KBHS Home Loans
We analyzed every closed loan from KBHS Home Loans — 9.9k loans across 14k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Mediocre
1/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA · USDA
Place
Strong
4/5
Multi-Region · 37 mkts
Awards
FHA
Superstar
VA
Superstar
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)
Explore another lender or local market
Report Card
KBHS Home Loans performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Mediocre
+35.1 bps above market avg
Pull Through
Closing strength
Strong
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Exceptional
Top 20% of lenders
FHA
Exceptional
Top 20% of lenders
VA
Exceptional
Top 20% of lenders
USDA
Sound
Top 60% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Exceptional
Top 20% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 38 markets
Strong
Top 40% of lenders
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 5,016 | 50.5% | +0.351%Above | $4,605Fees | ||||
FHA Loans | 3,632 | 36.6% | +0.409%Above | $5,143Fees | ||||
VA Loans | 1,261 | 12.7% | -0.377%Below | $3,621Fees | ||||
USDA Loans | — | — | 11 | 0.1% | -0.208%Below | $4,535Fees |
Conventional
OverallSound
ProductExceptional
PricingMediocre
Pull ThroughStrong
Volume5,016
Mix50.5%
Spread
+0.351%Above
Fees
$4,605Fees
FHA Loans
OverallStrong
ProductExceptional
PricingAcceptable
Pull ThroughStrong
Volume3,632
Mix36.6%
Spread
+0.409%Above
Fees
$5,143Fees
VA Loans
OverallStrong
ProductExceptional
PricingAcceptable
Pull ThroughStrong
Volume1,261
Mix12.7%
Spread
-0.377%Below
Fees
$3,621Fees
USDA Loans
OverallSound
ProductSound
Pricing—
Pull Through—
Volume11
Mix0.1%
Spread
-0.208%Below
Fees
$4,535Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 9,926 | 100.0% | +0.351%Above | $4,760Fees |
Purchase
OverallSound
ProductExceptional
PricingMediocre
Pull ThroughStrong
Volume9,926
Mix100.0%
Spread
+0.351%Above
Fees
$4,760Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
9,928
Applications
13,651
Volume
$3 billion
Pricing & Closing
Avg Rate Spread
+0.351%
vs. market APOR
Avg Net Fees
$4,756
Origination − Credits
Pullthrough Rate
72.7%
Applications → Closed
Typical Borrower
Avg Loan Amount
$402,202
Avg Borrower Income
$136,232
Avg Property Value
$471,940
Geographic Coverage
Geographic Performance
Metro Areas
37
markets with activity
States Served
10
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
10South4
FLNCSCTX
West6
AZCACOIDNVWA
Top Metro Areas by Place Specialization Score
Volume 1,049Mix 10.57% of portfolio
95/100
Exceptional
Volume 788Mix 7.94% of portfolio
92/100
Exceptional
Volume 1,151Mix 11.59% of portfolio
89/100
Exceptional
Volume 885Mix 8.91% of portfolio
85/100
Exceptional
Volume 362Mix 3.65% of portfolio
83/100
Exceptional
Volume 423Mix 4.26% of portfolio
83/100
Exceptional
Volume 816Mix 8.22% of portfolio
83/100
Exceptional
Volume 97Mix 0.98% of portfolio
81/100
Exceptional
Volume 756Mix 7.61% of portfolio
80/100
Exceptional
Volume 237Mix 2.39% of portfolio
80/100
StrongShowing 10 of 37 metro areas
Top States by Place Specialization Score
1
NevadaState
Volume 1,049Mix 10.57% of portfolio
92/100
Exceptional2
TexasState
Volume 2,977Mix 29.99% of portfolio
88/100
Exceptional3
ArizonaState
Volume 1,118Mix 11.26% of portfolio
83/100
Exceptional4
CaliforniaState
Volume 2,304Mix 23.21% of portfolio
83/100
Exceptional5
FloridaState
Volume 1,497Mix 15.08% of portfolio
79/100
Strong6
North CarolinaState
Volume 471Mix 4.74% of portfolio
70/100
Strong7
WashingtonState
Volume 195Mix 1.96% of portfolio
67/100
Strong8
ColoradoState
Volume 240Mix 2.42% of portfolio
66/100
Strong9
IdahoState
Volume 57Mix 0.57% of portfolio
54/100
Sound10
South CarolinaState
Volume 20Mix 0.20% of portfolio
42/100
SoundHow We Rank Lenders
Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.
Our Point System (Max 30 Points)
10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
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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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.