Lender in Montana · HMDA 2025
Kind Lending, LLC mortgages in Montana
Kind Lending, LLC's 2025 home-purchase and refinance lending in Montana, compared with all lenders in the state.
Kind Lending, LLC originated 244 owner-occupied single-family loans in Montana from 312 completed applications, making it the state's #12 lender by volume.
Its median conventional purchase loan costs were $5,890 versus $6,560 for all Montana lenders, at a median 30-year fixed rate of 6.75% (Montana: 6.625%).
Loans in MT
244
of 312 applications
Denial rate
20.9%
Purchase · MT 7.7%
Rate spread
+0.19 pts
Conv. · MT +0.15 pts
Loan amount
$415,000
Purchase · MT $365,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 249 | 193 | 20.9% | 6.750% | +0.19 pts | $5,890 | $415,000 |
| Refinance | 32 | 25 | 21.9% | 6.500% | −0.11 pts | $5,150 | $485,000 |
| Cash-out refinance | 31 | 26 | 16.1% | — | — | — | $465,000 |
*Conventional loans only; medians with at least 20 loans.
Montana counties where Kind Lending, LLC ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Sanders County | 4 | 8 | 6.8% |
| Flathead County | 7 | 51 | 3.5% |
| Granite County | 7 | 2 | 5.9% |
| Missoula County | 8 | 61 | 4.9% |
| Ravalli County | 9 | 18 | 3.5% |
| Lake County | 9 | 7 | 2.6% |
| Fallon County | 9 | 1 | 5.9% |
| Broadwater County | 11 | 5 | 3.1% |
| Carbon County | 13 | 3 | 2.2% |
| Fergus County | 13 | 2 | 1.8% |
| Phillips County | 13 | 1 | 3.2% |
| Gallatin County | 14 | 25 | 1.7% |
| Jefferson County | 14 | 4 | 2.2% |
| Stillwater County | 14 | 3 | 2.2% |
| Hill County | 15 | 2 | 1.3% |
| Deer Lodge County | 17 | 2 | 1.5% |
| Yellowstone County | 22 | 30 | 1.2% |
| Powell County | 22 | 1 | 1.9% |
| Beaverhead County | 23 | 1 | 1.1% |
| Lincoln County | 25 | 2 | 0.8% |
- Kind Lending, LLC nationwide
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Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology