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cash-out refinance lenders · HMDA 2023–2025

Cash-out refinance lenders in Kern County, California

Fat Boy Data analyzed cash-out refinance activity in Kern County, California to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 8,760 applications were decided by 272 lenders between 2023 and 2025.

Kern County at a glance

272Active lenders57 with 20+ decisions
64.9%Market approval rate5,687 of 8,760 decided
$185KTypical loanmedian lender, $10K brackets
93%Borrower take-up5,285 loans funded

How Kern County compares

Approval rate compared
Kern County64.9%California70.1%All 616 counties68.2%
Typical loan compared
Kern County$185KCalifornia$245KAll 616 counties$155K

What the data shows

Rocket Mortgage, LLC made the most cash-out refinances in Kern County, CA, 1,400 of them.

That is 26% of every cash-out refinance originated here, so this market is unusually concentrated in one lender.

Dignified Home Loans, LLC approved the highest share of applications among lenders with at least 20 decisions here, 100% of 40.

Lenders approved 64.9% of cash-out refinance applications in Kern County, CA, 5.2 percentage points below the California rate of 70.1%.

The typical cash-out refinance here is $185K, 24% smaller than the California typical of $245K.

Approval rate of all 57 lenders with 20+ decisions here
0%25%50%75%100%Mortgage Research Center, LLC: 13% approved of 76Lakeview Loan Servicing, LLC: 18% approved of 147Network Capital Funding Corporation: 21% approved of 72New Day Financial, LLC: 23% approved of 95Amerisave Mortgage Corporation: 24% approved of 495Carrington Mortgage Services, LLC: 33% approved of 257American Financing Corporation: 36% approved of 67Spring Eq, LLC: 40% approved of 80The Golden 1: 42% approved of 38Newrez LLC: 45% approved of 326BMO Bank National Association: 46% approved of 26Lower, LLC: 48% approved of 21Planet Home Lending, LLC: 48% approved of 31Wells Fargo Bank, National Association: 49% approved of 118U.S. Bank National Association: 50% approved of 30Advantagefirst Lending Inc.: 50% approved of 24Onity Mortgage Corporation: 51% approved of 39STRATA Credit Union: 51% approved of 37Mutual of Omaha Mortgage, Inc.: 52% approved of 67Village Capital & Investment LLC: 53% approved of 91Quorum Federal Credit Union: 53% approved of 32Hometown Equity Mortgage, LLC: 55% approved of 22Navy Federal Credit Union: 55% approved of 64AltaOne Federal Credit Union: 56% approved of 85Top Flite Financial, Inc.: 57% approved of 21Loandepot.Com, LLC: 59% approved of 283Kind Lending, LLC: 61% approved of 72Flagstar Bank, National Association: 62% approved of 58Plaza Home Mortgage, Inc.: 62% approved of 53New American Funding, LLC: 65% approved of 97Pennymac Loan Services, LLC: 66% approved of 216Sun West Mortgage Company, Inc.: 69% approved of 70Logix Federal Credit Union: 69% approved of 51Freedom Mortgage Corporation: 70% approved of 264Schoolsfirst: 70% approved of 20Valley Strong Credit Union: 71% approved of 311JPMorgan Chase Bank, National Association: 72% approved of 96NORTHROP GRUMMAN Federal Credit Union: 73% approved of 26Equity Prime Mortgage LLC: 74% approved of 69GoodLeap, LLC: 74% approved of 244United Wholesale Mortgage, LLC: 75% approved of 857The Federal Savings Bank: 77% approved of 47Rocket Mortgage, LLC: 77% approved of 1,845Amwest Funding Corp.: 80% approved of 51Sierra Pacific Mortgage Company, Inc.: 81% approved of 47Nationstar Mortgage LLC: 83% approved of 180Crosscountry Mortgage, LLC: 85% approved of 46Guild Mortgage Company LLC: 87% approved of 54Nations Lending Corporation: 88% approved of 24Ocmbc, Inc.: 89% approved of 61American Pacific Mortgage Corporation: 91% approved of 33Safe 1 Credit Union: 92% approved of 63Golden Empire Mortgage, Inc.: 93% approved of 28Royal Pacific Funding Corp.: 95% approved of 39Firefighters First Federal Credit Union: 97% approved of 33Dignified Home Loans, LLC: 100% approved of 40Coastal Community Bank: 100% approved of 30

Each dot is one lender, placed at its approval rate. Hover for the name and sample size.

Cash-out refinance lenders in Kern County

LenderApprovalApprovedTaken upTypical loanLoans made
1Rocket Mortgage, LLC77%1,428 / 1,84598%$145K1,400
2United Wholesale Mortgage, LLCBroker only75%644 / 85797%$215K625
3Amerisave Mortgage Corporation24%120 / 49595%$95K114
4Newrez LLC45%146 / 32697%$115K142
5Valley Strong Credit Union71%222 / 31196%$105K212

Ranked by lending volume. Approval is the share of decided applications a lender approved; taken up is the share of approvals the borrower accepted. Lenders with fewer than 20 decisions are marked as a limited sample and are never used for a “highest approval” claim. How these numbers are built.

Fat Boy found 267 more lenders.

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Other lending data for Kern County

Mortgage lenders in Kern CountyHome improvement loans in Kern CountyRefinance in Kern CountyInvestment property purchase in Kern CountyInvestment cash-out refinance in Kern CountyInvestment refinance in Kern CountyInvestment home improvement in Kern County

Nearby markets

All lending in Kern CountyCounty overviewCash-out refinance across CaliforniaStatewideKings CountyNearby countyLos Angeles CountyNearby countySan Bernardino CountyNearby countySan Luis Obispo CountyNearby county