Applications / Mortgage Analytics / Lenders / Texas / KBHS Home Loans
Irving, TX · Independent non-bank lender · CFPB · 8,821 loans in 2025
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8,821
loans originated, 2025
12,875
applications, 2025
10
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
KBHS Home Loans lends almost only for home purchases, in 10 states, and its originations fell 14% in 2025 while similar lenders grew.
Originations fell 14% to 8,821 from 10,309, while similar lenders (independent non-bank lenders making between half and twice as many loans) grew 14% and the whole market 10%. Home purchases were 99.9% of its lending, so with no refinancing to offset it, its volume may follow home buying in the markets it serves; county detail would show where the fall came from.
FHA loans (insured by the Federal Housing Administration) were 38.8% of its lending, against 24.9%, and VA loans (guaranteed by the Department of Veterans Affairs) 12.6%, against 7.7%. Only 0.4% were higher-priced (a rate well above the average for similar loans), against 3.5%, and its typical rate, 5.99%, was lower than about nine in ten similar lenders'.
It made 57.6% of its loans in majority-minority areas, against 25.3%, more than nearly all similar lenders. Its share to LMI (low- and moderate-income) borrowers was 19.4%, against 30.0%, lower than about four in five of them; its larger typical loan, $375,000 against $305,000, may explain this.
It ranked 7 of 489 in Las Vegas-Henderson-North Las Vegas, with 2.1% of lending, down from 2.5%, and its share also fell in San Antonio, Austin, Riverside and Phoenix, in line with its lower volume. In Burlington, NC, entered in 2024, it rose from 0.1% to 1.6%.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. KBHS Home Loans took 12,875 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 99.9% · Refinance 0.1%
Conventional 48.5% · FHA 38.8% · VA 12.6% · USDA (RHS or FSA) 0.1% · of 8,821 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Texas | 2,250 | 25.5% |
| California | 2,009 | 22.8% |
| Florida | 1,371 | 15.5% |
| Arizona | 982 | 11.1% |
| Nevada | 905 | 10.3% |
| North Carolina | 493 | 5.6% |
| Colorado | 315 | 3.6% |
| Washington | 280 | 3.2% |
| Idaho | 120 | 1.4% |
| South Carolina | 96 | 1.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Las Vegas-Henderson-North Las Vegas | 905 |
| San Antonio-New Braunfels | 876 |
| Phoenix-Mesa-Chandler | 660 |
| Houston-Pasadena-The Woodlands | 632 |
| Riverside-San Bernardino-Ontario | 599 |
| Austin-Round Rock-San Marcos | 551 |
| Sacramento-Roseville-Folsom | 387 |
| Orlando-Kissimmee-Sanford | 344 |
| Tucson | 322 |
| Denver-Aurora-Centennial | 297 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493002QI2ILHHZH8D20 | 2018–2025 |
| Respondent ID (the HMDA filer code before 2018) | 7813798202 |
Established 7 September 2016. Reported under HMDA 2017-2025.
Mergers, name changes, data editions and corrections: KBHS Home Loans's data.
KBHS Home Loans's data
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