Purchase Originations
18,482
Ranked #23 nationally
Median Total Costs
$10,051
+50.5% vs national ($6,680)
↓ $212 vs prior year
Median Rate
6.500%
+0.1% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$2,880
Median Lender Credits
$1,697
Cost Rank (500+ vol.)
#547
among lenders with 500+ originations
Denial Rate
19.7%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 8,747 | 6.625% | $8,065 | $4,192 |
| fha | 6,903 | 6.250% | $12,744 | $2,465 |
| va | 2,358 | 6.125% | $7,486 | $1,221 |
| usda | 474 | 6.375% | $7,199 | $1,533 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| California | 3,743 | 6.375% | $12,521 | #9 |
| Texas | 2,570 | 6.375% | $10,446 | #19 |
| Florida | 1,683 | 6.500% | $11,912 | #25 |
| Utah | 1,465 | 6.250% | $9,073 | #5 |
| Georgia | 993 | 6.500% | $9,863 | #22 |
| Oregon | 576 | 6.500% | $9,246 | #17 |
| Pennsylvania | 541 | 6.500% | $8,299 | #41 |
| Alabama | 432 | 6.250% | $7,295 | #28 |
| Washington | 432 | 6.500% | $9,569 | #39 |
| Idaho | 402 | 6.375% | $9,167 | #11 |
| Tennessee | 385 | 6.375% | $9,122 | #45 |
| Colorado | 324 | 6.250% | $9,565 | #47 |
| Arizona | 321 | 6.500% | $10,978 | #56 |
| Virginia | 300 | 6.375% | $9,080 | #60 |
| Kentucky | 298 | 6.562% | $7,924 | #36 |
| New Jersey | 284 | 6.500% | $13,936 | #53 |
| Oklahoma | 273 | 6.500% | $7,737 | #26 |
| Illinois | 251 | 6.750% | $8,356 | #77 |
| Louisiana | 239 | 6.500% | $8,432 | #33 |
| Nevada | 238 | 6.500% | $10,813 | #32 |
| North Carolina | 236 | 6.625% | $8,243 | #99 |
| Montana | 206 | 6.500% | $7,338 | #11 |
| Minnesota | 204 | 6.500% | $8,575 | #61 |
| Michigan | 200 | 6.875% | $7,285 | #79 |
| Indiana | 197 | 6.500% | $6,280 | #84 |
| South Carolina | 192 | 6.500% | $9,560 | #78 |
| Maryland | 191 | 6.500% | $12,043 | #65 |
| New Mexico | 188 | 6.500% | $8,345 | #25 |
| Connecticut | 131 | 6.625% | $9,679 | #42 |
| Wisconsin | 109 | 6.875% | $5,900 | #87 |
| Ohio | 101 | 6.625% | $7,799 | #136 |
| Wyoming | 98 | 6.500% | $8,376 | #11 |
| Hawaii | 95 | 6.500% | $14,332 | #19 |
| Mississippi | 91 | 6.625% | $7,718 | #49 |
| Missouri | 75 | 6.625% | $6,657 | #119 |
| Arkansas | 71 | 6.500% | $6,420 | #78 |
| South Dakota | 68 | 6.250% | $7,587 | #25 |
| Alaska | 65 | 6.125% | $10,718 | #20 |
| Maine | 51 | 6.625% | $6,469 | #43 |
| Kansas | 42 | 6.500% | $8,248 | — |
| Nebraska | 31 | 6.500% | $8,253 | — |
| Iowa | 25 | 6.625% | $6,557 | — |
| Delaware | 22 | 6.625% | $11,052 | — |
| West Virginia | 19 | 6.125% | $7,675 | — |
| New Hampshire | 13 | 6.250% | $13,311 | — |
| District of Columbia | 4 | 6.625% | $10,682 | — |
| Rhode Island | 4 | 6.812% | $20,071 | — |
| North Dakota | 3 | 6.500% | $8,855 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $8,514 | 6.375% | — | 484 | −$1,537 | |
| 2 | $8,589 | 6.688% | — | 140 | −$1,462 | |
| 3 | $9,159 | 6.375% | — | 293 | −$892 | |
| 4 | $9,537 | 6.250% | — | 211 | −$514 | |
| 5 | $10,477 | 6.250% | — | 148 | +$426 | |
| 6 | $10,540 | 6.500% | — | 415 | +$489 | |
| 7 | $10,619 | 6.375% | — | 196 | +$568 | |
| 8 | $10,624 | 6.500% | — | 160 | +$573 | |
| 9 | $10,862 | 6.500% | — | 168 | +$811 | |
| 10 | $11,121 | 6.500% | — | 139 | +$1,070 | |
| 11 | $11,285 | 6.500% | — | 220 | +$1,234 | |
| 12 | $11,554 | 6.500% | — | 307 | +$1,503 | |
| 13 | $11,783 | 6.250% | — | 346 | +$1,732 | |
| 14 | $12,553 | 6.250% | — | 549 | +$2,502 | |
| 15 | $12,917 | 6.125% | — | 196 | +$2,866 | |
| 16 | $14,029 | 6.625% | — | 247 | +$3,978 | |
| 17 | $14,728 | 6.375% | — | 145 | +$4,677 | |
| 18 | $15,474 | 6.500% | — | 166 | +$5,423 | |
| 19 | $15,478 | 6.500% | — | 206 | +$5,427 | |
| 20 | $17,199 | 6.500% | — | 149 | +$7,148 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Kind Lending, LLC | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $375,000 | $335,000 | +$40,000 (+11.9%) |
| Median total closing costs | $10,051 | $7,127 | +$2,924 (+41.0%) |
Other high-volume lenders side-by-side.
Found your lender? Make sure their quote is fair.
HMDA data shows industry-wide medians. Your actual quote may differ. Upload your Closing Disclosure or Loan Estimate to see exactly where your fees stand — and get a ready-to-send negotiation email.
Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.