Kiavi Funding, INC.
SAN FRANCISCO, CA
Kiavi Funding, INC. processed 30,015 mortgage applications in 2024 per HMDA data reported to the Consumer Financial Protection Bureau (CFPB), originating 21,996 loans with a 8.7% denial rate. Home Purchase was the primary loan purpose. Based in SAN FRANCISCO, CA. The approval rate of 73.3% reflects originated loans as a share of all applications.
Why approval and denial rates diverge. Approval (origination) rate and denial rate do not sum to 100% - HMDA records several outcomes beyond approved-and-funded, including files that were approved but not accepted by the applicant, withdrawn, or closed for incompleteness. Kiavi Funding, INC.'s 73.3% origination rate tells you how often an application turned into funded money; the 8.7% denial rate is a separate read on underwriting strictness. The most frequently cited denial reasons in this file were Collateral, Unverifiable information, Credit history, which together explain the majority of rejections. Most activity concentrated in Conventional loans (30,015 applications).
How to read this page. These figures are aggregate HMDA disclosures, they describe this lender's overall 2024 book, not your individual odds. Approval and denial rates are shaped by the applicant mix a lender actually receives: credit profile, loan-to-value, debt-to-income, property type, and geography. A lower denial rate at one lender versus another does not necessarily mean easier underwriting, it often reflects borrower self-selection and loan-product specialization. This page is informational data reporting, not financial, legal, or mortgage advice. Compare multiple lenders, read your Loan Estimate carefully, and consult a licensed mortgage professional before applying. Data reflects 2024 disclosures published by the CFPB in 2025.
Lending Activity
| Type | Applications | Originated | Denied | Avg Loan |
|---|---|---|---|---|
| Conventional | 30,015 | 21,996 | 2,620 | $296,989 |
Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2024 LAR, application-level mortgage data for Kiavi Funding, INC. (LEI: 5493006VAGP3GQ8FJT49) · 2024 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.
Denial Analysis
Loan Purpose Breakdown
| Purpose | Applications | Originated | Avg Loan |
|---|---|---|---|
| Home Purchase | 21,930 | 16,384 | $321,579 |
| Refinancing | 8,085 | 5,612 | $230,291 |
Nearby Lenders in CA
Other HMDA-reporting lenders in CA with similar activity. Compare any two side-by-side.
Pennymac Loan Services LLC
WESTLAKE VILLAGE, CA
Bank of America NA
Westlake Village, CA
AmeriHome Mortgage Company, LLC
Thousand Oaks, CA
Loandepot.Com, LLC
IRVINE, CA
New American Funding, LLC.
TUSTIN, CA
Mortgage Lending Guides
Frequently Asked Questions
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Data Sources
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.