Kd Capital Mortgage Corporation Rates, Fees & Info

PASO ROBLES, CA

LEI: 549300EBW60Q23TUJN89

Tax ID: 27-0982018

5 stars - out of 5 stars, based on 13 reviews

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

Jump to:

  • SimulatedRates™
  • Mortgage Calculator

    • Mortgage Data

  • Originations
  • Relative Rates
  • Relative Fees
  • 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

    Kd Capital Mortgage Corporation is a smaller mortgage company specializing in Home Purchase and Cash Out Refi loans. Kd Capital Mortgage Corporation has a high proportion of conventional loans. They have a low ratio of USDA loans. Their top markets by origination volume include: San Luis Obispo, Santa Maria, Salinas, Sacramento, and Napa among others. We have data for 14 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Kd Capital Mortgage Corporation 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. Kd Capital Mortgage Corporation 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.

    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 5.67% 6/4/23
    30 Year Conventional Refi 5.13% 6/4/23
    30 Year Cash-out Refi 5.42% 6/4/23
    30 Year VA Purchase 5.27% 6/4/23
    30 Year VA Refi 5.17% 6/4/23
    30 Year USDA Purchase 5.84% 6/4/23
    15 Year Conventional Purchase 5.17% 6/4/23
    15 Year Conventional Refi 4.86% 6/4/23
    15 Year Cash-out Refi 4.86% 6/4/23
    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.

    Kd Capital Mortgage Corporation Mortgage Calculator






    Your Estimates

    Estimated Loan Payment: Update the calculator values and click calculate payment!

    This is not an official calculator from Kd Capital Mortgage Corporation. 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

    158

    Origination Dollar Volume (All Markets)

    $73,540,000
    Show all (5) awards

    Relative Rate

    Kd Capital Mortgage Corporation's average 30 year fixed mortgage rate was 4.4%.

    The 2022 average 30 year fixed rate mortgage across all markets and lenders was 4.76%.

    This yields a difference of -0.36%.

    Relative Fees (Closing Costs)

    Kd Capital Mortgage Corporation's average total fees/closing costs for a 30 year fixed rate mortgage were $7,387.

    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
    SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 132 $64,110,000 $485,682 $7,423 4.37%
    SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 7 $2,855,000 $407,857 $6,047 4.11%
    SALINAS, CA (FHA|USDA|VA) 5 $1,555,000 $311,000 $5,872 3.35%
    SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 2 $890,000 $445,000 $5,878 3.81%
    NAPA, CA (FHA|USDA|VA) 1 $605,000 $605,000 $5,598 4.25%
    STOCKTON, CA (FHA|USDA|VA) 1 $585,000 $585,000 $4,576 5.13%
    FRESNO, CA (FHA|USDA|VA) 2 $520,000 $260,000 $8,899 5.19%
    REDDING, CA (FHA|USDA|VA) 1 $455,000 $455,000 $0 6.00%
    VALLEJO, CA (FHA|USDA|VA) 1 $445,000 $445,000 $5,382 5.38%
    San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 1 $435,000 $435,000 $0 4.25%
    MODESTO, CA (FHA|USDA|VA) 1 $325,000 $325,000 $7,421 4.38%
    RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 1 $265,000 $265,000 $3,393 3.50%
    Clearlake, CA (FHA|USDA|VA) 1 $265,000 $265,000 $4,659 3.25%
    SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 2 $230,000 $115,000 $4,530 3.44%
    Kd Capital Mortgage Corporation's top markets include San Luis Obispo, Santa Maria, Salinas, Sacramento, and Napa among others.

    Their top states include:
  • California (FHA|USDA|VA)

    • Similar Lenders

    We use machine learning to identify the top lenders compared against KD CAPITAL MORTGAGE CORPORATION based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    KINGS MORTGAGE SERVICES, INC.
    Similarity Rank: 970
    Shea Mortgage Inc.
    Similarity Rank: 1060
    KD CAPITAL MORTGAGE CORPORATION
    Similarity Rank: 1554
    DEL SUR CORPORATION
    Similarity Rank: 2100
    SCHOOLSFIRST
    Similarity Rank: 2178
    COASTHILLS
    Similarity Rank: 2268
    SESLOC
    Similarity Rank: 2436
    Cf Bank
    Similarity Rank: 2442
    COUNTRY CLUB MORTGAGE, INC.
    Similarity Rank: 2780
    GOOGAIN, INC.
    Similarity Rank: 3488

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 139 $62,595,000 $450,324 $6,656 4.35%
    VA 17 $10,095,000 $593,824 $11,815 4.24%
    USDA 2 $850,000 $425,000 $6,492 3.87%

    For 2022, Kd Capital Mortgage Corporation's most frequently originated type of loan was Conventional, with 139 originations. Their 2nd most popular type was VA, with 17 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 92 $47,930,000 $520,978 $7,747 4.69%
    Cash Out Refi 46 $17,380,000 $377,826 $6,214 3.91%
    Refi 20 $8,230,000 $411,500 $7,004 3.62%

    For 2022, Kd Capital Mortgage Corporation's most frequently cited loan purpose was Home Purchase, with 92 originations. The 2nd most popular reason was Cash Out Refi, with 46 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 147 $69,905,000 $475,544 $7,387 4.40%
    15 Year 6 $2,270,000 $378,333 $3,976 3.19%
    20 Year 3 $905,000 $301,667 $4,728 2.92%
    10 Year 1 $165,000 $165,000 $3,742 4.13%
    Other 1 $295,000 $295,000 $9,024 4.63%

    For 2022, Kd Capital Mortgage Corporation's most frequently cited loan duration was 30 Year, with 147 originations. The 2nd most popular length was 15 Year, with 6 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 65 $30,805,000 $473,923
    $5k+ 47 $22,395,000 $476,489
    $2k-3k 8 $1,620,000 $202,500
    $4k-5k 7 $2,045,000 $292,143
    $3k-4k 5 $1,215,000 $243,000

    Kd Capital Mortgage Corporation's average total fees were $7,387, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 65 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 61 $27,385,000 $448,934
    4-5% 39 $18,575,000 $476,282
    5-6% 36 $17,740,000 $492,778
    2.5-3% 10 $4,040,000 $404,000
    6-7% 6 $2,320,000 $386,667
    <2.5% 5 $2,295,000 $459,000
    7-8% 1 $1,185,000 $1,185,000

    During 2022, Kd Capital Mortgage Corporation's average interest rate for loans was 4.40%, while their most frequently originated rate bucket for loans was 3-4%, with 61 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $400k-600k 60 $29,560,000 $492,667 $6,981 4.21%
    $200k-400k 49 $15,875,000 $323,980 $6,640 4.35%
    $600k-1MM 35 $24,055,000 $687,286 $9,200 4.46%
    $100k-200k 11 $1,745,000 $158,636 $4,161 4.28%
    $1MM+ 2 $2,220,000 $1,110,000 $17,603 5.94%
    $100,000 or less 1 $85,000 $85,000 $4,446 3.13%

    2022 saw Kd Capital Mortgage Corporation place emphasis on $400k-600k loans with 60 originations, totaling $29,560,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 53 $22,915,000 $432,358 $6,678 4.33%
    $150k-250k 40 $21,980,000 $549,500 $7,867 4.24%
    $75k-100k 26 $10,230,000 $393,462 $6,125 4.22%
    $250k+ 17 $11,225,000 $660,294 $11,190 5.28%
    $50k-75k 17 $5,325,000 $313,235 $5,922 4.07%
    $50k or less 5 $1,865,000 $373,000 $5,552 3.20%

    Kd Capital Mortgage Corporation lent most frequently to those with incomes in the $100k-150k range, with 53 originations. The second most popular income band? $150k-250k, with 40 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 24 $11,850,000 $493,750 $7,601 4.32%
    30-36% 24 $12,550,000 $522,917 $6,773 4.15%
    44% 14 $6,830,000 $487,857 $7,473 4.41%
    39% 13 $5,245,000 $403,462 $5,398 4.21%
    41% 10 $4,570,000 $457,000 $8,742 4.44%
    40% 9 $4,745,000 $527,222 $9,219 4.33%
    48% 9 $4,875,000 $541,667 $7,685 4.32%
    49% 8 $3,740,000 $467,500 $6,707 5.47%
    47% 7 $3,035,000 $433,571 $7,075 4.25%
    38% 6 $2,240,000 $373,333 $7,764 4.15%
    <20% 5 $1,505,000 $301,000 $5,199 3.70%
    42% 5 $1,795,000 $359,000 $6,025 3.73%
    45% 5 $2,235,000 $447,000 $3,226 4.70%
    46% 4 $1,980,000 $495,000 $10,571 5.02%
    43% 4 $1,800,000 $450,000 $5,168 4.00%
    37% 4 $1,300,000 $325,000 $6,651 4.69%
    36% 4 $1,470,000 $367,500 $5,584 4.00%
    50-60% 2 $1,100,000 $550,000 $10,350 4.75%

    Kd Capital Mortgage Corporation lent most frequently to those with DTI ratios of 20-30%, with 24 originations. The next most common DTI ratio? 30-36%, with 24 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 153 $71,025,000 $464,216 $7,095 4.33%
    Asian 2 $1,150,000 $575,000 $4,044 4.50%
    Black 2 $750,000 $375,000 $8,550 4.50%
    Filipino 1 $615,000 $615,000 $17,724 3.75%

    Approval Rates

    Total approvals of all applications
    100.00%

    Kd Capital Mortgage Corporation has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.

    Pick Rate

    Approvals leading to origination
    75.32%

    Kd Capital Mortgage Corporation has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 158 $73,540,000 $465,443

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    158 $73,540,000 $465,443

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 19 $5,075,000 $267,105 $6,086 4.18%
    40-60% 20 $7,930,000 $396,500 $6,625 4.01%
    60-80% 56 $27,890,000 $498,036 $7,291 4.19%
    80-100% 58 $30,610,000 $527,759 $6,999 4.62%
    Over 100% 3 $1,785,000 $595,000 $19,748 4.92%
    Under 20% 2 $250,000 $125,000 $4,094 3.63%