Kd Capital Mortgage Corporation Rates, Fees & Info
PASO ROBLES, CALEI: 549300EBW60Q23TUJN89
Tax ID: 27-0982018
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Mortgage Data
Review & Overview
Kd Capital Mortgage Corporation is a smaller mortgage company specializing in Home Purchase, Cash Out Refi, and Refi loans. Kd Capital Mortgage Corporation has a high proportion of conventional loans. They have a low ratio of USDA loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) Their top markets by origination volume include: San Luis Obispo, Los Angeles, San Diego, Santa Maria, and San Jose among others. We have data for 12 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 an above 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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 5.67% | 12/30/24 |
| 30 Year Conventional Refi | 5.13% | 12/30/24 |
| 30 Year Cash-out Refi | 5.42% | 12/30/24 |
| 30 Year VA Purchase | 5.27% | 12/30/24 |
| 30 Year VA Refi | 5.17% | 12/30/24 |
| 30 Year USDA Purchase | 5.84% | 12/30/24 |
| 15 Year Conventional Purchase | 5.17% | 12/30/24 |
| 15 Year Conventional Refi | 4.86% | 12/30/24 |
| 15 Year Cash-out Refi | 4.86% | 12/30/24 |
| 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
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
291Origination Dollar Volume (All Markets)
$120,105,000Awards
KD CAPITAL MORTGAGE CORPORATION - 2019
KD CAPITAL MORTGAGE CORPORATION is a 2019 , due to their low .
For 2019, less than of lenders were eligible for this award.
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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) | 265 | $110,095,000 | $415,453 | $5,129 | 3.97% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 5 | $2,395,000 | $479,000 | $4,760 | 3.90% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 4 | $2,280,000 | $570,000 | $5,752 | 3.69% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 2 | $840,000 | $420,000 | $3,739 | 4.12% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 1 | $685,000 | $685,000 | $4,829 | 3.88% |
| FRESNO, CA (FHA|USDA|VA) | 3 | $675,000 | $225,000 | $3,438 | 4.04% |
| CHICO, CA (FHA|USDA|VA) | 2 | $670,000 | $335,000 | $3,415 | 4.00% |
| SALINAS, CA (FHA|USDA|VA) | 2 | $570,000 | $285,000 | $5,739 | 3.88% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 2 | $560,000 | $280,000 | $8,779 | 4.13% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 3 | $515,000 | $171,667 | $4,200 | 4.62% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $13,326 | 4.13% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $8,658 | 5.25% |
Their top states include:
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.
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Product Mix
For 2019, Kd Capital Mortgage Corporation's most frequently originated type of loan was Conventional, with 250 originations. Their 2nd most popular type was VA, with 33 originations.
Loan Reason
For 2019, Kd Capital Mortgage Corporation's most frequently cited loan purpose was Home Purchase, with 141 originations. The 2nd most popular reason was Cash Out Refi, with 87 originations.
Loan Duration/Length
For 2019, Kd Capital Mortgage Corporation's most frequently cited loan duration was 30 Year, with 279 originations. The 2nd most popular length was 15 Year, with 5 originations.
Origination Fees/Closing Costs
Kd Capital Mortgage Corporation's average total fees were $5,227, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 225 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 3-4% | 184 | $78,580,000 | $427,065 |
| 4-5% | 94 | $36,510,000 | $388,404 |
| 5-6% | 8 | $3,360,000 | $420,000 |
| 2.5-3% | 5 | $1,655,000 | $331,000 |
During 2019, Kd Capital Mortgage Corporation's average interest rate for loans was 4.00%, while their most frequently originated rate bucket for loans was 3-4%, with 184 originations.
Loan Sizing
2019 saw Kd Capital Mortgage Corporation place emphasis on $400k-600k loans with 140 originations, totaling $65,080,000 in origination value.
Applicant Income
Kd Capital Mortgage Corporation lent most frequently to those with incomes in the $100k-150k range, with 82 originations. The second most popular income band? $75k-100k, with 68 originations.
Applicant Debt to Income Ratio
Kd Capital Mortgage Corporation lent most frequently to those with DTI ratios of 20-30%, with 57 originations. The next most common DTI ratio? 30-36%, with 54 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications100.00%
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 origination90.03%
Kd Capital Mortgage Corporation has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| 0.0 | 1 | $425,000 | $425,000 |
| 1690.0 | 1 | $595,000 | $595,000 |
| NA | 289 | $119,085,000 | $412,059 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Manufactured | 1 | $325,000 | $325,000 |
| Single Family (1-4 Units):Site-Built | 290 | $119,780,000 | $413,034 |