Kiavi Funding in Texas vs the state
7.7%Denial rate-11.77 pts vs state
13.4%Decision denial rate-11.46 pts vs state
47.8%Origination rate-7.11 pts vs state
9.50%Median rate+3.00 pts vs state
—Rate spread (pts)
—Median applicant income
1,379Loans originated
221Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,711 | 997 | 13.4% | 10.15% | #102 |
| 2024 | 1,793 | 1,262 | 10.0% | 10.15% | #99 |
| 2025 | 2,887 | 1,379 | 7.7% | 9.50% | #66 |
What Kiavi Funding lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Kiavi Funding applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Dallas County | 472 | 227 | 43 | 9.1% |
| Tarrant County | 396 | 225 | 29 | 7.3% |
| Harris County | 365 | 187 | 33 | 9.0% |
| Bexar County | 257 | 169 | 22 | 8.6% |
| Lubbock County | 109 | 11 | 1 | 0.9% |
| Bell County | 92 | 12 | 4 | 4.3% |
| Travis County | 91 | 55 | 5 | 5.5% |
| Collin County | 90 | 55 | 3 | 3.3% |
| Taylor County | 67 | 9 | 1 | 1.5% |
| Potter County | 61 | 5 | 0 | 0.0% |
Other large lenders in Texas
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 56,491 | 11.0% | 6.25% |
| Rocket Mortgage | C | 45,658 | 22.4% | 6.63% |
| 21st Mortgage | F | 37,961 | 45.9% | 9.94% |
| Dhi Mortgage Company | B | 26,348 | 13.5% | 4.50% |
| Lennar Mortgage | A | 21,959 | 20.5% | 4.50% |
| Bank of America | F | 18,008 | 43.0% | 6.24% |
| JPMorgan Chase Bank | B | 16,260 | 9.8% | 6.45% |
| CMG Mortgage | A | 15,978 | 3.9% | 6.50% |
| Vanderbilt Mortgage and Finance | F | 15,683 | 44.7% | 10.50% |
| Triad Financial Services | D | 15,158 | 50.0% | 9.35% |
Frequently asked questions
Texas: 2,887 applications in 2025, of which 1,379 were originated and 221 denied.
7.7% of all applications, or 13.4% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Kiavi Funding originated in Texas in 2025 was 9.50%, against a statewide median of 6.50%.
About this data. Figures are Kiavi Funding's own HMDA filing for properties located in Texas, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology