Mortgage lending in Kern County, California
Lenders in Kern County, California reported 26,771 mortgage applications for 2025, according to the CFPB.
26,771 mortgage applications and 14,916 loans originated in 2025; the denial rate was 22.7% of 21,003 applications decided. The median loan was about $275,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Bakersfield-Delano, CA MSA.
- 26,771
- Applications
- 14,916
- Loans originated
- 22.7%
- Denial rate
- 4,778 denied of 21,003 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 26,771 | 14,916 |
| 2024 | 25,014 | 13,663 |
| 2023 | 22,022 | 11,831 |
| 2022 | 34,833 | 19,619 |
| 2021 | 61,034 | 37,589 |
| 2020 | 54,303 | 33,815 |
| 2019 | 35,001 | 20,836 |
| 2018 | 29,207 | 16,798 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| United Wholesale Mortgage | 1,788 | 2,390 |
| Rocket Mortgage | 1,169 | 1,675 |
| Valley Strong Credit Union | 824 | 1,549 |
| Kind Lending, LLC | 464 | 660 |
| Golden Empire Mortgage, Inc. | 462 | 600 |
| Peoples Mortgage Company | 459 | 634 |
| Lennar Mortgage, LLC | 416 | 572 |
| Ocmbc, Inc. | 321 | 534 |
| loanDepot.com LLC | 310 | 631 |
| DHI Mortgage Company, LTD. | 309 | 417 |
| Safe 1 Credit Union | 289 | 328 |
| Freedom Mortgage Corporation | 262 | 662 |
| Pennymac Loan Services LLC | 257 | 548 |
| Sierra Pacific Mortgage Co. Inc | 221 | 314 |
| Dignified Home Loans LLC | 210 | 262 |
| Flexpoint, Inc. | 200 | 318 |
| The Loan Store, Inc | 194 | 288 |
| Navy Federal Credit Union | 188 | 429 |
| Bank of America NA | 167 | 564 |
| Newrez LLC | 166 | 514 |
| Strata Credit Union | 163 | 275 |
| New American Funding, LLC. | 162 | 426 |
| JPMorgan Chase Bank, NA | 155 | 275 |
| Mortgage Research Center | 142 | 336 |
| Crosscountry Mortgage, LLC | 142 | 232 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 434 | 26.6% of 342 decided |
| Asian | 1,725 | 23.1% of 1,372 decided |
| Black or African American | 932 | 28.9% of 675 decided |
| Native Hawaiian or Other Pacific Islander | 71 | 22.2% of 54 decided |
| White | 15,159 | 21.1% of 12,186 decided |
| 2 or more minority races | 71 | 27.8% of 54 decided |
| Joint | 499 | 16.7% of 389 decided |
| Free Form Text Only | 17 | no rate: base under 50 |
| Race Not Available | 7,863 | 25.4% of 5,919 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 10,730 | 23.7% of 8,587 decided |
| Not Hispanic or Latino | 9,523 | 20.8% of 7,497 decided |
| Joint | withheld | |
| Ethnicity Not Available | 5,606 | 24.6% of 4,178 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 10,293 | 23.8% of 8,146 decided |
| Female | 5,953 | 24.5% of 4,715 decided |
| Joint | 7,826 | 18.2% of 6,261 decided |
| Sex Not Available | 2,699 | 28.9% of 1,881 decided |
A category under 10 applications prints “under 10”, and beside a lone one the next-smallest is withheld too, so neither can be worked out from the whole. No rate is printed on fewer than 50 decisions. A denial rate does not control for credit history, income, debt or the property, so a difference between groups is not a measure of discrimination.
Rankings this appears in
- No. 398 Counties by median mortgage
Sources
- HMDA public loan/application register (LAR) — each year's fullest national release — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- Census Bureau population estimates — nation and states, with components of change — U.S. Census Bureau · U.S. Government work · retrieved September 25, 2026
- HMDA transmittal sheet — every reporting lender, by year, with its name — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder
- Census Bureau county population estimates — U.S. Census Bureau · U.S. Government work · retrieved September 23, 2026
Compiled automatically from HMDA public loan/application register (LAR) — each year's fullest national release, Census Bureau population estimates — nation and states, with components of change, HMDA transmittal sheet — every reporting lender, by year, with its name, HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder and Census Bureau county population estimates by a checked SQL query · Editor: Kian O'Connor · How this site is built
Data retrieved