# KIND LENDING, LLC

> **Canonical URL:** https://saferate.com/lenders/kind-lending


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


KIND LENDING, LLC is a independent mortgage company, headquartered in Lexington, KY, serving borrowers nationwide, with 13,399 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 61% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 27% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300MZ8VZJOVC63092
- **Headquarters:** Lexington, KY
- **Geographic Reach:** National
- **States Served:** 49
- **State List:** AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY
- **Markets (MSAs):** 50
- **Primary Channel:** wholesale
- **Direct Origination:** 4.3%
- **Brokered/Wholesale:** 95.7%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 39/100
- Rating: ●●○○○ (2/5)

### Pull Through: Strong 😀
- Score: 73/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.348%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,761
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 13,399
- **Dollar Volume:** $5.7 billion
- **Applications Received:** 20,361
- **Market Share:** 38.00%

## Typical Borrower Profile

- **Average Loan Amount:** $426,770
- **Average Borrower Income:** $161,591
- **Average Property Value:** $528,143

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (62%)
- ⭐ **FHA Gold Superstar** (70%)
- ⭐ **VA Gold Superstar** (77%)
- ⭐ **USDA Gold Superstar** (70%)
- ⭐ **Purchase Gold Superstar** (62%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 86/100 | 7,346 | +0.383% | $2,902 | Exceptional 🤩 |
| FHA | 90/100 | 4,431 | +0.415% | $2,727 | Exceptional 🤩 |
| VA | 86/100 | 1,197 | -0.389% | $1,803 | Exceptional 🤩 |
| Jumbo | 83/100 | 201 | +0.569% | $2,241 | Exceptional 🤩 |
| USDA | 90/100 | 224 | +0.297% | $1,979 | Exceptional 🤩 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 6,389 loans, Score: 87/100 (Exceptional)
- Refinance: 957 loans, Score: 76/100 (Strong)

**FHA:**
- Purchase: 3,939 loans, Score: 90/100 (Exceptional)
- Refinance: 492 loans, Score: 85/100 (Exceptional)

**VA:**
- Purchase: 1,104 loans, Score: 86/100 (Exceptional)
- Refinance: 93 loans, Score: 81/100 (Exceptional)

**Jumbo:**
- Purchase: 155 loans, Score: 83/100 (Exceptional)
- Refinance: 46 loans, Score: 82/100 (Exceptional)

**USDA:**
- Purchase: 222 loans, Score: 90/100 (Exceptional)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 89/100 | 11,809 | $5.0B | +0.359% | Exceptional 🤩 |
| Refinance | 80/100 | 1,590 | $703M | +0.271% | Exceptional 🤩 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| CA | 3,338 | 1.17% | 85/100 |
| TX | 1,517 | 0.43% | 79/100 |
| UT | 1,182 | 2.63% | 86/100 |
| FL | 1,134 | 0.39% | 75/100 |
| GA | 736 | 0.53% | 77/100 |
| PA | 505 | 0.42% | 74/100 |
| OR | 418 | 0.98% | 78/100 |
| WA | 313 | 0.37% | 71/100 |
| CO | 300 | 0.36% | 68/100 |
| VA | 298 | 0.28% | 70/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 1,311 | 77/100 |
| Fresno, CA | CA | 784 | 96/100 |
| Houston | TX | 501 | 76/100 |
| Salt Lake City | UT | 499 | 85/100 |
| Sacramento | CA | 352 | 76/100 |
| Atlanta | GA | 346 | 73/100 |
| Dallas | TX | 288 | 71/100 |
| Los Angeles | CA | 288 | 72/100 |
| Ogden, UT | UT | 283 | 83/100 |
| Riverside | CA | 264 | 70/100 |
| Bakersfield | CA | 242 | 81/100 |
| Provo | UT | 219 | 77/100 |
| Louisville/Jefferson County, KY | KY-IN | 202 | 75/100 |
| Arlington | VA-WV | 189 | 69/100 |
| Phoenix | AZ | 188 | 64/100 |

