Home purchase lenders in Kern County
8,415 home purchase mortgages were made in Kern County, California, in 2025, by 330 lenders. The median rate their borrowers got was 6.375% on a median loan of $345,000. Of 9,947 decisions, 1,141 were denials — 11.5%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 1,184 | 6.125% | $355,000 | 8.6% |
| Rocket Mortgage, LLC | 442 | 6.500% | $365,000 | 16.6% |
| GOLDEN EMPIRE MORTGAGE, INC. | 440 | 6.125% | $315,000 | 4.9% |
| LENNAR MORTGAGE, LLC | 416 | 5.625% | $405,000 | 13.1% |
| KIND LENDING, LLC | 412 | 6.250% | $335,000 | 17.6% |
| MORIA DEVELOPMENT, INC. | 406 | 6.375% | $315,000 | 0.0% |
| DHI MORTGAGE COMPANY, LTD. | 309 | 5.500% | $405,000 | 10.6% |
| OCMBC, INC. | 228 | 6.750% | $295,000 | 5.4% |
| Sierra Pacific Mortgage Company, Inc. | 202 | 6.375% | $345,000 | 4.7% |
| FlexPoint, Inc. | 190 | 6.500% | $305,000 | 2.8% |
| DIGNIFIED HOME LOANS, LLC | 170 | 6.500% | $365,000 | 0.0% |
| Loandepot.Com, LLC | 158 | 6.125% | $420,000 | 33.9% |
| VALLEY STRONG CREDIT UNION | 131 | 6.000% | $405,000 | 7.3% |
| K. HOVNANIAN AMERICAN MORTGAGE, L.L.C. | 130 | 5.125% | $455,000 | 13.3% |
| Mortgage Research Center, LLC | 108 | 6.250% | $355,000 | 12.2% |
| THE LOAN STORE, INC. | 107 | 6.625% | $345,000 | 5.9% |
| CROSSCOUNTRY MORTGAGE, INC. | 107 | 6.688% | $345,000 | 2.7% |
| Broker Solutions, Inc. | 102 | 6.625% | $335,000 | 9.7% |
| PENNYMAC LOAN SERVICES, LLC | 102 | 6.499% | $325,000 | 23.1% |
| Kiavi Funding, Inc. | 94 | 10.250% | $225,000 | 6.9% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 91 | 6.625% | $325,000 | 6.1% |
| Fairway Independent Mortgage Corporation | 91 | 6.500% | $245,000 | 3.0% |
| Navy Federal Credit Union | 87 | 6.375% | $315,000 | 3.3% |
| MLD MORTGAGE INC. | 87 | 6.500% | $285,000 | 1.0% |
| JPMorgan Chase Bank, National Association | 81 | 6.500% | $300,000 | 6.9% |
| Nations Lending Corporation | 75 | 6.625% | $345,000 | 1.1% |
| ROYAL PACIFIC FUNDING CORP. | 74 | 6.375% | $300,000 | 0.0% |
| NEWREZ LLC | 66 | 6.250% | $330,000 | 4.2% |
| Paramount Residential Mortgage Group, Inc. | 65 | 6.500% | $305,000 | 3.0% |
| JMAC LENDING, INC. | 64 | 6.125% | $385,000 | 3.0% |
| POINT MORTGAGE CORPORATION | 63 | 6.375% | $275,000 | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 60 | 6.250% | $360,000 | 9.0% |
| GUILD MORTGAGE COMPANY | 56 | 6.625% | $270,000 | 7.5% |
| FREEDOM MORTGAGE CORPORATION | 56 | 5.990% | $400,000 | 12.5% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 55 | 6.250% | $315,000 | 1.8% |
| CMG MORTGAGE, INC. | 54 | 6.000% | $475,000 | 7.6% |
| 21st Mortgage Corporation | 46 | 10.600% | $105,000 | 64.0% |
| ALAMEDA MORTGAGE CORPORATION | 46 | 6.250% | $375,000 | 2.1% |
| TRIAD FINANCIAL SERVICES, INC. | 45 | 8.750% | $95,000 | 38.1% |
| MERCHANTS MORTGAGE & TRUST CORPORATION, LLC | 45 | 10.000% | $205,000 | 0.0% |
| EVERETT FINANCIAL, INC. | 43 | 6.625% | $295,000 | 0.0% |
| MICHIGAN MUTUAL, INC. | 42 | 6.500% | $425,000 | 0.0% |
| U.S. Bank National Association | 41 | 6.375% | $375,000 | 21.8% |
| Hometown Equity Mortgage, LLC | 38 | 7.000% | $315,000 | 34.5% |
| PLAZA HOME MORTGAGE, INC. | 35 | 7.125% | $285,000 | 39.7% |
| UNION HOME MORTGAGE CORP. | 34 | 6.000% | $315,000 | 7.5% |
| DAS Acquisition Company, LLC | 34 | 6.500% | $340,000 | 0.0% |
| Bank of America, National Association | 33 | 6.375% | $245,000 | 41.1% |
| ZILLOW HOME LOANS, LLC | 33 | 6.250% | $315,000 | 10.8% |
| CAKE MORTGAGE CORP. | 32 | 7.495% | $330,000 | 5.9% |
| Commerce Home Mortgage, Inc. | 32 | 7.058% | $350,000 | 5.9% |
| Peak Residential Lending Inc | 31 | 6.625% | $315,000 | 0.0% |
| GUARANTEED RATE, INC. | 30 | 6.475% | $340,000 | 3.1% |
| AMERITRUST MORTGAGE CORPORATION | 28 | 6.875% | $310,000 | 3.5% |
| CASTLE & COOKE MORTGAGE, LLC | 28 | 6.063% | $420,000 | 0.0% |
| Equity Prime Mortgage LLC | 27 | 6.500% | $335,000 | 18.2% |
| Wells Fargo Bank, National Association | 25 | 6.625% | $285,000 | 16.7% |
| NEW WAVE LENDING GROUP INC | 24 | 7.313% | $380,000 | 0.0% |
| GEO-CORP, INC. | 23 | 6.990% | $375,000 | 4.2% |
| Self-Help Federal Credit Union | 23 | 8.250% | $255,000 | 14.3% |
| AUGUSTA FINANCIAL, INC. | 23 | 6.250% | $425,000 | 0.0% |
| BETTER MORTGAGE CORPORATION | 22 | 6.625% | $350,000 | 18.5% |
| ML Mortgage Corp. | 22 | 6.990% | $270,000 | 8.0% |
| STRATA Credit Union | 21 | 6.125% | $415,000 | 8.3% |
| FIRST COLONY MORTGAGE CORPORATION | 20 | 6.375% | $335,000 | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | 20 | 6.125% | $310,000 | 9.1% |
| FBC MORTGAGE, LLC | 20 | 5.558% | $500,000 | 0.0% |
| CAMPOS FINANCIAL CORP. | 20 | 6.375% | $350,000 | 0.0% |
| AMWEST FUNDING CORP. | 19 | 7.000% | $295,000 | 13.6% |
| CHAMPIONS FUNDING, LLC | 19 | 7.500% | $345,000 | 9.5% |
| Home Mortgage Alliance Corporation (HMAC) | 18 | 6.990% | $400,000 | 20.8% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 17 | 6.250% | $355,000 | 30.8% |
| NEXERA HOLDING LLC | 17 | 7.750% | $395,000 | 0.0% |
| USAA Federal Savings Bank | 16 | 6.250% | $375,000 | 22.7% |
| SUN WEST MORTGAGE COMPANY, INC. | 15 | 6.125% | $325,000 | 18.5% |
| RESICENTRAL, LLC | 15 | 6.375% | $305,000 | 15.8% |
| NQM FUNDING, LLC | 15 | 7.375% | $345,000 | 5.9% |
| AMERICAN FINANCIAL RESOURCES, INC. | 15 | 6.500% | $295,000 | 0.0% |
| SCHOOLSFIRST | 14 | 6.375% | $400,000 | 0.0% |
| Tri Counties Bank | 14 | 6.515% | $425,000 | 17.7% |
| FRANKLIN LOAN CORPORATION | 14 | 6.313% | $260,000 | 0.0% |
| GENWAY HOME MORTGAGE, INC. | 13 | 6.875% | $255,000 | 50.0% |
| AHL FUNDING | 13 | 6.750% | $305,000 | 0.0% |
| Citadel Servicing Corporation | 13 | 7.625% | $245,000 | 0.0% |
| Click n' Close, Inc. | 13 | 6.375% | $225,000 | 0.0% |
| PANORAMA MORTGAGE GROUP, LLC | 12 | 6.250% | $175,000 | 0.0% |
| SAFE 1 CREDIT UNION | 12 | 5.750% | $340,000 | 7.7% |
| PLANET HOME LENDING, LLC | 11 | 6.000% | $325,000 | 15.4% |
| THE GOLDEN 1 | 10 | 6.313% | $360,000 | 16.7% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 10 | 6.990% | $315,000 | 8.3% |
| NATIONSTAR MORTGAGE LLC | 10 | 6.683% | $355,000 | 16.7% |
| EZ FUNDINGS INC. | 10 | 6.500% | $345,000 | 0.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 9 | Under 10 loans | Under 10 loans | 55.0% |
| Citibank, National Association | 9 | Under 10 loans | Under 10 loans | 18.2% |
| BMO Bank National Association | 9 | Under 10 loans | Under 10 loans | 25.0% |
| V.I.P. MORTGAGE, INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| NMSI, INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 9 | Under 10 loans | Under 10 loans | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| STG MORTGAGE INC | 8 | Under 10 loans | Under 10 loans | 20.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 8 | Under 10 loans | Under 10 loans | 27.3% |
| FIRST COMMUNITY MORTGAGE, INC. | 8 | Under 10 loans | Under 10 loans | 20.0% |
| A&D Mortgage LLC | 7 | Under 10 loans | Under 10 loans | 20.0% |
| LoanUnited.com, LLC | 7 | Under 10 loans | Under 10 loans | 22.2% |
| AMERICAN HERITAGE LENDING, LLC | 7 | Under 10 loans | Under 10 loans | 22.2% |
| HIGHTECHLENDING INC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Emporium TPO LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| PACIFIC LENDING LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| 9845005BP6974AE5D838 | 7 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| 549300MPZDD9EFQ1E963 | 6 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE MANAGEMENT CONSULTANTS, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of America | 6 | Under 10 loans | Under 10 loans | 14.3% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Greenbox Loans, Inc. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| 254900CTT87ZKAUTIJ37 | 6 | Under 10 loans | Under 10 loans | 25.0% |
| Genisys Credit Union | 6 | Under 10 loans | Under 10 loans | 0.0% |
| TOWNE MORTGAGE COMPANY | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Firefighters First Federal Credit Union | 6 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE 1 INCORPORATED | 6 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 5 | Under 10 loans | Under 10 loans | 58.3% |
| LAND HOME FINANCIAL SERVICES, INC. | 5 | Under 10 loans | Under 10 loans | 10.0% |
| DEEPHAVEN MORTGAGE LLC | 5 | Under 10 loans | Under 10 loans | 50.0% |
| CHURCHILL MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Synergy One Lending, Inc. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| PFN Lending Group, Inc. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| PRINCETON MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| CONVENTUS LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 4 | Under 10 loans | Under 10 loans | 60.0% |
| VISTA POINT MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 28.6% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AAA CAPITAL INVESTMENT, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CHEVRON Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Truist Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LOGIX FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Mechanics Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Eagle Community Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LEADERONE FINANCIAL CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST STANDARD FINANCIAL CORP. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| OAKTREE FUNDING CORP. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CALCON MUTUAL MORTGAGE LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Tomo Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| BAY-VALLEY MORTGAGE GROUP | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ONY GLO, INC. | 3 | Under 10 loans | Under 10 loans | 57.1% |
| Ameris Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Plains Commerce Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ARC HOME LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| EMET LENDING GROUP, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| OriginPoint, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 40.0% |
| MORTGAGE CAPITAL PARTNERS, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CLEAREDGE LENDING LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| 9845007CY0EC0F59W414 | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Provident Savings Bank, F.S.B. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FOUNDATION MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LENDINGONE, LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| SPRING EQ, LLC | 2 | Under 10 loans | Under 10 loans | 66.7% |
| Logan Finance Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Zions Bancorporation, N.A. | 2 | Under 10 loans | Under 10 loans | 50.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Filo Mortgage, L.L.C. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGEONE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AgWest Farm Credit, FLCA | 2 | Under 10 loans | Under 10 loans | 25.0% |
| F&A Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LUXURY MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Fidelity Lending Solutions, Inc. | 2 | Under 10 loans | Under 10 loans | 25.0% |
| MASON MCDUFFIE MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| First Federal Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ENCOMPASS LENDING GROUP, LP | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST ENTERTAINMENT | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ENVOY MORTGAGE, LTD | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Magnolia Bank, Incorporated | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LOWER, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| JMJ FINANCIAL GROUP | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Reliable Holdings Manager dba Lendz Financial | 2 | Under 10 loans | Under 10 loans | 0.0% |
| STAR ONE Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MID VALLEY SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| VISION ONE MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 549300DLBRGR2O0VNZ96 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Granite Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Business Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| WALL FINANCIAL, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NFM, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CENTRAL COAST LENDING, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GUIDANCE RESIDENTIAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| City Lending Inc. | 2 | 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 130 lenders each made 2 or fewer mortgages here, and are counted in the totals above.
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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. 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.