Kd Capital Mortgage Corporation Rates, Fees & Info
PASO ROBLES, CALEI: 549300EBW60Q23TUJN89
Tax ID: 27-0982018
2021 Data | 2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Overview
Kd Capital Mortgage Corporation is a smaller mortgage company specializing in Refi, Cash Out Refi, and Home Purchase loans. Kd Capital Mortgage Corporation has a high proportion of conventional loans. They have a low ratio of USDA loans. Their top markets include San Luis Obispo, Salinas, San Jose, Santa Maria, and Riverside among others. Kd Capital Mortgage Corporation has an above average approval rate for mortages when compared nationally. They have a below average pick rate when compared to the same sample of other lendors. Kd Capital Mortgage Corporation is typically an average fee lendor.Originations
491Origination Dollar Volume (All Markets)
$201,435,000Awards
KD CAPITAL MORTGAGE CORPORATION - 2021
KD CAPITAL MORTGAGE CORPORATION is a 2021 , due to their low .
For 2021, less than of lenders were eligible for this award.
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Relative Rate
Kd Capital Mortgage Corporation's average 30 year fixed rate mortgage of loans were
2.89%.
The 2021 average 30 year fixed rate mortgage across all markets of loans were 3.15%.
This yields a difference of -0.26%.
Relative Fees
Kd Capital Mortgage Corporation's average total fees for a 30 year fixed rate
mortgage are $5,082.
The average total origination fees for 30 year fixed rate mortgages (for all loan values, including
both points & up-front fees in addition to origination fees) are $4,750.
Top Markets
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 431 | $178,695,000 | $414,606 | $4,889 | 2.84% |
| SALINAS, CA (FHA|USDA|VA) | 14 | $5,780,000 | $412,857 | $8,046 | 2.91% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 4 | $2,910,000 | $727,500 | $3,826 | 2.87% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 7 | $2,875,000 | $410,714 | $5,194 | 2.95% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 6 | $2,550,000 | $425,000 | $5,450 | 3.02% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 5 | $1,585,000 | $317,000 | $4,934 | 2.85% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 3 | $1,465,000 | $488,333 | $3,479 | 2.71% |
| VISALIA, CA (FHA|USDA|VA) | 5 | $1,365,000 | $273,000 | $3,594 | 2.48% |
| Outside of Metro Areas | 3 | $1,115,000 | $371,667 | $3,889 | 2.79% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 3 | $785,000 | $261,667 | $5,079 | 3.25% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 1 | $575,000 | $575,000 | $5,310 | 2.75% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $3,246 | 2.75% |
| FRESNO, CA (FHA|USDA|VA) | 3 | $475,000 | $158,333 | $4,405 | 3.00% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $4,103 | 3.38% |
| Sonora, CA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $3,351 | 2.87% |
| MERCED, CA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,563 | 3.25% |
| Eureka-Arcata, CA (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $4,605 | 3.00% |
Kd Capital Mortgage Corporation's top markets include San Luis Obispo, Salinas, San Jose, Santa Maria, and Riverside among others.
Product Mix
| Loan Type | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Conventional | 432 | $175,100,000 | $405,324 | $4,443 | 2.89% |
| VA | 47 | $21,685,000 | $461,383 | $8,577 | 2.50% |
| USDA | 12 | $4,650,000 | $387,500 | $8,447 | 2.49% |
For the 2021 period, Kd Capital Mortgage Corporation's most frequently originated loan type of loans were Conventional, with 432 originations. Their 2nd most popular type is VA, with 47 originations.
Loan Reason
| Loan Reason | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Refi | 190 | $71,380,000 | $375,684 | $3,777 | 2.75% |
| Cash Out Refi | 151 | $57,925,000 | $383,609 | $5,380 | 2.94% |
| Home Purchase | 150 | $72,130,000 | $480,867 | $5,979 | 2.87% |
For the 2021, Kd Capital Mortgage Corporation's most frequently cited loan purpose of loans were Refi, with 190 originations. The 2nd most popular reason of loans were Cash Out Refi, with 151 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 30 Year | 433 | $182,365,000 | $421,166 | $5,082 | 2.89% |
| 15 Year | 30 | $9,630,000 | $321,000 | $3,702 | 2.35% |
| 20 Year | 19 | $5,995,000 | $315,526 | $4,351 | 2.68% |
| Other | 9 | $3,445,000 | $382,778 | $3,414 | 2.76% |
For the 2021, Kd Capital Mortgage Corporation's most frequently cited loan length of loans were 30 Year, with 433 originations. The 2nd most popular length of loans were 15 Year, with 30 originations.
Origination Fees
| Origination Fee | Originations | Total Value | Average Loan |
|---|---|---|---|
| $1k-2k | 390 | $159,440,000 | $408,821 |
| $5k+ | 45 | $22,455,000 | $499,000 |
| $3k-4k | 28 | $9,550,000 | $341,071 |
| $2k-3k | 25 | $9,125,000 | $365,000 |
| $<1k | 1 | $135,000 | $135,000 |
$5,082 of loans were Kd Capital Mortgage Corporation's average total fees, while their most frequently occuring range of origination fees were in the $1k-2k bucket, with 390 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 2.5-3% | 319 | $129,335,000 | $405,439 |
| 3-4% | 93 | $39,465,000 | $424,355 |
| <2.5% | 79 | $32,635,000 | $413,101 |
During 2021, Kd Capital Mortgage Corporation's average interest rate of loans were 2.89%, while their most frequently originated rate bucket of loans were 2.5-3%, with 319 originations.
Loan Sizing
| Loan Size | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| $200k-400k | 217 | $67,115,000 | $309,286 | $4,334 | 2.84% |
| $400k-600k | 192 | $92,210,000 | $480,260 | $4,993 | 2.82% |
| $600k-1MM | 53 | $36,635,000 | $691,226 | $7,990 | 2.90% |
| $100k-200k | 27 | $4,365,000 | $161,667 | $3,391 | 2.87% |
| $100,000 or less | 1 | $55,000 | $55,000 | $4,605 | 3.00% |
| $1MM+ | 1 | $1,055,000 | $1,055,000 | $5,639 | 3.75% |
2021 saw Kd Capital Mortgage Corporation place emphasis on $200k-400k loans with 217 originations, totaling $67,115,000 in origination value.
Applicant Income
| Applicant Income | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| $100k-150k | 150 | $62,460,000 | $416,400 | $5,155 | 2.85% |
| $150k-250k | 106 | $50,300,000 | $474,528 | $5,104 | 2.90% |
| $75k-100k | 95 | $35,605,000 | $374,789 | $4,968 | 2.86% |
| $50k-75k | 61 | $20,085,000 | $329,262 | $4,651 | 2.77% |
| $50k or less | 52 | $18,400,000 | $353,846 | $4,081 | 2.69% |
| $250k+ | 26 | $14,350,000 | $551,923 | $5,380 | 2.95% |
Kd Capital Mortgage Corporation lent most frequently to those with incomes in the $100k-150k range, with 150 originations. The second most popular income band? $150k-250k, with 106 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 20-30% | 110 | $42,600,000 | $387,273 | $4,275 | 2.79% |
| 30-36% | 101 | $43,395,000 | $429,653 | $4,844 | 2.86% |
| <20% | 35 | $12,715,000 | $363,286 | $4,424 | 2.92% |
| 44% | 21 | $9,285,000 | $442,143 | $5,927 | 2.74% |
| 40% | 21 | $9,035,000 | $430,238 | $5,158 | 2.83% |
| 39% | 20 | $7,310,000 | $365,500 | $4,377 | 2.99% |
| 43% | 19 | $9,405,000 | $495,000 | $5,556 | 3.00% |
| 42% | 18 | $7,130,000 | $396,111 | $5,119 | 2.80% |
| 37% | 18 | $7,940,000 | $441,111 | $6,163 | 2.83% |
| 41% | 16 | $7,010,000 | $438,125 | $5,354 | 2.86% |
| 45% | 13 | $5,855,000 | $450,385 | $5,325 | 2.89% |
| 36% | 13 | $4,225,000 | $325,000 | $4,901 | 2.83% |
| 47% | 12 | $5,090,000 | $424,167 | $5,368 | 2.94% |
| 38% | 12 | $5,160,000 | $430,000 | $5,179 | 2.81% |
| 48% | 12 | $5,370,000 | $447,500 | $4,948 | 2.88% |
| 49% | 11 | $4,265,000 | $387,727 | $4,439 | 3.01% |
| 46% | 10 | $3,910,000 | $391,000 | $5,589 | 2.94% |
| 50-60% | 9 | $4,275,000 | $475,000 | $10,998 | 2.71% |
| >60% | 3 | $1,335,000 | $445,000 | $4,282 | 2.96% |
Kd Capital Mortgage Corporation lent most frequently to those with DTI ratios of 20-30%, with 110 originations. The next most common DTI ratio? 30-36%, with 101 originations.
Ethnicity Mix
| Applicant Ethnicity | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| White | 475 | $195,085,000 | $410,705 | $4,905 | 2.85% |
| Black | 8 | $3,220,000 | $402,500 | $5,904 | 2.81% |
| Asian | 5 | $2,005,000 | $401,000 | $5,089 | 2.70% |
| Filipino | 1 | $415,000 | $415,000 | $12,998 | 2.50% |
| Not provided | 1 | $385,000 | $385,000 | $4,681 | 3.00% |
| American Indian | 1 | $325,000 | $325,000 | $4,649 | 2.88% |
Approval Rates
Total approvals of all applications99.19%
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 origination88.65%
Kd Capital Mortgage Corporation has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 491 | $201,435,000 | $410,255 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| 491 | $201,435,000 | $410,255 |
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 20-40% | 44 | $11,550,000 | $262,500 | $3,812 | 2.79% |
| 40-60% | 120 | $42,870,000 | $357,250 | $3,866 | 2.76% |
| 60-80% | 199 | $84,925,000 | $426,759 | $4,780 | 2.92% |
| 80-100% | 115 | $57,065,000 | $496,217 | $6,182 | 2.84% |
| Over 100% | 9 | $4,285,000 | $476,111 | $13,110 | 2.50% |
| Under 20% | 4 | $740,000 | $185,000 | $3,502 | 2.97% |
