Kiavi Funding in Florida vs the state
10.3%Denial rate-10.73 pts vs state
13.7%Decision denial rate-13.51 pts vs state
62.9%Origination rate+10.19 pts vs state
10.20%Median rate+3.57 pts vs state
—Rate spread (pts)
—Median applicant income
2,385Loans originated
392Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 3,726 | 2,392 | 13.8% | 10.70% | #55 |
| 2024 | 3,859 | 2,684 | 10.2% | 11.00% | #53 |
| 2025 | 3,793 | 2,385 | 10.3% | 10.20% | #56 |
What Kiavi Funding lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Kiavi Funding applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Duval County | 421 | 278 | 36 | 8.6% |
| Miami-Dade County | 350 | 199 | 40 | 11.4% |
| Pinellas County | 325 | 201 | 32 | 9.8% |
| Hillsborough County | 235 | 156 | 14 | 6.0% |
| Broward County | 228 | 141 | 30 | 13.2% |
| Palm Beach County | 206 | 85 | 20 | 9.7% |
| Polk County | 168 | 117 | 7 | 4.2% |
| Orange County | 162 | 124 | 9 | 5.6% |
| Volusia County | 150 | 105 | 14 | 9.3% |
| Brevard County | 129 | 77 | 19 | 14.7% |
Other large lenders in Florida
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 71,405 | 15.3% | 6.44% |
| Rocket Mortgage | C | 46,611 | 21.0% | 6.63% |
| Bank of America | F | 23,634 | 37.7% | 6.24% |
| Pennymac Loan Services | C | 19,516 | 14.1% | 6.50% |
| Navy Federal Credit Union | D | 19,452 | 23.2% | 7.59% |
| Crosscountry Mortgage | B | 19,103 | 5.2% | 6.75% |
| Newrez | D | 17,519 | 22.4% | 6.75% |
| Dhi Mortgage Company | B | 16,661 | 14.5% | 4.88% |
| Lennar Mortgage | A | 14,984 | 21.0% | 4.75% |
| Truist Bank | C | 14,140 | 41.5% | 6.60% |
Frequently asked questions
Florida: 3,793 applications in 2025, of which 2,385 were originated and 392 denied.
10.3% of all applications, or 13.7% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Kiavi Funding originated in Florida in 2025 was 10.20%, against a statewide median of 6.63%.
About this data. Figures are Kiavi Funding's own HMDA filing for properties located in Florida, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology