Lender in Alabama · HMDA 2025
Kind Lending, LLC mortgages in Alabama
Kind Lending, LLC's 2025 home-purchase and refinance lending in Alabama, compared with all lenders in the state.
Kind Lending, LLC originated 473 owner-occupied single-family loans in Alabama from 611 completed applications.
Its median conventional purchase loan costs were $7,060 versus $4,370 for all Alabama lenders, at a median 30-year fixed rate of 6.50% (Alabama: 6.562%).
Loans in AL
473
of 611 applications
Denial rate
19.4%
Purchase · AL 9.1%
Rate spread
+0.23 pts
Conv. · AL +0.17 pts
Loan amount
$245,000
Purchase · AL $265,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 522 | 418 | 19.4% | 6.500% | +0.23 pts | $7,060 | $245,000 |
| Refinance | 43 | 28 | 34.9% | — | −0.07 pts | $8,140 | $355,000 |
| Cash-out refinance | 46 | 27 | 39.1% | — | — | — | $285,000 |
*Conventional loans only; medians with at least 20 loans.
Alabama counties where Kind Lending, LLC ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Etowah County | 4 | 62 | 5.1% |
| Cherokee County | 4 | 9 | 3.2% |
| DeKalb County | 11 | 17 | 2.4% |
| Lawrence County | 12 | 8 | 2.4% |
| Mobile County | 16 | 75 | 1.6% |
| Blount County | 16 | 9 | 1.3% |
| Baldwin County | 18 | 59 | 1.2% |
| Talladega County | 18 | 12 | 1.4% |
| Marshall County | 19 | 17 | 1.3% |
| Tallapoosa County | 19 | 6 | 1.3% |
| Henry County | 20 | 4 | 1.6% |
| Morgan County | 21 | 19 | 1.1% |
| Covington County | 23 | 3 | 0.9% |
| Randolph County | 24 | 3 | 1.2% |
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Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology