Kbhs Home Loans Mortgage Rates, Fees & Info

DOVER, DE

LEI: 5493002QI2ILHHZH8D20

Tax ID: 81-3798202

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

Jump to:

  • SimulatedRates™
  • Mortgage Calculator

    • Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Complaints
  • 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 small 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: Houston, San Antonio, Austin, Denver, and Las Vegas among others. We have data for 39 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Kbhs Home Loans has a below 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.

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    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    30 Year Conventional Purchase 6.60% 11/17/24
    30 Year Conventional Refi 6.31% 11/17/24
    30 Year Cash-out Refi 6.47% 11/17/24
    30 Year FHA Purchase 7.60% 11/17/24
    30 Year VA Purchase 6.34% 11/17/24
    30 Year VA Refi 6.27% 11/17/24
    30 Year USDA Purchase 7.02% 11/17/24
    15 Year Conventional Purchase 6.15% 11/17/24
    15 Year FHA Purchase 6.35% 11/17/24
    15 Year VA Purchase 6.12% 11/17/24
    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

    5,222

    Origination Dollar Volume (All Markets)

    $1,439,240,000

    Awards

    KBHS HOME LOANS 30 Year Conventional Loans silver
    Show all (1) awards

    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
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 705 $153,195,000 $217,298 $8,510 4.97%
    SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 622 $139,710,000 $224,614 $7,964 4.77%
    AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 553 $138,885,000 $251,148 $7,389 4.64%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 337 $125,515,000 $372,448 $6,323 4.65%
    LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 427 $122,095,000 $285,937 $6,781 4.83%
    JACKSONVILLE, FL (FHA|USDA|VA) 490 $119,200,000 $243,265 $7,968 4.68%
    RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 300 $107,130,000 $357,100 $8,392 4.75%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 326 $73,250,000 $224,693 $6,523 4.85%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 258 $68,420,000 $265,194 $7,626 4.86%
    SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 99 $55,825,000 $563,889 $12,169 4.49%
    SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 143 $51,075,000 $357,168 $6,833 4.90%
    TUCSON, AZ (FHA|USDA|VA) 189 $42,965,000 $227,328 $7,847 4.78%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 166 $39,160,000 $235,904 $7,092 4.87%
    Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 73 $35,745,000 $489,658 $9,193 4.68%
    STOCKTON, CA (FHA|USDA|VA) 96 $33,010,000 $343,854 $8,591 4.90%
    BOULDER, CO (FHA|USDA|VA) 48 $23,200,000 $483,333 $7,001 4.64%
    RALEIGH-CARY, NC (FHA|USDA|VA) 78 $20,510,000 $262,949 $4,386 4.61%
    San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 29 $14,945,000 $515,345 $9,463 4.76%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 52 $12,750,000 $245,192 $6,938 4.77%
    LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 52 $10,350,000 $199,038 $7,222 5.03%
    OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 22 $9,970,000 $453,182 $8,521 4.69%
    PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 34 $8,640,000 $254,118 $6,586 4.78%
    FRESNO, CA (FHA|USDA|VA) 26 $7,080,000 $272,308 $8,213 4.77%
    PORT ST. LUCIE, FL (FHA|USDA|VA) 25 $5,265,000 $210,600 $7,704 4.77%
    GREELEY, CO (FHA|USDA|VA) 12 $4,480,000 $373,333 $4,350 4.52%
    SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 5 $3,545,000 $709,000 $8,556 4.83%
    PUNTA GORDA, FL (FHA|USDA|VA) 17 $3,025,000 $177,941 $5,840 4.75%
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 7 $1,885,000 $269,286 $7,882 4.61%
    SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 3 $1,665,000 $555,000 $13,046 4.92%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 6 $1,390,000 $231,667 $6,985 4.63%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 5 $1,195,000 $239,000 $5,172 5.00%
    MODESTO, CA (FHA|USDA|VA) 4 $1,190,000 $297,500 $7,650 5.09%
    YUBA CITY, CA (FHA|USDA|VA) 3 $935,000 $311,667 $7,264 5.17%
    KILLEEN-TEMPLE, TX (FHA|USDA|VA) 5 $845,000 $169,000 $4,624 4.70%
    FORT COLLINS, CO (FHA|USDA|VA) 1 $355,000 $355,000 $3,525 5.13%
    Nacogdoches, TX (FHA|USDA|VA) 1 $345,000 $345,000 $6,611 4.99%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 1 $195,000 $195,000 $7,816 4.50%
    BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 1 $195,000 $195,000 $4,979 4.50%
    PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 1 $105,000 $105,000 $3,101 4.50%
    Kbhs Home Loans's top markets include Houston, San Antonio, Austin, Denver, and Las Vegas among others.

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

    SANTA CLARA COUNTY
    Similarity Rank: 20
    MYPOINT Credit Union
    Similarity Rank: 55
    FRONTWAVE
    Similarity Rank: 84
    SOUTHERN LENDING SERVICES, LTD.
    Similarity Rank: 86
    American Interbanc Mortgage
    Similarity Rank: 112
    MISSION
    Similarity Rank: 168
    Sierra Central Credit Union
    Similarity Rank: 192
    El Dorado Savings Bank, F.S.B.
    Similarity Rank: 216
    Cabrillo Credit Union
    Similarity Rank: 248
    Sno Falls Credit Union
    Similarity Rank: 309

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 2,982 $821,610,000 $275,523 $6,091 4.76%
    FHA 1,388 $365,280,000 $263,170 $10,618 4.93%
    VA 786 $237,440,000 $302,087 $10,996 4.60%
    USDA 66 $14,910,000 $225,909 $0 4.64%

    For 2018, Kbhs Home Loans's most frequently originated type of loan was Conventional, with 2,982 originations. Their 2nd most popular type was FHA, with 1,388 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 5,210 $1,436,120,000 $275,647 $7,618 4.78%
    Cash Out Refi 11 $3,025,000 $275,000 $5,439 4.98%
    Home Improvement 1 $95,000 $95,000 $4,955 5.13%

    For 2018, Kbhs Home Loans's most frequently cited loan purpose was Home Purchase, with 5,210 originations. The 2nd most popular reason was Cash Out Refi, with 11 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 5,029 $1,405,755,000 $279,530 $7,677 4.80%
    15 Year 115 $24,025,000 $208,913 $5,796 4.12%
    20 Year 35 $7,635,000 $218,143 $5,657 4.53%
    3 Year 32 $270,000 $8,438 $0 0.00%
    Other 5 $1,285,000 $257,000 $8,707 4.70%
    5 Year 4 $60,000 $15,000 $0 0.00%
    10 Year 2 $210,000 $105,000 $4,638 3.88%

    For 2018, Kbhs Home Loans's most frequently cited loan duration was 30 Year, with 5,029 originations. The 2nd most popular length was 15 Year, with 115 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 1,759 $475,405,000 $270,270
    $2k-3k 778 $199,890,000 $256,928
    $<1k 710 $198,750,000 $279,930
    $3k-4k 656 $177,240,000 $270,183
    $5k+ 547 $182,135,000 $332,971
    $4k-5k 399 $115,885,000 $290,439

    Kbhs Home Loans's average total fees were $7,677, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 1,759 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 3,851 $1,085,765,000 $281,944
    5-6% 1,013 $265,865,000 $262,453
    3-4% 269 $76,695,000 $285,112
    6-7% 43 $10,535,000 $245,000

    During 2018, Kbhs Home Loans's average interest rate for loans was 4.80%, while their most frequently originated rate bucket for loans was 4-5%, with 3,851 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 3,686 $994,890,000 $269,910 $7,856 4.80%
    $100k-200k 834 $143,050,000 $171,523 $6,276 4.78%
    $400k-600k 497 $230,185,000 $463,149 $8,017 4.71%
    $100,000 or less 106 $5,190,000 $48,962 $4,413 4.63%
    $600k-1MM 97 $63,845,000 $658,196 $13,412 4.55%
    $1MM+ 2 $2,080,000 $1,040,000 $0 4.44%

