Kbhs Home Loans Mortgage Rates, Fees & Info

DOVER, DE

LEI: 5493002QI2ILHHZH8D20

Tax ID: 81-3798202

5 stars - Updated: 7/7/25 - out of 5 stars, based on 102 reviews

Latest/2024 | 2023 Data | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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  • SimulatedRates™
  • Mortgage Calculator

    • Mortgage Data

  • Originations
  • Relative Rates
  • Relative Fees
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Review & Overview

    Kbhs Home Loans is a mid-sized mortgage company specializing in Home Purchase loans. Kbhs Home Loans has a high proportion of conventional loans. They have a a high proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Riverside, Las Vegas, San Antonio, Phoenix, and Austin among others. We have data for 42 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Kbhs Home Loans has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Kbhs Home Loans is typically an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    30 Year Conventional Purchase 6.31% 7/7/25
    30 Year Conventional Refi 6.38% 7/7/25
    30 Year FHA Purchase 6.54% 7/7/25
    30 Year FHA Refi 5.75% 7/7/25
    30 Year VA Purchase 5.78% 7/7/25
    30 Year VA Refi 6.72% 7/7/25
    30 Year USDA Purchase 6.14% 7/7/25
    15 Year Conventional Purchase 5.41% 7/7/25
    15 Year VA Purchase 4.06% 7/7/25
    These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

    Kbhs Home Loans Mortgage Calculator






    Your Estimates

    Estimated Loan Payment: Update the calculator values and click calculate payment!

    This is not an official calculator from Kbhs Home Loans. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

    The default purchase price is the median sales price across the US for 2022Q4, per FRED.


    Originations

    10,309

    Origination Dollar Volume (All Markets)

    $4,103,845,000
    Show all (107) awards

    Relative Rate

    Kbhs Home Loans's average 30 year fixed mortgage rate was 5.92%.

    The 2024 average 30 year fixed rate mortgage across all markets and lenders was 6.55%.

    This yields a difference of -0.63%.

    Relative Fees (Closing Costs)

    Kbhs Home Loans's average total fees/closing costs for a 30 year fixed rate mortgage were $9,695.

    The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including both points & up-front fees in addition to origination fees) were $8,356.

    Top Markets

    Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

    Market Originations Total Value Average Loan Average Fees Average Rate
    RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 944 $478,920,000 $507,331 $14,112 5.88%
    LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 1,113 $453,885,000 $407,803 $7,078 5.82%
    SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 1,170 $339,630,000 $290,282 $6,761 5.77%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 768 $295,100,000 $384,245 $10,751 5.72%
    AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 792 $293,880,000 $371,061 $7,280 6.11%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 835 $230,495,000 $276,042 $7,558 6.20%
    SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 310 $151,630,000 $489,129 $12,986 6.20%
    JACKSONVILLE, FL (FHA|USDA|VA) 439 $146,195,000 $333,018 $8,395 5.83%
    Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 218 $133,970,000 $614,541 $12,719 6.25%
    SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 181 $123,595,000 $682,845 $12,218 5.95%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 315 $119,135,000 $378,206 $9,662 5.99%
    TUCSON, AZ (FHA|USDA|VA) 368 $119,100,000 $323,641 $10,044 5.45%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 198 $102,500,000 $517,677 $7,308 5.16%
    FRESNO, CA (FHA|USDA|VA) 230 $93,310,000 $405,696 $14,070 6.07%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 243 $89,435,000 $368,045 $9,939 5.87%
    Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 150 $87,550,000 $583,667 $14,265 6.12%
    RALEIGH-CARY, NC (FHA|USDA|VA) 230 $82,620,000 $359,217 $6,599 5.93%
    VALLEJO, CA (FHA|USDA|VA) 105 $65,475,000 $623,571 $17,149 5.96%
    San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 101 $63,735,000 $631,040 $20,464 5.81%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 183 $62,205,000 $339,918 $7,784 6.28%
    SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 87 $61,765,000 $709,943 $22,451 5.99%
    STOCKTON, CA (FHA|USDA|VA) 113 $60,785,000 $537,920 $15,156 6.19%
    PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 151 $55,125,000 $365,066 $8,518 6.22%
    LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 164 $50,600,000 $308,537 $9,591 6.01%
    CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 119 $47,535,000 $399,454 $8,501 6.07%
    MODESTO, CA (FHA|USDA|VA) 101 $47,075,000 $466,089 $14,310 5.93%
    YUBA CITY, CA (FHA|USDA|VA) 108 $43,490,000 $402,685 $11,718 5.83%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 118 $40,060,000 $339,492 $9,614 5.87%
    DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 85 $30,285,000 $356,294 $5,747 6.00%
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 87 $25,335,000 $291,207 $6,872 5.79%
    FAYETTEVILLE, NC (FHA|USDA|VA) 72 $23,510,000 $326,528 $7,415 5.82%
    GREELEY, CO (FHA|USDA|VA) 46 $22,680,000 $493,043 $5,916 5.29%
    BOISE CITY, ID (FHA|USDA|VA) 59 $21,705,000 $367,881 $11,922 5.91%
    KILLEEN-TEMPLE, TX (FHA|USDA|VA) 45 $13,085,000 $290,778 $6,830 5.87%
    MADERA, CA (FHA|USDA|VA) 27 $11,495,000 $425,741 $9,035 6.01%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 19 $7,665,000 $403,421 $8,247 6.51%
    SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 8 $6,470,000 $808,750 $9,453 6.54%
    OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 2 $1,130,000 $565,000 $16,230 5.81%
    BURLINGTON, NC (FHA|USDA|VA) 2 $650,000 $325,000 $6,717 5.88%
    Gainesville, TX (FHA|USDA|VA) 1 $455,000 $455,000 $11,380 5.99%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 1 $345,000 $345,000 $9,396 5.88%
    HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 1 $235,000 $235,000 $8,121 5.50%
    Kbhs Home Loans's top markets include Riverside, Las Vegas, San Antonio, Phoenix, and Austin among others.

    Their top states include:
  • California (FHA|USDA|VA)
  • Texas (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Nevada (FHA|USDA|VA)
  • Arizona (FHA|USDA|VA)

    • Similar Lenders

    We use machine learning to identify the top lenders compared against KBHS HOME LOANS based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    CALIFORNIA CREDIT UNION
    Similarity Rank: 72
    MYPOINT Credit Union
    Similarity Rank: 81
    SAN ANTONIO CITIZENS
    Similarity Rank: 156
    SAN DIEGO COUNTY CREDIT UNION
    Similarity Rank: 184
    MISSION
    Similarity Rank: 205
    Sierra Central Credit Union
    Similarity Rank: 210
    SMART CHOICE MORTGAGE, A TEXAS LIMITED LIABILITY C
    Similarity Rank: 237
    SAN FRANCISCO FEDERAL CREDIT UNION
    Similarity Rank: 336
    Suncoast Credit Union
    Similarity Rank: 432
    PIMA Federal Credit Union
    Similarity Rank: 440

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 5,405 $2,102,035,000 $388,906 $7,230 6.07%
    FHA 3,632 $1,470,710,000 $404,931 $13,951 5.76%
    VA 1,261 $527,725,000 $418,497 $7,406 5.69%
    USDA 11 $3,375,000 $306,818 $8,170 5.59%

    For 2024, Kbhs Home Loans's most frequently originated type of loan was Conventional, with 5,405 originations. Their 2nd most popular type was FHA, with 3,632 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 10,306 $4,102,830,000 $398,101 $9,643 5.91%
    Refi 3 $1,015,000 $338,333 $9,216 6.13%

    For 2024, Kbhs Home Loans's most frequently cited loan purpose was Home Purchase, with 10,306 originations. The 2nd most popular reason was Refi, with 3 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 10,119 $4,050,105,000 $400,248 $9,695 5.92%
    15 Year 163 $46,785,000 $287,025 $6,632 5.31%
    10 Year 14 $2,690,000 $192,143 $5,352 5.41%
    20 Year 12 $4,010,000 $334,167 $7,643 6.10%
    Other 1 $255,000 $255,000 $7,868 5.75%

    For 2024, Kbhs Home Loans's most frequently cited loan duration was 30 Year, with 10,119 originations. The 2nd most popular length was 15 Year, with 163 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 5,007 $1,902,785,000 $380,025
    $5k+ 2,148 $1,050,820,000 $489,209
    $<1k 889 $301,595,000 $339,252
    $2k-3k 859 $330,415,000 $384,651
    $3k-4k 610 $220,470,000 $361,426
    $4k-5k 491 $189,225,000 $385,387

    Kbhs Home Loans's average total fees were $9,695, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 5,007 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    5-6% 5,233 $2,069,675,000 $395,504
    6-7% 3,502 $1,440,830,000 $411,431
    4-5% 969 $383,955,000 $396,238
    7-8% 511 $200,115,000 $391,614
    <2.5% 71 $2,165,000 $30,493
    3-4% 12 $3,650,000 $304,167
    Over 8% 11 $3,455,000 $314,091

    During 2024, Kbhs Home Loans's average interest rate for loans was 5.92%, while their most frequently originated rate bucket for loans was 5-6%, with 5,233 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 5,224 $1,643,400,000 $314,587 $7,785 5.96%
    $400k-600k 3,619 $1,730,385,000 $478,139 $11,130 5.94%
    $600k-1MM 916 $631,300,000 $689,192 $16,430 5.99%
    $100k-200k 405 $62,225,000 $153,642 $4,311 5.69%
    $100,000 or less 116 $4,900,000 $42,241 $3,234 3.01%
    $1MM+ 29 $31,635,000 $1,090,862 $13,633 6.33%

    2024 saw Kbhs Home Loans place emphasis on $200k-400k loans with 5,224 originations, totaling $1,643,400,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 3,884 $1,560,810,000 $401,856 $10,060 5.86%
    $150k-250k 2,530 $1,218,110,000 $481,466 $11,037 6.05%
    $75k-100k 2,074 $695,010,000 $335,106 $8,528 5.80%
    $50k-75k 1,053 $283,395,000 $269,131 $7,194 5.76%
    $250k+ 633 $323,125,000 $510,466 $10,276 6.32%
    $50k or less 120 $19,440,000 $162,000 $4,640 5.65%

    Kbhs Home Loans lent most frequently to those with incomes in the $100k-150k range, with 3,884 originations. The second most popular income band? $150k-250k, with 2,530 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    50-60% 1,734 $730,030,000 $421,009 $12,980 5.74%
    30-36% 1,339 $519,715,000 $388,137 $8,408 5.98%
    20-30% 1,102 $394,130,000 $357,650 $7,138 5.97%
    49% 706 $287,740,000 $407,564 $9,409 5.95%
    48% 487 $201,755,000 $414,281 $10,566 5.94%
    47% 453 $188,585,000 $416,302 $10,537 5.91%
    44% 448 $184,420,000 $411,652 $9,366 5.93%
    46% 446 $179,460,000 $402,377 $9,763 5.90%
    45% 426 $170,990,000 $401,385 $9,427 5.94%
    43% 424 $169,910,000 $400,731 $9,250 5.97%
    41% 395 $160,095,000 $405,304 $9,136 5.94%
    40% 381 $155,885,000 $409,147 $9,635 5.94%
    42% 368 $152,070,000 $413,234 $9,891 5.92%
    39% 357 $140,315,000 $393,039 $8,985 6.02%
    38% 310 $123,250,000 $397,581 $9,057 6.01%
    36% 299 $119,135,000 $398,445 $8,573 5.99%
    37% 288 $118,410,000 $411,146 $8,904 5.99%
    <20% 260 $71,440,000 $274,769 $5,819 5.63%
    >60% 71 $32,555,000 $458,521 $10,216 5.71%

    Kbhs Home Loans lent most frequently to those with DTI ratios of 50-60%, with 1,734 originations. The next most common DTI ratio? 30-36%, with 1,339 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 4,865 $1,827,245,000 $375,590 $9,119 5.87%
    Asian 1,703 $745,545,000 $437,783 $9,660 6.03%
    Not provided 1,731 $698,735,000 $403,660 $10,456 5.88%
    Black 1,062 $410,570,000 $386,601 $10,094 5.90%
    Asian Indian 337 $156,005,000 $462,923 $9,597 6.15%
    Filipino 168 $83,370,000 $496,250 $12,678 5.96%
    American Indian 178 $68,450,000 $384,551 $10,374 5.84%
    Other Asian 89 $37,965,000 $426,573 $9,962 6.02%
    Chinese 56 $23,030,000 $411,250 $8,363 6.12%
    Native Hawaiian or Islander 37 $15,655,000 $423,108 $10,645 5.84%
    Vietnamese 27 $11,445,000 $423,889 $10,795 5.92%
    Korean 20 $9,450,000 $472,500 $9,347 5.84%
    Other Pacific Islander 14 $5,630,000 $402,143 $13,655 5.64%
    Japanese 11 $5,215,000 $474,091 $9,191 5.96%
    Guamanian 5 $2,505,000 $501,000 $7,121 5.50%
    Samoan 3 $1,595,000 $531,667 $6,108 5.83%
    Native Hawaiian 3 $1,435,000 $478,333 $10,795 5.38%

    Approval Rates

    Total approvals of all applications
    93.96%

    Kbhs Home Loans has an average approval rate.

    Pick Rate

    Approvals leading to origination
    69.22%

    Kbhs Home Loans has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 10,309 $4,103,845,000 $398,084

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    10,309 $4,103,845,000 $398,084

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 296 $50,550,000 $170,777 $4,972 5.68%
    40-60% 575 $156,395,000 $271,991 $6,132 5.93%
    60-80% 1,918 $756,340,000 $394,338 $7,260 6.12%
    80-100% 7,015 $2,969,175,000 $423,261 $10,491 5.93%
    Over 100% 387 $165,165,000 $426,783 $13,757 5.66%
    Under 20% 118 $6,220,000 $52,712 $4,852 2.95%