Kind Lending, LLC Mortgage Lending & HMDA Data, 2022
In 2022, Kind Lending, LLC of Irvine, CA reported 9,120 mortgage applications totaling $3.2 billion, up 137% from 2021. The average application was for $349,364, and applicants reported an average income of $122,251. 64% of its applications resulted in an originated loan and 22% were denied. Its largest markets were Scranton--Wilkes-Barre--Hazleton, PA (517), Atlanta-Sandy Springs-Roswell, GA (442) and Louisville/Jefferson County, KY-IN (400) (applications in parentheses).
| Mortgage Company & Address | Kind Lending, LLC 1920 Main Street Suite 1100 & 1200 Irvine, CA 92614 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 |
| Total Number of Mortgage Applications | 9,120 |
| Total Mortgage Loan Application Amount | $3,186,200,000 |
| Average Mortgage Loan Application Amount | $349,364 |
| Highest Mortgage Loan Application Amount | $3,435,000 |
| Average Applicant Income | $122,251 |
| Highest Applicant Income | $7,928,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Kind Lending, LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
Mortgage Loan Application Detail Totals for Kind Lending, LLC in 2022
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 7,027 | $2,466,885,000 | $351,000 | $3,305,000 | $125,000 | $7,928,000 |
| Cash-out Refinancing | 1,402 | $489,940,000 | $349,000 | $3,435,000 | $112,000 | $2,158,000 |
| Refinancing | 594 | $205,470,000 | $345,000 | $2,005,000 | $113,000 | $2,237,000 |
| Home Improvement | 97 | $23,905,000 | $246,000 | $1,425,000 | $128,000 | $1,411,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 4,721 | $1,587,705,000 | $336,000 | $3,435,000 | $125,000 | $7,659,000 |
| Not Provided | 1,667 | $612,395,000 | $367,000 | $3,305,000 | $126,000 | $7,928,000 |
| Hispanic | 1,341 | $463,715,000 | $345,000 | $1,505,000 | $104,000 | $3,568,000 |
| Black or African American | 796 | $276,650,000 | $347,000 | $2,315,000 | $110,000 | $2,400,000 |
| Asian | 343 | $161,535,000 | $470,000 | $2,965,000 | $157,000 | $1,957,000 |
| Not applicable | 126 | $38,810,000 | $308,000 | $975,000 | $0 | $0 |
| American Indian or Alaskan Native | 54 | $17,540,000 | $324,000 | $1,035,000 | $134,000 | $671,000 |
| Native Hawaiian or Other Pacific Islander | 19 | $6,875,000 | $361,000 | $735,000 | $97,000 | $147,000 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 5,095 | $1,931,865,000 | $379,000 | $3,435,000 | $149,000 | $7,928,000 |
| FHA-insured (Federal Housing Administration) | 2,703 | $789,645,000 | $292,000 | $1,425,000 | $86,000 | $600,000 |
| VA-guaranteed (Veterans Administration) | 1,034 | $403,220,000 | $389,000 | $1,995,000 | $106,000 | $1,802,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 288 | $61,470,000 | $213,000 | $615,000 | $68,000 | $600,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 5,862 | $1,995,320,000 | $340,000 | $3,435,000 | $118,000 | $3,287,000 |
| Application Denied By Financial Institution | 1,980 | $729,480,000 | $368,000 | $3,005,000 | $129,000 | $7,928,000 |
| Application Withdrawn By Applicant | 729 | $273,875,000 | $375,000 | $2,625,000 | $140,000 | $2,910,000 |
| File Closed For Incompleteness | 298 | $101,540,000 | $340,000 | $2,005,000 | $121,000 | $2,400,000 |
| Loan Purchased By The Institution | 126 | $38,810,000 | $308,000 | $975,000 | $0 | $0 |
| Application Approved But Not Accepted | 67 | $21,405,000 | $319,000 | $1,985,000 | $111,000 | $609,000 |
| Preapproval Denied by Financial Institution | 56 | $24,640,000 | $440,000 | $1,995,000 | $122,000 | $688,000 |
| Preapproval Approved but not Accepted | 2 | $1,130,000 | $565,000 | $785,000 | $110,000 | $149,000 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 7,084 | $2,432,080,000 | $343,000 | $3,435,000 | $120,000 | $3,287,000 |
| Unverifiable Information | 602 | $235,210,000 | $390,000 | $2,085,000 | $133,000 | $2,158,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 415 | $158,475,000 | $381,000 | $3,005,000 | $161,000 | $7,928,000 |
| Other | 354 | $130,500,000 | $368,000 | $1,955,000 | $125,000 | $7,659,000 |
| Collateral | 346 | $121,660,000 | $351,000 | $1,835,000 | $116,000 | $1,054,000 |
| Credit History | 183 | $61,605,000 | $336,000 | $1,995,000 | $109,000 | $1,080,000 |
| Credit Application Incomplete | 64 | $23,090,000 | $360,000 | $905,000 | $101,000 | $342,000 |
| Employment History | 38 | $11,680,000 | $307,000 | $655,000 | $81,000 | $470,000 |
| Debt-To-Income Ratio | 34 | $11,900,000 | $350,000 | $965,000 | $76,000 | $174,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Kind Lending, LLC's 2022 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Kind Lending, LLC's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in California, download the full spreadsheet
with aggregated HMDA statistics today.
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