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mortgage lenders · HMDA 2023–2025

Mortgage lenders in Kern County, California

Fat Boy Data analyzed home purchase mortgage 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. 26,250 applications were decided by 424 lenders between 2023 and 2025.

Kern County at a glance

424Active lenders116 with 20+ decisions
87.5%Market approval rate22,966 of 26,250 decided
$345KTypical loanmedian lender, $10K brackets
95%Borrower take-up21,833 loans funded

How Kern County compares

Approval rate compared
Kern County87.5%California88.4%All 616 counties87.6%
Typical loan compared
Kern County$345KCalifornia$555KAll 616 counties$335K

What the data shows

Golden Empire Mortgage, Inc. made the most home purchase mortgages in Kern County, CA, 1,187 of them.

Dignified Home Loans, LLC approved the highest share of applications among lenders with at least 20 decisions here, 100% of 500.

The typical home purchase mortgage here is $345K, 38% smaller than the California typical of $555K.

Approval rate of all 60 lenders with 20+ decisions here
0%25%50%75%100%21St Mortgage Corporation: 29% approved of 572Credit Human Federal Credit Union: 50% approved of 119Bank of America, National Association: 57% approved of 146Hometown Equity Mortgage, LLC: 63% approved of 103Flagstar Bank, National Association: 63% approved of 79Triad Financial Services, Inc.: 64% approved of 346Loandepot.Com, LLC: 70% approved of 719U.S. Bank National Association: 71% approved of 190Plaza Home Mortgage, Inc.: 71% approved of 136Amwest Funding Corp.: 73% approved of 70Self-Help Federal Credit Union: 74% approved of 78Homebridge Financial Services, Inc.: 75% approved of 100Wells Fargo Bank, National Association: 76% approved of 111Kind Lending, LLC: 81% approved of 974Sun West Mortgage Company, Inc.: 81% approved of 102Pennymac Loan Services, LLC: 82% approved of 295Lennar Mortgage, LLC: 85% approved of 1,013Freedom Mortgage Corporation: 85% approved of 121Rocket Mortgage, LLC: 85% approved of 1,379K. Hovnanian American Mortgage, L.L.C.: 86% approved of 337Change Lending, LLC: 88% approved of 67Navy Federal Credit Union: 89% approved of 232Sierra Pacific Mortgage Company, Inc.: 89% approved of 948JPMorgan Chase Bank, National Association: 89% approved of 250Mortgage Research Center, LLC: 90% approved of 395New American Funding, LLC: 90% approved of 208Planet Home Lending, LLC: 91% approved of 96Dhi Mortgage Company, Ltd.: 91% approved of 905United Wholesale Mortgage, LLC: 91% approved of 3,908American Financial Network, Inc.: 92% approved of 177Guild Mortgage Company LLC: 92% approved of 211The Loan Store, Inc.: 92% approved of 167Valley Strong Credit Union: 92% approved of 369Cmg Mortgage, Inc.: 93% approved of 129Golden Empire Mortgage, Inc.: 93% approved of 1,305Newrez LLC: 93% approved of 161Ocmbc, Inc.: 93% approved of 712Equity Prime Mortgage LLC: 93% approved of 106Ark-La-Tex Financial Services, LLC.: 93% approved of 138American Pacific Mortgage Corporation: 94% approved of 262Genhome Mortgage Corporation: 94% approved of 68Mission Loans, LLC: 94% approved of 226Michigan Mutual, Inc.: 95% approved of 230Flexpoint, Inc.: 95% approved of 436Fairway Independent Mortgage Corporation: 95% approved of 241Jmac Lending, Inc.: 95% approved of 151Summit Funding, Inc.: 96% approved of 247Guaranteed Rate, Inc.: 97% approved of 172Royal Pacific Funding Corp.: 97% approved of 275Crosscountry Mortgage, LLC: 97% approved of 312Paramount Residential Mortgage Group, Inc.: 97% approved of 236Mld Mortgage Inc.: 97% approved of 359Alameda Mortgage Corporation: 98% approved of 123Das Acquisition Company, LLC: 99% approved of 112Nations Lending Corporation: 100% approved of 268Moria Development, Inc.: 100% approved of 746Dignified Home Loans, LLC: 100% approved of 500Point Mortgage Corporation: 100% approved of 193Castle & Cooke Mortgage, LLC: 100% approved of 103Peak Residential Lending Inc: 100% approved of 87

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

Mortgage lenders in Kern County

LenderApprovalApprovedTaken upTypical loanLoans made
1United Wholesale Mortgage, LLCBroker only91%3,556 / 3,90899%$355K3,524
2Rocket Mortgage, LLC85%1,174 / 1,37999%$355K1,164
3Golden Empire Mortgage, Inc.93%1,214 / 1,30598%$295K1,187
4Lennar Mortgage, LLC85%862 / 1,013100%$405K859
5Kind Lending, LLC81%792 / 97499%$345K783

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 419 more lenders.

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Other lending data for Kern County

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Nearby markets

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