Lender in Michigan · HMDA 2025
Kind Lending, LLC mortgages in Michigan
Kind Lending, LLC's 2025 home-purchase and refinance lending in Michigan, compared with all lenders in the state.
Kind Lending, LLC originated 246 owner-occupied single-family loans in Michigan from 378 completed applications.
Its median conventional purchase loan costs were $6,040 versus $4,140 for all Michigan lenders, at a median 30-year fixed rate of 6.875% (Michigan: 6.625%).
Loans in MI
246
of 378 applications
Denial rate
31.0%
Purchase · MI 7.8%
Rate spread
+0.52 pts
Conv. · MI +0.23 pts
Loan amount
$255,000
Purchase · MI $245,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 284 | 195 | 31.0% | 6.875% | +0.52 pts | $6,040 | $255,000 |
| Refinance | 38 | 21 | 39.5% | — | — | — | $315,000 |
| Cash-out refinance | 56 | 30 | 42.9% | — | — | — | $205,000 |
*Conventional loans only; medians with at least 20 loans.
Michigan counties where Kind Lending, LLC ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Antrim County | 12 | 4 | 1.5% |
| Charlevoix County | 12 | 4 | 1.7% |
| Iosco County | 20 | 3 | 1.0% |
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Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology