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: 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.
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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
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
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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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% |
Similar Lenders
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Product Mix
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
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
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
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
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
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
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
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
Approval Rates
Total approvals of all applications73.33%
Kbhs Home Loans has a below average approval rate.
Pick Rate
Approvals leading to origination85.71%
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
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% |