Lenders › Kind Lending, LLC › California
Kind Lending, LLC in California
HMDA record for properties in California, calendar year 2024. National record · California overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
Kind Lending, LLC's 2024 HMDA record for California covers 7,590 applications, 4,887 of them originated, worth $2.1bn.
Its denial rate in the state was 27.5%, above the California rate of 24.8% across all lenders and compared with the lender's national rate of 27.2%.
The median rate spread on its California originations was 0.3 percentage points (state median 0.4).
Applications in the state were up 87% on 2023.
Compared with the state and the lender's national record
| Measure | In California | California, all lenders | Kind Lending, LLC, all states | United States |
|---|---|---|---|---|
| Denial rate | 27.5% | 24.8% | 27.2% | 24.3% |
| Median rate spread, pp | 0.3 | 0.4 | 0.3 | 0.3 |
| Originations with spread of 1.5 pp or more | 10.2% | 19.9% | 8.2% | 15.6% |
| Average originated loan | $440k | $566k | $392k | $329k |
| Home purchase share | 78.4% | 51.2% | 80.7% | 57.0% |
| FHA-insured share | 27.8% | 11.4% | 25.5% | 13.4% |
| VA-guaranteed share | 4.3% | 4.8% | 7.6% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateCalifornia, all lenders
Loan purpose and loan type in California
By purpose
Home purchase 78% (3,832)Home improvement 7% (347)Refinancing 6% (305)Cash-out refinancing 8% (403)
By type
Conventional 68% (3,310)FHA 28% (1,358)VA 4% (212)USDA 0% (7)
Denial reasons as coded
Share of 1,868 denials in California by first denial reason coded (outlined bar: all lenders in the state).
Counties in California
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Fresno County | 957 | 659 | $234m | 22.2% |
| Los Angeles County | 844 | 471 | $283m | 36.3% |
| Sacramento County | 488 | 333 | $124m | 25.5% |
| Kern County | 471 | 313 | $103m | 25.9% |
| Madera County | 421 | 312 | $110m | 19.2% |
| San Diego County | 493 | 311 | $168m | 28.2% |
| Riverside County | 466 | 259 | $108m | 37.0% |
| Stanislaus County | 328 | 222 | $80m | 24.3% |
| San Joaquin County | 315 | 201 | $81m | 25.0% |
| Orange County | 303 | 188 | $124m | 29.9% |
| San Bernardino County | 330 | 181 | $66m | 37.8% |
| Santa Barbara County | 152 | 101 | $46m | 23.5% |
| Tulare County | 150 | 94 | $29m | 27.5% |
| Ventura County | 142 | 89 | $47m | 29.5% |
| San Luis Obispo County | 129 | 86 | $49m | 22.3% |
| Alameda County | 127 | 84 | $49m | 30.6% |
| Placer County | 126 | 79 | $39m | 27.5% |
| Santa Clara County | 109 | 78 | $58m | 21.6% |
| Contra Costa County | 125 | 76 | $38m | 30.0% |
| Solano County | 116 | 68 | $32m | 23.3% |
| Merced County | 101 | 63 | $21m | 27.3% |
| Sonoma County | 80 | 63 | $31m | 12.3% |
| El Dorado County | 70 | 52 | $20m | 20.0% |
| Kings County | 77 | 49 | $15m | 31.0% |
| Monterey County | 65 | 48 | $23m | 21.3% |
| Yolo County | 57 | 42 | $16m | 20.8% |
| Butte County | 58 | 39 | $13m | 26.4% |
| Yuba County | 53 | 37 | $10m | 22.9% |
| San Mateo County | 44 | 28 | $20m | 31.7% |
| Sutter County | 35 | 28 | $10m | 17.6% |
| Nevada County | 33 | 24 | $11m | 25.0% |
| Mendocino County | 38 | 23 | $8.4m | 28.1% |
| Lake County | 35 | 23 | $5.5m | 25.8% |
| Santa Cruz County | 26 | 18 | $11m | — |
| Calaveras County | 26 | 17 | $5.9m | — |
| San Francisco County | 27 | 15 | $10m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Kind Lending, LLC originate in California in 2024?
4,887 loans totalling $2.1bn, from 7,590 applications reported for properties in California.
What is Kind Lending, LLC's denial rate in California?
27.5% of decided applications in California were denied, against 24.8% for all lenders in the state and 27.2% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which California counties does Kind Lending, LLC lend in most?
By originations: Fresno County (659), Los Angeles County (471), Sacramento County (333), Kern County (313), Madera County (312).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in California. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.