Mortgage lenders in Kern County
14,913 mortgages were made in Kern County, California, in 2025, by 483 lenders. The median rate their borrowers got was 6.625% on a median loan of $275,000. Of 21,000 decisions, 4,778 were denials — 22.8%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 1,788 | 6.125% | $345,000 | 13.3% |
| Rocket Mortgage, LLC | 1,169 | 6.750% | $255,000 | 21.5% |
| VALLEY STRONG CREDIT UNION | 824 | 8.000% | $75,000 | 24.4% |
| KIND LENDING, LLC | 464 | 6.375% | $325,000 | 20.2% |
| GOLDEN EMPIRE MORTGAGE, INC. | 462 | 6.125% | $305,000 | 4.7% |
| MORIA DEVELOPMENT, INC. | 459 | 6.500% | $295,000 | 0.0% |
| LENNAR MORTGAGE, LLC | 416 | 5.625% | $405,000 | 13.1% |
| OCMBC, INC. | 321 | 6.875% | $275,000 | 6.0% |
| Loandepot.Com, LLC | 310 | 6.500% | $275,000 | 34.4% |
| DHI MORTGAGE COMPANY, LTD. | 309 | 5.500% | $405,000 | 10.6% |
| SAFE 1 CREDIT UNION | 289 | 7.500% | $75,000 | 11.9% |
| FREEDOM MORTGAGE CORPORATION | 262 | 6.250% | $365,000 | 13.8% |
| PENNYMAC LOAN SERVICES, LLC | 257 | 6.499% | $285,000 | 26.1% |
| Sierra Pacific Mortgage Company, Inc. | 221 | 6.375% | $345,000 | 8.6% |
| DIGNIFIED HOME LOANS, LLC | 210 | 6.500% | $345,000 | 0.0% |
| FlexPoint, Inc. | 200 | 6.500% | $305,000 | 2.9% |
| THE LOAN STORE, INC. | 194 | 6.990% | $245,000 | 12.6% |
| Navy Federal Credit Union | 188 | 7.563% | $155,000 | 34.8% |
| Bank of America, National Association | 167 | 6.490% | $105,000 | 61.9% |
| NEWREZ LLC | 166 | 6.625% | $275,000 | 37.3% |
| STRATA Credit Union | 163 | 7.500% | $75,000 | 34.7% |
| Broker Solutions, Inc. | 162 | 6.750% | $280,000 | 20.9% |
| JPMorgan Chase Bank, National Association | 155 | 6.625% | $235,000 | 19.2% |
| Mortgage Research Center, LLC | 142 | 6.250% | $355,000 | 32.1% |
| CROSSCOUNTRY MORTGAGE, INC. | 142 | 6.750% | $320,000 | 8.6% |
| FIGURE LENDING LLC | 140 | 8.400% | $65,000 | 22.0% |
| U.S. Bank National Association | 134 | 8.050% | $110,000 | 60.2% |
| NATIONSTAR MORTGAGE LLC | 133 | 7.500% | $165,000 | 24.0% |
| K. HOVNANIAN AMERICAN MORTGAGE, L.L.C. | 130 | 5.125% | $455,000 | 13.3% |
| SPRING EQ, LLC | 123 | 9.650% | $75,000 | 64.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 122 | 6.625% | $315,000 | 4.6% |
| Kiavi Funding, Inc. | 110 | 9.950% | $225,000 | 8.3% |
| Fairway Independent Mortgage Corporation | 104 | 6.500% | $235,000 | 6.8% |
| MLD MORTGAGE INC. | 103 | 6.500% | $285,000 | 3.4% |
| ROYAL PACIFIC FUNDING CORP. | 101 | 6.375% | $275,000 | 0.0% |
| Coastal Community Bank | 88 | 10.115% | $55,000 | 7.2% |
| Nations Lending Corporation | 86 | 6.625% | $345,000 | 2.8% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 82 | 10.050% | $115,000 | 16.5% |
| Paramount Residential Mortgage Group, Inc. | 79 | 6.500% | $295,000 | 4.8% |
| POINT MORTGAGE CORPORATION | 75 | 6.490% | $265,000 | 0.0% |
| GUILD MORTGAGE COMPANY | 74 | 6.625% | $245,000 | 7.8% |
| JMAC LENDING, INC. | 73 | 6.125% | $365,000 | 4.0% |
| CMG MORTGAGE, INC. | 70 | 6.125% | $440,000 | 10.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 69 | 6.500% | $345,000 | 9.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 67 | 6.250% | $315,000 | 1.5% |
| THE GOLDEN 1 | 65 | 7.875% | $95,000 | 49.3% |
| AMWEST FUNDING CORP. | 61 | 7.250% | $215,000 | 12.9% |
| Wells Fargo Bank, National Association | 60 | 6.500% | $215,000 | 33.3% |
| GoodLeap, LLC | 59 | 7.125% | $85,000 | 18.8% |
| EVERETT FINANCIAL, INC. | 58 | 6.625% | $275,000 | 4.7% |
| Commerce Home Mortgage, Inc. | 58 | 7.125% | $265,000 | 15.9% |
| Equity Prime Mortgage LLC | 52 | 6.625% | $330,000 | 26.8% |
| Hometown Equity Mortgage, LLC | 51 | 7.000% | $295,000 | 42.7% |
| CARRINGTON MORTGAGE SERVICES, LLC | 49 | 6.500% | $205,000 | 55.4% |
| UNION HOME MORTGAGE CORP. | 49 | 6.125% | $295,000 | 8.2% |
| ALAMEDA MORTGAGE CORPORATION | 49 | 6.250% | $355,000 | 3.9% |
| AmeriSave Mortgage Corporation | 48 | 7.813% | $85,000 | 75.6% |
| BETTER MORTGAGE CORPORATION | 48 | 7.188% | $235,000 | 29.0% |
| SCHOOLSFIRST | 47 | 6.875% | $105,000 | 23.5% |
| Tri Counties Bank | 47 | 5.990% | $255,000 | 40.0% |
| PLAZA HOME MORTGAGE, INC. | 47 | 7.125% | $255,000 | 40.7% |
| 21st Mortgage Corporation | 46 | 10.600% | $105,000 | 66.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 46 | 6.000% | $330,000 | 17.6% |
| TRIAD FINANCIAL SERVICES, INC. | 45 | 8.750% | $95,000 | 38.1% |
| AMERITRUST MORTGAGE CORPORATION | 45 | 7.000% | $305,000 | 8.2% |
| MERCHANTS MORTGAGE & TRUST CORPORATION, LLC | 45 | 10.000% | $205,000 | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 44 | 6.188% | $365,000 | 28.7% |
| DAS Acquisition Company, LLC | 43 | 6.500% | $315,000 | 2.0% |
| GUARANTEED RATE, INC. | 42 | 6.500% | $315,000 | 17.5% |
| MICHIGAN MUTUAL, INC. | 42 | 6.500% | $425,000 | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 40 | 6.495% | $215,000 | 31.7% |
| Lendage, LLC | 40 | 11.250% | $55,000 | 17.3% |
| CHAMPIONS FUNDING, LLC | 39 | 7.250% | $315,000 | 18.8% |
| Peak Residential Lending Inc | 38 | 6.625% | $310,000 | 0.0% |
| CAKE MORTGAGE CORP. | 38 | 7.563% | $290,000 | 9.5% |
| LOGIX FEDERAL CREDIT UNION | 37 | 6.625% | $85,000 | 28.3% |
| NEW WAVE LENDING GROUP INC | 37 | 7.250% | $355,000 | 0.0% |
| PLANET HOME LENDING, LLC | 36 | 5.990% | $350,000 | 20.0% |
| LAKEVIEW LOAN SERVICING, LLC | 34 | 6.870% | $175,000 | 64.1% |
| ZILLOW HOME LOANS, LLC | 33 | 6.250% | $315,000 | 10.8% |
| SOFI BANK, NATIONAL ASSOCIATION | 32 | 7.995% | $160,000 | 23.3% |
| FIRST COLONY MORTGAGE CORPORATION | 31 | 6.625% | $315,000 | 2.8% |
| Third Federal Savings and Loan Association of Cleveland | 30 | 6.990% | $105,000 | 34.8% |
| NATIONS DIRECT MORTGAGE, LLC | 29 | 6.250% | $275,000 | 9.4% |
| NEXERA HOLDING LLC | 29 | 7.750% | $315,000 | 3.3% |
| CASTLE & COOKE MORTGAGE, LLC | 29 | 6.000% | $405,000 | 0.0% |
| Firefighters First Federal Credit Union | 28 | 8.000% | $155,000 | 3.5% |
| ALLIANT CREDIT UNION | 27 | 9.250% | $155,000 | 39.1% |
| Self-Help Federal Credit Union | 26 | 8.188% | $245,000 | 15.6% |
| HOMEXPRESS MORTGAGE CORP. | 25 | 7.625% | $215,000 | 55.4% |
| AUGUSTA FINANCIAL, INC. | 25 | 6.250% | $405,000 | 0.0% |
