Lender profile · HMDA 2023–2025
Jovia Financial mortgage approval rates & lending data
Jovia Financial decided 6,818 mortgage applications and funded 3,566 loans across the 616 counties Fat Boy Data covers, 2023–2025.
Approval by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 65% | 330 / 508 | 85% | $445K | 279 |
| Home improvement loans | 56% | 2,573 / 4,567 | 93% | $155K | 2,401 |
| Cash-out refinance | 49% | 83 / 169 | 78% | $335K | 65 |
| Refinance | 62% | 783 / 1,265 | 93% | $205K | 726 |
| Investment property purchase | 54% | 27 / 50 | 81% | $315K | 22 |
| Investment refinance | 32% | 12 / 38 | 92% | $475K | 11 |
| Investment home improvement | 29% | 59 / 206 | 97% | $225K | 57 |
Jovia Financial lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| New York | 57% | $155K | 6,787 | 3,554 |
| Florida | 48% | $315K | 23 | 10 |
| New Jersey | 40% | $715K | 5 | 2 |
| Maryland | 0% | — | 2 | 0 |
| Pennsylvania | 0% | — | 1 | 0 |
Covers the 616 counties in the Fat Boy Data footprint, which is 79.6% of the US population — not every county in each state. Methodology.