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We analyzed every closed loan from Kbhs Home Loans — 9.9k loans across 14k applications— and benchmarked them against peer lenders across the 4 Ps of Mortgage Shopping.
Pricing
Mediocre
vs. all lenders
Pull Through
Strong
closing strength
Products
Exceptional
FHA · Conventional · VA · USDA
Place
Strong
Multi-Region · 37 mkts
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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)
Explore another lender or local market
Report Card
Kbhs Home Loans, LLC performance at a glance
| Category | Score | vs. Peers |
|---|---|---|
Overall Performance· Pricing & closing strength | ||
Pricing Rate competitiveness | Below peers +35.1 bps above market avg | |
Pull Through Closing strength | Highly Competitive Top 40% of lenders | |
By Loan Product· Specialization by type | ||
Conventional | Market Leader Top 20% of lenders | |
FHA | Market Leader Top 20% of lenders | |
VA | Market Leader Top 20% of lenders | |
USDA | Industry Standard Top 60% of lenders | |
By Loan Purpose· Transaction purpose mix | ||
Purchase | Market Leader Top 20% of lenders | |
By Location· Geographic coverage | ||
Geographic Reach Coverage footprint | Highly Competitive Top 40% of lenders Multi-Regional38 markets | |
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 |
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 |
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
States Served
10
We count Washington DC as a state
Avg Place Specialization
States with Loan Originations
AZCACOFLIDNCNVSCTXWA
Top Metro Areas by Place Specialization Score
1
Las Vegas, NVMSA
Volume: 1,049Mix: 10.57%of portfolio
Place
Exceptional2
Austin, TXMSA
Volume: 788Mix: 7.94%of portfolio
Place
Exceptional3
San Antonio, TXMSA
Volume: 1,151Mix: 11.59%of portfolio
Place
Exceptional4
Riverside, CAMSA
Volume: 885Mix: 8.91%of portfolio
Place
Exceptional5
Tucson, AZ, AZMSA
Volume: 362Mix: 3.65%of portfolio
Place
Exceptional6
Jacksonville, FL, FLMSA
Volume: 423Mix: 4.26%of portfolio
Place
Exceptional7
Houston, TXMSA
Volume: 816Mix: 8.22%of portfolio
Place
Exceptional8
Yuba City, CA, CAMSA
Volume: 97Mix: 0.98%of portfolio
Place
Exceptional9
Phoenix, AZMSA
Volume: 756Mix: 7.61%of portfolio
Place
Exceptional10
Fresno, CA, CAMSA
Volume: 237Mix: 2.39%of portfolio
Place
StrongShowing 10 of 37 metro areas
Top States by Place Specialization Score
1
NVState
Volume: 1,049Mix: 10.57%of portfolio
Place
Exceptional2
TXState
Volume: 2,977Mix: 29.99%of portfolio
Place
Exceptional3
AZState
Volume: 1,118Mix: 11.26%of portfolio
Place
Exceptional4
CAState
Volume: 2,304Mix: 23.21%of portfolio
Place
Exceptional5
FLState
Volume: 1,497Mix: 15.08%of portfolio
Place
Strong6
NCState
Volume: 471Mix: 4.74%of portfolio
Place
Strong7
WAState
Volume: 195Mix: 1.96%of portfolio
Place
Strong8
COState
Volume: 240Mix: 2.42%of portfolio
Place
Strong9
IDState
Volume: 57Mix: 0.57%of portfolio
Place
Sound10
SCState
Volume: 20Mix: 0.20%of portfolio
Place
SoundHow 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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The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.
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.