    2018 saw Kbhs Home Loans place emphasis on $200k-400k loans with 3,686 originations, totaling $994,890,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 1,508 $348,730,000 $231,253 $7,520 4.80%
    $100k-150k 1,398 $438,720,000 $313,820 $7,789 4.76%
    $75k-100k 1,350 $358,550,000 $265,593 $7,866 4.80%
    $150k-250k 510 $191,340,000 $375,176 $7,662 4.75%
    $50k or less 352 $61,540,000 $174,830 $6,330 4.72%
    $250k+ 104 $40,360,000 $388,077 $7,467 4.87%

    Kbhs Home Loans lent most frequently to those with incomes in the $50k-75k range, with 1,508 originations. The second most popular income band? $100k-150k, with 1,398 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    30-36% 771 $206,965,000 $268,437 $7,123 4.73%
    50-60% 722 $204,170,000 $282,784 $10,751 4.83%
    20-30% 604 $160,420,000 $265,596 $6,255 4.67%
    49% 327 $90,345,000 $276,284 $7,565 4.77%
    45% 257 $69,835,000 $271,732 $7,444 4.81%
    48% 243 $71,615,000 $294,712 $7,785 4.81%
    44% 226 $62,800,000 $277,876 $7,490 4.83%
    47% 223 $60,835,000 $272,803 $7,679 4.79%
    43% 218 $62,740,000 $287,798 $7,510 4.87%
    42% 207 $59,235,000 $286,159 $7,398 4.80%
    39% 204 $57,910,000 $283,873 $7,246 4.78%
    40% 185 $52,185,000 $282,081 $7,329 4.90%
    41% 183 $51,625,000 $282,104 $7,623 4.83%
    46% 179 $51,635,000 $288,464 $7,238 4.78%
    37% 171 $47,915,000 $280,205 $6,719 4.83%
    38% 169 $46,595,000 $275,710 $7,439 4.84%
    36% 162 $45,240,000 $279,259 $7,380 4.77%
    <20% 131 $23,535,000 $179,656 $5,605 4.57%
    >60% 40 $13,640,000 $341,000 $0 4.55%

    Kbhs Home Loans lent most frequently to those with DTI ratios of 30-36%, with 771 originations. The next most common DTI ratio? 50-60%, with 722 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 3,218 $865,050,000 $268,816 $7,373 4.76%
    Not provided 737 $212,995,000 $289,003 $8,139 4.81%
    Asian 641 $194,545,000 $303,502 $7,304 4.76%
    Black 573 $151,585,000 $264,546 $8,782 4.88%
    American Indian 29 $8,255,000 $284,655 $8,680 4.79%
    Native Hawaiian or Islander 18 $4,900,000 $272,222 $7,610 4.65%
    Asian Indian 2 $790,000 $395,000 $5,542 4.81%
    Chinese 2 $570,000 $285,000 $6,248 4.88%
    Vietnamese 1 $285,000 $285,000 $5,009 5.00%
    Guamanian 1 $265,000 $265,000 $15,646 5.50%

    Approval Rates

    Total approvals of all applications
    63.78%

    Kbhs Home Loans has a low approval rate. They may have poor market targeting or stringent lending standards.

    Pick Rate

    Approvals leading to origination
    84.72%

    Kbhs Home Loans has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 5,222 $1,439,240,000 $275,611

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Single Family (1-4 Units):Site-Built 5,222 $1,439,240,000 $275,611

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 112 $13,660,000 $121,964 $4,634 4.52%
    40-60% 240 $49,890,000 $207,875 $5,397 4.61%
    60-80% 1,166 $331,770,000 $284,537 $6,360 4.72%
    80-100% 3,511 $997,875,000 $284,214 $8,360 4.83%
    Over 100% 139 $44,935,000 $323,273 $25,098 4.61%
    Under 20% 54 $1,110,000 $20,556 $4,680 4.47%

    Complaints

    Bank Name Product Issue 2018 CPFB Complaints % of Total Issues
    KBHS Home Loans, LLC Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 2 50.0%
    KBHS Home Loans, LLC Conventional home mortgage Trouble during payment process 1 25.0%
    KBHS Home Loans, LLC FHA mortgage Closing on a mortgage 1 25.0%