Kbhs Home Loans in California vs the state
6.8%Denial rate-10.60 pts vs state
9.4%Decision denial rate-12.97 pts vs state
65.0%Origination rate+8.77 pts vs state
6.05%Median rate-0.58 pts vs state
-0.03Rate spread (pts)-0.30 pts vs state
$158kMedian applicant income
2,009Loans originated
211Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 3,159 | 1,813 | 6.8% | 5.95% | #52 |
| 2024 | 3,668 | 2,467 | 5.0% | 5.99% | #50 |
| 2025 | 3,092 | 2,009 | 6.8% | 6.05% | #66 |
What Kbhs Home Loans lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Kbhs Home Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Riverside County | 781 | 491 | 48 | 6.1% |
| Sacramento County | 527 | 331 | 27 | 5.1% |
| San Joaquin County | 266 | 176 | 29 | 10.9% |
| Stanislaus County | 220 | 168 | 17 | 7.7% |
| Fresno County | 187 | 121 | 23 | 12.3% |
| Los Angeles County | 182 | 124 | 8 | 4.4% |
| San Diego County | 162 | 93 | 15 | 9.3% |
| San Bernardino County | 161 | 108 | 10 | 6.2% |
| Solano County | 104 | 77 | 3 | 2.9% |
| Contra Costa County | 100 | 74 | 4 | 4.0% |
Other large lenders in California
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 79,261 | 12.6% | 6.49% |
| Rocket Mortgage | C | 58,925 | 17.6% | 6.75% |
| Bank of America | F | 40,190 | 30.8% | 5.99% |
| U.S. Bank | D | 32,493 | 31.6% | 6.50% |
| JPMorgan Chase Bank | B | 22,048 | 9.7% | 6.13% |
| Spring Eq | D | 21,601 | 50.8% | 8.88% |
| Schoolsfirst | A | 19,086 | 10.0% | 6.25% |
| Pennymac Loan Services | C | 18,754 | 13.5% | 6.50% |
| Newrez | D | 17,000 | 19.3% | 6.63% |
| Loandepot.Com | D | 16,645 | 18.7% | 6.63% |
Frequently asked questions
California: 3,092 applications in 2025, of which 2,009 were originated and 211 denied.
6.8% of all applications, or 9.4% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Kbhs Home Loans originated in California in 2025 was 6.05%, against a statewide median of 6.63%.
About this data. Figures are Kbhs Home Loans's own HMDA filing for properties located in California, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology