Lenders › Kiavi Funding, Inc. › California
Kiavi Funding, Inc. in California
HMDA record for properties in California, calendar year 2024. National record · California overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
Kiavi Funding, Inc.'s 2024 HMDA record for California covers 3,958 applications, 3,044 of them originated, worth $2.0bn.
Its denial rate in the state was 8.0%, below the California rate of 24.8% across all lenders and compared with the lender's national rate of 10.3%.
Applications in the state were up 18% on 2023.
Compared with the state and the lender's national record
| Measure | In California | California, all lenders | Kiavi Funding, Inc., all states | United States |
|---|---|---|---|---|
| Denial rate | 8.0% | 24.8% | 10.3% | 24.3% |
| Median rate spread, pp | — | 0.4 | — | 0.3 |
| Originations with spread of 1.5 pp or more | — | 19.9% | — | 15.6% |
| Average originated loan | $665k | $566k | $296k | $329k |
| Home purchase share | 91.8% | 51.2% | 74.5% | 57.0% |
| FHA-insured share | 0.0% | 11.4% | 0.0% | 13.4% |
| VA-guaranteed share | 0.0% | 4.8% | 0.0% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateCalifornia, all lenders
Loan purpose and loan type in California
By purpose
Home purchase 92% (2,794)Refinancing 8% (250)
By type
Conventional 100% (3,044)
Denial reasons as coded
Share of 276 denials in California by first denial reason coded (outlined bar: all lenders in the state).
Counties in California
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 895 | 683 | $536m | 9.8% |
| San Diego County | 509 | 406 | $376m | 4.7% |
| San Bernardino County | 338 | 251 | $98m | 8.7% |
| Sacramento County | 264 | 208 | $82m | 4.5% |
| Orange County | 261 | 205 | $216m | 8.3% |
| Riverside County | 254 | 190 | $93m | 7.4% |
| Fresno County | 178 | 140 | $39m | 7.0% |
| Alameda County | 176 | 128 | $113m | 7.3% |
| Kern County | 137 | 110 | $26m | 4.1% |
| Contra Costa County | 116 | 90 | $66m | 8.7% |
| San Joaquin County | 101 | 74 | $26m | 13.8% |
| Stanislaus County | 85 | 70 | $21m | 4.1% |
| Santa Clara County | 84 | 62 | $80m | 8.7% |
| Tulare County | 70 | 49 | $11m | 10.2% |
| Solano County | 56 | 48 | $20m | 3.8% |
| San Mateo County | 52 | 39 | $52m | 10.6% |
| Placer County | 41 | 33 | $18m | 10.8% |
| Kings County | 38 | 28 | $5.4m | 13.9% |
| San Francisco County | 29 | 23 | $25m | 11.5% |
| Merced County | 27 | 22 | $7.2m | 12.0% |
| San Luis Obispo County | 25 | 20 | $16m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Kiavi Funding, Inc. originate in California in 2024?
3,044 loans totalling $2.0bn, from 3,958 applications reported for properties in California.
What is Kiavi Funding, Inc.'s denial rate in California?
8.0% of decided applications in California were denied, against 24.8% for all lenders in the state and 10.3% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which California counties does Kiavi Funding, Inc. lend in most?
By originations: Los Angeles County (683), San Diego County (406), San Bernardino County (251), Sacramento County (208), Orange County (205).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in California. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.