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

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  • SimulatedRates™
  • Mortgage Calculator

    • Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • 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 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.

    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 6.60% 9/1/24
    30 Year Conventional Refi 6.31% 9/1/24
    30 Year Cash-out Refi 6.47% 9/1/24
    30 Year FHA Purchase 7.60% 9/1/24
    30 Year VA Purchase 6.34% 9/1/24
    30 Year VA Refi 6.27% 9/1/24
    30 Year USDA Purchase 7.02% 9/1/24
    15 Year Conventional Purchase 6.15% 9/1/24
    15 Year FHA Purchase 6.35% 9/1/24
    15 Year VA Purchase 6.12% 9/1/24
    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

    8,597

    Origination Dollar Volume (All Markets)

    $3,344,775,000
    Show all (11) 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
    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%
    Kbhs Home Loans's top markets include Las Vegas, Riverside, Austin, Jacksonville, and San Antonio among others.

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

    MISSION
    Similarity Rank: 30
    SAFEAMERICA CREDIT UNION
    Similarity Rank: 54
    El Dorado Savings Bank, F.S.B.
    Similarity Rank: 77
    Sierra Central Credit Union
    Similarity Rank: 152
    PIMA Federal Credit Union
    Similarity Rank: 252
    Generations Community Federal Credit Union
    Similarity Rank: 264
    RAILROAD & INDUSTRIAL
    Similarity Rank: 335
    California Coast Credit Union
    Similarity Rank: 340
    SAN ANTONIO CITIZENS
    Similarity Rank: 340
    AAXY L.L.C.
    Similarity Rank: 420

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 5,814 $2,279,400,000 $392,054 $9,946 4.48%
    FHA 1,701 $617,135,000 $362,807 $15,955 4.83%
    VA 1,050 $438,870,000 $417,971 $13,243 4.43%
    USDA 32 $9,370,000 $292,813 $11,788 4.24%

    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

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 8,586 $3,341,270,000 $389,153 $11,682 4.54%
    Cash Out Refi 6 $1,810,000 $301,667 $6,354 5.19%
    Refi 5 $1,695,000 $339,000 $4,462 3.48%

    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

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 8,311 $3,284,205,000 $395,164 $11,767 4.60%
    15 Year 176 $51,180,000 $290,795 $7,902 3.70%
    3 Year 74 $600,000 $8,108 $0 0.00%
    20 Year 16 $4,830,000 $301,875 $6,401 3.94%
    10 Year 13 $1,695,000 $130,385 $6,175 4.55%
    Other 6 $2,260,000 $376,667 $11,000 4.85%
    5 Year 1 $5,000 $5,000 $0 0.00%

    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

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $5k+ 4,003 $1,727,645,000 $431,588
    $1k-2k 1,603 $619,495,000 $386,460
    $4k-5k 859 $309,815,000 $360,669
    $3k-4k 764 $272,220,000 $356,309
    $2k-3k 591 $211,965,000 $358,655
    $<1k 319 $50,395,000 $157,978

    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

    Loan Rate Originations Total Value Average Loan
    4-5% 2,812 $1,123,370,000 $399,491
    5-6% 2,503 $989,235,000 $395,220
    3-4% 2,307 $920,355,000 $398,940
    6-7% 422 $164,160,000 $389,005
    2.5-3% 282 $118,710,000 $420,957
    <2.5% 224 $12,280,000 $54,821
    7-8% 45 $16,615,000 $369,222
    Over 8% 2 $50,000 $25,000

    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

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 4,752 $1,499,640,000 $315,581 $10,749 4.67%
    $400k-600k 2,543 $1,220,605,000 $479,986 $12,626 4.61%
    $600k-1MM 790 $555,540,000 $703,215 $15,526 4.59%
    $100k-200k 262 $41,590,000 $158,740 $6,502 4.57%
    $100,000 or less 231 $4,645,000 $20,108 $4,807 0.87%
    $1MM+ 19 $22,755,000 $1,197,632 $22,877 4.16%

    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

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 2,865 $1,178,555,000 $411,363 $11,969 4.62%
    $75k-100k 1,977 $667,885,000 $337,828 $11,502 4.53%
    $150k-250k 1,640 $799,100,000 $487,256 $12,365 4.69%
    $50k-75k 1,413 $405,815,000 $287,201 $10,815 4.25%
    $250k+ 495 $250,905,000 $506,879 $12,411 4.76%
    $50k or less 207 $42,515,000 $205,386 $8,481 3.95%

    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

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    30-36% 1,236 $487,610,000 $394,506 $10,491 4.50%
    20-30% 1,077 $404,345,000 $375,436 $9,673 4.39%
    50-60% 996 $391,230,000 $392,801 $15,634 4.71%
    49% 535 $222,525,000 $415,935 $12,198 4.70%
    44% 410 $163,320,000 $398,341 $11,389 4.65%
    48% 404 $160,750,000 $397,896 $12,248 4.79%
    <20% 385 $84,895,000 $220,506 $8,799 2.88%
    45% 370 $151,140,000 $408,486 $11,445 4.74%
    43% 370 $145,220,000 $392,486 $11,252 4.71%
    47% 366 $142,440,000 $389,180 $12,131 4.71%
    42% 343 $143,725,000 $419,023 $11,874 4.70%
    46% 320 $128,350,000 $401,094 $12,199 4.74%
    39% 316 $126,320,000 $399,747 $10,816 4.61%
    41% 303 $120,095,000 $396,353 $11,343 4.62%
    40% 293 $119,315,000 $407,218 $11,894 4.60%
    38% 277 $111,585,000 $402,834 $10,892 4.69%
    37% 266 $104,840,000 $394,135 $11,309 4.65%
    36% 245 $96,585,000 $394,224 $10,277 4.55%
    >60% 85 $40,485,000 $476,294 $16,002 4.59%

    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

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 3,778 $1,406,050,000 $372,168 $11,282 4.55%
    Asian 1,535 $680,765,000 $443,495 $11,513 4.60%
    Not provided 1,680 $657,220,000 $391,202 $12,135 4.51%
    Black 1,142 $398,060,000 $348,564 $12,796 4.42%
    Asian Indian 193 $85,105,000 $440,959 $9,536 4.72%
    Filipino 102 $49,520,000 $485,490 $12,941 4.66%
    American Indian 34 $13,940,000 $410,000 $10,936 4.34%
    Native Hawaiian or Islander 33 $13,925,000 $421,970 $11,969 4.56%
    Other Asian 33 $13,775,000 $417,424 $10,840 4.84%
    Chinese 33 $12,885,000 $390,455 $11,095 4.82%
    Vietnamese 13 $6,005,000 $461,923 $11,054 4.61%
    Japanese 7 $2,345,000 $335,000 $9,802 4.52%
    Other Pacific Islander 7 $2,235,000 $319,286 $10,254 4.30%
    Korean 3 $1,325,000 $441,667 $8,159 5.17%
    Guamanian 2 $810,000 $405,000 $18,396 5.31%
    Samoan 2 $810,000 $405,000 $13,455 5.04%

    Approval Rates

    Total approvals of all applications
    92.04%

    Kbhs Home Loans has an average approval rate.

    Pick Rate

    Approvals leading to origination
    27.03%

    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

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 175 $30,525,000 $174,429 $6,999 4.58%
    40-60% 355 $102,915,000 $289,901 $8,772 4.48%
    60-80% 1,796 $718,700,000 $400,167 $10,481 4.65%
    80-100% 5,671 $2,326,485,000 $410,242 $11,770 4.67%
    Over 100% 374 $160,630,000 $429,492 $19,972 4.41%
    Under 20% 226 $5,520,000 $24,425 $4,966 0.77%