Kbhs Home Loans at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the B grade breaks down
Each component is a percentile rank among 581 mid-size mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
51st9.8% deniedPricingmedian rate spread over APOR, weight 30%
90th-0.14 ptsProcesswithdrawn + incomplete share, weight 15%
22nd23.6%Closing coststotal loan costs ÷ loan amount, weight 10%
36th2.63% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 15,306 | 9,295 | 8.4% | 12.0% | 5.88% | $3.6B |
| 2024 | 14,390 | 10,309 | 6.0% | 7.8% | 5.88% | $4.1B |
| 2025 | 12,875 | 8,821 | 7.5% | 9.8% | 5.99% | $3.5B |
What Kbhs Home Loans lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 0 manufactured homes, 580 investment properties.
Why Kbhs Home Loans denies applications
Primary reason reported for each of the 963 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Kbhs Home Loans
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 247 | 108 | 35.9% |
| $50k – $100k | 3,967 | 2,632 | 13.1% |
| $100k – $150k | 4,390 | 3,154 | 7.2% |
| $150k – $250k | 3,121 | 2,225 | 6.0% |
| Over $250k | 921 | 601 | 7.9% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 681 | 477 | 8.9% |
| 25–34 | 4,219 | 3,076 | 8.0% |
| 35–44 | 3,392 | 2,341 | 10.6% |
| 45–54 | 2,141 | 1,398 | 13.1% |
| 55–64 | 1,483 | 915 | 10.9% |
| 65–74 | 756 | 487 | 7.2% |
| Over 74 | 203 | 127 | 4.4% |
Where Kbhs Home Loans lends
10 states and 85 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Texas | 3,359 | 2,250 | 8.3% | 6.25% | #55 |
| California | 3,092 | 2,009 | 6.8% | 6.05% | #66 |
| Florida | 2,151 | 1,371 | 8.5% | 5.99% | #89 |
| Arizona | 1,205 | 982 | 5.5% | 5.68% | #58 |
| Nevada | 1,132 | 905 | 9.5% | 5.88% | #28 |
| North Carolina | 748 | 493 | 6.6% | 5.88% | #106 |
| Colorado | 463 | 315 | 4.1% | 5.13% | #109 |
| Washington | 422 | 280 | 5.7% | 6.00% | #116 |
| Idaho | 169 | 120 | 8.3% | 5.75% | #93 |
| South Carolina | 134 | 96 | 7.5% | 6.25% | #221 |
Frequently asked questions
Kbhs Home Loans denied 9.8% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 51st percentile of mid-size mortgage lenders.
The most common reason Kbhs Home Loans gave in 2025 was "debt-to-income ratio", cited on 57.5% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans Kbhs Home Loans originated in 2025 was 5.99%, and its median rate spread over the average prime offer rate was -0.14 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 100% of its applications were for home purchases, 0% for refinancing (including cash-out), and 0% for home improvement or other purposes. By loan type: 49% conventional, 38% FHA, 12% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.