Lender in Kentucky · HMDA 2025
Kind Lending, LLC mortgages in Kentucky
Kind Lending, LLC's 2025 home-purchase and refinance lending in Kentucky, compared with all lenders in the state.
Kind Lending, LLC originated 315 owner-occupied single-family loans in Kentucky from 413 completed applications.
Its median conventional purchase loan costs were $6,950 versus $4,000 for all Kentucky lenders, at a median 30-year fixed rate of 6.875% (Kentucky: 6.625%).
Loans in KY
315
of 413 applications
Denial rate
21.3%
Purchase · KY 8.2%
Rate spread
+0.47 pts
Conv. · KY +0.21 pts
Loan amount
$255,000
Purchase · KY $245,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 362 | 283 | 21.3% | 6.875% | +0.47 pts | $6,950 | $255,000 |
| Refinance | 32 | 20 | 37.5% | — | — | — | $275,000 |
| Cash-out refinance | 19 | 12 | — | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
Kentucky counties where Kind Lending, LLC ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Cumberland County | 6 | 2 | 6.9% |
| Leslie County | 9 | 1 | 4.0% |
| Letcher County | 10 | 2 | 3.2% |
| Carroll County | 11 | 3 | 2.8% |
| Knott County | 11 | 1 | 3.5% |
| Harrison County | 14 | 3 | 1.7% |
| Bullitt County | 15 | 29 | 1.8% |
| Nelson County | 15 | 11 | 1.4% |
| Carlisle County | 15 | 1 | 1.7% |
| Perry County | 16 | 2 | 2.0% |
| Clinton County | 16 | 1 | 2.6% |
| Warren County | 18 | 22 | 1.2% |
| Logan County | 19 | 5 | 1.3% |
| Trigg County | 21 | 3 | 1.5% |
| Harlan County | 23 | 1 | 0.9% |
| Jackson County | 23 | 1 | 1.5% |
| Ohio County | 24 | 2 | 1.0% |
| Oldham County | 25 | 13 | 1.1% |
| Pulaski County | 25 | 6 | 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