The Mortgage Record
Lender report card · New Jersey

Kind Lending, Llc

Irvine, CA · What the federal mortgage record shows about how Kind Lending, Llc treated New Jersey applicants, 2018–2025 — 1,132 reported decisions. This is historical behavior, not a prediction about your loan.

Approval rate
73.1%
827 approved
Denial rate
26.9%
305 denied
Decisions
1,132
2018–2025
Avg. rate spread
+0.45 pp
vs. market benchmark
73.1% approved
26.9% denied

Share of 1,132 New Jersey applications Kind Lending, Llc approved vs. denied. Excludes loans it merely purchased on the secondary market, and applications withdrawn or left incomplete.

Approval rate by loan type

Conventional74.9% of 704 · NJ 87%FHA70.2% of 392 · NJ 79%VA68.8% of 32 · NJ 80%

“NJ” = the statewide average approval rate for that loan type, for comparison.

Approval rate over time

66%74%82%90%98%94%100%71%70%77%72%72%2018201920212022202320242025

Pricing

Adjusting for its loan-type mix, Kind Lending, Llc’s rates ran -0.01 pp in line with than the typical New Jersey lender (average rate spread +0.45 pp above the market benchmark). Rate spread is APR minus the average prime offer rate; positive means costlier than the low-risk benchmark.

Who Kind Lending, Llc approves

By income
Under $50k70.3% · 37$50–75k66.0% · 50$75–100k70.8% · 137$100–150k74.6% · 370$150–250k72.6% · 336$250k+74.7% · 186
By debt-to-income
Under 36%75.3% · 24336–43%76.5% · 21743–50%77.1% · 446Over 50%59.1% · 220
By down payment (LTV)
20%+ down73.1% · 54310–20% down72.5% · 1785–10% down73.2% · 1643–5% down74.2% · 159Under 3% down60.8% · 51

Why Kind Lending, Llc denied applications

Unverifiable information41% of denialsOther29% of denialsInsufficient cash to close27% of denialsCollateral (value/type)19% of denialsIncomplete application6% of denialsCredit history5% of denials

Where Kind Lending, Llc lends in NJ

CountyDecisionsApproval
Bergen County13976.3%
Passaic County12070.8%
Ocean County11772.6%
Essex County11063.6%
Morris County9279.3%
Middlesex County8171.6%
Union County7677.6%
Monmouth County6680.3%

Fees & closing costs

Median total loan costs
$15,003
home purchase
As % of loan
3.25%
NJ median 1.93%
Priced originations
585
with fee data

Median lender and third-party costs (the Loan Estimate’s “total loan costs”) on Kind Lending, Llc’s home-purchase originations — 1.32 points higher than the 1.93% New Jersey median. Typical lender credit toward costs: $5,810. Excludes prepaid taxes/insurance and escrow deposits. Fees are reported on roughly two-thirds of originations (small lenders are exempt). Methodology →

Compare Kind Lending, Llc to other lenders for your profile

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Source: CFPB HMDA loan-level data, 2018–2025 · first-lien, closed-end mortgages on 1–4 family homes in New Jersey reported by Kind Lending, Llc (LEI 549300MZ8VZJOVC63092). Rates describe past reported outcomes for the lender’s applicant pool and are not a prediction for any individual. Methodology →