Lender in Virginia · HMDA 2025

Kind Lending, LLC mortgages in Virginia

Kind Lending, LLC's 2025 home-purchase and refinance lending in Virginia, compared with all lenders in the state.

Kind Lending, LLC originated 374 owner-occupied single-family loans in Virginia from 520 completed applications.

Its median conventional purchase loan costs were $6,650 versus $5,610 for all Virginia lenders, at a median 30-year fixed rate of 6.625% (Virginia: 6.625%).

Loans in VA

374

of 520 applications

Denial rate

23.2%

Purchase · VA 6.9%

Rate spread

+0.19 pts

Conv. · VA +0.10 pts

Loan amount

$425,000

Purchase · VA $385,000

By loan purpose

Purpose	Applications	Loans	Denial rate	30-yr rate*	Rate spread*	Loan costs*	Median loan
Home purchase	393	299	23.2%	6.625%	+0.19 pts	$6,650	$425,000
Refinance	58	39	31.0%	6.375%	+0.02 pts	$8,580	$425,000
Cash-out refinance	69	36	47.8%	—	—	—	$445,000

*Conventional loans only; medians with at least 20 loans.

Virginia counties where Kind Lending, LLC ranks in the top 25

County	Rank	Loans	Market share
Emporia city	8	2	4.3%
Appomattox County	15	4	1.7%
Buena Vista city	19	1	1.3%
Stafford County	20	28	0.9%
Rockingham County	20	11	1.1%
King George County	21	6	1.1%
Smyth County	21	2	0.8%
Manassas Park city	22	3	1.2%
Orange County	24	8	0.9%
Campbell County	25	8	1.1%

Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology