Lender in California · HMDA 2025
Kind Lending, LLC mortgages in California
Kind Lending, LLC's 2025 home-purchase and refinance lending in California, compared with all lenders in the state.
Kind Lending, LLC originated 4,339 owner-occupied single-family loans in California from 5,848 completed applications, making it the state's #14 lender by volume.
Its median conventional purchase loan costs were $9,090 versus $7,920 for all California lenders, at a median 30-year fixed rate of 6.625% (California: 6.625%).
Loans in CA
4,339
of 5,848 applications
Denial rate
22.0%
Purchase · CA 8.9%
Rate spread
+0.28 pts
Conv. · CA +0.09 pts
Loan amount
$435,000
Purchase · CA $575,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 4,785 | 3,679 | 22.0% | 6.625% | +0.28 pts | $9,090 | $435,000 |
| Refinance | 512 | 306 | 38.3% | 6.500% | +0.12 pts | $7,090 | $605,000 |
| Cash-out refinance | 551 | 354 | 33.9% | 6.875% | +0.46 pts | $7,630 | $435,000 |
*Conventional loans only; medians with at least 20 loans.
California counties where Kind Lending, LLC ranks in the top 25
Showing the 30 counties where it ranks highest, of 39.
| County | Rank | Loans | Market share |
|---|---|---|---|
| Fresno County | 3 | 580 | 7.1% |
| Madera County | 3 | 209 | 9.3% |
| Kern County | 4 | 362 | 4.0% |
| Sutter County | 4 | 43 | 5.4% |
| Mendocino County | 4 | 28 | 5.6% |
| Lake County | 4 | 23 | 4.0% |
| Colusa County | 4 | 10 | 6.7% |
| Yuba County | 5 | 54 | 3.9% |
| Tuolumne County | 5 | 13 | 2.3% |
| Del Norte County | 5 | 7 | 4.0% |
| Butte County | 6 | 72 | 3.7% |
| Merced County | 6 | 65 | 2.9% |
| Amador County | 6 | 17 | 3.3% |
| Stanislaus County | 7 | 155 | 3.3% |
| Tulare County | 7 | 144 | 3.4% |
| Yolo County | 7 | 37 | 2.3% |
| San Luis Obispo County | 8 | 62 | 2.6% |
| Calaveras County | 8 | 15 | 2.5% |
| Alpine County | 8 | 1 | 8.3% |
| Sacramento County | 9 | 343 | 2.0% |
| Santa Barbara County | 9 | 67 | 2.5% |
| Kings County | 9 | 53 | 3.3% |
| Solano County | 10 | 89 | 1.8% |
| Glenn County | 10 | 4 | 2.0% |
| Sierra County | 10 | 1 | 4.2% |
| San Joaquin County | 11 | 126 | 1.5% |
| El Dorado County | 11 | 41 | 1.6% |
| Nevada County | 11 | 23 | 1.8% |
| Tehama County | 13 | 11 | 2.1% |
| Placer County | 15 | 96 | 1.5% |
- Kind Lending, LLC nationwide
- California mortgage market
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Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology