Is Kiavi legit?
Yes. Kiavi (NMLS ID #1125207) is one of the largest private lenders to residential real estate investors in the United States. The company was founded in 2013 as LendingHome, rebranded to Kiavi in 2021, and has funded over $30 billion in investor loans. In 2024 it originated $5.5 billion in fix-and-flip loans — more than three times its nearest competitor — making it the largest US fix-and-flip lender by volume. Kiavi is headquartered in San Francisco, licensed as a California Finance Lender by the DFPI, and lends in 49 states plus Washington, DC. Like any hard money lender, its rates are higher than conventional mortgages — that's the product, not a red flag.
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More Kiavi answers
- What is Kiavi's minimum loan amount?
- What credit score do you need for a Kiavi loan?
- What is Kiavi's phone number and how do I reach customer service?
- How do I submit a Kiavi payoff request?
- What states does Kiavi lend in?
- Who owns Kiavi, and is it the same company as LendingHome?
- How does the $350 Kiavi new-customer bonus work?
- Does Kiavi verify income or require tax returns?
- How fast does Kiavi close a loan?
- What is Kiavi's ARV estimator?
- Does Kiavi work with brokers?
- Do Kiavi loans have prepayment penalties?
Or go deeper: full Kiavi review · current rates · requirements · deal calculator.