# KD CAPITAL MORTGAGE CORPORATION

> **Canonical URL:** https://saferate.com/lenders/kd-capital-mortgage


> **📋 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


KD CAPITAL MORTGAGE CORPORATION is a independent mortgage company, headquartered in PASO ROBLES, CA, with 103 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 55% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 48% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300EBW60Q23TUJN89
- **Headquarters:** PASO ROBLES, CA
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** CA
- **Markets (MSAs):** 1
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 45/100
- Rating: ●●●○○ (3/5)

### Pull Through: Sound ☺️
- Score: 52/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** -0.046%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $3,436
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 103
- **Dollar Volume:** $60 million
- **Applications Received:** 116
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $584,709
- **Average Borrower Income:** $203,311
- **Average Property Value:** $813,738

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (63%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 50/100 | 89 | -0.005% | $3,491 | Sound ☺️ |
| VA | 62/100 | 10 | -0.734% | $3,566 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 80 loans, Score: 51/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 52/100 | 92 | $55M | -0.017% | Sound ☺️ |
| Refinance | 20/100 | 11 | $5M | -0.252% | Mediocre 😐 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| CA | 103 | 0.04% | 65/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| San Luis Obispo | CA | 87 | 89/100 |

## Where This Lender Ranks

KD CAPITAL MORTGAGE CORPORATION appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#4** in San Luis Obispo for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/san-luis-obispo/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#5** in San Luis Obispo for VA Loans
  - [View Full Rankings](https://saferate.com/san-luis-obispo/best-mortgage-lenders/va-loans)
- 🏆 **#5** in San Luis Obispo for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/san-luis-obispo/best-mortgage-lenders/mortgage-companies/va-loans)
- 🏆 **#7** in San Luis Obispo Mortgage Companies
  - [View Full Rankings](https://saferate.com/san-luis-obispo/best-mortgage-lenders/mortgage-companies)
- 🏆 **#7** in San Luis Obispo for Conventional Loans
  - [View Full Rankings](https://saferate.com/san-luis-obispo/best-mortgage-lenders/conventional-loans)
- 🏆 **#10** in San Luis Obispo
  - [View Full Rankings](https://saferate.com/san-luis-obispo/best-mortgage-lenders)

## Frequently Asked Questions

### What loan types does KD CAPITAL MORTGAGE CORPORATION offer?

KD CAPITAL MORTGAGE CORPORATION offers the following mortgage loan types: Conventional, VA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does KD CAPITAL MORTGAGE CORPORATION offer mortgages?

KD CAPITAL MORTGAGE CORPORATION offers mortgages in 1 states: CA.

### How competitive are KD CAPITAL MORTGAGE CORPORATION's mortgage rates?

KD CAPITAL MORTGAGE CORPORATION has a pricing score of 45/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.046% below market average.

### What type of lender is KD CAPITAL MORTGAGE CORPORATION?

KD CAPITAL MORTGAGE CORPORATION is a non-depository lender that specializes in mortgage origination, headquartered in PASO ROBLES, CA.

### What is KD CAPITAL MORTGAGE CORPORATION's loan approval success rate?

KD CAPITAL MORTGAGE CORPORATION has a pull-through score of 52/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

---

## 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/kd-capital-mortgage

### How to Cite

> "KD CAPITAL MORTGAGE CORPORATION Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/kd-capital-mortgage

---

**[View Interactive Profile →](https://saferate.com/lenders/kd-capital-mortgage)**