Kbhs Home Loans, LLC Mortgage Lending & HMDA Data, 2022
In 2022, Kbhs Home Loans, LLC of Chicago, IL reported 16,159 mortgage applications totaling $6.5 billion, up 8% from 2021. The average application was for $402,686, and applicants reported an average income of $132,057. 53% of its applications resulted in an originated loan and 8% were denied. Its largest markets were San Antonio-New Braunfels, TX (1,590), Las Vegas-Henderson-Paradise, NV (1,514) and Houston-The Woodlands-Sugar Land, TX (1,358) (applications in parentheses).
| Mortgage Company & Address | Kbhs Home Loans, LLC Chicago, IL 60613 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 |
| Total Number of Mortgage Applications | 16,159 |
| Total Mortgage Loan Application Amount | $6,507,005,000 |
| Average Mortgage Loan Application Amount | $402,686 |
| Highest Mortgage Loan Application Amount | $1,855,000 |
| Average Applicant Income | $132,057 |
| Highest Applicant Income | $5,781,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Kbhs Home Loans, LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| San Antonio-New Braunfels, TX | 1,590 | $ 507,890,000 | $ 319,427 | $ 105,000 |
| Las Vegas-Henderson-Paradise, NV | 1,514 | $ 589,260,000 | $ 389,207 | $ 141,000 |
| Houston-The Woodlands-Sugar Land, TX | 1,358 | $ 356,520,000 | $ 262,533 | $ 97,000 |
| Austin-Round Rock, TX | 1,356 | $ 480,020,000 | $ 353,997 | $ 115,000 |
| Jacksonville, FL | 1,287 | $ 381,635,000 | $ 296,530 | $ 105,000 |
| Riverside-San Bernardino-Ontario, CA | 1,210 | $ 621,710,000 | $ 513,809 | $ 156,000 |
| Phoenix-Mesa-Scottsdale, AZ | 776 | $ 252,980,000 | $ 326,005 | $ 103,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 707 | $ 356,975,000 | $ 504,915 | $ 178,000 |
| Denver-Aurora-Lakewood, CO | 623 | $ 308,355,000 | $ 494,951 | $ 165,000 |
| Lakeland-Winter Haven, FL | 612 | $ 197,350,000 | $ 322,467 | $ 95,000 |
| Tucson, AZ | 520 | $ 154,910,000 | $ 297,903 | $ 112,000 |
| Orlando-Kissimmee-Sanford, FL | 506 | $ 174,940,000 | $ 345,731 | $ 112,000 |
| Stockton-Lodi, CA | 370 | $ 187,680,000 | $ 507,243 | $ 160,000 |
| Los Angeles-Long Beach-Glendale, CA | 347 | $ 250,255,000 | $ 721,195 | $ 221,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 321 | $ 257,235,000 | $ 801,355 | $ 216,000 |
| Raleigh, NC | 307 | $ 120,715,000 | $ 393,208 | $ 125,000 |
| Dallas-Plano-Irving, TX | 300 | $ 117,550,000 | $ 391,833 | $ 134,000 |
| San Diego-Carlsbad, CA | 251 | $ 172,015,000 | $ 685,318 | $ 221,000 |
| North Port-Sarasota-Bradenton, FL | 174 | $ 59,590,000 | $ 342,471 | $ 131,000 |
| Anaheim-Santa Ana-Irvine, CA | 170 | $ 118,430,000 | $ 696,647 | $ 196,000 |
| Modesto, CA | 161 | $ 79,415,000 | $ 493,260 | $ 141,000 |
| Tampa-St. Petersburg-Clearwater, FL | 150 | $ 53,100,000 | $ 354,000 | $ 117,000 |
| Boulder, CO | 131 | $ 54,975,000 | $ 419,656 | $ 150,000 |
| Fresno, CA | 131 | $ 54,585,000 | $ 416,679 | $ 124,000 |
| Seattle-Bellevue-Everett, WA | 120 | $ 73,000,000 | $ 608,333 | $ 158,000 |
| Tacoma-Lakewood, WA | 113 | $ 64,285,000 | $ 568,893 | $ 161,000 |
| Greeley, CO | 111 | $ 52,695,000 | $ 474,729 | $ 156,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 83 | $ 44,785,000 | $ 539,578 | $ 169,000 |
| Vallejo-Fairfield, CA | 82 | $ 46,210,000 | $ 563,536 | $ 150,000 |
| Oakland-Hayward-Berkeley, CA | 76 | $ 50,440,000 | $ 663,684 | $ 194,000 |
| Fort Worth-Arlington, TX | 69 | $ 21,615,000 | $ 313,260 | $ 99,000 |
| Fort Collins, CO | 68 | $ 28,270,000 | $ 415,735 | $ 132,000 |
| Madera, CA | 67 | $ 23,435,000 | $ 349,776 | $ 211,000 |
| Killeen-Temple, TX | 60 | $ 17,320,000 | $ 288,666 | $ 93,000 |
| Santa Rosa, CA | 54 | $ 34,620,000 | $ 641,111 | $ 185,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 53 | $ 15,755,000 | $ 297,264 | $ 138,000 |
| Palm Bay-Melbourne-Titusville, FL | 52 | $ 18,670,000 | $ 359,038 | $ 123,000 |
| Cape Coral-Fort Myers, FL | 50 | $ 11,170,000 | $ 223,400 | $ 87,000 |
| Fayetteville, NC | 48 | $ 16,440,000 | $ 342,500 | $ 129,000 |
| Durham-Chapel Hill, NC | 40 | $ 14,990,000 | $ 374,750 | $ 110,000 |
| San Rafael, CA | 32 | $ 22,420,000 | $ 700,625 | $ 210,000 |
| Yuba City, CA | 18 | $ 8,310,000 | $ 461,666 | $ 125,000 |
| Boise City, ID | 5 | $ 2,125,000 | $ 425,000 | $ 107,000 |
| Outside any metro area | 4 | $ 1,340,000 | $ 335,000 | $ 195,000 |
| Olympia-Tumwater, WA | 3 | $ 1,545,000 | $ 515,000 | $ 198,000 |
| Sherman-Denison, TX | 3 | $ 475,000 | $ 158,333 | $ 85,000 |
| Reno, NV | 2 | $ 700,000 | $ 350,000 | $ 246,000 |
| Bakersfield, CA | 1 | $ 345,000 | $ 345,000 | $ 83,000 |
| Charlotte-Concord-Gastonia, NC-SC | 1 | $ 325,000 | $ 325,000 | $ 75,000 |
| Ocala, FL | 1 | $ 165,000 | $ 165,000 | $ 36,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 1 | $ 535,000 | $ 535,000 | $ 162,000 |
| Salinas, CA | 1 | $ 575,000 | $ 575,000 | $ 200,000 |
Mortgage Loan Application Detail Totals for Kbhs Home Loans, LLC in 2022
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 | 16,122 | $6,494,470,000 | $402,000 | $1,855,000 | $132,000 | $5,781,000 |
| Cash-out Refinancing | 20 | $7,360,000 | $368,000 | $965,000 | $145,000 | $300,000 |
| Refinancing | 17 | $5,175,000 | $304,000 | $575,000 | $171,000 | $475,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 4,360 | $1,724,550,000 | $395,000 | $1,855,000 | $132,000 | $2,250,000 |
| Hispanic | 3,461 | $1,266,725,000 | $365,000 | $1,145,000 | $108,000 | $932,000 |
| Asian | 2,990 | $1,371,520,000 | $458,000 | $1,565,000 | $160,000 | $3,537,000 |
| Not Provided | 2,441 | $1,003,025,000 | $410,000 | $1,845,000 | $141,000 | $1,398,000 |
| Black or African American | 1,945 | $698,335,000 | $359,000 | $1,245,000 | $105,000 | $953,000 |
| Native Hawaiian or Other Pacific Islander | 49 | $21,275,000 | $434,000 | $695,000 | $132,000 | $371,000 |
| American Indian or Alaskan Native | 36 | $13,970,000 | $388,000 | $695,000 | $101,000 | $176,000 |
| Not applicable | 3 | $1,095,000 | $365,000 | $385,000 | $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) | 10,797 | $4,431,005,000 | $410,000 | $1,855,000 | $148,000 | $5,781,000 |
| FHA-insured (Federal Housing Administration) | 3,469 | $1,279,285,000 | $368,000 | $975,000 | $100,000 | $953,000 |
| VA-guaranteed (Veterans Administration) | 1,830 | $777,080,000 | $424,000 | $1,245,000 | $104,000 | $500,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 63 | $19,635,000 | $311,000 | $575,000 | $88,000 | $142,000 |
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 |
|---|---|---|---|---|---|---|
| Loan Originated | 8,597 | $3,344,775,000 | $389,000 | $1,725,000 | $129,000 | $1,950,000 |
| Application Withdrawn By Applicant | 6,172 | $2,601,440,000 | $421,000 | $1,855,000 | $143,000 | $5,781,000 |
| Application Denied By Financial Institution | 1,286 | $518,590,000 | $403,000 | $1,435,000 | $105,000 | $692,000 |
| Application Approved But Not Accepted | 101 | $41,105,000 | $406,000 | $1,045,000 | $142,000 | $510,000 |
| Loan Purchased By The Institution | 3 | $1,095,000 | $365,000 | $385,000 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 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 |
|---|---|---|---|---|---|---|
| Not applicable | 14,873 | $5,988,415,000 | $402,000 | $1,855,000 | $135,000 | $5,781,000 |
| Debt-To-Income Ratio | 663 | $273,375,000 | $412,000 | $1,435,000 | $90,000 | $370,000 |
| Credit Application Incomplete | 246 | $101,310,000 | $411,000 | $1,005,000 | $129,000 | $675,000 |
| Unverifiable Information | 150 | $55,820,000 | $372,000 | $825,000 | $114,000 | $558,000 |
| Credit History | 96 | $40,110,000 | $417,000 | $1,115,000 | $119,000 | $406,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 75 | $28,865,000 | $384,000 | $1,045,000 | $118,000 | $692,000 |
| Other | 26 | $7,420,000 | $285,000 | $495,000 | $143,000 | $498,000 |
| Employment History | 22 | $8,690,000 | $395,000 | $1,045,000 | $88,000 | $175,000 |
| Collateral | 7 | $2,495,000 | $356,000 | $555,000 | $121,000 | $328,000 |
| Mortgage Insurance Denied | 1 | $505,000 | $505,000 | $505,000 | $143,000 | $143,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Kbhs Home Loans, LLC's 2022 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 Kbhs Home Loans, LLC'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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