Lenders › Kiavi Funding, Inc. › Florida
Kiavi Funding, Inc. in Florida
HMDA record for properties in Florida, calendar year 2024. National record · Florida 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 Florida covers 3,859 applications, 2,684 of them originated, worth $823m.
Its denial rate in the state was 12.3%, below the Florida rate of 29.0% across all lenders and compared with the lender's national rate of 10.3%.
Applications in the state were about level with 2023.
Compared with the state and the lender's national record
| Measure | In Florida | Florida, all lenders | Kiavi Funding, Inc., all states | United States |
|---|---|---|---|---|
| Denial rate | 12.3% | 29.0% | 10.3% | 24.3% |
| Median rate spread, pp | — | 0.3 | — | 0.3 |
| Originations with spread of 1.5 pp or more | — | 16.4% | — | 15.6% |
| Average originated loan | $306k | $359k | $296k | $329k |
| Home purchase share | 82.1% | 62.9% | 74.5% | 57.0% |
| FHA-insured share | 0.0% | 17.7% | 0.0% | 13.4% |
| VA-guaranteed share | 0.0% | 9.5% | 0.0% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateFlorida, all lenders
Loan purpose and loan type in Florida
By purpose
Home purchase 82% (2,204)Refinancing 18% (480)
By type
Conventional 100% (2,684)
Denial reasons as coded
Share of 392 denials in Florida by first denial reason coded (outlined bar: all lenders in the state).
Counties in Florida
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Duval County | 397 | 310 | $59m | 7.8% |
| Pinellas County | 327 | 236 | $97m | 10.2% |
| Miami-Dade County | 353 | 214 | $102m | 22.2% |
| Broward County | 267 | 176 | $76m | 15.7% |
| Orange County | 210 | 143 | $43m | 9.6% |
| Hillsborough County | 201 | 135 | $44m | 15.0% |
| Lee County | 173 | 130 | $39m | 8.1% |
| Volusia County | 146 | 99 | $23m | 13.3% |
| Brevard County | 136 | 98 | $23m | 14.4% |
| Polk County | 134 | 95 | $20m | 11.1% |
| Palm Beach County | 143 | 94 | $43m | 13.9% |
| Pasco County | 121 | 86 | $19m | 11.7% |
| Sarasota County | 111 | 82 | $24m | 8.3% |
| Okaloosa County | 94 | 72 | $18m | 6.3% |
| St. Lucie County | 91 | 64 | $17m | 8.3% |
| Escambia County | 82 | 58 | $9.8m | 6.2% |
| Seminole County | 74 | 50 | $14m | 15.9% |
| Marion County | 64 | 49 | $9.9m | 7.5% |
| Leon County | 62 | 49 | $9.8m | 10.9% |
| Charlotte County | 73 | 44 | $13m | 16.1% |
| Lake County | 53 | 39 | $8.4m | 8.9% |
| Manatee County | 53 | 35 | $13m | 17.8% |
| Indian River County | 48 | 35 | $11m | 10.0% |
| Hernando County | 40 | 34 | $8.9m | 2.9% |
| Flagler County | 36 | 33 | $11m | 2.9% |
| Clay County | 42 | 31 | $7.7m | 13.9% |
| Osceola County | 37 | 25 | $6.7m | 12.9% |
| Alachua County | 40 | 22 | $4.4m | 14.8% |
| Santa Rosa County | 32 | 22 | $5.8m | — |
| Collier County | 29 | 19 | $7.9m | 26.9% |
| St. Johns County | 27 | 16 | $4.4m | — |
| Bay County | 31 | 15 | $3.3m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Kiavi Funding, Inc. originate in Florida in 2024?
2,684 loans totalling $823m, from 3,859 applications reported for properties in Florida.
What is Kiavi Funding, Inc.'s denial rate in Florida?
12.3% of decided applications in Florida were denied, against 29.0% 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 Florida counties does Kiavi Funding, Inc. lend in most?
By originations: Duval County (310), Pinellas County (236), Miami-Dade County (214), Broward County (176), Orange County (143).
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 Florida. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.