Kiavi Funding in Massachusetts vs the state
15.3%Denial rate-0.91 pts vs state
19.1%Decision denial rate-0.88 pts vs state
63.4%Origination rate+0.83 pts vs state
10.60%Median rate+3.97 pts vs state
—Rate spread (pts)
—Median applicant income
170Loans originated
41Denied
Trend in Massachusetts
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 223 | 144 | 16.1% | 11.25% | #146 |
| 2024 | 257 | 171 | 11.3% | 10.95% | #127 |
| 2025 | 268 | 170 | 15.3% | 10.60% | #130 |
What Kiavi Funding lends in Massachusetts
By loan purpose
By loan type
Why it denied Massachusetts applicants
Where in Massachusetts
Counties with the most Kiavi Funding applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Worcester County | 71 | 51 | 5 | 7.0% |
| Middlesex County | 31 | 15 | 9 | 29.0% |
| Essex County | 29 | 21 | 4 | 13.8% |
| Plymouth County | 28 | 17 | 5 | 17.9% |
| Berkshire County | 25 | 20 | 2 | 8.0% |
| Hampden County | 24 | 12 | 5 | 20.8% |
| Bristol County | 20 | 11 | 2 | 10.0% |
| Suffolk County | 11 | 3 | 4 | 36.4% |
| Barnstable County | 11 | 8 | 2 | 18.2% |
| Norfolk County | 11 | 7 | 1 | 9.1% |
Other large lenders in Massachusetts
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Citizens Bank | C | 17,476 | 29.0% | 7.40% |
| Rocket Mortgage | C | 8,698 | 15.9% | 6.75% |
| Bank of America | F | 7,784 | 30.1% | 5.99% |
| Guaranteed Rate | B | 7,313 | 4.5% | 6.50% |
| Eastern Bank | B | 6,216 | 31.8% | 6.99% |
| Rockland Trust | C | 5,990 | 28.6% | 6.99% |
| Leader Bank | A | 5,913 | 1.8% | 6.25% |
| United Shore Financial Services | B | 5,898 | 12.8% | 6.50% |
| Crosscountry Mortgage | B | 5,634 | 3.8% | 6.63% |
| TD Bank | D | 3,778 | 26.9% | 7.44% |
Frequently asked questions
Massachusetts: 268 applications in 2025, of which 170 were originated and 41 denied.
15.3% of all applications, or 19.1% of the applications it actually decided on. The Massachusetts statewide average across all lenders was 16.2%.
The median rate on loans Kiavi Funding originated in Massachusetts in 2025 was 10.60%, against a statewide median of 6.63%.
About this data. Figures are Kiavi Funding's own HMDA filing for properties located in Massachusetts, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology