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Kern County, California · 2025

Mortgage lenders in Kern County, CA: denial rates and top lenders (2025)

473 lenders acted on 26,771 mortgage applications for properties in Kern County in 2025. 17.9% were denied (California: 17.4%). Median rate on closed loans 6.63%; median loan $255,000; median property value $405,000.

27kApplications
17.9%Denial ratestate 17.4%
6.63%Median ratestate 6.63%
$255,000Median loan
$405,000Median property value

Largest lenders in Kern County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 United Shore Financial Services B 2,3901,788 11.6%6.13%
2 Rocket Mortgage C 1,6751,169 19.6%6.75%
3 Valley Strong Credit Union C 1,549824 21.1%8.00%
4 Freedom Mortgage B 662262 7.7%6.25%
5 Kind Lending C 660464 18.0%6.38%
6 Moria Development B 634459 0.0%6.50%
7 Loandepot.Com D 631310 26.3%6.50%
8 Golden Empire Mortgage B 600462 3.8%6.13%
9 Lennar Mortgage A 572416 11.0%5.63%
10 Bank of America F 564167 48.4%6.49%
11 Pennymac Loan Services C 548257 16.8%6.50%
12 OCMBC C 534321 4.9%6.88%
13 Newrez D 514166 20.0%6.63%
14 Navy Federal Credit Union D 429188 23.8%7.56%
15 Spring Eq D 428123 54.0%9.65%
16 Broker Solutions D 426162 10.6%6.75%
17 U.S. Bank D 421134 50.6%8.05%
18 Dhi Mortgage Company B 417309 8.9%5.50%
19 Coastal Community Bank C 38688 4.7%10.12%
20 Mortgage Research Center C 336142 20.2%6.25%
21 Safe 1 Credit Union C 328289 11.9%7.50%
22 FlexPoint C 318200 2.5%6.50%
23 Sierra Pacific Mortgage Company C 314221 6.7%6.38%
24 Lakeview Loan Servicing C 29834 56.4%6.87%
25 The Loan Store B 288194 11.5%6.99%

Best approval odds in Kern County

Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.

#LenderDecidedDecision denial rate
1Michigan Mutual530.0%
2Point Mortgage800.0%
3Royal Pacific Funding1330.0%
4Dignified Home Loans2270.0%
5Moria Development4660.0%
6Ark-La-Tex Financial Services, LLC.691.5%
7Nations Lending1072.8%
8FlexPoint2802.9%
9Mld Mortgage1193.4%
10Alameda Mortgage513.9%

What Kern County borrowers applied for

By loan purpose

Home purchase 12,029 45% · 9.5% denied
Refinance 3,414 13% · 17.7% denied
Cash-out refinance 5,453 20% · 22.5% denied
Home improvement 2,246 8% · 33.3% denied
Other / HELOC 3,629 14% · 29.2% denied

By loan type

Conventional 17,728 66% · 19.3% denied
FHA 6,762 25% · 15.2% denied
VA 2,232 8% · 14.1% denied
USDA / RHS 49 0% · 24.5% denied

Why applications were denied

Debt-to-income ratio 1,484 31%
Credit history 1,008 21%
Incomplete application 820 17%
Collateral 584 12%
Other 411 9%
Unverifiable information 234 5%
Insufficient cash 197 4%
Employment history 32 1%
Mortgage insurance denied 1 0%

Kern County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
202322,02211,83120.6%6.75%$225,000
202425,01413,66319.9%6.75%$245,000
202526,77114,91617.9%6.63%$255,000

Frequently asked questions

17.9% of applications in Kern County were denied in 2025, against 17.4% statewide in California.

United Shore Financial Services, with 2,390 applications in 2025 and a denial rate of 11.6%.

The median mortgage application in Kern County in 2025 was for $255,000; the median property value on originated loans was $405,000.