Kb Home Mortgage Company Mortgage Lending & HMDA Data, 2005
In 2005, Kb Home Mortgage Company of Las Vegas, NV reported 21,856 mortgage applications totaling $4.5 billion. The average application was for $208,044, and applicants reported an average income of $72,208. 30% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Las Vegas-Paradise, NV (3,238), Riverside-San Bernardino-Ontario, CA (2,943) and Phoenix-Mesa-Scottsdale, AZ (2,175) (applications in parentheses).
| Mortgage Company & Address | Kb Home Mortgage Company 7660 Industrial Rd.,Ste.201b Las Vegas, NV 89139 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2005 |
| Total Number of Mortgage Applications | 21,856 |
| Total Mortgage Loan Application Amount | $4,547,015,000 |
| Average Mortgage Loan Application Amount | $208,044 |
| Highest Mortgage Loan Application Amount | $1,098,000 |
| Average Applicant Income | $72,208 |
| Highest Applicant Income | $3,696,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Kb Home Mortgage Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Clark, Nevada | 3,238 | $ 800,748,000 | $ 247,297 | $ 69,000 |
| Bexar, Texas | 1,730 | $ 190,547,000 | $ 110,142 | $ 49,000 |
| Maricopa, Arizona | 1,685 | $ 315,136,000 | $ 187,024 | $ 61,000 |
| San Bernardino, California | 1,685 | $ 512,190,000 | $ 303,970 | $ 110,000 |
| Riverside, California | 1,258 | $ 357,009,000 | $ 283,790 | $ 93,000 |
| Pima, Arizona | 862 | $ 141,434,000 | $ 164,076 | $ 50,000 |
| Los Angeles, California | 755 | $ 227,353,000 | $ 301,129 | $ 100,000 |
| Orange, Florida | 570 | $ 118,034,000 | $ 207,077 | $ 74,000 |
| Pinal, Arizona | 490 | $ 83,549,000 | $ 170,508 | $ 59,000 |
| Dallas, Texas | 443 | $ 51,249,000 | $ 115,686 | $ 45,000 |
| Harris, Texas | 427 | $ 46,139,000 | $ 108,053 | $ 53,000 |
| Tarrant, Texas | 408 | $ 52,413,000 | $ 128,463 | $ 53,000 |
| Travis, Texas | 401 | $ 46,563,000 | $ 116,117 | $ 47,000 |
| Hillsborough, Florida | 364 | $ 59,515,000 | $ 163,502 | $ 59,000 |
| Osceola, Florida | 350 | $ 70,400,000 | $ 201,142 | $ 91,000 |
| Duval, Florida | 348 | $ 56,132,000 | $ 161,298 | $ 57,000 |
| San Diego, California | 326 | $ 118,650,000 | $ 363,957 | $ 102,000 |
| Bernalillo, New Mexico | 312 | $ 39,417,000 | $ 126,336 | $ 41,000 |
| St. Johns, Florida | 270 | $ 44,753,000 | $ 165,751 | $ 59,000 |
| Polk, Florida | 266 | $ 48,479,000 | $ 182,251 | $ 66,000 |
| Wake, North Carolina | 262 | $ 36,047,000 | $ 137,583 | $ 58,000 |
| Santa Clara, California | 241 | $ 105,996,000 | $ 439,817 | $ 126,000 |
| Williamson, Texas | 210 | $ 27,612,000 | $ 131,485 | $ 51,000 |
| Indian River, Florida | 205 | $ 40,614,000 | $ 198,117 | $ 96,000 |
| Denver, Colorado | 198 | $ 33,571,000 | $ 169,550 | $ 61,000 |
| Pasco, Florida | 193 | $ 36,590,000 | $ 189,585 | $ 66,000 |
| Weld, Colorado | 180 | $ 28,861,000 | $ 160,338 | $ 50,000 |
| Douglas, Colorado | 175 | $ 30,735,000 | $ 175,628 | $ 59,000 |
