Kd Capital Mortgage Corporation Rates, Fees & Info

PASO ROBLES, CA

LEI: 549300EBW60Q23TUJN89

Tax ID: 27-0982018

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

Jump to:

  • 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

    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, San Diego, Salinas, and Riverside among others. We have data for 9 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.

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    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    30 Year Conventional Purchase 5.67% 12/16/24
    30 Year Conventional Refi 5.13% 12/16/24
    30 Year Cash-out Refi 5.42% 12/16/24
    30 Year VA Purchase 5.27% 12/16/24
    30 Year VA Refi 5.17% 12/16/24
    30 Year USDA Purchase 5.84% 12/16/24
    15 Year Conventional Purchase 5.17% 12/16/24
    15 Year Conventional Refi 4.86% 12/16/24
    15 Year Cash-out Refi 4.86% 12/16/24
    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.

    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

    145

    Origination Dollar Volume (All Markets)

    $54,985,000

    Awards

    KD CAPITAL MORTGAGE CORPORATION VA Loans silver KD CAPITAL MORTGAGE CORPORATION VA Loans silver
    Show all (2) 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
    SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 130 $50,450,000 $388,077 $4,922 4.55%
    SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 5 $1,535,000 $307,000 $4,930 4.85%
    SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 2 $930,000 $465,000 $6,223 4.81%
    SALINAS, CA (FHA|USDA|VA) 2 $570,000 $285,000 $5,099 4.63%
    RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 2 $500,000 $250,000 $3,350 4.56%
    Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 1 $415,000 $415,000 $8,681 4.00%
    VISALIA, CA (FHA|USDA|VA) 1 $345,000 $345,000 $7,851 4.75%
    MERCED, CA (FHA|USDA|VA) 1 $145,000 $145,000 $4,969 5.75%
    Outside of Metro Areas 1 $95,000 $95,000 $2,853 4.88%
    Kd Capital Mortgage Corporation's top markets include San Luis Obispo, Santa Maria, San Diego, Salinas, and Riverside 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.

    SESLOC
    Similarity Rank: 70
    Montecito Bank & Trust
    Similarity Rank: 90
    COASTHILLS
    Similarity Rank: 184
    Resource Lenders Inc.
    Similarity Rank: 242
    KD CAPITAL MORTGAGE CORPORATION
    Similarity Rank: 351
    The Mortgage House, Inc.
    Similarity Rank: 1008
    DIGNIFIED HOME LOANS, LLC
    Similarity Rank: 1008
    COUNTRY CLUB MORTGAGE, INC.
    Similarity Rank: 1078
    THE GOLDEN 1
    Similarity Rank: 1122
    KINGS MORTGAGE SERVICES, INC.
    Similarity Rank: 1152

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 128 $47,370,000 $370,078 $4,560 4.62%
    VA 15 $6,955,000 $463,667 $8,063 4.18%
    USDA 2 $660,000 $330,000 $6,770 4.25%

    For 2018, Kd Capital Mortgage Corporation's most frequently originated type of loan was Conventional, with 128 originations. Their 2nd most popular type was VA, with 15 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 103 $40,915,000 $397,233 $5,103 4.59%
    Cash Out Refi 34 $11,310,000 $332,647 $4,815 4.61%
    Refi 8 $2,760,000 $345,000 $3,598 4.08%

    For 2018, Kd Capital Mortgage Corporation's most frequently cited loan purpose was Home Purchase, with 103 originations. The 2nd most popular reason was Cash Out Refi, with 34 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 140 $53,550,000 $382,500 $5,008 4.59%
    15 Year 5 $1,435,000 $287,000 $3,416 3.95%

    For 2018, Kd Capital Mortgage Corporation's most frequently cited loan duration was 30 Year, with 140 originations. The 2nd most popular length was 15 Year, with 5 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 115 $42,115,000 $366,217
    $5k+ 11 $5,515,000 $501,364
    $2k-3k 7 $2,645,000 $377,857
    $3k-4k 5 $2,195,000 $439,000
    $4k-5k 4 $1,290,000 $322,500
    $<1k 2 $920,000 $460,000

    Kd Capital Mortgage Corporation's average total fees were $5,008, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 115 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 110 $42,550,000 $386,818
    3-4% 20 $6,880,000 $344,000
    5-6% 15 $5,555,000 $370,333

    During 2018, Kd Capital Mortgage Corporation's average interest rate for loans was 4.59%, while their most frequently originated rate bucket for loans was 4-5%, with 110 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 73 $22,765,000 $311,849 $4,428 4.55%
    $400k-600k 50 $23,710,000 $474,200 $5,776 4.56%
    $100k-200k 10 $1,580,000 $158,000 $3,438 4.59%
    $600k-1MM 10 $6,750,000 $675,000 $6,619 4.70%
    $100,000 or less 2 $180,000 $90,000 $2,754 4.88%

    2018 saw Kd Capital Mortgage Corporation place emphasis on $200k-400k loans with 73 originations, totaling $22,765,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 37 $16,325,000 $441,216 $5,504 4.51%
    $75k-100k 35 $13,295,000 $379,857 $5,956 4.56%
    $50k-75k 30 $8,980,000 $299,333 $4,011 4.53%
    $150k-250k 29 $11,865,000 $409,138 $4,452 4.60%
    $250k+ 7 $3,175,000 $453,571 $4,368 4.84%
    $50k or less 7 $1,345,000 $192,143 $3,724 4.68%

    Kd Capital Mortgage Corporation lent most frequently to those with incomes in the $100k-150k range, with 37 originations. The second most popular income band? $75k-100k, with 35 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 17 $5,775,000 $339,706 $3,783 4.46%
    30-36% 17 $6,515,000 $383,235 $5,073 4.48%
    50-60% 14 $6,090,000 $435,000 $6,512 4.79%
    49% 12 $4,320,000 $360,000 $4,967 4.69%
    44% 11 $4,105,000 $373,182 $4,763 4.76%
    43% 8 $2,770,000 $346,250 $4,919 4.61%
    45% 7 $2,265,000 $323,571 $3,296 4.43%
    46% 7 $2,745,000 $392,143 $6,416 4.95%
    41% 7 $3,235,000 $462,143 $4,589 4.61%
    37% 7 $2,205,000 $315,000 $4,315 4.41%
    <20% 6 $2,040,000 $340,000 $3,420 4.48%
    38% 6 $2,210,000 $368,333 $4,761 4.31%
    39% 6 $2,490,000 $415,000 $7,744 4.27%
    36% 5 $2,315,000 $463,000 $5,504 4.73%
    48% 5 $1,625,000 $325,000 $4,383 4.58%
    42% 4 $1,770,000 $442,500 $6,830 4.44%
    47% 3 $1,215,000 $405,000 $3,785 4.54%
    40% 2 $980,000 $490,000 $3,506 4.31%
    >60% 1 $315,000 $315,000 $4,119 4.63%

    Kd Capital Mortgage Corporation lent most frequently to those with DTI ratios of 20-30%, with 17 originations. The next most common DTI ratio? 30-36%, with 17 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 141 $53,345,000 $378,333 $4,996 4.57%
    Black 2 $720,000 $360,000 $3,249 4.81%
    American Indian 1 $515,000 $515,000 $4,058 4.75%
    Asian 1 $405,000 $405,000 $3,119 4.50%

    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
    86.90%

    Kd Capital Mortgage Corporation has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 145 $54,985,000 $379,207

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Single Family (1-4 Units):Site-Built 145 $54,985,000 $379,207

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 5 $1,065,000 $213,000 $3,197 4.10%
    40-60% 18 $5,630,000 $312,778 $4,432 4.33%
    60-80% 45 $16,815,000 $373,667 $4,373 4.59%
    80-100% 72 $29,710,000 $412,639 $5,177 4.66%
    Over 100% 3 $1,555,000 $518,333 $15,371 4.38%
    Under 20% 2 $210,000 $105,000 $3,368 4.38%