Kbhs Home Loans Mortgage Rates, Fees & Info
DOVER, DELEI: 5493002QI2ILHHZH8D20
Tax ID: 81-3798202
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Mortgage Data
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 an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Las Vegas, Riverside, Austin, Jacksonville, and San Antonio among others. We have data for 46 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 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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 6.60% | 5/28/23 |
| 30 Year Conventional Refi | 6.31% | 5/28/23 |
| 30 Year Cash-out Refi | 6.47% | 5/28/23 |
| 30 Year FHA Purchase | 7.60% | 5/28/23 |
| 30 Year VA Purchase | 6.34% | 5/28/23 |
| 30 Year VA Refi | 6.27% | 5/28/23 |
| 30 Year USDA Purchase | 7.02% | 5/28/23 |
| 15 Year Conventional Purchase | 6.15% | 5/28/23 |
| 15 Year FHA Purchase | 6.35% | 5/28/23 |
| 15 Year VA Purchase | 6.12% | 5/28/23 |
| 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
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This is not an official calculator from Kbhs Home Loans. It uses our SimulatedRate™
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
8,597Origination Dollar Volume (All Markets)
$3,344,775,000Awards
KBHS HOME LOANS - 2022
KBHS HOME LOANS is a 2022 , due to their low .
For 2022, less than of lenders were eligible for this award.
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Relative Rate
Kbhs Home Loans's average 30 year fixed mortgage rate was
4.6%.
The 2022 average 30 year fixed rate mortgage across all markets and lenders was 4.76%.
This yields a difference of -0.16%.
Relative Fees (Closing Costs)
Kbhs Home Loans's average total fees/closing costs for a 30 year fixed rate
mortgage were $11,767.
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 |
|---|---|---|---|---|---|
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 1,036 | $397,100,000 | $383,301 | $9,811 | 4.62% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 658 | $335,430,000 | $509,772 | $13,680 | 4.37% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 742 | $255,800,000 | $344,744 | $10,394 | 4.61% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 802 | $232,370,000 | $289,738 | $12,630 | 4.54% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 696 | $213,650,000 | $306,968 | $11,206 | 4.70% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 373 | $183,175,000 | $491,086 | $13,988 | 4.53% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 240 | $165,110,000 | $687,958 | $14,628 | 4.14% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 655 | $164,455,000 | $251,076 | $11,050 | 4.33% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 291 | $141,825,000 | $487,371 | $10,260 | 4.24% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 377 | $123,455,000 | $327,467 | $9,181 | 4.50% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 360 | $114,720,000 | $318,667 | $13,105 | 4.67% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 154 | $114,140,000 | $741,169 | $18,200 | 4.80% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 291 | $97,635,000 | $335,515 | $12,117 | 4.65% |
| TUCSON, AZ (FHA|USDA|VA) | 304 | $91,100,000 | $299,671 | $10,750 | 4.54% |
| STOCKTON, CA (FHA|USDA|VA) | 177 | $86,505,000 | $488,729 | $15,483 | 4.71% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 178 | $67,380,000 | $378,539 | $10,044 | 4.58% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 103 | $66,935,000 | $649,854 | $16,237 | 4.66% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 110 | $63,370,000 | $576,091 | $10,286 | 4.57% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 149 | $55,675,000 | $373,658 | $8,276 | 4.70% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 60 | $39,740,000 | $662,333 | $14,758 | 4.42% |
| MODESTO, CA (FHA|USDA|VA) | 82 | $39,720,000 | $484,390 | $10,853 | 4.56% |
| FRESNO, CA (FHA|USDA|VA) | 90 | $37,930,000 | $421,444 | $11,986 | 4.73% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 91 | $30,715,000 | $337,527 | $11,222 | 4.63% |
| BOULDER, CO (FHA|USDA|VA) | 66 | $29,230,000 | $442,879 | $10,128 | 4.70% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 84 | $27,710,000 | $329,881 | $12,291 | 4.55% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 44 | $24,490,000 | $556,591 | $15,047 | 4.43% |
| GREELEY, CO (FHA|USDA|VA) | 52 | $22,960,000 | $441,538 | $8,909 | 4.41% |
| VALLEJO, CA (FHA|USDA|VA) | 36 | $18,930,000 | $525,833 | $13,555 | 4.64% |
| MADERA, CA (FHA|USDA|VA) | 49 | $16,795,000 | $342,755 | $11,823 | 4.30% |
| FORT COLLINS, CO (FHA|USDA|VA) | 40 | $15,570,000 | $389,250 | $9,592 | 4.73% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 19 | $11,875,000 | $625,000 | $13,236 | 4.32% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 36 | $10,650,000 | $295,833 | $10,295 | 4.71% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 29 | $10,635,000 | $366,724 | $7,128 | 5.07% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 27 | $9,135,000 | $338,333 | $12,086 | 4.51% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 22 | $7,510,000 | $341,364 | $9,037 | 5.10% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 23 | $6,775,000 | $294,565 | $8,885 | 3.77% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 28 | $5,460,000 | $195,000 | $9,141 | 4.55% |
| YUBA CITY, CA (FHA|USDA|VA) | 7 | $3,255,000 | $465,000 | $15,311 | 4.80% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 2 | $1,240,000 | $620,000 | $13,279 | 3.25% |
| BOISE CITY, ID (FHA|USDA|VA) | 3 | $1,185,000 | $395,000 | $14,782 | 5.58% |
| Outside of Metro Areas | 3 | $895,000 | $298,333 | $13,412 | 5.88% |
| RENO, NV (FHA|USDA|VA) | 2 | $700,000 | $350,000 | $4,325 | 3.88% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 1 | $535,000 | $535,000 | $6,877 | 3.75% |
| Aberdeen, WA (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $0 | 4.25% |
| SHERMAN-DENISON, TX (FHA|USDA|VA) | 3 | $475,000 | $158,333 | $12,507 | 3.83% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $4,146 | 3.38% |
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.
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Product Mix
For 2022, Kbhs Home Loans's most frequently originated type of loan was Conventional, with 5,814 originations. Their 2nd most popular type was FHA, with 1,701 originations.
Loan Reason
For 2022, Kbhs Home Loans's most frequently cited loan purpose was Home Purchase, with 8,586 originations. The 2nd most popular reason was Cash Out Refi, with 6 originations.
Loan Duration/Length
For 2022, Kbhs Home Loans's most frequently cited loan duration was 30 Year, with 8,311 originations. The 2nd most popular length was 15 Year, with 176 originations.
Origination Fees/Closing Costs
Kbhs Home Loans's average total fees were $11,767, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 4,003 originations.
Interest Rates
During 2022, Kbhs Home Loans's average interest rate for loans was 4.60%, while their most frequently originated rate bucket for loans was 4-5%, with 2,812 originations.
Loan Sizing
2022 saw Kbhs Home Loans place emphasis on $200k-400k loans with 4,752 originations, totaling $1,499,640,000 in origination value.
Applicant Income
Kbhs Home Loans lent most frequently to those with incomes in the $100k-150k range, with 2,865 originations. The second most popular income band? $75k-100k, with 1,977 originations.
Applicant Debt to Income Ratio
Kbhs Home Loans lent most frequently to those with DTI ratios of 30-36%, with 1,236 originations. The next most common DTI ratio? 20-30%, with 1,077 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications92.04%
Kbhs Home Loans has an average approval rate.
Pick Rate
Approvals leading to origination27.03%
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 | 8,597 | $3,344,775,000 | $389,063 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| 8,597 | $3,344,775,000 | $389,063 |