Kiavi Funding in Alabama vs the state
5.6%Denial rate-14.27 pts vs state
10.5%Decision denial rate-14.50 pts vs state
46.5%Origination rate-8.94 pts vs state
9.95%Median rate+3.45 pts vs state
—Rate spread (pts)
—Median applicant income
608Loans originated
73Denied
Trend in Alabama
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 281 | 178 | 14.6% | 11.00% | #108 |
| 2024 | 536 | 376 | 11.9% | 10.95% | #71 |
| 2025 | 1,309 | 608 | 5.6% | 9.95% | #41 |
What Kiavi Funding lends in Alabama
By loan purpose
By loan type
Why it denied Alabama applicants
Where in Alabama
Counties with the most Kiavi Funding applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 496 | 176 | 19 | 3.8% |
| Montgomery County | 217 | 77 | 4 | 1.8% |
| Madison County | 146 | 110 | 9 | 6.2% |
| Mobile County | 80 | 48 | 8 | 10.0% |
| Calhoun County | 53 | 2 | 1 | 1.9% |
| Morgan County | 46 | 33 | 2 | 4.3% |
| Limestone County | 32 | 22 | 3 | 9.4% |
| Autauga County | 23 | 19 | 1 | 4.3% |
| Baldwin County | 20 | 15 | 1 | 5.0% |
| Coffee County | 20 | 7 | 1 | 5.0% |
Other large lenders in Alabama
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Regions Bank | C | 11,871 | 37.2% | 4.99% |
| Rocket Mortgage | C | 9,941 | 20.5% | 6.63% |
| Vanderbilt Mortgage and Finance | F | 8,461 | 41.4% | 9.50% |
| United Shore Financial Services | B | 7,689 | 12.0% | 6.13% |
| 21st Mortgage | F | 6,507 | 46.0% | 9.98% |
| Mortgage Research Center | C | 5,107 | 18.4% | 6.25% |
| REDSTONE Federal Credit Union | C | 4,548 | 18.9% | 8.13% |
| Dhi Mortgage Company | B | 3,909 | 17.5% | 4.99% |
| Freedom Mortgage | B | 3,725 | 8.7% | 6.25% |
| Pennymac Loan Services | C | 3,611 | 11.6% | 6.25% |
Frequently asked questions
Alabama: 1,309 applications in 2025, of which 608 were originated and 73 denied.
5.6% of all applications, or 10.5% of the applications it actually decided on. The Alabama statewide average across all lenders was 19.9%.
The median rate on loans Kiavi Funding originated in Alabama in 2025 was 9.95%, against a statewide median of 6.50%.
About this data. Figures are Kiavi Funding's own HMDA filing for properties located in Alabama, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology