#United States #Pittsburgh #Securitization #Residential Loans #Kiavi

Kiavi Closes $400 Million Securitization

In a significant development for the real estate financing landscape, Kiavi, a prominent tech-enabled lender focused on residential real estate investors, has successfully closed a rated securitization amounting to $400 million. This latest milestone marks Kiavi's fifth rated securitization effort and contributes to an impressive total of over $6.4 billion in notes offered since 2019.

Investor Demand

The securitization oversubscription by over five times highlights the robust appetite among institutional investors, which included five new participants. The varied classes of offered notes—A1, A2, M1, and M2—were all sold, indicating a diverse interest from the market. Notably, the deal incorporates a two-year revolving period, allowing for the potential reinvestment of principal payoffs into newly originated loans, thereby projecting an additional funding capacity of $1.3 billion.

Arvind Mohan, Kiavi's CEO, commented on this achievement, stating, "Closing our largest deal in almost a year demonstrates the confidence investors have in Kiavi and our ability to generate risk-adjusted returns for our capital partners. Our strategic use of technology and data will enhance our operational efficiency and better serve our clients in tackling the ongoing housing crisis."

Record Loan Origination

Kiavi’s recent success follows a notable surge in loan origination, with the company registering a record $4.5 billion in loan volume in the first seven months of 2025. This figure represents a 26% increase compared to the same timeframe last year, despite a slight decline of 1.3% in existing home sales as reported by John Burns Research and Consulting.

Kiavi's innovation-driven approach sets it apart in the residential lending space, utilizing technology and AI to empower real estate investors with the insights and capital needed to expedite transactions and scale operations. Some recent advancements include:

• - After-Repair Value and Cash-to-Close Estimator: This tool provides immediate assessments of property potential, helping investors understand investment returns.
• - AI-Powered Automated Document Review: This technology streamlines the validation process of borrower documents, accelerating the loan application timeline.
• - Scaled Virtual Inspections: Borrowers can use a mobile app to submit photos of project progress for funding rather than relying on in-person inspections, offering convenience and speed.

Kiavi's Mission

Kiavi stands as one of the largest private lenders to residential real estate investors in the United States. With more than $29.5 billion in funded loans since its inception, the company prides itself on harnessing the power of data and technology to provide a smoother and more reliable lending experience. Formerly known as LendingHome, Kiavi aims to rejuvenate the aging U.S. housing stock, enabling millions of Americans to access move-in ready homes and rental properties.

For more details about Kiavi and its services, you can visit their official site at www.kiavi.com.

Conclusion

As Kiavi continues to expand its footprint in the residential lending sector, industry observers eagerly anticipate how this additional funding capacity will be utilized to address the pressing housing inventory challenges across the nation. The integration of technology into traditional lending practices promises to reshape how real estate investments are made in the future.