KIND LENDING, LLC

29,401 mortgages originated in 2025 across 40 states, and what they cost borrowers.

Loans originated

29,401

Median rate

6.625%

Median lender fees

$8,977

Median loan amount

$345,000

Median spread over APOR

0.294

Paid discount points

40.3%

Received lender credits

34.1%

Purchases / refinances

77.9% / 17.2%

Conventional / FHA / VA

62.9% / 26.2% / 9.3%

Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 85% of loans here — see methodology.

Where KIND LENDING, LLC lent

States with at least 50 loans in 2025, ranked by volume.