| Adams, Colorado | 170 | $ 30,974,000 | $ 182,200 | $ 48,000 |
| Sandoval, New Mexico | 155 | $ 21,012,000 | $ 135,561 | $ 52,000 |
| Mecklenburg, North Carolina | 153 | $ 20,514,000 | $ 134,078 | $ 55,000 |
| Lake, Florida | 146 | $ 34,238,000 | $ 234,506 | $ 99,000 |
| Solano, California | 145 | $ 53,463,000 | $ 368,710 | $ 85,000 |
| Flagler, Florida | 136 | $ 24,460,000 | $ 179,852 | $ 89,000 |
| Guadalupe, Texas | 132 | $ 14,579,000 | $ 110,446 | $ 55,000 |
| Hays, Texas | 125 | $ 15,204,000 | $ 121,632 | $ 44,000 |
| Comal, Texas | 118 | $ 11,650,000 | $ 98,728 | $ 36,000 |
| Collin, Texas | 109 | $ 11,603,000 | $ 106,449 | $ 51,000 |
| Jefferson, Colorado | 107 | $ 22,230,000 | $ 207,757 | $ 74,000 |
| Contra Costa, California | 102 | $ 42,072,000 | $ 412,470 | $ 123,000 |
| Arapahoe, Colorado | 91 | $ 16,058,000 | $ 176,461 | $ 58,000 |
| St. Lucie, Florida | 91 | $ 20,817,000 | $ 228,758 | $ 104,000 |
| Brevard, Florida | 88 | $ 17,176,000 | $ 195,181 | $ 168,000 |
| Charlotte, Florida | 88 | $ 19,499,000 | $ 221,579 | $ 86,000 |
| Paulding, Georgia | 88 | $ 12,269,000 | $ 139,420 | $ 52,000 |
| Lee, Florida | 86 | $ 20,252,000 | $ 235,488 | $ 73,000 |
| Larimer, Colorado | 78 | $ 11,988,000 | $ 153,692 | $ 53,000 |
| Cherokee, Georgia | 78 | $ 10,045,000 | $ 128,782 | $ 43,000 |
| Merced, California | 77 | $ 21,100,000 | $ 274,025 | $ 88,000 |
| Monterey, California | 75 | $ 47,091,000 | $ 627,880 | $ 187,000 |
| Nassau, Florida | 70 | $ 10,098,000 | $ 144,257 | $ 79,000 |
| Durham, North Carolina | 68 | $ 8,378,000 | $ 123,205 | $ 47,000 |
| Dorchester, South Carolina | 68 | $ 10,069,000 | $ 148,073 | $ 57,000 |
| Yuba, California | 66 | $ 18,027,000 | $ 273,136 | $ 80,000 |
| Sacramento, California | 65 | $ 23,865,000 | $ 367,153 | $ 109,000 |
| Alameda, California | 59 | $ 38,324,000 | $ 649,559 | $ 172,000 |
| Gwinnett, Georgia | 59 | $ 9,280,000 | $ 157,288 | $ 68,000 |
| Montgomery, Texas | 59 | $ 5,714,000 | $ 96,847 | $ 46,000 |
| Fulton, Georgia | 56 | $ 7,411,000 | $ 132,339 | $ 51,000 |
| San Joaquin, California | 54 | $ 19,568,000 | $ 362,370 | $ 107,000 |
| Forsyth, Georgia | 50 | $ 6,652,000 | $ 133,040 | $ 50,000 |
| Kaufman, Texas | 50 | $ 5,517,000 | $ 110,340 | $ 57,000 |
| Volusia, Florida | 48 | $ 11,315,000 | $ 235,729 | $ 120,000 |
| Denton, Texas | 46 | $ 5,049,000 | $ 109,760 | $ 61,000 |
| Richland, South Carolina | 41 | $ 6,047,000 | $ 147,487 | $ 58,000 |
| Bell, Texas | 38 | $ 5,133,000 | $ 135,078 | $ 71,000 |
| Charleston, South Carolina | 37 | $ 4,790,000 | $ 129,459 | $ 72,000 |
| Union, North Carolina | 34 | $ 4,497,000 | $ 132,264 | $ 40,000 |
| Sutter, California | 33 | $ 9,276,000 | $ 281,090 | $ 85,000 |
| Douglas, Georgia | 33 | $ 4,398,000 | $ 133,272 | $ 59,000 |
| Placer, California | 32 | $ 11,061,000 | $ 345,656 | $ 109,000 |
| Stanislaus, California | 32 | $ 10,848,000 | $ 339,000 | $ 109,000 |
