HomeCaliforniaKern CountyRefinance
refinance lenders · HMDA 2023–2025

Refinance lenders in Kern County, California

Fat Boy Data analyzed mortgage refinance activity in Kern County, California to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 4,173 applications were decided by 258 lenders between 2023 and 2025.

Kern County at a glance

258Active lenders38 with 20+ decisions
72.0%Market approval rate3,003 of 4,173 decided
$335KTypical loanmedian lender, $10K brackets
87%Borrower take-up2,609 loans funded

How Kern County compares

Approval rate compared
Kern County72.0%California76.7%All 616 counties76.5%
Typical loan compared
Kern County$335KCalifornia$655KAll 616 counties$295K

What the data shows

Rocket Mortgage, LLC made the most mortgage refinances in Kern County, CA, 245 of them.

Moria Development, Inc. approved the highest share of applications among lenders with at least 20 decisions here, 100% of 66.

The typical mortgage refinance here is $335K, 49% smaller than the California typical of $655K.

Approval rate of all 38 lenders with 20+ decisions here
0%25%50%75%100%American Financing Corporation: 4% approved of 27Discover Bank: 23% approved of 110Spring Eq, LLC: 41% approved of 54Lakeview Loan Servicing, LLC: 45% approved of 245Valley Strong Credit Union: 46% approved of 50Bank of America, National Association: 46% approved of 134Tri Counties Bank: 52% approved of 25STRATA Credit Union: 54% approved of 26Wells Fargo Bank, National Association: 54% approved of 50Kind Lending, LLC: 57% approved of 37Newrez LLC: 58% approved of 74New American Funding, LLC: 60% approved of 20Carrington Mortgage Services, LLC: 62% approved of 37Amerihome Mortgage Company, LLC: 65% approved of 34Third Federal Savings And Loan Association Of Cleveland: 67% approved of 33U.S. Bank National Association: 69% approved of 36Mortgage Research Center, LLC: 70% approved of 103Homebridge Financial Services, Inc.: 70% approved of 37JPMorgan Chase Bank, National Association: 75% approved of 36Rocket Mortgage, LLC: 75% approved of 350United Wholesale Mortgage, LLC: 76% approved of 716Royal United Mortgage LLC: 77% approved of 30Loandepot.Com, LLC: 80% approved of 49Pennymac Loan Services, LLC: 80% approved of 138Planet Home Lending, LLC: 80% approved of 51Nationstar Mortgage LLC: 82% approved of 44Mutual of Omaha Mortgage, Inc.: 83% approved of 29Sun West Mortgage Company, Inc.: 83% approved of 30LoanUnited.com, LLC: 85% approved of 26Intelliloan, Inc.: 86% approved of 21Village Capital & Investment LLC: 88% approved of 128Longbridge Financial, LLC: 88% approved of 34Finance of America Reverse LLC: 92% approved of 38Ocmbc, Inc.: 93% approved of 44Freedom Mortgage Corporation: 95% approved of 268The Loan Store, Inc.: 95% approved of 20Moria Development, Inc.: 100% approved of 66American Pacific Mortgage Corporation: 100% approved of 23

Each dot is one lender, placed at its approval rate. Hover for the name and sample size.

Refinance lenders in Kern County

LenderApprovalApprovedTaken upTypical loanLoans made
1United Wholesale Mortgage, LLCBroker only76%544 / 71695%$365K517
2Rocket Mortgage, LLC75%264 / 35093%$295K245
3Freedom Mortgage Corporation95%254 / 26873%$365K185
4Lakeview Loan Servicing, LLC45%110 / 24519%$395K21
5Pennymac Loan Services, LLC80%110 / 13891%$355K100

Ranked by lending volume. Approval is the share of decided applications a lender approved; taken up is the share of approvals the borrower accepted. Lenders with fewer than 20 decisions are marked as a limited sample and are never used for a “highest approval” claim. How these numbers are built.

Fat Boy found 253 more lenders.

Free. One email unlocks the whole market.

You are seeing the 5 largest mortgage refinance lenders in Kern County. Unlock every lender who decided one of these loans here, what they approved, how much borrowers actually took, and how far the nearest office is.

  • Every lender, ranked
  • Approval and take-up rates
  • Typical loan and full range
  • Nearest office and distance
  • Branch count and how to apply
  • How reachable each lender is

We email you the unlock link and occasional updates on your market. We may share your interest with mortgage providers so they can contact you. How we use your data. Unsubscribe any time.

Other lending data for Kern County

Nearby markets