Kiavi Funding in California vs the state
6.0%Denial rate-11.43 pts vs state
7.4%Decision denial rate-14.99 pts vs state
72.4%Origination rate+16.18 pts vs state
9.75%Median rate+3.13 pts vs state
—Rate spread (pts)
—Median applicant income
3,237Loans originated
268Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 3,354 | 2,376 | 7.6% | 9.99% | #48 |
| 2024 | 3,958 | 3,044 | 7.0% | 10.47% | #45 |
| 2025 | 4,472 | 3,237 | 6.0% | 9.75% | #47 |
What Kiavi Funding lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Kiavi Funding applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 1,025 | 754 | 74 | 7.2% |
| San Diego County | 381 | 275 | 26 | 6.8% |
| Orange County | 377 | 312 | 13 | 3.4% |
| San Bernardino County | 330 | 247 | 21 | 6.4% |
| Sacramento County | 303 | 196 | 17 | 5.6% |
| Riverside County | 292 | 224 | 12 | 4.1% |
| Fresno County | 210 | 154 | 15 | 7.1% |
| Alameda County | 190 | 139 | 13 | 6.8% |
| Contra Costa County | 148 | 118 | 5 | 3.4% |
| Kern County | 148 | 110 | 10 | 6.8% |
Other large lenders in California
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 79,261 | 12.6% | 6.49% |
| Rocket Mortgage | C | 58,925 | 17.6% | 6.75% |
| Bank of America | F | 40,190 | 30.8% | 5.99% |
| U.S. Bank | D | 32,493 | 31.6% | 6.50% |
| JPMorgan Chase Bank | B | 22,048 | 9.7% | 6.13% |
| Spring Eq | D | 21,601 | 50.8% | 8.88% |
| Schoolsfirst | A | 19,086 | 10.0% | 6.25% |
| Pennymac Loan Services | C | 18,754 | 13.5% | 6.50% |
| Newrez | D | 17,000 | 19.3% | 6.63% |
| Loandepot.Com | D | 16,645 | 18.7% | 6.63% |
Frequently asked questions
California: 4,472 applications in 2025, of which 3,237 were originated and 268 denied.
6.0% of all applications, or 7.4% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Kiavi Funding originated in California in 2025 was 9.75%, against a statewide median of 6.63%.
About this data. Figures are Kiavi Funding's own HMDA filing for properties located in California, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology