Kinecta mortgage approval rate & lending review
Kinecta decided 5,593 mortgage applications and funded 4,773 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Kinecta reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Kinecta at a glance
Approval is 12.4 points above the 73.8% national rate for the same mix of loan types.
Approval rates 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 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Kinecta lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Los Angeles County, CA | Cash-out refinance | 90% | 1,454 | 1,297 |
| Los Angeles County, CA | Refinance | 80% | 806 | 637 |
| Orange County, CA | Cash-out refinance | 90% | 352 | 315 |
| Orange County, CA | Refinance | 86% | 223 | 188 |
| Monroe County, NY | Cash-out refinance | 90% | 159 | 140 |
| Riverside County, CA | Cash-out refinance | 90% | 132 | 119 |
| Monroe County, NY | Refinance | 82% | 123 | 100 |
| San Bernardino County, CA | Cash-out refinance | 88% | 111 | 97 |
| Ventura County, CA | Cash-out refinance | 91% | 93 | 85 |
| Santa Barbara County, CA | Cash-out refinance | 90% | 71 | 63 |
| Riverside County, CA | Refinance | 68% | 84 | 57 |
| San Bernardino County, CA | Refinance | 75% | 63 | 47 |
The county markets where Kinecta made the most loans. Each link opens that market with every lender ranked.
Questions about Kinecta
What is Kinecta's mortgage approval rate?
Kinecta approved 86.2% of the 5,593 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 12.4 points above the 73.8% national rate for the same mix of loan types.
How often do borrowers take the loan Kinecta offers?
Borrowers accepted 99% of the loans Kinecta approved, against 94% for all cash-out refinance lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Kinecta make?
The typical cash-out refinance loan Kinecta made was $155K; across all loan types its typical loan ran from $155K to $765K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Kinecta lend?
Kinecta decided applications in 43 of the states Fat Boy Data covers, most of them in California, New York and Arizona.
Can I apply to Kinecta directly?
Yes. Kinecta is a bank or credit union with 24 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Kinecta's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Kinecta treats applications, then get a rate quote from the lender.