What loan types does Kind Lending offer?

Kind Lending offers the following mortgage loan types: FHA, Conventional, VA, Jumbo, usda. Each product has its own pricing score and performance metrics.

Where does Kind Lending offer mortgages?

Kind Lending is a national lender offering mortgages in all 50 states plus Washington D.C.

How competitive are Kind Lending's mortgage rates?

Kind Lending has an overall pricing score of 38.9/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Kind Lending?

Kind Lending is a Independent Mortgage Company headquartered in Lexington, KY.

Unclaimed

Kind Lending

Independent Mortgage Company•Lexington, KYHQ•Wholesale•Reviews near you on Google

Kind Lending's 13.4k closed loans and 20k applications, benchmarked against peer lenders across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Acceptable

2/5

vs. all lenders

Pull-through

Strong

4/5

closing strength

Product

Exceptional

5/5

FHA · Conventional · VA · Jumbo · USDA

Place

Strong

4/5

National · 49 mkts

Awards

Conventional

Superstar

FHA

Superstar

USDA

Superstar

Purchase

Superstar

Refinance

Superstar

Summary

What They Do Well

Strong pull through performance
High volume lender with significant market experience
Particularly strong in Conventional and FHA and VA and Jumbo and USDA loans
Nationwide availability with consistent service

Things to Think About

Pricing may be below industry average

Explore another lender or local market

Report Card

Kind Lending performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Acceptable

+34.8 bps above market avg

Pull Through

Closing strength

Strong

Top 40% of lenders

By Loan Product· Specialization by type

Conventional

Exceptional

Top 20% of lenders

FHA

Exceptional

Top 10% of lenders

Exceptional

Top 20% of lenders

Jumbo

Exceptional

Top 20% of lenders

USDA

Exceptional

Top 10% of lenders

By Loan Purpose· Transaction purpose mix

Purchase

Exceptional

Top 20% of lenders

Refinance

Exceptional

Top 20% of lenders

By Location· Geographic coverage

Geographic Reach

National · 50 markets

Strong

Top 40% of lenders

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Strong	Exceptional	Acceptable	Strong	7,346	54.8%	+0.383%Above	$2,902Fees
FHA Loans	Strong	Exceptional	Sound	Strong	4,431	33.1%	+0.415%Above	$2,727Fees
VA Loans	Strong	Exceptional	Strong	Strong	1,197	8.9%	-0.389%Below	$1,803Fees
Jumbo Loans	Sound	Exceptional	Acceptable	Sound	201	1.5%	+0.569%Above	$2,241Fees
USDA Loans	Strong	Exceptional	Sound	Strong	224	1.7%	+0.297%Above	$1,979Fees

Conventional

Overall

Strong

Product

Exceptional

Pricing

Acceptable

Pull Through

Strong

Volume7,346

Mix54.8%

Spread

+0.383%Above

Fees

$2,902Fees

FHA Loans

Overall

Strong

Product

Exceptional

Pricing

Sound

Pull Through

Strong

Volume4,431

Mix33.1%

Spread

+0.415%Above

Fees

$2,727Fees

VA Loans

Overall

Strong

Product

Exceptional

Pricing

Strong

Pull Through

Strong

Volume1,197

Mix8.9%

Spread

-0.389%Below

Fees

$1,803Fees

Jumbo Loans

Overall

Sound

Product

Exceptional

Pricing

Acceptable

Pull Through

Sound

Volume201

Mix1.5%

Spread

+0.569%Above

Fees

$2,241Fees

USDA Loans

Overall

Strong

Product

Exceptional

Pricing

Sound

Pull Through

Strong

Volume224

Mix1.7%

Spread

+0.297%Above

Fees

$1,979Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Strong	Exceptional	Acceptable	Strong	11,809	88.1%	+0.359%Above	$2,748Fees
Refinance	Sound	Exceptional	Acceptable	Sound	1,590	11.9%	+0.271%Above	$2,846Fees

Purchase

Overall

Strong

Product

Exceptional

Pricing

Acceptable

Pull Through

Strong

Volume11,809

Mix88.1%

Spread

+0.359%Above

Fees

$2,748Fees

Refinance

Overall

Sound

Product

Exceptional

Pricing

Acceptable

Pull Through

Sound

Volume1,590

Mix11.9%

Spread

+0.271%Above

Fees

$2,846Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

13,399

Applications

20,361

Volume

$5 billion

Pricing & Closing

Avg Rate Spread

+0.348%

vs. market APOR

Avg Net Fees

$2,761

Origination − Credits

Pullthrough Rate

65.8%

Applications → Closed

Typical Borrower

Avg Loan Amount

$426,770

Avg Borrower Income

$161,591

Avg Property Value

$528,143

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

Northeast7

CTMENHNJPARIVT

Midwest12

IAILINKSMIMNMONDNEOHSDWI

South17

ALARDCDEFLGAKYLAMDMSNCOKSCTNTXVAWV

West13

AKAZCACOHIIDMTNMNVORUTWAWY

Top Metro Areas by Place Specialization Score

1© Ken Lund from Reno, Nevada, USA · CC BY-SA 2.0

Fresno, CAMetro

Volume 784Mix 5.85% of portfolio

96/100

Exceptional

2© Garrett from Salt Lake City · CC BY 2.0

Salt Lake City, UTMetro

Volume 499Mix 3.72% of portfolio

85/100

Exceptional

3© Ntsimp · Public domain

Ogden, UTMetro

Volume 283Mix 2.11% of portfolio

83/100

Exceptional

Modesto, CAMetro

Volume 170Mix 1.27% of portfolio

83/100

Exceptional

Scranton, PAMetro

Volume 170Mix 1.27% of portfolio

81/100

Exceptional

Bakersfield, CAMetro

Volume 242Mix 1.81% of portfolio

81/100

Exceptional

Bend, ORMetro

Volume 74Mix 0.55% of portfolio

77/100

Strong

Provo, UTMetro

Volume 219Mix 1.63% of portfolio

77/100

Strong

Houston, TXMetro

Volume 501Mix 3.74% of portfolio

76/100

Strong

Sacramento, CAMetro

Volume 352Mix 2.63% of portfolio

76/100

Strong

Showing 10 of 49 metro areas

Top States by Place Specialization Score

UtahState

Volume 1,182Mix 8.82% of portfolio

86/100

Exceptional

CaliforniaState

Volume 3,338Mix 24.91% of portfolio

85/100

Exceptional

TexasState

Volume 1,517Mix 11.32% of portfolio

79/100

Strong

OregonState

Volume 418Mix 3.12% of portfolio

78/100

Strong

GeorgiaState

Volume 736Mix 5.49% of portfolio

77/100

Strong

FloridaState

Volume 1,134Mix 8.46% of portfolio

75/100

Strong

PennsylvaniaState

Volume 505Mix 3.77% of portfolio

74/100

Strong

KentuckyState

Volume 274Mix 2.04% of portfolio

72/100

Strong

New MexicoState

Volume 197Mix 1.47% of portfolio

72/100

Strong

WashingtonState

Volume 313Mix 2.34% of portfolio

71/100

Strong

Showing 10 of 44 states

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts

Pricing

Rate and fee competitiveness (33%)

10/ 30 pts

Pull Through

Reliability in closing loans (33%)

10/ 30 pts

Product

Specialization in the loan type (33%)

💎

Champion(80%+ = 24-30 points)

⭐

Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

Looking for a different lender?

Are you the owner of Kind Lending?

Claim this profile to add your business logo, highlight verified loan officers, collect verified reviews, and customize your marketing presence.

Claim this Profile

The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.