Kiavi Funding in Minnesota vs the state
4.9%Denial rate-8.71 pts vs state
5.6%Decision denial rate-10.77 pts vs state
79.8%Origination rate+13.43 pts vs state
9.95%Median rate+3.32 pts vs state
—Rate spread (pts)
—Median applicant income
245Loans originated
15Denied
Trend in Minnesota
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 103 | 68 | 9.7% | 10.95% | #184 |
| 2024 | 224 | 161 | 4.9% | 9.95% | #118 |
| 2025 | 307 | 245 | 4.9% | 9.95% | #113 |
What Kiavi Funding lends in Minnesota
By loan purpose
By loan type
Why it denied Minnesota applicants
Where in Minnesota
Counties with the most Kiavi Funding applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hennepin County | 131 | 113 | 5 | 3.8% |
| Ramsey County | 48 | 43 | 1 | 2.1% |
| Anoka County | 30 | 24 | 1 | 3.3% |
| Dakota County | 22 | 17 | 2 | 9.1% |
| Washington County | 15 | 11 | 2 | 13.3% |
| Mower County | 8 | 1 | 0 | 0.0% |
| Sherburne County | 8 | 5 | 0 | 0.0% |
| Scott County | 6 | 5 | 0 | 0.0% |
| Mille Lacs County | 5 | 4 | 0 | 0.0% |
| Carver County | 5 | 4 | 0 | 0.0% |
Other large lenders in Minnesota
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 8,694 | 10.6% | 6.38% |
| U.S. Bank | D | 8,624 | 30.4% | 7.88% |
| Bell Bank | A | 7,987 | 5.3% | 6.63% |
| Rocket Mortgage | C | 7,630 | 16.3% | 6.63% |
| Trustone Financial Credit Union | C | 6,066 | 20.0% | 7.25% |
| Affinity Plus | C | 5,438 | 14.6% | 6.63% |
| Blaze Credit Union | B | 4,074 | 12.3% | 6.38% |
| Wings Financial Credit Union | A | 3,960 | 16.4% | 7.25% |
| Crosscountry Mortgage | B | 3,942 | 2.1% | 6.63% |
| Fairway Independent Mortgage | B | 3,327 | 3.2% | 6.75% |
Frequently asked questions
Minnesota: 307 applications in 2025, of which 245 were originated and 15 denied.
4.9% of all applications, or 5.6% of the applications it actually decided on. The Minnesota statewide average across all lenders was 13.6%.
The median rate on loans Kiavi Funding originated in Minnesota in 2025 was 9.95%, against a statewide median of 6.63%.
About this data. Figures are Kiavi Funding's own HMDA filing for properties located in Minnesota, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology