# KBHS HOME LOANS, LLC

> **Canonical URL:** https://saferate.com/lenders/kbhs-home-loans


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


KBHS HOME LOANS, LLC is a independent mortgage company, headquartered in WILMINGTON, DE, serving borrowers across 10 states, with 9,928 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 83% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 24% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 5493002QI2ILHHZH8D20
- **Headquarters:** WILMINGTON, DE
- **Geographic Reach:** Multi-Region
- **States Served:** 10
- **State List:** AZ, CA, CO, FL, ID, NC, NV, SC, TX, WA
- **Markets (MSAs):** 38
- **Homebuilder Lender:** Yes
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Mediocre 😐
- Score: 17/100
- Rating: ●○○○○ (1/5)

### Pull Through: Strong 😀
- Score: 76/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.351%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $4,756
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 9,928
- **Dollar Volume:** $4.0 billion
- **Applications Received:** 13,651
- **Market Share:** 28.00%

## Typical Borrower Profile

- **Average Loan Amount:** $402,202
- **Average Borrower Income:** $136,232
- **Average Property Value:** $471,940

## Safe Rate Awards 🏆

- ⭐ **FHA Gold Superstar** (62%)
- ⭐ **VA Gold Superstar** (62%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 84/100 | 5,016 | +0.351% | $4,605 | Exceptional 🤩 |
| FHA | 89/100 | 3,632 | +0.409% | $5,143 | Exceptional 🤩 |
| VA | 85/100 | 1,261 | -0.377% | $3,621 | Exceptional 🤩 |
| USDA | 47/100 | 11 | -0.208% | $4,535 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 5,015 loans, Score: 85/100 (Exceptional)

**FHA:**
- Purchase: 3,631 loans, Score: 89/100 (Exceptional)

**VA:**
- Purchase: 1,261 loans, Score: 86/100 (Exceptional)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 86/100 | 9,926 | $4.0B | +0.351% | Exceptional 🤩 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| TX | 2,977 | 0.85% | 88/100 |
| CA | 2,304 | 0.81% | 83/100 |
| FL | 1,497 | 0.51% | 79/100 |
| AZ | 1,118 | 1.12% | 83/100 |
| NV | 1,049 | 2.61% | 92/100 |
| NC | 471 | 0.32% | 70/100 |
| CO | 240 | 0.29% | 66/100 |
| WA | 195 | 0.23% | 67/100 |
| ID | 57 | 0.21% | 54/100 |
| SC | 20 | 0.03% | 42/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| San Antonio | TX | 1,151 | 89/100 |
| Las Vegas | NV | 1,049 | 95/100 |
| Riverside | CA | 885 | 85/100 |
| Houston | TX | 816 | 83/100 |
| Austin | TX | 788 | 92/100 |
| Phoenix | AZ | 756 | 80/100 |
| Jacksonville, FL | FL | 423 | 83/100 |
| Tucson, AZ | AZ | 362 | 83/100 |
| Orlando | FL | 313 | 76/100 |
| Sacramento | CA | 281 | 74/100 |
| Tampa, FL | FL | 238 | 73/100 |
| Fresno, CA | CA | 237 | 80/100 |
| Raleigh | NC | 223 | 75/100 |
| Denver | CO | 194 | 68/100 |
| Dallas | TX | 174 | 66/100 |

## Frequently Asked Questions

### What loan types does KBHS HOME LOANS, LLC offer?

KBHS HOME LOANS, LLC offers the following mortgage loan types: FHA, Conventional, VA, USDA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does KBHS HOME LOANS, LLC offer mortgages?

KBHS HOME LOANS, LLC offers mortgages in 10 states: AZ, CA, CO, FL, ID, NC, NV, SC, TX, WA.

### How competitive are KBHS HOME LOANS, LLC's mortgage rates?

KBHS HOME LOANS, LLC has a pricing score of 17/100 (Mediocre), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.351% above market average.

### What type of lender is KBHS HOME LOANS, LLC?

KBHS HOME LOANS, LLC is a non-depository lender that specializes in mortgage origination, headquartered in WILMINGTON, DE.

### What is KBHS HOME LOANS, LLC's loan approval success rate?

KBHS HOME LOANS, LLC has a pull-through score of 76/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/kbhs-home-loans

### How to Cite

> "KBHS HOME LOANS, LLC Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/kbhs-home-loans

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