Kbhs Home Loans Mortgage Rates, Fees & Info
DOVER, DELEI: 5493002QI2ILHHZH8D20
Tax ID: 81-3798202
2021 Data | 2020 Data | 2019 Data | 2018 Data
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Mortgage Data
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 an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets include Riverside, Las Vegas, Austin, San Antonio, and Denver among others. Kbhs Home Loans has a below average approval rate for mortages when compared nationally. They have a below average pick rate when compared to the same sample of other lendors. Kbhs Home Loans is typically a high fee lendor.Originations
9,606Origination Dollar Volume (All Markets)
$3,233,020,000Awards
KBHS HOME LOANS - 2021
KBHS HOME LOANS is a 2021 , due to their low .
For 2021, less than of lenders were eligible for this award.
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Relative Rate
Kbhs Home Loans 's average 30 year fixed rate mortgage of loans were
3.05%.
The 2021 average 30 year fixed rate mortgage across all markets of loans were 3.15%.
This yields a difference of -0.1%.
Relative Fees
Kbhs Home Loans 's average total fees for a 30 year fixed rate
mortgage are $8,433.
The average total origination fees for 30 year fixed rate mortgages (for all loan values, including
both points & up-front fees in addition to origination fees) are $4,750.
Top Markets
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 837 | $370,915,000 | $443,148 | $9,801 | 2.80% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 1,082 | $367,110,000 | $339,288 | $7,439 | 3.00% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 903 | $235,975,000 | $261,323 | $7,688 | 2.89% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 917 | $235,875,000 | $257,225 | $7,914 | 3.12% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 512 | $208,630,000 | $407,480 | $6,871 | 2.85% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 724 | $178,750,000 | $246,892 | $9,037 | 3.02% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 269 | $169,325,000 | $629,461 | $10,370 | 2.91% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 345 | $154,565,000 | $448,014 | $8,986 | 3.02% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 763 | $149,615,000 | $196,088 | $8,130 | 2.68% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 186 | $140,630,000 | $756,075 | $8,701 | 2.95% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 445 | $127,845,000 | $287,292 | $8,481 | 3.26% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 410 | $101,930,000 | $248,610 | $7,619 | 2.78% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 165 | $101,085,000 | $612,636 | $9,212 | 2.88% |
| TUCSON, AZ (FHA|USDA|VA) | 323 | $66,885,000 | $207,074 | $9,128 | 2.48% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 240 | $64,500,000 | $268,750 | $8,438 | 3.27% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 102 | $62,030,000 | $608,137 | $9,756 | 2.90% |
| STOCKTON, CA (FHA|USDA|VA) | 146 | $60,080,000 | $411,507 | $9,298 | 2.87% |
| FRESNO, CA (FHA|USDA|VA) | 130 | $46,560,000 | $358,154 | $8,210 | 3.13% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 152 | $46,420,000 | $305,395 | $7,671 | 3.14% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 77 | $41,955,000 | $544,870 | $11,528 | 2.87% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 115 | $32,265,000 | $280,565 | $8,947 | 3.13% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 106 | $30,960,000 | $292,075 | $9,026 | 3.14% |
| MODESTO, CA (FHA|USDA|VA) | 76 | $29,330,000 | $385,921 | $9,426 | 2.86% |
| SALINAS, CA (FHA|USDA|VA) | 47 | $26,855,000 | $571,383 | $14,509 | 2.90% |
| MADERA, CA (FHA|USDA|VA) | 84 | $25,190,000 | $299,881 | $9,128 | 2.90% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 48 | $22,140,000 | $461,250 | $10,212 | 2.73% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 45 | $21,425,000 | $476,111 | $6,066 | 2.90% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 71 | $19,995,000 | $281,620 | $5,096 | 3.18% |
| GREELEY, CO (FHA|USDA|VA) | 39 | $15,485,000 | $397,051 | $7,384 | 2.80% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 44 | $12,040,000 | $273,636 | $7,518 | 3.28% |
| BOULDER, CO (FHA|USDA|VA) | 29 | $12,015,000 | $414,310 | $5,638 | 2.82% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 18 | $9,460,000 | $525,556 | $8,747 | 2.96% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 28 | $7,590,000 | $271,071 | $5,196 | 3.14% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 26 | $7,580,000 | $291,538 | $8,059 | 3.07% |
| FORT COLLINS, CO (FHA|USDA|VA) | 21 | $7,485,000 | $356,429 | $7,498 | 2.93% |
| VALLEJO, CA (FHA|USDA|VA) | 16 | $6,440,000 | $402,500 | $7,246 | 2.58% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 22 | $6,400,000 | $290,909 | $5,583 | 2.97% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 18 | $3,060,000 | $170,000 | $6,665 | 3.12% |
| RENO, NV (FHA|USDA|VA) | 4 | $1,610,000 | $402,500 | $5,694 | 3.12% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 6 | $1,360,000 | $226,667 | $6,401 | 3.19% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 4 | $980,000 | $245,000 | $6,124 | 3.34% |
| MERCED, CA (FHA|USDA|VA) | 4 | $860,000 | $215,000 | $10,548 | 2.00% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 1 | $555,000 | $555,000 | $3,818 | 3.63% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 3 | $405,000 | $135,000 | $6,954 | 2.38% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $3,568 | 3.25% |
| Outside of Metro Areas | 1 | $295,000 | $295,000 | $2,740 | 3.50% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $0 | 4.63% |
Kbhs Home Loans 's top markets include Riverside, Las Vegas, Austin, San Antonio, and Denver among others.
Product Mix
| Loan Type | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Conventional | 6,061 | $2,048,905,000 | $338,047 | $6,618 | 2.82% |
| FHA | 2,310 | $726,890,000 | $314,671 | $11,911 | 3.26% |
| VA | 1,124 | $427,780,000 | $380,587 | $9,292 | 2.91% |
| USDA | 111 | $29,445,000 | $265,270 | $8,622 | 3.04% |
For the 2021 period, Kbhs Home Loans 's most frequently originated loan type of loans were Conventional, with 6,061 originations. Their 2nd most popular type is FHA, with 2,310 originations.
Loan Reason
| Loan Reason | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Home Purchase | 9,548 | $3,208,560,000 | $336,045 | $8,396 | 2.94% |
| Refi | 35 | $16,125,000 | $460,714 | $4,648 | 3.03% |
| Cash Out Refi | 23 | $8,335,000 | $362,391 | $4,941 | 3.24% |
For the 2021, Kbhs Home Loans 's most frequently cited loan purpose of loans were Home Purchase, with 9,548 originations. The 2nd most popular reason of loans were Refi, with 35 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 30 Year | 9,072 | $3,166,620,000 | $349,054 | $8,433 | 3.05% |
| 3 Year | 276 | $2,380,000 | $8,623 | $0 | 0.00% |
| 15 Year | 186 | $48,180,000 | $259,032 | $5,732 | 2.42% |
| 20 Year | 44 | $12,650,000 | $287,500 | $6,971 | 2.81% |
| 10 Year | 11 | $1,705,000 | $155,000 | $4,540 | 2.45% |
| 5 Year | 9 | $65,000 | $7,222 | $0 | 0.00% |
| Other | 8 | $1,420,000 | $177,500 | $19,380 | 1.22% |
For the 2021, Kbhs Home Loans 's most frequently cited loan length of loans were 30 Year, with 9,072 originations. The 2nd most popular length of loans were 3 Year, with 276 originations.
Origination Fees
| Origination Fee | Originations | Total Value | Average Loan |
|---|---|---|---|
| $1k-2k | 4,404 | $1,565,690,000 | $355,515 |
| $3k-4k | 1,736 | $578,310,000 | $333,128 |
| $2k-3k | 1,167 | $391,225,000 | $335,240 |
| $5k+ | 1,164 | $480,770,000 | $413,033 |
| $<1k | 739 | $129,505,000 | $175,244 |
$8,433 of loans were Kbhs Home Loans 's average total fees, while their most frequently occuring range of origination fees were in the $1k-2k bucket, with 4,404 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 3-4% | 4,404 | $1,457,900,000 | $331,040 |
| 2.5-3% | 3,944 | $1,499,280,000 | $380,142 |
| <2.5% | 1,090 | $228,820,000 | $209,927 |
| 4-5% | 167 | $46,525,000 | $278,593 |
| 5-6% | 1 | $495,000 | $495,000 |
During 2021, Kbhs Home Loans 's average interest rate of loans were 3.05%, while their most frequently originated rate bucket of loans were 3-4%, with 4,404 originations.
Loan Sizing
| Loan Size | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| $200k-400k | 5,914 | $1,717,660,000 | $290,440 | $8,133 | 3.16% |
| $400k-600k | 2,086 | $999,810,000 | $479,295 | $8,982 | 2.97% |
| $100,000 or less | 558 | $8,520,000 | $15,269 | $4,307 | 0.36% |
| $600k-1MM | 538 | $389,860,000 | $724,647 | $10,694 | 2.93% |
| $100k-200k | 480 | $81,530,000 | $169,854 | $5,998 | 3.10% |
| $1MM+ | 30 | $35,640,000 | $1,188,000 | $11,806 | 2.73% |
2021 saw Kbhs Home Loans place emphasis on $200k-400k loans with 5,914 originations, totaling $1,717,660,000 in origination value.
Applicant Income
| Applicant Income | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| $100k-150k | 2,553 | $981,385,000 | $384,405 | $8,570 | 2.99% |
| $50k-75k | 2,523 | $648,865,000 | $257,180 | $8,264 | 2.87% |
| $75k-100k | 2,326 | $728,150,000 | $313,048 | $8,608 | 2.95% |
| $150k-250k | 1,208 | $571,590,000 | $473,171 | $8,167 | 3.01% |
| $50k or less | 651 | $128,275,000 | $197,043 | $7,547 | 2.76% |
| $250k+ | 345 | $174,755,000 | $506,536 | $8,251 | 3.10% |
Kbhs Home Loans lent most frequently to those with incomes in the $100k-150k range, with 2,553 originations. The second most popular income band? $50k-75k, with 2,523 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 30-36% | 1,554 | $542,530,000 | $349,118 | $7,635 | 3.00% |
| 20-30% | 1,381 | $459,725,000 | $332,893 | $7,081 | 2.94% |
| 50-60% | 989 | $342,125,000 | $345,930 | $11,427 | 3.12% |
| <20% | 548 | $82,570,000 | $150,675 | $6,379 | 1.52% |
| 44% | 493 | $172,405,000 | $349,706 | $8,596 | 3.05% |
| 43% | 454 | $157,780,000 | $347,533 | $8,229 | 3.07% |
| 42% | 392 | $145,790,000 | $371,913 | $8,722 | 3.11% |
| 40% | 384 | $129,970,000 | $338,464 | $8,104 | 3.01% |
| 39% | 377 | $133,585,000 | $354,337 | $8,237 | 3.00% |
| 49% | 373 | $135,715,000 | $363,847 | $8,576 | 3.11% |
| 41% | 363 | $131,975,000 | $363,567 | $8,160 | 3.02% |
| 38% | 340 | $119,530,000 | $351,559 | $8,235 | 3.05% |
| 48% | 340 | $116,200,000 | $341,765 | $8,956 | 3.10% |
| 36% | 325 | $113,155,000 | $348,169 | $8,068 | 2.93% |
| 47% | 320 | $115,360,000 | $360,500 | $8,414 | 3.02% |
| 37% | 308 | $107,690,000 | $349,643 | $7,726 | 3.07% |
| 45% | 299 | $104,255,000 | $348,679 | $8,691 | 3.07% |
| 46% | 294 | $100,500,000 | $341,837 | $8,782 | 3.10% |
| >60% | 44 | $17,750,000 | $403,409 | $10,340 | 2.80% |
Kbhs Home Loans lent most frequently to those with DTI ratios of 30-36%, with 1,554 originations. The next most common DTI ratio? 20-30%, with 1,381 originations.
Ethnicity Mix
| Applicant Ethnicity | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| White | 4,661 | $1,480,475,000 | $317,630 | $8,300 | 2.95% |
| Not provided | 2,021 | $679,995,000 | $336,465 | $8,491 | 2.92% |
| Asian | 1,348 | $537,480,000 | $398,724 | $7,757 | 2.95% |
| Black | 1,078 | $330,150,000 | $306,262 | $9,407 | 2.91% |
| Filipino | 130 | $58,550,000 | $450,385 | $9,142 | 2.99% |
| Asian Indian | 139 | $57,235,000 | $411,763 | $6,646 | 3.00% |
| American Indian | 60 | $20,120,000 | $335,333 | $8,256 | 2.81% |
| Chinese | 40 | $19,480,000 | $487,000 | $7,736 | 2.99% |
| Native Hawaiian | 37 | $14,345,000 | $387,703 | $8,551 | 3.07% |
| Other Asian | 34 | $11,700,000 | $344,118 | $7,091 | 3.12% |
| Japanese | 16 | $7,270,000 | $454,375 | $8,911 | 2.99% |
| Korean | 15 | $6,165,000 | $411,000 | $9,032 | 2.80% |
| Vietnamese | 15 | $6,105,000 | $407,000 | $8,800 | 3.00% |
| Guamanian | 5 | $1,865,000 | $373,000 | $4,972 | 3.15% |
| Other Pacific Islander | 6 | $1,540,000 | $256,667 | $6,539 | 2.81% |
| Samoan | 1 | $545,000 | $545,000 | $5,798 | 2.75% |
Approval Rates
Total approvals of all applications68.76%
Kbhs Home Loans has a low approval rate. They may have poor market targeting or stringent lending standards.
Pick Rate
Approvals leading to origination86.59%
Kbhs Home Loans has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 9,606 | $3,233,020,000 | $336,563 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| 9,606 | $3,233,020,000 | $336,563 |
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 20-40% | 101 | $15,495,000 | $153,416 | $5,217 | 2.86% |
| 40-60% | 299 | $86,565,000 | $289,515 | $6,189 | 2.92% |
| 60-80% | 1,569 | $593,025,000 | $377,964 | $6,882 | 3.06% |
| 80-100% | 6,660 | $2,359,740,000 | $354,315 | $8,415 | 3.13% |
| Over 100% | 436 | $170,550,000 | $391,170 | $14,693 | 2.90% |
| Under 20% | 541 | $7,645,000 | $14,131 | $4,726 | 0.27% |
Complaints
| Bank Name | Product | Issue | 2021 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| KBHS Home Loans, LLC | Conventional home mortgage | Applying for a mortgage or refinancing an existing mortgage | 1 | 50.0% |
| KBHS Home Loans, LLC | FHA mortgage | Closing on a mortgage | 1 | 50.0% |