| Citadel Servicing Corporation | 24 | 7.250% | $240,000 | 4.6% |
| ML Mortgage Corp. | 24 | 6.933% | $260,000 | 7.4% |
| CHEVRON Federal Credit Union | 23 | 7.500% | $125,000 | 28.1% |
| GEO-CORP, INC. | 23 | 6.990% | $375,000 | 4.2% |
| CAMPOS FINANCIAL CORP. | 23 | 6.250% | $345,000 | 0.0% |
| BMO Bank National Association | 22 | 8.180% | $235,000 | 60.7% |
| Home Mortgage Alliance Corporation (HMAC) | 22 | 6.990% | $355,000 | 24.2% |
| LONGBRIDGE FINANCIAL, LLC | 22 | 6.313% | $145,000 | 4.2% |
| PHH Mortgage Corporation | 21 | 6.500% | $185,000 | 24.1% |
| FBC MORTGAGE, LLC | 21 | 5.625% | $505,000 | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 20 | 6.688% | $295,000 | 0.0% |
| PNC Bank, National Association | 19 | 7.990% | $145,000 | 48.7% |
| USAA Federal Savings Bank | 19 | 6.125% | $365,000 | 31.0% |
| RESICENTRAL, LLC | 19 | 6.250% | $305,000 | 11.5% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 18 | 10.115% | $190,000 | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | 18 | 6.063% | $190,000 | 16.7% |
| FRANKLIN LOAN CORPORATION | 18 | 6.313% | $265,000 | 10.0% |
| LoanUnited.com, LLC | 17 | 6.000% | $425,000 | 26.1% |
| A&D Mortgage LLC | 17 | 6.750% | $245,000 | 18.2% |
| AHL FUNDING | 17 | 6.750% | $305,000 | 0.0% |
| NQM FUNDING, LLC | 17 | 7.375% | $345,000 | 10.0% |
| Citibank, National Association | 16 | 6.750% | $185,000 | 51.5% |
| AMERIHOME MORTGAGE COMPANY, LLC | 16 | 6.375% | $315,000 | 38.5% |
| GENWAY HOME MORTGAGE, INC. | 15 | 6.875% | $235,000 | 61.5% |
| NMSI, INC. | 15 | 6.500% | $395,000 | 0.0% |
| The Federal Savings Bank | 14 | 6.688% | $280,000 | 12.5% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 14 | 7.749% | $250,000 | 36.0% |
| 9845005BP6974AE5D838 | 14 | 7.062% | $290,000 | 11.1% |
| Easy Street Capital, LLC | 14 | 9.900% | $235,000 | 0.0% |
| 254900M2C4Q6DATP2889 | 13 | 6.250% | $235,000 | 50.0% |
| WESCOM CENTRAL CREDIT UNION | 13 | 8.500% | $115,000 | 53.6% |
| DEEPHAVEN MORTGAGE LLC | 13 | 7.625% | $225,000 | 48.0% |
| Valon Mortgage, Inc. | 13 | 10.400% | $65,000 | 15.0% |
| Click n' Close, Inc. | 13 | 6.375% | $225,000 | 0.0% |
| NexBank | 13 | 6.500% | $285,000 | 7.1% |
| Discover Bank | 12 | 8.765% | $65,000 | 87.5% |
| PENTAGON FEDERAL CREDIT UNION | 12 | 7.750% | $90,000 | 58.1% |
| Logan Finance Corporation | 12 | 7.687% | $265,000 | 25.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 12 | 6.990% | $315,000 | 13.3% |
| QUORUM FEDERAL CREDIT UNION | 12 | 8.688% | $105,000 | 36.4% |
| PANORAMA MORTGAGE GROUP, LLC | 12 | 6.250% | $175,000 | 0.0% |
| V.I.P. MORTGAGE, INC. | 12 | 6.870% | $385,000 | 7.7% |
| LANTZMAN MANAGEMENT, INC. | 12 | 10.500% | $190,000 | 0.0% |
| NEW DAY FINANCIAL, LLC | 11 | 6.875% | $315,000 | 67.6% |
| SOUTH RIVER MORTGAGE, LLC | 11 | 8.990% | $125,000 | 0.0% |
| Emporium TPO LLC | 11 | 7.375% | $235,000 | 5.6% |
| Greenbox Loans, Inc. | 11 | 8.375% | $275,000 | 0.0% |
| MISSION LOANS, LLC | 10 | 7.250% | $150,000 | 20.0% |
| LOWER, LLC | 10 | 6.813% | $300,000 | 47.4% |
| Zions Bancorporation, N.A. | 10 | 6.250% | $225,000 | 51.7% |
| FIRST COMMUNITY MORTGAGE, INC. | 10 | 6.058% | $415,000 | 33.3% |
| EZ FUNDINGS INC. | 10 | 6.500% | $345,000 | 0.0% |
| 254900CTT87ZKAUTIJ37 | 10 | 7.750% | $220,000 | 16.7% |
| PACIFIC LENDING LLC | 10 | 7.000% | $290,000 | 0.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 9 | Under 10 loans | Under 10 loans | 53.5% |
| MOVEMENT MORTGAGE, LLC | 9 | Under 10 loans | Under 10 loans | 8.3% |
| AMERICAN HERITAGE LENDING, LLC | 9 | Under 10 loans | Under 10 loans | 18.2% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 9 | Under 10 loans | Under 10 loans | 10.0% |
| TRADITIONAL MORTGAGE ACCEPTANCE CORPORATION | 9 | Under 10 loans | Under 10 loans | 30.8% |
| AAA CAPITAL INVESTMENT, INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| HIGHTECHLENDING INC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| LUXURY MORTGAGE CORP. | 9 | Under 10 loans | Under 10 loans | 10.0% |
| AMERICAN FINANCING CORPORATION | 8 | Under 10 loans | Under 10 loans | 68.9% |
| STG MORTGAGE INC | 8 | Under 10 loans | Under 10 loans | 27.3% |
| Mechanics Bank | 8 | Under 10 loans | Under 10 loans | 27.3% |
| CLEAREDGE LENDING LLC | 8 | Under 10 loans | Under 10 loans | 20.0% |
| PACIFIC SERVICE CREDIT UNION | 8 | Under 10 loans | Under 10 loans | 11.1% |
| PFN Lending Group, Inc. | 8 | Under 10 loans | Under 10 loans | 11.1% |
| COAST 2 COAST FUNDING GROUP, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| VISTA POINT MORTGAGE, LLC | 7 | Under 10 loans | Under 10 loans | 37.5% |
| Flagstar Bank, N.A. | 7 | Under 10 loans | Under 10 loans | 43.8% |
| 549300MPZDD9EFQ1E963 | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Truist Bank | 7 | Under 10 loans | Under 10 loans | 50.0% |
| MORTGAGE MANAGEMENT CONSULTANTS, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 7 | Under 10 loans | Under 10 loans | 11.1% |
| Magnolia Bank, Incorporated | 7 | Under 10 loans | Under 10 loans | 27.3% |
| ARC HOME LLC | 7 | Under 10 loans | Under 10 loans | 12.5% |
| First National Bank of America | 7 | Under 10 loans | Under 10 loans | 12.5% |
| CLEARPATH LENDING | 7 | Under 10 loans | Under 10 loans | 12.5% |
| VAL-CHRIS INVESTMENTS, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| TOWNE MORTGAGE COMPANY | 7 | Under 10 loans | Under 10 loans | 11.1% |
| LENDSURE MORTGAGE CORP. | 7 | Under 10 loans | Under 10 loans | 22.2% |
| INTELLILOAN, INC. | 6 | Under 10 loans | Under 10 loans | 25.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 6 | Under 10 loans | Under 10 loans | 16.7% |
| EDUCATIONAL EMPLOYEES CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 52.6% |
| Bethpage Federal Credit Union | 6 | Under 10 loans | Under 10 loans | 68.4% |
| BAY-VALLEY MORTGAGE GROUP | 6 | Under 10 loans | Under 10 loans | 0.0% |
| VERITAS FUNDING, LLC | 6 | Under 10 loans | Under 10 loans | 25.0% |
| TOP FLITE FINANCIAL, INC. | 6 | Under 10 loans | Under 10 loans | 25.0% |
