Kind Lending, LLC mortgage approval rate & lending review
Kind Lending, LLC decided 67,693 mortgage applications and funded 48,501 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Kind Lending, LLC reported under the Home Mortgage Disclosure Act, not its advertised interest rates. For current rates and applications go to kindlending.com.
Kind Lending, LLC at a glance
Approval is 10.7 points below the 83.2% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 76% | 33,704 / 44,115 | 99% | $375K | 33,400 |
| Home improvement loans | 63% | 1,488 / 2,365 | 98% | $145K | 1,453 |
| Cash-out refinance | 62% | 3,239 / 5,260 | 98% | $335K | 3,159 |
| Refinance | 64% | 2,444 / 3,846 | 96% | $445K | 2,358 |
| Investment property purchase | 74% | 5,518 / 7,480 | 99% | $295K | 5,469 |
| Investment cash-out refinance | 58% | 1,045 / 1,796 | 99% | $305K | 1,032 |
| Investment refinance | 60% | 843 / 1,403 | 98% | $365K | 825 |
| Investment home improvement | 58% | 823 / 1,428 | 98% | $255K | 805 |
Kind Lending, LLC lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| California | 73% | $415K | 18,352 | 13,139 |
| Texas | 72% | $325K | 8,714 | 6,200 |
| Florida | 67% | $365K | 7,440 | 4,973 |
| Utah | 77% | $475K | 4,665 | 3,553 |
| Georgia | 74% | $395K | 2,575 | 1,870 |
| Pennsylvania | 76% | $205K | 1,980 | 1,488 |
| Arizona | 68% | $425K | 1,782 | 1,198 |
| Oregon | 79% | $415K | 1,651 | 1,291 |
| Washington | 74% | $495K | 1,587 | 1,168 |
| New Jersey | 70% | $515K | 1,426 | 983 |
| Colorado | 75% | $465K | 1,340 | 981 |
| Nevada | 73% | $385K | 1,187 | 863 |
| Illinois | 71% | $305K | 1,151 | 804 |
| Virginia | 70% | $495K | 1,065 | 739 |
| Tennessee | 72% | $355K | 964 | 681 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Kind Lending, LLC lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Fresno County, CA | Mortgage lenders | 80% | 1,877 | 1,490 |
| Salt Lake County, UT | Mortgage lenders | 79% | 1,235 | 965 |
| Harris County, TX | Mortgage lenders | 74% | 1,233 | 907 |
| Kern County, CA | Mortgage lenders | 81% | 974 | 783 |
| Sacramento County, CA | Mortgage lenders | 77% | 970 | 730 |
| Madera County, CA | Mortgage lenders | 80% | 809 | 640 |
| Los Angeles County, CA | Mortgage lenders | 68% | 947 | 638 |
| Utah County, UT | Mortgage lenders | 79% | 698 | 545 |
| Riverside County, CA | Mortgage lenders | 71% | 699 | 489 |
| Maricopa County, AZ | Mortgage lenders | 73% | 640 | 461 |
| Stanislaus County, CA | Mortgage lenders | 78% | 587 | 457 |
| San Diego County, CA | Mortgage lenders | 73% | 576 | 420 |
The county markets where Kind Lending, LLC made the most loans. Each link opens that market with every lender ranked.
Questions about Kind Lending, LLC
What is Kind Lending, LLC's mortgage approval rate?
Kind Lending, LLC approved 72.5% of the 67,693 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 10.7 points below the 83.2% national rate for the same mix of loan types.
How often do borrowers take the loan Kind Lending, LLC offers?
Borrowers accepted 99% of the loans Kind Lending, LLC approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Kind Lending, LLC make?
The typical home purchase mortgage loan Kind Lending, LLC made was $375K; across all loan types its typical loan ran from $145K to $445K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Kind Lending, LLC lend?
Kind Lending, LLC decided applications in 48 of the states Fat Boy Data covers, most of them in California, Texas and Florida.
Can I apply to Kind Lending, LLC directly?
Yes. Kind Lending, LLC reports as a direct lender that takes applications from borrowers. Its website is kindlending.com.
Does this page show Kind Lending, LLC's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Kind Lending, LLC treats applications, then get a rate quote from the lender.