Lender in California · HMDA 2025
KBHS Home Loans, LLC mortgages in California
KBHS Home Loans, LLC's 2025 home-purchase and refinance lending in California, compared with all lenders in the state.
KBHS Home Loans, LLC originated 1,846 owner-occupied single-family loans in California from 2,044 completed applications.
Its median conventional purchase loan costs were $9,950 versus $7,920 for all California lenders, at a median 30-year fixed rate of 6.375% (California: 6.625%).
Loans in CA
1,846
of 2,044 applications
Denial rate
8.9%
Purchase · CA 8.9%
Rate spread
+0.03 pts
Conv. · CA +0.09 pts
Loan amount
$545,000
Purchase · CA $575,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 2,041 | 1,843 | 8.9% | 6.375% | +0.03 pts | $9,950 | $545,000 |
| Refinance | 1 | 1 | — | — | — | — | — |
| Cash-out refinance | 2 | 2 | — | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
California counties where KBHS Home Loans, LLC ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| San Benito County | 5 | 45 | 6.6% |
| Stanislaus County | 6 | 164 | 3.5% |
| Yuba County | 6 | 40 | 2.9% |
| San Joaquin County | 9 | 143 | 1.7% |
| Riverside County | 11 | 466 | 1.7% |
| Sacramento County | 12 | 301 | 1.8% |
| Fresno County | 13 | 112 | 1.4% |
| Solano County | 16 | 76 | 1.5% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology