Figure completes Kiavi deal, adds investor loans to blockchain platform

Educational

HousingWire reports that Figure has completed its $717 million acquisition of Kiavi, a deal first announced in June, as the company moves to bring investor loans onto its blockchain platform. The purchase positions Figure to pursue what it describes as a $35 trillion home equity market, expanding its reach beyond consumer lending into the investor property space. The combination of Figure's technology infrastructure with Kiavi's investor loan expertise marks a notable consolidation at the intersection of real estate finance and distributed ledger systems.

For investors watching this consolidation, the landscape is shifting toward larger, technology-scaled platforms that may not leave room for the individualized file handling that complex investment properties often require. loantrust.ai operates in this same investor mortgage space with a different structure: one licensed MLO personally packages every loan, with no call center involved, and the brokerage offers DSCR programs that qualify on property cash flow rather than personal income, fix-and-flip and bridge financing for acquisition and renovation, new construction and multifamily programs, and bank-statement options for self-employed borrowers who need alternative documentation.

The Figure-Kiavi deal signals where institutional capital is flowing in residential real estate finance, and it underscores why financing strategy matters now. Investors navigating this environment need a brokerage that can match the specificity of their deals with programs designed for non-owner-occupied properties, not a consumer-lending operation bolted onto investor products. loantrust.ai, as an Atlanta-based mortgage brokerage focused exclusively on this investor segment, sits at the point where specialized product knowledge and direct file handling meet a market being rapidly reshaped by platform consolidation.