Purchase Originations
7,877
Ranked #53 nationally
Median Total Costs
$9,966
+49.2% vs national ($6,680)
↑ $1,329 vs prior year
Median Rate
5.990%
−7.7% vs national (6.490%)
↑ 0.115% vs prior year
Median Origination
$1,640
Median Lender Credits
$58
Cost Rank (500+ vol.)
#541
among lenders with 500+ originations
Denial Rate
7.4%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 3,670 | 6.125% | $6,604 | $1,744 |
| fha | 3,103 | 5.750% | $13,335 | $1,640 |
| va | 1,093 | 5.750% | $5,631 | $0 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Texas | 1,913 | 6.125% | $9,458 | #32 |
| California | 1,813 | 5.990% | $14,436 | #25 |
| Florida | 1,236 | 5.963% | $10,057 | #39 |
| Arizona | 918 | 5.625% | $11,226 | #20 |
| Nevada | 797 | 5.750% | $7,073 | #7 |
| North Carolina | 456 | 5.812% | $6,644 | #60 |
| Colorado | 303 | 5.125% | $8,381 | #52 |
| Washington | 264 | 5.990% | $8,774 | #51 |
| South Carolina | 94 | 6.250% | $5,848 | #124 |
| Idaho | 83 | 5.750% | $10,232 | #50 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $7,062 | 6.125% | — | 142 | −$2,904 | |
| 2 | $7,073 | 5.750% | — | 797 | −$2,893 | |
| 3 | $7,910 | 5.990% | — | 165 | −$2,056 | |
| 4 | $8,167 | 6.125% | — | 331 | −$1,799 | |
| 5 | $9,454 | 5.990% | — | 582 | −$512 | |
| 6 | $9,613 | 4.990% | — | 227 | −$353 | |
| 7 | $9,779 | 6.338% | — | 228 | −$187 | |
| 8 | $9,801 | 5.990% | — | 126 | −$165 | |
| 9 | $10,499 | 5.750% | — | 185 | +$533 | |
| 10 | $10,640 | 5.750% | — | 146 | +$674 | |
| 11 | $10,671 | 5.700% | — | 130 | +$705 | |
| 12 | $10,890 | 5.750% | — | 295 | +$924 | |
| 13 | $11,605 | 5.875% | — | 162 | +$1,639 | |
| 14 | $11,656 | 6.250% | — | 295 | +$1,690 | |
| 15 | $11,863 | 5.625% | — | 493 | +$1,897 | |
| 16 | $13,668 | 6.125% | — | 108 | +$3,702 | |
| 17 | $13,691 | 5.990% | — | 143 | +$3,725 | |
| 18 | $14,483 | 6.013% | — | 116 | +$4,517 | |
| 19 | $16,065 | 5.990% | — | 162 | +$6,099 | |
| 20 | $16,558 | 5.990% | — | 457 | +$6,592 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | KBHS Home Loans, LLC | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $385,000 | $335,000 | +$50,000 (+14.9%) |
| Median total closing costs | $9,966 | $7,127 | +$2,839 (+39.8%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.