Mortgage Lender Index

KBHS HOME LOANS, LLC

KBHS HOME LOANS, LLC received 12,875 applications in 2025 and made 8,821 mortgages, in 85 counties across 10 states. The median rate its borrowers got was 5.990% on a median loan of $375,000. Of 9,841 decisions, 963 were denials — 9.8%, most often for debt-to-income ratio. 4 of its applications carried no county and are counted here but on no county page.

Legal Entity Identifier5493002QI2ILHHZH8D20
Applications received12,875
Mortgages made8,821
Denied963
Approved, not taken up57
Withdrawn or incomplete3,034
Loans bought from other lenders0
Median rate spread over the prime offer rate-0.144 points
FDIC-insured bankThis lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name.

By loan purpose

PurposeMortgages madeMedian rateMedian loanDenied
Home purchase8,815 5.990%$375,000 9.8%
Refinancing2 Under 10 loansUnder 10 loans 33.3%
Cash-out refinancing4 Under 10 loansUnder 10 loans 0.0%

Where KBHS HOME LOANS, LLC lends most

The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.

CountyMortgages madeMedian rateDenied
Clark County, NV 9055.875%10.5%
Bexar County, TX 7216.125%11.1%
Maricopa County, AZ 5175.625%4.8%
Riverside County, CA 4915.990%8.8%
Williamson County, TX 3676.250%6.3%
Sacramento County, CA 3316.250%7.5%
Pima County, AZ 3225.750%7.7%
Harris County, TX 2776.500%17.5%
Adams County, CO 2374.990%5.1%
Polk County, FL 2065.875%20.8%
Lake County, FL 1935.990%17.5%
San Joaquin County, CA 1766.113%14.1%
Travis County, TX 1726.125%8.4%
Stanislaus County, CA 1685.990%9.2%
Pasco County, FL 1565.750%8.7%
Brevard County, FL 1546.150%3.7%
Duval County, FL 1485.990%8.6%
Pinal County, AZ 1435.750%8.3%
Los Angeles County, CA 1246.013%6.0%
Fresno County, CA 1216.075%15.7%
Wake County, NC 1145.750%10.8%
San Bernardino County, CA 1086.063%8.5%
Manatee County, FL 1085.650%9.1%
Pierce County, WA 986.125%7.6%
San Diego County, CA 936.125%13.9%
Fort Bend County, TX 936.500%19.1%
Lancaster County, SC 896.250%5.3%
Canyon County, ID 865.750%14.0%
Flagler County, FL 846.175%6.5%
Harnett County, NC 845.750%9.6%
Guadalupe County, TX 846.125%9.7%
St. Johns County, FL 825.990%5.8%
King County, WA 816.075%7.9%
Snohomish County, WA 795.990%10.2%
Solano County, CA 775.990%3.7%
Contra Costa County, CA 745.933%5.1%
Galveston County, TX 726.400%7.7%
Kendall County, TX 715.875%7.8%
Union County, NC 675.875%8.2%
Brazoria County, TX 676.475%4.3%
Alamance County, NC 665.875%5.7%
Waller County, TX 646.375%13.5%
Durham County, NC 635.990%8.7%
Seminole County, FL 616.125%4.7%
Collin County, TX 616.050%11.6%
Denton County, TX 616.125%10.1%
Montgomery County, TX 596.375%10.6%
Placer County, CA 566.000%6.7%
San Benito County, CA 496.200%10.9%
Hillsborough County, FL 465.750%7.7%

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When KBHS HOME LOANS, LLC’s figures are published for the next year, or restated.

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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.