| Orange, California | 30 | $ 16,536,000 | $ 551,200 | $ 173,000 |
| Lake, Illinois | 30 | $ 10,445,000 | $ 348,166 | $ 138,000 |
| DeSoto, Florida | 27 | $ 5,035,000 | $ 186,481 | $ 100,000 |
| Gaston, North Carolina | 27 | $ 3,311,000 | $ 122,629 | $ 49,000 |
| Kenosha, Wisconsin | 27 | $ 5,786,000 | $ 214,296 | $ 82,000 |
| York, South Carolina | 25 | $ 3,824,000 | $ 152,960 | $ 76,000 |
| Imperial, California | 23 | $ 5,821,000 | $ 253,086 | $ 88,000 |
| Lexington, South Carolina | 20 | $ 2,687,000 | $ 134,350 | $ 45,000 |
| Pinellas, Florida | 19 | $ 2,600,000 | $ 136,842 | $ 51,000 |
| Kendall, Texas | 19 | $ 2,269,000 | $ 119,421 | $ 53,000 |
| Ellis, Texas | 17 | $ 2,139,000 | $ 125,823 | $ 44,000 |
| Spartanburg, South Carolina | 16 | $ 2,040,000 | $ 127,500 | $ 59,000 |
| Bastrop, Texas | 16 | $ 1,907,000 | $ 119,187 | $ 54,000 |
| McHenry, Illinois | 15 | $ 3,523,000 | $ 234,866 | $ 89,000 |
| Kern, California | 14 | $ 4,051,000 | $ 289,357 | $ 69,000 |
| Johnson, Texas | 14 | $ 1,874,000 | $ 133,857 | $ 53,000 |
| Coweta, Georgia | 13 | $ 2,032,000 | $ 156,307 | $ 86,000 |
| Rockdale, Georgia | 13 | $ 1,597,000 | $ 122,846 | $ 24,000 |
| Beaufort, South Carolina | 13 | $ 1,643,000 | $ 126,384 | $ 48,000 |
| Fort Bend, Texas | 13 | $ 1,746,000 | $ 134,307 | $ 70,000 |
| Will, Illinois | 11 | $ 2,558,000 | $ 232,545 | $ 98,000 |
| Galveston, Texas | 9 | $ 1,127,000 | $ 125,222 | $ 77,000 |
| Clay, Florida | 8 | $ 1,388,000 | $ 173,500 | $ 51,000 |
| Caldwell, Texas | 7 | $ 950,000 | $ 135,714 | $ 60,000 |
| Florence, South Carolina | 6 | $ 900,000 | $ 150,000 | $ 45,000 |
| Kershaw, South Carolina | 6 | $ 798,000 | $ 133,000 | $ 50,000 |
| Aleutians East, Alaska | 4 | $ 780,000 | $ 195,000 | $ 40,000 |
| Chambers, Texas | 4 | $ 347,000 | $ 86,750 | $ 62,000 |
| Anderson, South Carolina | 3 | $ 355,000 | $ 118,333 | $ 43,000 |
| Fresno, California | 2 | $ 417,000 | $ 208,500 | $ 78,000 |
| Seminole, Florida | 2 | $ 419,000 | $ 209,500 | $ 6,000 |
| Cobb, Georgia | 2 | $ 200,000 | $ 100,000 | $ 42,000 |
| Maverick, Texas | 2 | $ 189,000 | $ 94,500 | $ 29,000 |
| San Mateo, California | 1 | $ 432,000 | $ 432,000 | $ 63,000 |
| Ventura, California | 1 | $ 272,000 | $ 272,000 | $ 58,000 |
| Broward, Florida | 1 | $ 176,000 | $ 176,000 | $ 92,000 |
| Palm Beach, Florida | 1 | $ 314,000 | $ 314,000 | $ 12,000 |
| Sarasota, Florida | 1 | $ 313,000 | $ 313,000 | $ 48,000 |
| Avery, North Carolina | 1 | $ 184,000 | $ 184,000 | $ 51,000 |
| Granville, North Carolina | 1 | $ 167,000 | $ 167,000 | $ 94,000 |
| Johnston, North Carolina | 1 | $ 139,000 | $ 139,000 | $ 114,000 |
| Berkeley, South Carolina | 1 | $ 108,000 | $ 108,000 | $ 20,000 |
| Greenville, South Carolina | 1 | $ 199,000 | $ 199,000 | $ 58,000 |
| Atascosa, Texas | 1 | $ 70,000 | $ 70,000 | $ 43,000 |
Mortgage Loan Application Detail Totals for Kb Home Mortgage Company in 2005
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 21,851 | $4,545,904,000 | $189,923 | $1,098,000 | $65,692 | $3,696,000 |
| Home Improvement | 3 | $565,000 | $188,333 | $248,000 | $56,000 | $85,000 |
| Refinancing | 2 | $546,000 | $273,000 | $328,000 | $59,000 | $72,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 8,787 | $1,698,469,000 | $187,923 | $1,000,000 | $67,307 | $3,600,000 |
| Not Provided | 4,928 | $1,226,984,000 | $180,600 | $1,098,000 | $61,200 | $3,636,000 |
| Hispanic | 4,284 | $765,093,000 | $180,083 | $916,000 | $63,083 | $3,696,000 |
| Asian | 1,913 | $511,830,000 | $208,166 | $839,000 | $78,583 | $1,440,000 |
| Black or African American | 1,605 | $267,724,000 | $182,666 | $744,000 | $57,750 | $986,000 |
| Native Hawaiian or Other Pacific Islander | 230 | $52,653,000 | $197,900 | $682,000 | $66,700 | $420,000 |
| American Indian or Alaskan Native | 109 | $24,262,000 | $188,000 | $774,000 | $67,100 | $312,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 18,152 | $4,003,648,000 | $185,307 | $1,098,000 | $69,923 | $3,696,000 |
| FHA-insured (Federal Housing Administration) | 2,868 | $397,761,000 | $177,916 | $341,000 | $53,666 | $1,920,000 |
| VA-guaranteed (Veterans Administration) | 836 | $145,606,000 | $206,900 | $359,000 | $61,200 | $143,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Application Withdrawn By Applicant | 12,542 | $2,780,022,000 | $191,615 | $1,098,000 | $70,384 | $3,696,000 |
| Loan Originated | 6,484 | $1,216,945,000 | $171,100 | $719,000 | $71,700 | $1,347,000 |
| Application Denied By Financial Institution | 1,456 | $231,077,000 | $187,500 | $664,000 | $32,000 | $720,000 |
| File Closed For Incompleteness | 1,292 | $302,758,000 | $188,454 | $800,000 | $69,272 | $3,636,000 |
| Application Approved But Not Accepted | 82 | $16,213,000 | $196,000 | $599,000 | $81,166 | $342,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 542 | $82,585,000 | $189,900 | $530,000 | $27,800 | $374,000 |
| Credit History | 348 | $55,885,000 | $199,333 | $664,000 | $0 | $36,000 |
| Other | 308 | $49,800,000 | $224,000 | $600,000 | $78,857 | $720,000 |
| Employment History | 45 | $7,670,000 | $186,375 | $396,000 | $32,875 | $131,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 22 | $4,448,000 | $225,142 | $378,000 | $45,857 | $167,000 |
| Credit Application Incomplete | 15 | $2,734,000 | $198,600 | $310,000 | $81,400 | $144,000 |
| Unverifiable Information | 12 | $1,576,000 | $172,400 | $379,000 | $86,000 | $220,000 |
| Collateral | 3 | $924,000 | $308,000 | $397,000 | $107,333 | $156,000 |
| Mortgage Insurance Denied | 1 | $284,000 | $284,000 | $284,000 | $139,000 | $139,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Kb Home Mortgage Company's 2005 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Kb Home Mortgage Company's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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