Kind Lending: 2025 loan data
Kind Lending's 2025 at a glance, from the public report every mortgage lender files each year.
Filed as KIND LENDING, LLC
- Home loans closed29,401Loans it funded in 2025
- Approval rate72.8%Of applications it said yes or no to
- Typical loan costs$8,977.40Middle amount, before taxes, prepaids and escrow
- Typical lender fees$2,703.32Its own charges to make the loan
What it closes
29,401 home loans closed in 2025
Share of its 2025 home loans: 63% Conventional, 26% FHA, 9% VA and 2% Other types.
These describe the lender's past loans. They are not a quote or a promise for your loan.
How these numbers are counted
Reported application outcomes and pricing, 2025
- Filed asKIND LENDING, LLC
- 2025 home loan decisionsOf 40,961 applications decided by KIND LENDING, LLC in 2025, 29,401 were originated, 425 were approved but not accepted by the borrower, and 11,135 were denied.
- Approval rate: approved (originated plus approved but not accepted) as a share of applications decided (approved plus denied) = 72.8%. Withdrawn, incomplete and purchased loans are not counted.
- Withdrawn, incomplete and purchasedBeyond the decisions above, 4,279 applications were withdrawn by the borrower, 408 were closed for incompleteness, and 1,113 loans were purchased from another lender. HMDA counts these as outcomes in their own right — withdrawn before a decision, closed with no decision reached, and a purchased loan is one bought from another lender — and none of them is a lending decision.
- Median rate spread0.294 percentage points above the average prime offer rate (reported on 25,291 originations, 4,110 reported no spread at all — a median of what was reported, not of everything originated)
These are reported outcomes from past applications, and on their own they do not show how this lender treated any borrower.
Reported closing costs, 2025
- Median total loan costs$8,977.40 — originated closed-end household loans, 2025, 24,998 loans. FFIEC HMDA data browser.
- Median origination charges$2,703.32 — originated closed-end household loans, 2025, 24,998 loans. FFIEC HMDA data browser.
- About these figuresThese are historical closing costs reported in the 2025 filing, not a quote for your loan.
Reported product mix, 2025
- Loan types18,492 Conventional, 7,692 FHA, 2,736 VA, 481 USDA — of 29,401 reported originations, 2025. FFIEC HMDA data browser.
Evidence read November 11, 2026
Source: FFIEC HMDA data browser, 2025 filing. Historical HMDA-reported application outcomes and pricing fields for KIND LENDING, LLC — historical outcomes for the applications it decided. This is not a statement of any consumer's likelihood of approval and not a current rate quote.