KINECTA
KINECTA received 2,180 applications in 2025 and made 1,523 mortgages, in 245 counties across 41 states. The median rate its borrowers got was 6.750% on a median loan of $195,000. Of 1,747 decisions, 210 were denials — 12.0%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300IKS3MMB5YK6T18 |
|---|---|
| Applications received | 2,180 |
| Mortgages made | 1,523 |
| Denied | 210 |
| Approved, not taken up | 14 |
| Withdrawn or incomplete | 433 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.715 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 93 | 6.375% | $425,000 | 6.1% |
| Refinancing | 327 | 6.990% | $205,000 | 21.7% |
| Cash-out refinancing | 1,103 | 6.740% | $165,000 | 9.2% |
Where KINECTA lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Los Angeles County, CA | 689 | 6.740% | 11.9% |
| Orange County, CA | 188 | 6.740% | 8.7% |
| Monroe County, NY | 85 | 6.990% | 13.0% |
| Riverside County, CA | 61 | 6.990% | 15.3% |
| Ventura County, CA | 47 | 6.740% | 6.0% |
| San Bernardino County, CA | 41 | 6.990% | 6.8% |
| San Diego County, CA | 39 | 6.740% | 15.2% |
| Santa Barbara County, CA | 32 | 6.740% | 8.3% |
| Wayne County, NY | 18 | 6.865% | 0.0% |
| Santa Clara County, CA | 14 | 6.865% | 30.0% |
| San Mateo County, CA | 12 | 6.865% | 7.1% |
| Clark County, NV | 12 | 6.990% | 7.7% |
| San Luis Obispo County, CA | 11 | 6.740% | 0.0% |
| Maricopa County, AZ | 9 | Under 10 loans | 10.0% |
| Contra Costa County, CA | 7 | Under 10 loans | 12.5% |
| Sacramento County, CA | 7 | Under 10 loans | 0.0% |
| Alameda County, CA | 6 | Under 10 loans | 0.0% |
| Cook County, IL | 5 | Under 10 loans | 0.0% |
| Prince George's County, MD | 5 | Under 10 loans | 0.0% |
| Washington County, OR | 5 | Under 10 loans | 0.0% |
| King County, WA | 5 | Under 10 loans | 0.0% |
| Yavapai County, AZ | 4 | Under 10 loans | 20.0% |
| El Dorado County, CA | 4 | Under 10 loans | 33.3% |
| Fresno County, CA | 4 | Under 10 loans | 0.0% |
| Napa County, CA | 4 | Under 10 loans | 0.0% |
| Placer County, CA | 4 | Under 10 loans | 0.0% |
| Morris County, NJ | 4 | Under 10 loans | 0.0% |
| Mohave County, AZ | 3 | Under 10 loans | 0.0% |
| Marin County, CA | 3 | Under 10 loans | 0.0% |
| Nevada County, CA | 3 | Under 10 loans | 0.0% |
| San Joaquin County, CA | 3 | Under 10 loans | 0.0% |
| Cobb County, GA | 3 | Under 10 loans | 0.0% |
| Gwinnett County, GA | 3 | Under 10 loans | 25.0% |
| Washoe County, NV | 3 | Under 10 loans | 0.0% |
| Ontario County, NY | 3 | Under 10 loans | 0.0% |
| Suffolk County, NY | 3 | Under 10 loans | 0.0% |
| Mecklenburg County, NC | 3 | Under 10 loans | 25.0% |
| Dallas County, TX | 3 | Under 10 loans | 0.0% |
| Salt Lake County, UT | 3 | Under 10 loans | 0.0% |
| Washington County, UT | 3 | Under 10 loans | 0.0% |
| Fairfax County, VA | 3 | Under 10 loans | 25.0% |
| Pierce County, WA | 3 | Under 10 loans | 25.0% |
| Pima County, AZ | 2 | Under 10 loans | 33.3% |
| Pinal County, AZ | 2 | Under 10 loans | 0.0% |
| Amador County, CA | 2 | Under 10 loans | 0.0% |
| Kern County, CA | 2 | Under 10 loans | 0.0% |
| Mono County, CA | 2 | Under 10 loans | 33.3% |
| Monterey County, CA | 2 | Under 10 loans | 0.0% |
| Santa Cruz County, CA | 2 | Under 10 loans | 0.0% |
| Tulare County, CA | 2 | Under 10 loans | 0.0% |
Get told when this changes
When KINECTA’s figures are published for the next year, or restated.
Double opt-in, one click to unsubscribe. We never sell or share the list, and we are not a lender, a broker or a lead generator: this is a notification about published data, not a sales call. Privacy.
Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.