Lender in Utah · HMDA 2025
Kind Lending, LLC mortgages in Utah
Kind Lending, LLC's 2025 home-purchase and refinance lending in Utah, compared with all lenders in the state.
Kind Lending, LLC originated 1,860 owner-occupied single-family loans in Utah from 2,407 completed applications, making it the state's #6 lender by volume.
Its median conventional purchase loan costs were $6,840 versus $6,400 for all Utah lenders, at a median 30-year fixed rate of 6.625% (Utah: 6.50%).
Loans in UT
1,860
of 2,407 applications
Denial rate
19.5%
Purchase · UT 6.5%
Rate spread
+0.09 pts
Conv. · UT +0.05 pts
Loan amount
$455,000
Purchase · UT $435,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 1,837 | 1,454 | 19.5% | 6.625% | +0.09 pts | $6,840 | $455,000 |
| Refinance | 315 | 219 | 28.6% | 6.375% | +0.04 pts | $6,310 | $465,000 |
| Cash-out refinance | 255 | 187 | 24.3% | 6.750% | +0.35 pts | $5,580 | $405,000 |
*Conventional loans only; medians with at least 20 loans.
Utah counties where Kind Lending, LLC ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Salt Lake County | 4 | 625 | 4.2% |
| Daggett County | 4 | 1 | 12.5% |
| Davis County | 5 | 268 | 5.1% |
| Cache County | 5 | 94 | 5.0% |
| Tooele County | 5 | 80 | 4.3% |
| Box Elder County | 6 | 48 | 4.0% |
| Duchesne County | 6 | 7 | 3.1% |
| Morgan County | 6 | 6 | 2.6% |
| Weber County | 7 | 187 | 3.9% |
| Grand County | 7 | 3 | 4.3% |
| Utah County | 8 | 364 | 3.0% |
| Uintah County | 8 | 15 | 2.9% |
| Rich County | 8 | 2 | 4.4% |
| Juab County | 10 | 6 | 3.0% |
| Washington County | 11 | 91 | 2.4% |
| Kane County | 11 | 3 | 2.6% |
| Wasatch County | 12 | 18 | 2.5% |
| Beaver County | 12 | 2 | 2.1% |
| Sanpete County | 13 | 5 | 1.2% |
| Sevier County | 16 | 3 | 1.0% |
| Emery County | 16 | 2 | 1.9% |
| Millard County | 16 | 2 | 1.3% |
| Iron County | 17 | 18 | 1.6% |
| Summit County | 22 | 7 | 1.1% |
| Carbon County | 22 | 3 | 0.9% |
- Kind Lending, LLC nationwide
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Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology