Kiavi Reviews 2026: Is Kiavi Legit? Owned by Figure, BBB F

Updated October 15, 2026 — Kiavi reviews re-checked against Figure’s SEC filings, the CFPB, HMDA and kiavi.com. Filings: Figure Technology Solutions (CIK 0002064124) has filed no 8-K/A on the Kiavi deal, and its only 8-K since the September 1, 2026 closing report is the October 7 Item 2.02 8-K furnishing an October 6 release, which says Kiavi loan volumes for the roughly one month after closing “will be included with Figure’s Q3 2026 financial results, to be released in November”; Figure’s first numbers that include Kiavi are therefore still to come. Three different dollar figures describe the deal: about $532.4 million in cash to Kiavi’s equity holders (June 10 Form 8-K and August 14 Form 10-Q), approximately $590 million net of cash acquired (September 1 Form 8-K) and a $717 million total transaction purchase price in Kiavi’s own June 10 release; we set them side by side in Figure Technology Solutions and Kiavi: what the filings say. CFPB: we re-queried the Consumer Complaint Database API on October 15, 2026: still 25 complaints against Kiavi, Inc., the newest received July 12, 2026. HMDA: Kiavi Funding, Inc. (LEI 5493006VAGP3GQ8FJT49) reported 25,528 originated loans for $7,786,260,000 for 2025, against 21,996 for $6,501,660,000 for 2024 (FFIEC data browser API, October 15, 2026). kiavi.com, read October 15, 2026: its disclosures say “Kiavi Funding LLC NMLS #1125207 is a subsidiary of Figure Technology Solutions, Inc.”; its homepage says “$30+ billion” in loans originated, “100,000+” funded and “49 states + DC”. BBB: BBB’s site blocked our automated check on October 15, so the F rating and the counts in this review remain as of October 8, 2026. From this update on, new text in this review reports public records only and does not rate Kiavi’s pricing or terms.

Updated October 11, 2026 — Kiavi reviews re-checked: rates, complaints and who is behind each loan. Rates: Kiavi's rental-loan page and site banner now say DSCR “Rates as low as 6.25%” (we read 6.125% on October 8), and its bridge page still says “Rates as low as 8.25%”, now with “Loans from $75K to $5MM” (its fix-and-flip page says $100K to $5MM) (bridge loans, rental loans). Appraisals: Kiavi's FAQ says “We do not require appraisals on bridge loans, but we do require them for rental loans.” (Kiavi FAQs). CFPB: we queried the Consumer Complaint Database API again on October 11, 2026 and the count is unchanged at 25 complaints against Kiavi, Inc.; the newest was received July 12, 2026. Ownership, from Figure's SEC filings: the June 10, 2026 Form 8-K reports Figure would pay Kiavi's equityholders $532,426,000 in cash before adjustments; the September 1, 2026 Form 8-K reports the closing, with cash consideration net of cash acquired of approximately $590 million for Kiavi's technology platform and the DSCR loans on its balance sheet, Kiavi surviving as a wholly owned Figure subsidiary, and Figure repaying Kiavi's credit agreement at closing. Kiavi's own release puts the total transaction price at $717 million, including a Sixth Street and Figure joint venture that bought loans off Kiavi's balance sheet (Form 8-K, September 1, 2026; Form 8-K, June 10, 2026; Kiavi release).

Updated October 8, 2026 — what Kiavi's reviews and complaints say now, and what changed since Figure closed the deal. Trustpilot: 4.6 across 787 reviews (86% five-star, 6% one-star); the profile is claimed with a paid subscription, Kiavi invites customers to review and has replied to 53% of negative reviews (Trustpilot). BBB: Kiavi Funding Inc is now filed with the BBB of Western Pennsylvania (file opened March 30, 2026) and rated F, not accredited; BBB’s stated reasons are “Failure to respond to 3 complaint(s)” and 8 complaints filed; 3 were closed in the last 12 months, and BBB customer reviews average 1.8/5 from 5 reviews (BBB profile). The San Francisco profile we linked before now returns “Page not found”. CFPB: the Consumer Complaint Database lists 25 complaints against Kiavi, Inc. (the oldest received June 4, 2022; 9 in the 12 months to October 8, 2026) and none under LendingHome. Top issues: closing on a mortgage (9), trouble during the payment process (6), applying for or refinancing a mortgage (4), struggling to pay (3). Kiavi closed 23 with an explanation and 2 with monetary relief; 4 responses were not on time. HMDA 2025 (Kiavi Funding, Inc., LEI 5493006VAGP3GQ8FJT49): 25,528 originated loans for $7,786,260,000, 3,300 applications denied; 19,477 short-term loans at a 10.45% median rate (10.95% in 2024) and 5,794 30-year loans at a 7.25% median. Ownership: Figure completed the acquisition on September 1, 2026; Kiavi's CEO Arvind Mohan joined Figure as Chief Business Officer, DSCR and rental loans are now funded by Figure Lending LLC (NMLS 1717824), and so are bridge loans on property in AZ, ID, NV, OR and SD (Figure/Kiavi release). Securitizations: no new LHOME deal after 2026-RTL1 appears in Kiavi's filings through June 30, 2026; its Rule 15Ga-1 reports show it bought back 77 loans ($20.45 million) from LHOME 2024-RTL1 in the fourth quarter of 2025 and 7 loans across 2024-RTL3 and 2024-RTL4 in the second quarter of 2026 (EDGAR, CIK 0001601642). Courts: CourtListener's federal RECAP archive lists 13 cases with Kiavi in the caption, mostly foreclosures and suits by borrower LLCs; none is captioned as a class action. Kiavi's June 10, 2026 release gave the total transaction purchase price as $717 million, including a joint venture between Figure and Sixth Street that bought loans off Kiavi's balance sheet (Kiavi press release). Kiavi's disclosures now state that Kiavi Funding LLC (NMLS 1125207) "is a subsidiary of Figure Technology Solutions, Inc." and that "All DSCR and Rental Loans are originated and funded by Figure Lending LLC dba Figure effective 9/1/2026" (NMLS 1717824). A Kiavi DSCR loan now closes in Figure Lending's name. Source: Kiavi disclosures, read September 27 and again October 11, 2026; see our September 27, 2026 check of 20 DSCR lenders.

Two-track decision tree

This review is split because the keyword "kiavi reviews" attracts two completely different searchers, and the SERP keeps blurring them.

If you're a passive investor looking to lend money on real estate: Kiavi is no longer for you. Skip to Section 1 for what happened, then check Groundfloor, Concreit, or accredited-only options like EquityMultiple.

If you're a real estate investor looking to borrow for a flip, BRRRR, or DSCR rental: Kiavi is one of three or four serious credible options at scale. Skip to Section 2 for the live product, then Section 4 for the competitor comparison.

If you're trying to figure out what Kiavi is in 2026: keep reading top to bottom. We cover both halves with primary-source citations.

1. What happened to LendingHome Platform Notes?

LendingHome ran a marketplace lending product from roughly 2014 to 2021. Accredited investors could lend on individual short-term residential loans (mostly fix-and-flip bridge loans), with positions starting at $5,000 and a $50,000 account minimum. Returns ranged from 5% to 10%; bridge loans averaged about 8.75% over approximately 7-month maturities.

The structure: investors held Platform Notes issued by LendingHome Funding Corporation (now Kiavi Funding, Inc., SEC EDGAR CIK 0001601642). The notes were unsecured obligations of the issuer, with payments tied to the underlying mortgage loans, contingent on borrower performance and net of platform costs. There was also a LendingHome Opportunity Fund II ($100M closed across 40+ institutional and HNW LPs) managed by LH Capital Management, a wholly-owned SEC-registered investment adviser subsidiary.

The October 2021 wind-down

Two dates matter:

• October 19, 2021 — LendingHome Funding Vehicle, LLC stopped accepting new investments in Platform Notes.
• October 31, 2021 — auto-investment of proceeds into new Platform Notes was discontinued.

The platform's stated rationale: "we have decided to take a different approach to our capital strategy." In plain English, securitization markets and warehouse lines could fund the loan book more cheaply and at greater scale than retail accredited investors. The first rated LHOME securitization closed in 2019 and the institutional capital flywheel kept building; by 2021, the Platform Notes product was redundant.

Existing notes ran off through their natural amortization. The investor login was eventually decommissioned. This was not a bankruptcy — it was a managed wind-down.

What Platform Notes investors actually got — and where the data is thin

This is where most reviews go silent. We have partial data:

• The platform disclosed an uncured default rate above 2% on active loans at the time of the wind-down. By comparison, PeerStreet and Groundfloor were running near or below 1% in the same period. Kiavi's number was roughly twice the best-in-class residential rehab rate.
• A February 2021 investor survey (run by The Real Estate Crowdfunding Review aggregator) reported that 0% of polled investors said they would recommend the platform. Common complaints: slow response on defaulted loans, "did not provide meaningful information," and accepting poor recovery outcomes when better options existed.
• Property addresses were not disclosed to investors, so independent due diligence was effectively impossible.
• LTV ratios on the underlying loans were consistently above 65%.

What we don't have publicly: a final tally of distributions, total dollar losses across all Platform Notes, or formal SEC wind-down filings detailing the Opportunity Fund's payouts. If you held Platform Notes and want the underlying loan-level performance, your best avenue today is the trustee statements on the LHOME securitization shelf (filed on SEC EDGAR by Kiavi Funding, Inc.) — though those cover the institutional book, not the legacy retail notes directly.

Kiavi vs PeerStreet — different stories

Most aggregator-style reviews lump Kiavi together with PeerStreet ("two crowdfunded loan platforms that died") and that's misleading. PeerStreet filed Chapter 11 bankruptcy on June 26, 2023 — investors had positions trapped in a bankruptcy estate, with recovery dependent on liquidation outcomes. Kiavi's story is the opposite: an ongoing, rapidly-growing private lender that decided it didn't need its retail investor channel anymore and turned it off cleanly.

If you're researching retail RE lending platform failures, see our PeerStreet collapse breakdown and the bankruptcy-remote vs not pillar for the structural difference.

2. What Kiavi is in 2026 (the live borrower product)

The 2021 rebrand from LendingHome to Kiavi was a strategic clean-up. The pure-investor-lender positioning needed a name that didn't sound like a consumer mortgage shop. Kiavi is phonetic for "chiave" — Italian for "key."

Loan products

Kiavi's product lines:

1. Fix-and-Flip / Bridge (the flagship)
2. DSCR Rental (30-year fixed, 5/1 ARM, 7/1 ARM)
3. Bridge (cash-out, refinance)
4. Jumbo loans
5. New Construction

A multi-property rental portfolio (blanket) loan is not currently offered: as of October 7, 2026 Kiavi's rental-portfolio page shows its single-property rental loan, and its FAQ says it offers "single asset bridge and rental property loans" and anticipates "adding more property types and portfolios soon". For lenders that do pool several rentals in one loan, see our blanket loan comparison.

Fix-and-Flip terms (Kiavi's pages, October 11, 2026)

The “as low as 8.25%” (bridge page, October 7, 2026; unchanged October 8 and October 11) is reserved for top-tier repeat borrowers — typically Enterprise customers with 30+ properties or $7M+ annual loan volume. First-time flippers will see noticeably higher rates and tighter LTC. What borrowers actually paid: in Kiavi's own 2025 HMDA filing, the median note rate on its 19,477 short-term loans (first lien, 1–4 units, 36 months or less) was 10.45%, down from 10.95% in 2024; points and fees are not in the data.

DSCR Rental terms (Kiavi's rental page, October 11, 2026, unless noted)

Scale and volume claims (verified)

• $30B+ cumulative originations (kiavi.com homepage, read October 15, 2026: “$30+ billion in loans originated to real estate investors to help scale their businesses”)
• 100,000+ loans funded (announced June 2, 2025 — first private lender to that milestone)
• $6.5B+ in 2024 originations, 46% YoY growth
• $7.8B in total 2025 loan volume, up 20% (Kiavi press release, February 19, 2026); its 2025 HMDA filing shows 25,528 originated loans totaling $7,786,260,000, against 21,996 loans totaling $6,501,660,000 in its 2024 HMDA filing (FFIEC data browser API, October 15, 2026)
• 2025 HMDA footprint (FFIEC data browser, read October 11, 2026): 18,845 purchase loans ($6,302,495,000) and 6,683 refinances ($1,483,765,000); the largest states by originations were California (3,237 loans), Florida (2,385), Ohio (1,967) and Pennsylvania (1,829); 3,300 applications were denied. HMDA reports no points or fees for these loans.
• #1 US fix-and-flip lender — $5.5B in 2024 fix-and-flip volume, more than 3× the nearest competitor

LHOME securitization shelf

The capital that used to come from retail Platform Notes now comes from the LHOME securitization shelf. 24 deals since 2019, more than $6.8B in offered notes. Recent rated transactions: $400M (August 2024), $300M (February 2025), $300M (May 2025), $400M (August 2025), $350M (February 2026, which Kiavi called its “sixth rated securitization and 24th deal under its LHOME shelf”). For institutional investors, this shelf is where the Kiavi loan book actually trades; the SEC EDGAR Kiavi Funding filings document it. Those filings also show Kiavi buying loans back: its Rule 15Ga-1 reports, which cover repurchase demands “for breaches of representations or warranties”, list 77 loans ($20,451,064.96, 5.603% of the pool) taken back from LHOME 2024-RTL1 and 45 from 2023-RTL4 in the fourth quarter of 2025, 21 from 2024-RTL4 in the first quarter of 2026, and 7 across 2024-RTL3 and 2024-RTL4 in the second quarter of 2026 (filed August 3, 2026). The reports do not give a reason for each loan. No LHOME deal newer than 2026-RTL1 appears in those filings through June 30, 2026. Figure's September 1, 2026 Form 8-K says Kiavi Funding, Inc. and Kiavi Funding Trust 2 terminated their master repurchase agreement with Deutsche Bank at closing; it does not say what happens to the LHOME shelf.

3. Reputation, lawsuits, and the layoff record

Kiavi was a private company until Figure Technology Solutions (Nasdaq: FIGR) completed its acquisition on September 1, 2026. Figure's Form 8-K for that date (Item 2.01) reports cash consideration, net of cash acquired, of approximately $590 million for Kiavi's technology platform and the DSCR loans on its balance sheet, funded mainly by $600 million of 8.500% senior notes due 2031, with Kiavi surviving as a wholly owned subsidiary. Figure's October 6, 2026 release (furnished with its Form 8-K of October 7) says Kiavi loan volumes for the roughly one month after closing “will be included with Figure’s Q3 2026 financial results, to be released in November”, and as of October 15, 2026 Figure has filed no 8-K/A on the deal, so the first filed numbers that include Kiavi are still to come and a lot of the typical disclosures (10-Ks, CEO compensation, board minutes) aren't public for Kiavi on its own. What we do have:

Kiavi reviews and complaints: Trustpilot, BBB and the CFPB disagree

• Trustpilot: 4.6/5 across 787 reviews as of October 8, 2026 — 86% five-star, 6% one-star. The profile is claimed with a paid Trustpilot subscription, Kiavi invites its customers to review, and it has replied to 53% of negative reviews. Themes: speed, account-manager responsiveness, easy online portal.
• BBB: rated F, not accredited (BBB of Western Pennsylvania, file opened March 30, 2026; read October 8, 2026). BBB's stated reasons: failure to respond to 3 complaints and 8 complaints filed in the last three years; 3 were closed in the last 12 months. BBB customer reviews average 1.8/5 from 5 reviews. The unanswered complaints are a meaningful negative signal.
• CFPB Consumer Complaint Database: 25 complaints against Kiavi, Inc. as of October 11, 2026 (re-queried through the CFPB API; the oldest received June 4, 2022, the newest July 12, 2026; 9 in the last 12 months), none under LendingHome. Top issues: closing on a mortgage (9), trouble during the payment process (6), applying for or refinancing a mortgage (4), struggling to pay (3). Kiavi closed 23 with an explanation and 2 with monetary relief; 4 responses were late. Kiavi's loans are business-purpose, so many borrowers never file with the CFPB at all — the count is a floor, not a census.

The Trustpilot–BBB disagreement is consistent with what high-volume lenders typically show: positive reviews are easy to collect from satisfied closers, while the borrowers who run into edge cases (extension fees, mid-process rate changes, surprise foreclosure threats) escalate to BBB. The BBB record describes patterns like a $4,000 extension fee plus foreclosure threat after refusal of further extensions, mid-process rate changes, and $800 appraisal fees collected on deals that later stalled. The newest complaint (April 2026) is about a refinance appraisal that came in below the after-repair value Kiavi's internal model had used to size the bridge loan; Kiavi's compliance team answered that it “cannot legally alter an independent appraisal” and closed its side of the file.

Lawsuits

• Southbridge RE LLC v. Kiavi Funding Inc., FSB (1st Cir. 2024) — dispute over a $155,700 promissory note from 2018 and the validity of mortgage assignments to Christiana Trust. Routine commercial mortgage litigation, not a class action.
• No CFPB enforcement actions against Kiavi or LendingHome found in 2023–2024 searches. Kiavi's loans are business-purpose (Reg Z exempt), so CFPB jurisdiction is limited by design.
• Federal dockets (October 8, 2026): CourtListener's RECAP archive lists 13 federal cases with Kiavi in the caption — foreclosures Kiavi filed (for example Kiavi Funding, Inc. v. AJX Homes LLC, W.D. Tex., filed November 19, 2025) and suits by borrower companies (Elite Edge Acquisitions LLC v. Kiavi Funding Inc, N.D. Tex., filed June 12, 2025; RAD Diversified REIT, Inc v. Kiavi Funding, Inc, removed to S.D. Tex. on October 9, 2025). None is captioned as a class action.

Layoffs

• July 2022: approx. 39 employees cut, roughly 7% of workforce. Affected ops, risk, compliance, legal, finance, marketing.
• March 2024: second documented round, approx. 39 employees again.
• Glassdoor and Indeed reviews reference roughly 4 layoff rounds in 4 years. "Regular layoffs" is a recurring theme in employee feedback.

For borrowers, repeated rounds of layoffs aren't a deal-breaker — Kiavi's loan funding pipeline keeps closing record volume — but it does correlate with the BBB complaints about communication delays and account-manager turnover.

4. How Kiavi compares to other fix-and-flip / DSCR lenders

Where Kiavi wins:

• Speed — closings in as few as 7 days (Kiavi's pages, October 11, 2026) are genuinely fast
• No appraisal on bridge loans — saves 1–2 weeks vs almost every competitor (rental loans do require one)
• Scale — the loan book is large enough that they've seen most edge cases; underwriting is consistent
• 49-state coverage — broader than most peers

Where Kiavi loses:

• Lowest rates aren't actually low for first-timers. The "as low as" headline (8.25% on Kiavi's bridge-loan page as of October 11, 2026) is for its best-priced borrowers; new borrowers usually see 9%+
• No transparent pricing online. You apply to find out the rate, which makes shopping hard
• BBB record — rated F with 3 unanswered complaints (BBB, October 8, 2026); peers' BBB profiles vary, so this is not just a category-wide pattern
• Extension fees — multiple BBB complaints about $4,000+ extension fees with limited flexibility

For DSCR-rental specifically, Visio Lending is the DSCR-only specialist (it publishes no rate sheet, but its lender entity's 2025 HMDA median note rate was 7.35%) and Lima One has a unique LOC product worth a look. For fix-and-flip, Easy Street is faster on repeat deals (48-hour close); Kiavi wins on scale and the no-appraisal speed advantage.

5. Should you use Kiavi today?

Use Kiavi if:

• You're a borrower (real estate investor) — not an investor looking to lend
• You're flipping or buying a rental, in any of the 49 states + DC, with $100K+ in loan size
• Speed matters more than getting the absolute lowest rate
• You're a repeat borrower who can qualify for Enterprise tier pricing
• You don't need an appraisal on a bridge loan and want to skip that timeline (rental loans do require one)

Skip Kiavi if:

• You're a passive investor looking to lend money on real estate (it's gone — try Groundfloor or Concreit)
• You want a full published rate card (Kiavi shows only “as low as” rates, and Visio publishes no rate sheet at all)
• You're a first-time flipper looking for the cheapest possible rate (shop competitively — Lima One LOC, Easy Street, RCN may price lower for your profile)
• You need a fix-and-flip loan under $100K (Kiavi's bridge page now shows loans from $75K; RCN starts at $50K; Lima One at $75K)
• You can't tolerate aggressive extension fees if your project misses its timeline

FAQ

Related coverage

• Best Fix-and-Flip Lender 2026: Forensic Comparison — head-to-head verdict matrix Kiavi vs Roc360 vs Lima One vs LendingOne with decision framework
• Lima One Capital Review 2026 (standalone) — full forensic on MFA Financial subsidiary with the only public state-regulator consent order in the BPL big-four
• Easy Street Capital Review 2026 — 3rd-unrated RTL securitizer in 2025, BBB F-rating, Fay Servicing post-close transfer pattern
• RCN Capital Review 2026 — the wholesale-first 15-year competitor with $8.2B+ originated, no public ABS shelf
• Anchor Loans Review 2026 — the oldest BPL lender (1998) now backed by Pretium's $57B AUM, $5.4B 2025 originations
• LendingOne Review 2026 — Florida-based DSCR specialist with the most aggressive negative-cashflow program in the major-BPL market
• Visio Lending Review 2026 — original DSCR pioneer; #1 DSCR lender Scotsman Guide 2024 ($854.6M); more than $4.8B originated (Visio, August 2026)
• Center Street Lending Review 2026 — Irvine CA mid-tier BPL; $7.3B lifetime; two CA DFPI license revocations on legacy SPE funds (administrative non-filings)
• Best DSCR Loan Lender 2026: Forensic Comparison — Visio vs Kiavi vs Lima One vs LendingOne vs Roc360 vs Easy Street vs Velocity vs Angel Oak
• Velocity Financial Review 2026 (NYSE:VEL) — the only publicly traded pure-play investor BPL lender; $10.6B in 46 cumulative securitizations; January 2026 $500M unsecured notes
• Constructive Loans Review 2026 — captive originator for Adamas Trust (NASDAQ:ADAM, formerly NYMT); $428M originated in Q2 2026, 160 of Adamas's 221 employees working in Constructive at December 31, 2025; mostly wholesale (800+ broker partners, 88% of volume) with 5-8 unit DSCR uniqueness
• Quontic Bank DSCR Review 2026 — the only FDIC-insured + CDFI-certified DSCR lender, with three open regulatory enforcement orders disclosed honestly

Bottom line

Kiavi is no longer an investor platform, and a lot of "kiavi reviews" search results blur this fact. The retail Platform Notes product wound down on October 19–31, 2021 — that's the date that matters for anyone who arrived here looking to lend money. The Opportunity Fund II ran on institutional capital separately.

The borrower-side Kiavi is the largest US private fix-and-flip lender at $30B+ in originations and the credit it gets from Trustpilot reviewers (4.6/5) is largely earned. The marks against it are real but typical of the lender category: aggressive extension fees, a BBB F rating with 3 unanswered complaints (October 2026), and recurring layoff cycles. If you're a real estate investor borrowing $100K+ in any of 49 states + DC and you value 7-day close-times over the absolute lowest rate, Kiavi is one of the few lenders at scale who can actually deliver. Since September 1, 2026 it is a Figure Technology Solutions subsidiary, so check whether Kiavi Funding, LLC or Figure Lending LLC is named on your loan documents. If you're a passive investor looking to lend on residential real estate, your better options today are Groundfloor (non-accredited, $10 minimum, very similar underlying product) or accredited-only platforms like EquityMultiple for commercial debt.

We'll keep this review updated as Kiavi files additional securitizations on the LHOME shelf and as BBB / Trustpilot data evolves.

Sources (primary and verified):

• Kiavi homepage and stats — verified May 2026
• Kiavi Fix-and-Flip Loan terms
• Kiavi DSCR Rental Loan terms
• Kiavi NMLS / Disclosures (NMLS 1125207)
• LendingHome rebrands as Kiavi (BusinessWire, Sep 1, 2021)
• LendingHome Marketplace LLC Form D, SEC EDGAR (Nov 15, 2019)
• Kiavi $400M securitization (Aug 2025)
• Kiavi $350M securitization (Feb 2026)
• Kiavi 100,000 loans milestone (Jun 2025)
• Kiavi expands to 49 states (Dec 2025)
• Kiavi lays off 7% (HousingWire, Jul 2022)
• Kiavi Funding BBB profile (BBB of Western Pennsylvania), read October 8, 2026
• CFPB Consumer Complaint Database — Kiavi, Inc., read October 8 and October 11, 2026
• HMDA 2025 loan-level data, Kiavi Funding, Inc. (LEI 5493006VAGP3GQ8FJT49)
• Kiavi Funding ABS-15G filings (Rule 15Ga-1 repurchase reports), SEC EDGAR
• Figure completes acquisition of Kiavi (September 1, 2026)
• Figure Technology Solutions Form 8-K, September 1, 2026 (Item 2.01, completion of the Kiavi acquisition)
• Figure Technology Solutions Form 8-K, June 10, 2026 (merger agreement)
• Figure Enters into Agreement to Acquire Kiavi (Kiavi release, June 10, 2026)
• Figure Technology Solutions Form 10-Q for the quarter ended June 30, 2026 (filed August 14, 2026)
• Figure Technology Solutions Form 8-K, October 7, 2026, Exhibit 99.1 (October 6 operating update)
• FFIEC HMDA data browser API, Kiavi Funding, Inc., 2024 and 2025 originations, read October 15, 2026
• Kiavi disclosures and homepage, read October 15, 2026
• Kiavi FAQs, bridge-loan and rental-loan pages, read October 11, 2026
• CourtListener RECAP — federal cases with Kiavi in the caption
• Kiavi Trustpilot profile (787 reviews, 4.6, read October 8, 2026)
• Southbridge RE LLC v. Kiavi (1st Cir. 2024)
• The Real Estate Crowdfunding Review — LendingHome (wind-down chronology)
• NASB DSCR Review 2026 — the other FDIC-insured DSCR lender
• A&D Mortgage Review 2026 — Scotsman Guide #1 Non-QM 2024
• Visio vs Velocity vs Kiavi 2026 — head-to-head DSCR comparison