Investment property cash-out lenders in Kern County, California
Fat Boy Data analyzed investment cash-out refinance activity in Kern County, California, home to Bakersfield, to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 1,422 applications were decided by 181 lenders between 2023 and 2025.
Kern County at a glance
How Kern County compares
What the data shows
Rocket Mortgage, LLC made the most investment cash-out refinances in Kern County, CA, 51 of them.
Royal Pacific Funding Corp. approved the highest share of applications among lenders with at least 20 decisions here, 100% of 45.
The typical investment cash-out refinance here is $205K, 52% smaller than the California typical of $425K.
Each dot is one lender, placed at its approval rate. Hover for the sample size; the 5 largest lenders are named, the rest are behind the unlock.
Investment property cash-out lenders in Kern County
| Lender | Approval | Approved | Taken up | Typical loan | Loans made | |
|---|---|---|---|---|---|---|
| 1 | United Wholesale Mortgage, LLCBroker only | 81% | 158 / 194 | 99% | $185K | 156 |
| 2 | Ocmbc, Inc.Broker only | 90% | 101 / 112 | 85% | $205K | 86 |
| 3 | Rocket Mortgage, LLC | 83% | 52 / 63 | 98% | $185K | 51 |
| 4 | Homexpress Mortgage Corp.Broker only | 54% | 25 / 46 | 96% | $225K | 24 |
| 5 | Royal Pacific Funding Corp. | 100% | 45 / 45 | 71% | $225K | 32 |
Ranked by lending volume. Approval is the share of decided applications a lender approved; taken up is the share of approvals borrowers accepted. Lenders with fewer than 20 decisions are marked as a limited sample and never used for a “highest approval” claim.How the numbers work.
Fat Boy found 176 more lenders.
One email unlocks every lender Fat Boy found.
You are seeing the 5 largest investment cash-out refinance lenders in Kern County. Unlock the full market: every lender that decided one of these loans here, what they approved, how much borrowers took, and how close the nearest office is.
- Every lender in the market
- Approval rate and borrower take-up
- Typical loan size and range
- Nearest office and distance
- Branch count and application options
- How easy each lender is to reach
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