California · HMDA 2025
Mortgage lenders in Kern County, CA
472 lenders reported 31,328 home-loan applications in Kern County in 2025. 14,916 closed as loans ($4.2B), 4,778 were denied — a 22.7% denial rate on decided applications, close to the California rate of 22.3%. The three most active lenders handled 18% of applications, led by UNITED SHORE FINANCIAL SERVICES, LLC. 7 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 31,328
- Loans originated
- 14,916
- Purchase / refinance
- 8,417 / 3,972
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Kern County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | UNITED SHORE FINANCIAL SERVICES, LLC | 2,398 | 7.7% | — |
| 2 | Rocket Mortgage, LLC | 1,695 | 5.4% | — |
| 3 | VALLEY STRONG CREDIT UNION 51 out of 100, Below average | 1,549 | 4.9% | 25.3% |
| 4 | PENNYMAC LOAN SERVICES, LLC | 1,269 | 4.1% | — |
| 5 | FREEDOM MORTGAGE CORPORATION | 964 | 3.1% | — |
| 6 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 908 | 2.9% | 14.1% |
| 7 | LAKEVIEW LOAN SERVICING, LLC | 862 | 2.8% | — |
| 8 | FIGURE LENDING LLC | 785 | 2.5% | — |
| 9 | NEWREZ LLC | 759 | 2.4% | — |
| 10 | KIND LENDING, LLC | 661 | 2.1% | — |
| 11 | MORIA DEVELOPMENT, INC. | 634 | 2.0% | — |
| 12 | Loandepot.Com, LLC | 631 | 2.0% | — |
| 13 | GOLDEN EMPIRE MORTGAGE, INC. | 600 | 1.9% | — |
| 14 | Bank of America, National Association 59 out of 100, Moderate | 579 | 1.8% | 44.7% |
| 15 | LENNAR MORTGAGE, LLC | 572 | 1.8% | — |
| 16 | OCMBC, INC. | 536 | 1.7% | — |
| 17 | U.S. Bank National Association 55 out of 100, Moderate | 473 | 1.5% | 39.5% |
| 18 | AMERIHOME MORTGAGE COMPANY, LLC | 471 | 1.5% | — |
| 19 | NATIONSTAR MORTGAGE LLC | 466 | 1.5% | — |
| 20 | SPRING EQ, LLC | 436 | 1.4% | — |
| 21 | Navy Federal Credit Union 66 out of 100, Moderate | 429 | 1.4% | 32.9% |
| 22 | Broker Solutions, Inc. | 426 | 1.4% | — |
| 23 | DHI MORTGAGE COMPANY, LTD. | 417 | 1.3% | — |
| 24 | Coastal Community Bank 35 out of 100, Low | 386 | 1.2% | 3.0% |
| 25 | Mortgage Research Center, LLC | 336 | 1.1% | — |
| 26 | PLANET HOME LENDING, LLC | 334 | 1.1% | — |
| 27 | SAFE 1 CREDIT UNION 90 out of 100, Very strong | 328 | 1.0% | 12.3% |
| 28 | Sierra Pacific Mortgage Company, Inc. | 321 | 1.0% | — |
| 29 | FlexPoint, Inc. | 318 | 1.0% | — |
| 30 | THE LOAN STORE, INC. | 288 | 0.9% | — |
| 31 | STRATA Credit Union | 275 | 0.9% | — |
| 32 | 21st Mortgage Corporation | 264 | 0.8% | — |
| 33 | DIGNIFIED HOME LOANS, LLC | 262 | 0.8% | — |
| 34 | AmeriSave Mortgage Corporation | 234 | 0.7% | — |
| 35 | CROSSCOUNTRY MORTGAGE, INC. | 234 | 0.7% | — |
| 36 | VILLAGE CAPITAL & INVESTMENT LLC | 201 | 0.6% | — |
| 37 | CARRINGTON MORTGAGE SERVICES, LLC | 194 | 0.6% | — |
| 38 | K. HOVNANIAN AMERICAN MORTGAGE, L.L.C. | 178 | 0.6% | — |
| 39 | ROYAL PACIFIC FUNDING CORP. | 160 | 0.5% | — |
| 40 | PHH Mortgage Corporation | 156 | 0.5% | — |
Top 40 of 472 lenders shown. Denial rates are each lender's nationwide figure for 2025, available for banks and credit unions we profile.
Other counties in California
- Los Angeles County 221,487 apps
- San Diego County 103,767 apps
- Riverside County 103,444 apps
- Orange County 86,651 apps
- San Bernardino County 77,329 apps
- Sacramento County 56,166 apps
- Santa Clara County 45,843 apps
- Alameda County 41,873 apps
- Contra Costa County 38,954 apps
- Fresno County 29,585 apps
- San Joaquin County 28,724 apps
- Ventura County 24,690 apps