Lenders › Kbhs Home Loans, LLC › Florida
Kbhs Home Loans, LLC in Florida
HMDA record for properties in Florida, calendar year 2024. National record · Florida overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
Kbhs Home Loans, LLC's 2024 HMDA record for Florida covers 2,333 applications, 1,537 of them originated, worth $534m.
Its denial rate in the state was 9.3%, below the Florida rate of 29.0% across all lenders and compared with the lender's national rate of 7.7%.
The median rate spread on its Florida originations was -0.3 percentage points (state median 0.3).
Applications in the state were down 9% on 2023.
Compared with the state and the lender's national record
| Measure | In Florida | Florida, all lenders | Kbhs Home Loans, LLC, all states | United States |
|---|---|---|---|---|
| Denial rate | 9.3% | 29.0% | 7.7% | 24.3% |
| Median rate spread, pp | -0.3 | 0.3 | -0.4 | 0.3 |
| Originations with spread of 1.5 pp or more | 0.2% | 16.4% | 0.5% | 15.6% |
| Average originated loan | $347k | $359k | $398k | $329k |
| Home purchase share | 99.9% | 62.9% | 100.0% | 57.0% |
| FHA-insured share | 36.8% | 17.7% | 35.2% | 13.4% |
| VA-guaranteed share | 15.3% | 9.5% | 12.2% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateFlorida, all lenders
Loan purpose and loan type in Florida
By purpose
Home purchase 100% (1,536)Refinancing 0% (1)
By type
Conventional 48% (736)FHA 37% (566)VA 15% (235)
Denial reasons as coded
Share of 158 denials in Florida by first denial reason coded (outlined bar: all lenders in the state).
Counties in Florida
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Duval County | 232 | 188 | $60m | 4.1% |
| St. Johns County | 233 | 177 | $63m | 8.3% |
| Pasco County | 307 | 173 | $64m | 7.9% |
| Lake County | 251 | 167 | $63m | 9.2% |
| Polk County | 276 | 164 | $51m | 15.5% |
| Brevard County | 197 | 151 | $55m | 5.0% |
| Osceola County | 188 | 131 | $49m | 12.1% |
| Manatee County | 184 | 118 | $40m | 10.4% |
| Flagler County | 144 | 87 | $25m | 9.3% |
| Clay County | 100 | 74 | $23m | 6.2% |
| Hillsborough County | 131 | 70 | $25m | 12.5% |
| Lee County | 49 | 19 | $7.7m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Kbhs Home Loans, LLC originate in Florida in 2024?
1,537 loans totalling $534m, from 2,333 applications reported for properties in Florida.
What is Kbhs Home Loans, LLC's denial rate in Florida?
9.3% of decided applications in Florida were denied, against 29.0% for all lenders in the state and 7.7% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which Florida counties does Kbhs Home Loans, LLC lend in most?
By originations: Duval County (188), St. Johns County (177), Pasco County (173), Lake County (167), Polk County (164).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Florida. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.