Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Kern County, California
Every institution that decided a 1–4 unit mortgage application in Kern County, home to Bakersfield, between 2023 and 2025: 49,532 applications, 36,090 loans actually funded, across 8 kinds of borrowing.
Kern County at a glance
49,532Applications decided
2023–2025
36,090Loans funded
73% of decisions
236Census tracts
38 ZIP codes
910,433People
ACS 2023
What the data shows
The typical purchase mortgage here is $345K.
Investment home improvement is the hardest money to get here: lenders approved 48% of 457 applications.
Lending by loan type in Kern County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 87.5% | 26,250 | $345K | 95% | 424 |
| Home improvement loans | 54.9% | 4,763 | $65K | 86% | 146 |
| Cash-out refinance | 64.9% | 8,760 | $185K | 93% | 272 |
| Refinance | 72.0% | 4,173 | $335K | 87% | 258 |
| Investment property purchase | 87.5% | 3,131 | $245K | 93% | 265 |
| Investment cash-out refinance | 78.4% | 1,422 | $205K | 90% | 181 |
| Investment refinance | 71.2% | 576 | $235K | 90% | 134 |
| Investment home improvement | 48.1% | 457 | $75K | 87% | 67 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.