Jovia Financial mortgage approval rate & lending review
Jovia Financial decided 6,818 mortgage applications and funded 3,566 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Jovia Financial reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Jovia Financial at a glance
Approval is 10.4 points below the 67.2% national rate for the same mix of loan types.
Approval rates 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
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Jovia Financial lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Nassau County, NY | Home improvement loans | 59% | 2,462 | 1,343 |
| Suffolk County, NY | Home improvement loans | 57% | 1,505 | 809 |
| Nassau County, NY | Refinance | 65% | 799 | 481 |
| Suffolk County, NY | Refinance | 63% | 339 | 199 |
| Nassau County, NY | Mortgage lenders | 70% | 282 | 163 |
| Queens County, NY | Home improvement loans | 44% | 338 | 137 |
| Suffolk County, NY | Mortgage lenders | 66% | 157 | 88 |
| Kings County, NY | Home improvement loans | 49% | 123 | 54 |
| Nassau County, NY | Cash-out refinance | 58% | 106 | 48 |
| Queens County, NY | Refinance | 44% | 66 | 26 |
| Orange County, NY | Home improvement loans | 45% | 31 | 14 |
| Westchester County, NY | Home improvement loans | 52% | 25 | 13 |
The county markets where Jovia Financial made the most loans. Each link opens that market with every lender ranked.
Questions about Jovia Financial
What is Jovia Financial's mortgage approval rate?
Jovia Financial approved 56.8% of the 6,818 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 10.4 points below the 67.2% national rate for the same mix of loan types.
How often do borrowers take the loan Jovia Financial offers?
Borrowers accepted 92% of the loans Jovia Financial approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Jovia Financial make?
The typical home improvement loan loan Jovia Financial made was $155K; across all loan types its typical loan ran from $155K to $475K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Jovia Financial lend?
Jovia Financial decided applications in 5 of the states Fat Boy Data covers, most of them in New York, Florida and New Jersey.
Can I apply to Jovia Financial directly?
Yes. Jovia Financial is a bank or credit union with 20 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Jovia Financial's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Jovia Financial treats applications, then get a rate quote from the lender.