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KBHS HOME LOANS, LLC
Independent Mortgage Company|WILMINGTON, DE|Multi-Region
Loans Originated
9,928
Applications
13,651
Volume
$3 billion
Offers loans directly to consumersHomebuilder Lender
Overall Pricing
Mediocre
Overall Pull Through
Strong
Pricing and Pullthrough Overview
Average Rate Spread
+0.351%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$4,756
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
72.7%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA loans
Things to Think About
- Pricing may be below industry average
- Higher than average fees ($4,756)
Report Card
KBHS HOME LOANS, LLC performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Mediocre | Below peers | |
Pull Through Closing Strength | Strong | Highly Competitive | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Exceptional | Market Leader | |
FHA | Exceptional | Market Leader | |
VA | Exceptional | Market Leader | |
USDA | Sound | Industry Standard | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Exceptional | Market Leader | |
Places Geographic coverage | Strong | Multi-Regional · 38 metro areas · 10 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$402,202
Average Borrower Income
$136,232
Average Property Value
$471,940
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Sound | Exceptional | Mediocre | Strong | 5,016 | 50.5% | +0.351% | $4,605 |
FHA Loans | Sound | Exceptional | Acceptable | Strong | 3,632 | 36.6% | +0.409% | $5,143 |
VA Loans | Sound | Exceptional | Acceptable | Strong | 1,261 | 12.7% | -0.377% | $3,621 |
USDA Loans | Sound | Sound | N/A | N/A | 11 | 0.1% | -0.208% | $4,535 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Exceptional | Mediocre | Strong | 9,926 | 100.0% | +0.351% | $4,760 |
Geographic Coverage
Metro Areas
37
States Served
10
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
AZCACOFLIDNCNVSCTXWA
Top Metro Areas by Place Specialization Score
1
Las Vegas, NVMSA
Volume: 1,049Mix: 10.57%
Place Specialization
Exceptional
2
Austin, TXMSA
Volume: 788Mix: 7.94%
Place Specialization
Exceptional
3
San Antonio, TXMSA
Volume: 1,151Mix: 11.59%
Place Specialization
Exceptional
4
Riverside, CAMSA
Volume: 885Mix: 8.91%
Place Specialization
Exceptional
5
Tucson, AZ, AZMSA
Volume: 362Mix: 3.65%
Place Specialization
Exceptional
6
Jacksonville, FL, FLMSA
Volume: 423Mix: 4.26%
Place Specialization
Exceptional
7
Houston, TXMSA
Volume: 816Mix: 8.22%
Place Specialization
Exceptional
8
Yuba City, CA, CAMSA
Volume: 97Mix: 0.98%
Place Specialization
Exceptional
9
Phoenix, AZMSA
Volume: 756Mix: 7.61%
Place Specialization
Exceptional
10
Fresno, CA, CAMSA
Volume: 237Mix: 2.39%
Place Specialization
Strong
Showing 10 of 37 metro areas
Top States by Place Specialization Score
1
NVState
Volume: 1,049Mix: 10.57%
Place Specialization
Exceptional
2
TXState
Volume: 2,977Mix: 29.99%
Place Specialization
Exceptional
3
AZState
Volume: 1,118Mix: 11.26%
Place Specialization
Exceptional
4
CAState
Volume: 2,304Mix: 23.21%
Place Specialization
Exceptional
5
FLState
Volume: 1,497Mix: 15.08%
Place Specialization
Strong
6
NCState
Volume: 471Mix: 4.74%
Place Specialization
Strong
7
WAState
Volume: 195Mix: 1.96%
Place Specialization
Strong
8
COState
Volume: 240Mix: 2.42%
Place Specialization
Strong
9
IDState
Volume: 57Mix: 0.57%
Place Specialization
Sound
10
SCState
Volume: 20Mix: 0.20%
Place Specialization
Sound
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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