Lender profile · HMDA 2023–2025
Kinecta mortgage approval rates & lending data
Kinecta decided 5,593 mortgage applications and funded 4,773 loans across the 616 counties Fat Boy Data covers, 2023–2025.
Approval by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 90% | 661 / 737 | 100% | $765K | 659 |
| Cash-out refinance | 89% | 2,646 / 2,966 | 99% | $155K | 2,618 |
| Refinance | 80% | 1,374 / 1,721 | 99% | $155K | 1,358 |
| Investment property purchase | 90% | 108 / 120 | 100% | $425K | 108 |
| Investment cash-out refinance | 65% | 22 / 34 | 100% | $195K | 22 |
Kinecta lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| California | 87% | $155K | 4,459 | 3,839 |
| New York | 86% | $105K | 346 | 294 |
| Arizona | 84% | $205K | 106 | 88 |
| Florida | 72% | $125K | 97 | 68 |
| New Jersey | 79% | $85K | 57 | 44 |
| Washington | 88% | $1.76M | 57 | 50 |
| Nevada | 87% | $105K | 47 | 41 |
| Texas | 79% | $295K | 43 | 34 |
| Colorado | 92% | $205K | 40 | 37 |
| Tennessee | 76% | $105K | 33 | 25 |
| Georgia | 71% | $65K | 28 | 20 |
| Oregon | 100% | $305K | 28 | 28 |
| Illinois | 83% | $105K | 24 | 19 |
| Virginia | 78% | $105K | 23 | 18 |
| Maryland | 86% | $125K | 22 | 19 |
Covers the 616 counties in the Fat Boy Data footprint, which is 79.6% of the US population — not every county in each state. Methodology.