What loan types does KD Capital Mortgage Corporation offer?

KD Capital Mortgage Corporation offers the following mortgage loan types: Conventional, VA. Each product has its own pricing score and performance metrics.

Where does KD Capital Mortgage Corporation offer mortgages?

KD Capital Mortgage Corporation offers mortgages in 1 states: CA.

How competitive are KD Capital Mortgage Corporation's mortgage rates?

KD Capital Mortgage Corporation has an overall pricing score of 45/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is KD Capital Mortgage Corporation?

KD Capital Mortgage Corporation is a Independent Mortgage Company headquartered in PASO ROBLES, CA.

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KD Capital Mortgage Corporation

Independent Mortgage Company•Paso Robles, CAHQ•Direct•Reviews near you on Google

KD Capital Mortgage Corporation has 103 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Sound

3/5

vs. all lenders

Pull-through

Sound

3/5

closing strength

Product

Strong

4/5

Conventional · VA

Place

Exceptional

5/5

Single State · 1 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Awards

Purchase

Superstar

Explore another lender or local market

Report Card

KD Capital Mortgage Corporation performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Sound

Rates 4.6 bps below market avg

3/5

Pull Through

Closing strength

Sound

Top 60% of lenders

3/5

By Loan Product· Specialization by type

Conventional

89 loans · 0.01% below market

Sound

Top 60% of lenders

3/5

10 loans · 0.73% below market

Strong

Top 40% of lenders

4/5

By Loan Purpose· Transaction purpose mix

Purchase

92 loans · 0.02% below market

Sound

Top 60% of lenders

3/5

Refinance

11 loans · 0.25% below market

Mediocre

Bottom 20% of lenders

1/5

By Location· Geographic coverage

Geographic Reach

Single State · 1 markets

Exceptional

Top 20% of lenders

5/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Sound	Sound	Exceptional	89	86.4%	-0.005%Below	$3,491Fees
VA Loans	Strong	Strong	—	—	10	9.7%	-0.734%Below	$3,566Fees

Conventional

Overall

Sound

Product

Sound

Pricing

Sound

Pull Through

Exceptional

Volume89

Mix86.4%

Spread

-0.005%Below

Fees

$3,491Fees

VA Loans

Overall

Strong

Product

Strong

Pricing—

Pull Through—

Volume10

Mix9.7%

Spread

-0.734%Below

Fees

$3,566Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Sound	Sound	Strong	92	89.3%	-0.017%Below	$3,374Fees
Refinance	Mediocre	Mediocre	—	—	11	10.7%	-0.252%Below	$3,874Fees

Purchase

Overall

Sound

Product

Sound

Pricing

Sound

Pull Through

Strong

Volume92

Mix89.3%

Spread

-0.017%Below

Fees

$3,374Fees

Refinance

Overall

Mediocre

Product

Mediocre

Pricing—

Pull Through—

Volume11

Mix10.7%

Spread

-0.252%Below

Fees

$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

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Exceptional

5/5

States with Loan Originations

1Full-year 2024 · HMDA

Loans originated

< 100100+None

West1

Top Metro Areas by Place Specialization Score

San Luis Obispo, CAMetro

Volume 87Mix 84.47% of portfolio

89/100

Exceptional

Top States by Place Specialization Score

CaliforniaState

Volume 103Mix 100.00% of portfolio

65/100

Strong

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.