Kbhs Home Loans Mortgage Rates, Fees & Info

DOVER, DE

LEI: 5493002QI2ILHHZH8D20

Tax ID: 81-3798202

1.6 stars - out of 5 stars, based on 98 reviews

Latest/2021 | 2020 Data | 2019 Data | 2018 Data

Jump to:

Mortgage Data

  • SimulatedRates™
  • Review & Overview

    Kbhs Home Loans is a mid-sized mortgage company specializing in 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 by origination volume include: Riverside, Las Vegas, Austin, San Antonio, and Denver among others. We have data for 47 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Kbhs Home Loans has an 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 a high 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 6.76% 12/4/22
    30 Year Conventional Refi 6.80% 12/4/22
    30 Year Cash-out Refi 6.99% 12/4/22
    30 Year FHA Purchase 7.95% 12/4/22
    30 Year FHA Refi 6.58% 12/4/22
    30 Year VA Purchase 6.68% 12/4/22
    30 Year VA Refi 6.58% 12/4/22
    30 Year USDA Purchase 7.22% 12/4/22
    15 Year Conventional Purchase 5.98% 12/4/22
    15 Year Conventional Refi 6.00% 12/4/22
    15 Year Cash-out Refi 6.00% 12/4/22
    15 Year FHA Purchase 5.76% 12/4/22
    15 Year VA Purchase 6.48% 12/4/22
    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.


    Originations

    9,606

    Origination Dollar Volume (All Markets)

    $3,233,020,000

    Awards

    KBHS HOME LOANS 30 Year Conventional Loans silver KBHS HOME LOANS 30 Year Conventional Loans silver KBHS HOME LOANS 30 Year Conventional Loans bronze
    Show all (3) awards

    Relative Rate

    Kbhs Home Loans's average 30 year fixed mortgage rate was 3.05%.

    The 2021 average 30 year fixed rate mortgage across all markets and lenders was 3.15%.

    This yields a difference of -0.1%.

    Relative Fees (Closing Costs)

    Kbhs Home Loans's average total fees/closing costs for a 30 year fixed rate mortgage were $8,433.

    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 $4,750.

    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) 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.

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

    Monterey Credit Union
    Similarity Rank: 63
    First Credit Union
    Similarity Rank: 180
    AAXY L.L.C.
    Similarity Rank: 486
    ARIZONA CENTRAL
    Similarity Rank: 506
    PIMA Federal Credit Union
    Similarity Rank: 549
    El Dorado Savings Bank, F.S.B.
    Similarity Rank: 624
    CAPITAL PLUS FINANCIAL, LLC
    Similarity Rank: 666
    OneAZ Credit Union
    Similarity Rank: 888
    MYPOINT Credit Union
    Similarity Rank: 924

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. 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 2021, Kbhs Home Loans's most frequently originated type of loan was Conventional, with 6,061 originations. Their 2nd most popular type was FHA, with 2,310 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. 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 2021, Kbhs Home Loans's most frequently cited loan purpose was Home Purchase, with 9,548 originations. The 2nd most popular reason was 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 2021, Kbhs Home Loans's most frequently cited loan duration was 30 Year, with 9,072 originations. The 2nd most popular length was 3 Year, with 276 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 4,404 $1,565,690,000 $355,515
    $2k-3k 1,167 $391,225,000 $335,240
    $5k+ 1,164 $480,770,000 $413,033
    $3k-4k 1,033 $338,915,000 $328,088
    $<1k 739 $129,505,000 $175,244
    $4k-5k 703 $239,395,000 $340,533

    Kbhs Home Loans's average total fees were $8,433, while their most frequently occuring range of origination fees (closing costs) 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 for loans was 3.05%, while their most frequently originated rate bucket for loans was 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 or Islander 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 applications
    73.33%

    Kbhs Home Loans has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    85.71%

    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%