Investment property refinance lenders in Kern County, California
Fat Boy Data analyzed investment property 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. 576 applications were decided by 134 lenders between 2023 and 2025.
Kern County at a glance
How Kern County compares
What the data shows
Kiavi Funding, Inc. made the most investment property refinances in Kern County, CA, 35 of them.
Moria Development, Inc. approved the highest share of applications among lenders with at least 20 decisions here, 100% of 28.
Lenders approved 71.2% of investment property refinance applications in Kern County, CA, 5.6 percentage points below the California rate of 76.8%.
The typical investment property refinance here is $235K, 58% smaller than the California typical of $555K.
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 refinance lenders in Kern County
| Lender | Approval | Approved | Taken up | Typical loan | Loans made | |
|---|---|---|---|---|---|---|
| 1 | United Wholesale Mortgage, LLCBroker only | 73% | 51 / 70 | 96% | $265K | 49 |
| 2 | Kiavi Funding, Inc. | 79% | 37 / 47 | 95% | $235K | 35 |
| 3 | Moria Development, Inc. | 100% | 28 / 28 | 100% | $205K | 28 |
| 4 | Ocmbc, Inc.Broker only | 88% | 23 / 26 | 78% | $225K | 18 |
| 5 | Rocket Mortgage, LLC | 45% | 9 / 20 | 89% | $225K | 8 |
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 129 more lenders.
One email unlocks every lender Fat Boy found.
You are seeing the 5 largest investment property 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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