Kd Capital Mortgage Corporation Rates, Fees & Info

PASO ROBLES, CA

LEI: 549300EBW60Q23TUJN89

Tax ID: 27-0982018

5 stars - out of 5 stars, based on 22 reviews

2021 Data | 2020 Data | 2019 Data | 2018 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

491

Origination Dollar Volume (All Markets)

$201,435,000
Show all (5) awards

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 applications
99.19%

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 origination
88.65%

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%