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Kd Capital Mortgage Corporation

Independent Mortgage CompanyPASO ROBLES, CADirect to Consumer

Kd Capital Mortgage has 103 closed loans in our dataset — fully analyzed and benchmarked against peers across the 4 Ps of Mortgage Shopping.

Pricing
Sound
vs. all lenders
Pull Through
Sound
closing strength
Products
Strong
Conventional · VA
Place
Exceptional
Single State · 1 mkts
Safe Rate AwardsConventional Superstar

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Report Card

Kd Capital Mortgage Corporation performance at a glance

CategoryScorevs. Peers
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
Industry Standard
Rates 4.6 bps below market avg
Pull Through
Closing strength
Sound
Industry Standard
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Industry Standard
Top 60% of lenders
VA
Strong
Highly Competitive
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Industry Standard
Top 60% of lenders
Refinance
Mediocre
Below peers
Bottom 20% of lenders
By Location· Geographic coverage
Geographic Reach
Coverage footprint
Exceptional
Market Leader
Top 20% of lenders
Single State1 markets

Loan Product Performance

Performance by Loan Product

Loan TypeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Conventional
Strong
Sound
Sound
Exceptional
8986.4%
-0.005%Below
$3,491Fees
VA Loans
Strong
Strong
109.7%
-0.734%Below
$3,566Fees

Loan Purpose Performance

Performance by Loan Purpose

PurposeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Purchase
Sound
Sound
Sound
Strong
9289.3%
-0.017%Below
$3,374Fees
Refinance
Mediocre
Mediocre
1110.7%
-0.252%Below
$3,874Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
103
Applications
116
Volume
$60 million
Pricing & Closing
Avg Rate Spread
-0.046%
vs. market APOR
Avg Net Fees
$3,436
Origination − Credits
Pullthrough Rate
88.8%
Applications → Closed
Typical Borrower
Avg Loan Amount
$584,709
Avg Borrower Income
$203,311
Avg Property Value
$813,738

Geographic Coverage

Geographic Performance

Metro Areas
1
States Served
1
We count Washington DC as a state
Avg Place Specialization
Exceptional

States with Loan Originations

CA

Top Metro Areas by Place Specialization Score

1
San Luis Obispo, CAMSA
Volume: 87Mix: 84.47%of portfolio
Place
Exceptional

Top States by Place Specialization Score

1
CAState
Volume: 103Mix: 100.00%of portfolio
Place
Strong

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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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.