Kind Lending

What Kind Lending does

Kind Lending is a national, non-bank mortgage lender operating as Kind Lending, LLC from its headquarters at 1920 Main Street, Suite 1200, Irvine, California. Founded around 2019 by industry veteran Glenn Stearns, the company originates home loans through three primary distribution channels: direct-to-consumer retail (via apply.kindloans.com and a loan officer finder), wholesale/TPO broker lending (via the KindTPO sub-brand and the proprietary Kwikie portal), and a builder services program for real estate developers. It is licensed as a mortgage lender across approximately 48 U.S. states (NMLS #3925), is an FHA Approved Lending Institution, and holds multiple state-specific lending and servicer licenses in California, Arizona, Hawaii, New Jersey, and Massachusetts.

The company's product portfolio is comprehensive and spans conventional agency loans (Fannie Mae/Freddie Mac), FHA, VA (up to $2 million), USDA, Non-QM/Spark Non-QM (including 1-year self-employed, DSCR, and no-prepay variants), Jumbo loans up to $3 million, HELOC Standalone, a National DPA (100% FHA down payment assistance in 48 states), CalHFA programs, No-FICO manual underwriting, and rate buydown options. Core proprietary technology consists of the Kwikie broker portal — a 24/7 platform for rate locking, forward locking, manual downgrades, and real-time pricing — and a January 2026 partnership with CANDID to consolidate fragmented operational tools into a unified ecosystem. The company cites an average processing time of 21 days from submission to cleared-to-close, more than twice as fast as the 44-day industry average.

Kind Lending makes money primarily through transaction fees on originated mortgage loans (origination and underwriting fees collected at closing) and secondarily through interest income/spread on held mortgages and potential loan servicing rights,. Customer segments are bifurcated: end consumers (individual homebuyers, first-time buyers, jumbo borrowers, self-employed borrowers, government-loan-eligible borrowers, and non-traditional credit profiles) on the retail side, and independent mortgage brokerages on the wholesale TPO side. The company is privately held and founder-controlled, with no disclosed institutional funding rounds or M&A activity in the input data. Notable recent leadership changes include the appointment of Brett Stubbs as CFO (October 2025), the elevation of Jenn Folk from COO to President, and Delfino Aguilar's expansion to Chief Production Officer (January 2026), alongside co-founder Yvonne Ketchum's transition to President Emeritus.

Name

Kind Lending

Legal name

Kind Lending, LLC

Website

https://kindlending.com

Company type

Private

Founded year

2019

Operating status

Operating

Headcount range

51–100 employees

Short description

Kind Lending is a national non-bank mortgage lender offering conventional, government, jumbo, and non-QM home loans through retail, wholesale (Kwikie broker portal), and builder channels across 48+ U.S. states from its Irvine, California headquarters.

Ownership category

akta.pro rank

Product category

Residential Mortgage Lending

NAICS

Real Estate Credit (522292)

SIC

Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Renovation Mortgage Origination (FHA 203(k), HomeStyle, CHOICERenovation) (FSALAAAL)

akta.pro secondary industries

Government Wholesale Lending (FHA/VA/USDA) (FSALACAE), HELOC & Second-Lien Wholesale Lending (FSALACAG), Closed-End Home Equity Loans (Second Mortgages) (FSALAGAA), Hard Money & Private Mortgage Lending Intermediation (FSAEAEAH)

Keywords

• Mortgage lending
• Home loan products
• Wholesale mortgage
• Non-QM loans
• TPO broker services

Headquarters

HQ city

Irvine

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Mortgage Loan Origination: Revenue generated from originating mortgage loans for homebuyers. Fees include origination fees, underwriting fees, and other loan-related charges collected at closing.
2. Interest Income / Loan Servicing: Earnings from the interest rate spread on held mortgages and potential loan servicing rights.

Go-to-market motion3 records

Distribution channels3 records

Marketing channels5 records

Core offering

Kind Lending is a national mortgage lender that originates and funds home loans through retail, wholesale, and TPO (Third Party Originator) channels. Its product suite spans Conventional, FHA, VA, USDA, Non-QM, Jumbo (up to $3M), HELOC, Down Payment Assistance, and California-specific agency programs. Mortgage brokers access pricing, rate locks, and loan submission through the proprietary Kwikie broker portal.

Product overview

Kind Lending is a national mortgage lending company offering a comprehensive suite of loan products and services through multiple channels. The core platform operates alongside the Kwikie broker portal for wholesale/TPO operations. The product portfolio includes Conventional loans (Fannie Mae & Freddie Mac), FHA loans, VA loans, USDA loans, Non-QM/Spark Non-QM products for non-traditional borrowers, Jumbo loans up to $3 million, HELOC Standalone programs, National DPA (Down Payment Assistance), Non-Traditional/No FICO loans, CalHFA programs (California-specific), and Buydown Options. The company serves both direct consumers and mortgage brokers/partners through its retail and wholesale channels, with products designed to accommodate various borrower profiles including first-time homebuyers, self-employed individuals, retirees, and those with less-than-perfect credit.

Differentiator

Problem solved

Functional benefit

Brands

• KindTPO: Third-party originator (TPO) broker portal platform providing mortgage brokers access to Kind Lending's loan products and services.
• Kwikie

Products and services

• Kind Lending (Core Mortgage Platform) National mortgage lending platform offering home purchase and refinance loans through direct (retail) and broker (wholesale/TPO) channels with dedicated loan officers and online application tools.
• Kwikie Broker Portal 24/7 online broker portal for mortgage brokers and partners to access loan pricing, lock rates (including forward locks up to 120 days), handle manual downgrades, and submit applications for Kind Lending's loan products.
• Conventional Loans Fannie Mae and Freddie Mac conforming mortgage loans for borrowers with solid credit, offering 3% down options, 10-30 year fixed-rate terms, and 5/6 and 7/6 ARM products.
• FHA Loans Federal Housing Administration insured loans for first-time homebuyers and credit-challenged borrowers, featuring 3.5% down payments, minimum 580 FICO, streamline refinance, and high-balance options.
• VA Loans Veterans Affairs loans for qualified military veterans, active service members, surviving spouses, and some reservists, with loan amounts up to $2,000,000, minimum 580 FICO, no down payment with full entitlement, and no mortgage insurance.
• USDA Loans Rural development loans for borrowers in designated rural areas who meet income requirements, featuring no down payment, easier credit qualifying guidelines, and 30-year fixed-rate terms.
• Kind Non-QM / Spark Non-QM Loans Non-Qualified Mortgage products for retirees, self-employed individuals, real estate investors, and borrowers with high DTI or imperfect credit, including 1-Year Self-Employed, Alt Doc, DSCR, and No Prepay programs.
• Jumbo Loans Large mortgage loans up to $3 million for high-value properties, with minimum 660 FICO, 15- and 30-year fixed terms, 7/6 and 10/6 ARM options, jumbo AUS, and cash-out options.
• HELOC Standalone Home Equity Line of Credit program with maximum loan amount of $350,000, minimum 640 FICO, CLTV/HCLTV up to 85%, and interest-only during the draw period for debt consolidation or home renovations.
• National Down Payment Assistance (DPA) FHA 100% Down Payment Assistance Program available in 48 states, with minimum 600 FICO, 100% FHA DPA for purchases, first-lien FHA 30-year fixed up to 96.5% LTV, and manufactured home eligibility.
• Non-Traditional / No FICO Loans Manual underwriting loans for borrowers without established or limited credit histories, featuring no-FICO options, non-traditional credit acceptance, high-LTV/CLTV purchase loans, and minimal overlays.
• CalHFA Programs California Housing Finance Agency programs including CalHFA Conventional, CalHFA Government (FHA and USDA), CalHFA MyHome, CalPLUS, and ZIP programs serving California homebuyers.

Quantifiable outcome

• Average processing time of 21 days from submission to cleared-to-close, more than twice as fast as industry average of 44 days
• +1 more outcomes

Segments5 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

One partnership is on record.

• CANDIDcoreTechnology or Integration · 6 January 2026Kind Lending partnered with CANDID to modernize its operational infrastructure by adopting CANDID's unified ecosystem. The partnership aims to eliminate fragmented legacy technology and 'tech debt' that has hindered the mortgage sector, consolidating multiple disconnected tools into a single streamlined system. The collaboration focuses on three pillars: Modernity at Scale, Strategic Consolidation, and Institutional Alignment, positioning Kind Lending as a new standard for tech-enabled lenders.

Scale indicators2 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• NewRez (Shellpoint Mortgage Servicing): National mortgage lender with retail and wholesale channels and a strong non-QM/specialty product set (e.g., NewRez Non-QM). Direct competitor to Kind Lending, particularly in the non-QM and HELOC segments.
• Guild Mortgage: Public, national retail mortgage lender focused on purchase business with a strong government loan program. Competes with Kind Lending in retail and government (FHA/VA) channels.
• loanDepot: National retail and wholesale mortgage lender offering conventional, government, and non-QM products across all 50 states. Highly comparable to Kind Lending's multi-channel, multi-product model.
• Homepoint (Homepoint Capital): Wholesale mortgage lender serving the broker channel with conventional and government products. Direct comparable to Kind Lending's Kwikie/TPO business and a key broker-share competitor.
• CrossCountry Mortgage: Privately held national mortgage lender with retail and wholesale channels and a diversified product suite. Comparable to Kind Lending in multi-channel origination and non-QM offering.
• United Wholesale Mortgage (UWM): The largest wholesale mortgage lender in the U.S. Direct competitor to Kind Lending's TPO/Kwikie broker channel, serving independent mortgage brokers with similar product breadth and broker-portal technology investments.
• New American Funding: National direct-to-consumer and wholesale mortgage lender offering conventional, government, and specialty products. Comparable to Kind Lending in product breadth and national licensing footprint.
• Paramount Equity (Paramount Residential Mortgage Group): National mortgage lender with multi-channel retail and wholesale operations. Comparable to Kind Lending in product diversification and broker-channel focus.
• Caliber Home Loans: National mortgage lender with retail, wholesale, and correspondent channels and a meaningful non-QM offering. Comparable to Kind Lending across multi-channel distribution and non-QM segment.

Broad incumbents

• Rocket Mortgage: The largest U.S. mortgage originator and a major direct-to-consumer lender. Competes with Kind Lending across retail, wholesale (Rocket Pro TPO), and government loan channels with substantially greater scale.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/KindLending
• YouTubeyoutube.com/c/KindLending
• Facebookfacebook.com/Kind-Lending-101373705446387
• LinkedInlinkedin.com/company/kindlending
• Instagraminstagram.com/KindLending

Compliance9 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Kind Lending