| CHURCHILL MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| OAKTREE FUNDING CORP. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| 9845007CY0EC0F59W414 | 6 | Under 10 loans | Under 10 loans | 14.3% |
| SmartFi Home Loans, LLC | 6 | Under 10 loans | Under 10 loans | 25.0% |
| FIRST ENTERTAINMENT | 6 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE 1 INCORPORATED | 6 | Under 10 loans | Under 10 loans | 0.0% |
| FARMERS INSURANCE GROUP FEDERAL CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Genisys Credit Union | 6 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST STANDARD FINANCIAL CORP. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 6 | Under 10 loans | Under 10 loans | 0.0% |
| LAND HOME FINANCIAL SERVICES, INC. | 5 | Under 10 loans | Under 10 loans | 10.0% |
| FOUNDATION MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 11.1% |
| NBKC BANK | 5 | Under 10 loans | Under 10 loans | 16.7% |
| GENEVA FINANCIAL, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Synergy One Lending, Inc. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| JMJ FINANCIAL GROUP | 5 | Under 10 loans | Under 10 loans | 0.0% |
| GTE Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 28.6% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| VISION ONE MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| DATA MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 283 lenders each made 5 or fewer mortgages here, and are counted in the totals above.
Bank branches in Kern County
70 FDIC-insured branches from 15 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| JPMorgan Chase Bank, National Association | 10 | $2.4 billion |
| Wells Fargo Bank, National Association | 10 | $2.3 billion |
| Bank of America, National Association | 9 | $1.8 billion |
| U.S. Bank National Association | 7 | $650.9 million |
| Bank of the Sierra | 7 | $450.6 million |
| Tri Counties Bank | 4 | $1.1 billion |
| Citizens Business Bank, National Association | 4 | $452.7 million |
| Mechanics Bank | 4 | $395.3 million |
| Mission Bank | 3 | $829.4 million |
| Community West Bank | 3 | $166.1 million |
| Westamerica Bank | 3 | $164.9 million |
| Citibank, National Association | 2 | $308.0 million |
| BMO Bank National Association | 2 | $162.3 million |
| Banc of California | 1 | $105.2 million |
| Zions Bancorporation, N.A. | 1 | $66.5 million |
Closed since the 2025 survey
4 branches in the 2025 survey have no 2026 row: closed, sold, or moved.
- JPMorgan Chase Bank, National Association, 2314 N Chester Ave, Bakersfield
- United Security Bank, 3404 Coffee Rd, Bakersfield
- United Security Bank, 523 Cascade Pl, Taft
- Wells Fargo Bank, National Association, 5610 Lake Isabella Blvd, Lake Isabella
Get told when this changes
When the next year’s lending figures are out for Kern County, or a lender arrives or leaves.
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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. Branches and deposits come from the FDIC Summary of Deposits as of 30 June 2026, and bank balance sheets from the FDIC institutions directory. 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.