Investment Lender
Novak Financial
Novak Financial, Inc., based in the Baltimore area (Owings Mills, MD), is a private non-bank lender providing hard money loans tailored for real estate investors, focusing on short-term financing for property renovations, fix-and-flip projects, and construction to help maximize investor profits through quick, asset-based funding.
Key Statistics
As of December 2025, public records show Novak Financial has originated approximately $4.8M in loan volume over the past 12 months, with an average loan size of $159k.
Volume (12mo)
$4.8M
Avg Loan Size
$159k
Total Mortgages
1,003
Total Borrowers
282
Lending Entities
Novak Financial funds loans through the following entities. These are the legal entities that appear on recorded mortgage documents.
523 mortgages recorded
444 mortgages recorded
+17 more not shown
Geography
Novak Financial's lending activity is concentrated in the following states, based on recorded mortgage data from the past 12 months.
Mortgages (12mo): 19
Volume (12mo): $4.2M
Total Volume: $125.6M
Mortgages (12mo): 2
Volume (12mo): $610k
Total Volume: $5.6M
Mortgages (12mo): 0
Volume (12mo): $0
Total Volume: $459k
Top Borrowers
The following individuals have the most recorded mortgage transactions with Novak Financial. Click on a borrower to view their full investor profile.
+279 more not shown
FAQ
What type of lender is Novak Financial?
Novak Financial is classified as an investment lender based on our research. Investment lenders provide asset-based financing for real estate investors, including DSCR, fix and flip, and bridge loans. The majority of their loans (75%) are for business purposes.
What entities does Novak Financial fund loans under?
Novak Financial originates mortgages through 19 different lending entities. The most common include Novak Financial and Worthington Alternative Capital. These are the legal entity names that appear on recorded mortgage documents.
Where is Novak Financial most active?
Based on recorded mortgages, Novak Financial is most active in Maryland, Pennsylvania, and Ohio.
How many loans has Novak Financial originated?
Public records show 1,003 mortgages recorded for Novak Financial, with $4.8M in volume over the past 12 months.
What is the average loan size for Novak Financial?
The average mortgage size for Novak Financial is $159k based on all recorded mortgages.
Does Novak Financial offer short-term loans?
Novak Financial primarily offers long-term financing, with only 36% of loans being short-term.
How is this data collected?
Elementix aggregates mortgage data from public county records across the United States. We use AI to normalize lender names, identify aliases, and connect borrowers to their lending relationships.