## Where This Lender Ranks

KIND LENDING, LLC appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥈 **#2** in Fresno, CA for VA Loans
  - [View Full Rankings](https://saferate.com/fresno-ca/best-mortgage-lenders/va-loans)
- 🥈 **#2** in Fresno, CA for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/fresno-ca/best-mortgage-lenders/mortgage-companies/va-loans)
- 🥈 **#2** in Fresno, CA for Jumbo Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/fresno-ca/best-mortgage-lenders/mortgage-companies/jumbo-loans)
- 🥈 **#2** in Bakersfield for VA Loans
  - [View Full Rankings](https://saferate.com/bakersfield/best-mortgage-lenders/va-loans)
- 🥈 **#2** in Bakersfield for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/bakersfield/best-mortgage-lenders/mortgage-companies/va-loans)
- 🥈 **#2** in Scranton for VA Loans
  - [View Full Rankings](https://saferate.com/scranton/best-mortgage-lenders/va-loans)
- 🥈 **#2** in Scranton for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/scranton/best-mortgage-lenders/mortgage-companies/va-loans)
- 🥈 **#2** in Modesto, CA for VA Loans
  - [View Full Rankings](https://saferate.com/modesto-ca/best-mortgage-lenders/va-loans)
- 🥈 **#2** in Modesto, CA for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/modesto-ca/best-mortgage-lenders/mortgage-companies/va-loans)
- 🥈 **#2** in Stockton for VA Loans
  - [View Full Rankings](https://saferate.com/stockton/best-mortgage-lenders/va-loans)
- 🥈 **#2** in Stockton for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/stockton/best-mortgage-lenders/mortgage-companies/va-loans)
- 🥈 **#2** in Wyoming for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/wyoming/best-mortgage-lenders/mortgage-companies/va-loans)
- 🥈 **#2** in Yuba City, CA for VA Loans
  - [View Full Rankings](https://saferate.com/yuba-city-ca/best-mortgage-lenders/va-loans)
- 🥈 **#2** in Yuba City, CA for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/yuba-city-ca/best-mortgage-lenders/mortgage-companies/va-loans)
- 🥈 **#2** in Rapid City, SD for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/rapid-city-sd/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🥉 **#3** in California for USDA Loans
  - [View Full Rankings](https://saferate.com/california/best-mortgage-lenders/usda-loans)
- 🥉 **#3** in California for USDA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/california/best-mortgage-lenders/mortgage-companies/usda-loans)
- 🥉 **#3** in Utah for VA Loans
  - [View Full Rankings](https://saferate.com/utah/best-mortgage-lenders/va-loans)
- 🥉 **#3** in Utah for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/utah/best-mortgage-lenders/mortgage-companies/va-loans)
- 🥉 **#3** in Salt Lake City for VA Loans
  - [View Full Rankings](https://saferate.com/salt-lake-city/best-mortgage-lenders/va-loans)

## Frequently Asked Questions

### What loan types does KIND LENDING, LLC offer?

KIND LENDING, LLC offers the following mortgage loan types: FHA, Conventional, VA, Jumbo, USDA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does KIND LENDING, LLC offer mortgages?

KIND LENDING, LLC is a national lender offering mortgages in all 50 states plus Washington D.C.

### How competitive are KIND LENDING, LLC's mortgage rates?

KIND LENDING, LLC has a pricing score of 39/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.348% above market average.

### What type of lender is KIND LENDING, LLC?

KIND LENDING, LLC is a non-depository lender that specializes in mortgage origination, headquartered in Lexington, KY.

### What is KIND LENDING, LLC's loan approval success rate?

KIND LENDING, LLC has a pull-through score of 73/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/kind-lending

### How to Cite

> "KIND LENDING, LLC Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/kind-lending

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