson, AZ for FHA Loans
  - [View Full Rankings](https://saferate.com/tucson-az/best-mortgage-lenders/fha-loans)
- 🏆 **#5** in Tucson, AZ for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/tucson-az/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#5** in Phoenix for Jumbo Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/phoenix/best-mortgage-lenders/mortgage-companies/jumbo-loans)
- 🏆 **#5** in Eugene for FHA Loans
  - [View Full Rankings](https://saferate.com/eugene/best-mortgage-lenders/fha-loans)

## Frequently Asked Questions

### What loan types does NOVA FINANCIAL & INVESTMENT CORPORATION offer?

NOVA FINANCIAL & INVESTMENT CORPORATION offers the following mortgage loan types: FHA, Conventional, VA, Jumbo, USDA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does NOVA FINANCIAL & INVESTMENT CORPORATION offer mortgages?

NOVA FINANCIAL & INVESTMENT CORPORATION offers mortgages in 20 states: AL, AZ, CA, CO, FL, ID, IL, IN, MT, NE, NM, NV, OK, OR, PA, TN, TX, UT, WA, WY.

### How competitive are NOVA FINANCIAL & INVESTMENT CORPORATION's mortgage rates?

NOVA FINANCIAL & INVESTMENT CORPORATION has a pricing score of 37/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.362% above market average.

### What type of lender is NOVA FINANCIAL & INVESTMENT CORPORATION?

NOVA FINANCIAL & INVESTMENT CORPORATION is a non-depository lender that specializes in mortgage origination, headquartered in TUCSON, AZ.

### What is NOVA FINANCIAL & INVESTMENT CORPORATION's loan approval success rate?

NOVA FINANCIAL & INVESTMENT CORPORATION has a pull-through score of 82/100 (Exceptional). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/nova-financial-investment

### How to Cite

> "NOVA FINANCIAL & INVESTMENT CORPORATION Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/nova-financial-investment

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