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
Promptness
Not enough data
—/5
No quote responses measured yet
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
1/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
5,016 loans · 0.35% above market
Exceptional
Top 20% of lenders
5/5
FHA
3,632 loans · 0.41% above market
Exceptional
Top 20% of lenders
5/5
VA
1,261 loans · 0.38% below market
Exceptional
Top 20% of lenders
5/5
USDA
11 loans · 0.21% below market
Sound
Top 60% of lenders
3/5
By Loan Purpose· Transaction purpose mix
Purchase
9,926 loans · 0.35% above market
Exceptional
Top 20% of lenders
5/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 38 markets
Strong
Top 40% of lenders
4/5
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
10Full-year 2024 · HMDALoans originated
< 5050–200200–1,0001,000+None
South4
FLNCSCTX
West6
AZCACOIDNVWA
Top Metro Areas by Place Specialization Score
Showing 10 of 37 metro areas
Top States by Place Specialization Score
How We Rank Lenders
Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.
Our Point System (Max 50 Points)
10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion(80%+ = 40-50 points)
Superstar(60-79% = 30-39 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.