Cash-out refinancing lenders in Kern County
2,482 cash-out refinancing mortgages were made in Kern County, California, in 2025, by 250 lenders. The median rate their borrowers got was 7.000% on a median loan of $195,000. Of 3,910 decisions, 1,228 were denials — 31.4%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 551 | 8.500% | $105,000 | 23.3% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 298 | 6.979% | $210,000 | 21.5% |
| NEWREZ LLC | 79 | 7.500% | $135,000 | 50.9% |
| VALLEY STRONG CREDIT UNION | 78 | 6.813% | $155,000 | 28.2% |
| FREEDOM MORTGAGE CORPORATION | 77 | 6.500% | $315,000 | 28.3% |
| OCMBC, INC. | 69 | 7.375% | $215,000 | 6.7% |
| Loandepot.Com, LLC | 65 | 6.875% | $185,000 | 34.3% |
| GoodLeap, LLC | 55 | 7.400% | $75,000 | 19.8% |
| AmeriSave Mortgage Corporation | 48 | 7.813% | $85,000 | 74.9% |
| PENNYMAC LOAN SERVICES, LLC | 48 | 6.063% | $215,000 | 28.4% |
| NATIONSTAR MORTGAGE LLC | 43 | 6.990% | $225,000 | 10.2% |
| CARRINGTON MORTGAGE SERVICES, LLC | 41 | 6.625% | $185,000 | 60.9% |
| AMWEST FUNDING CORP. | 41 | 7.500% | $205,000 | 8.9% |
| JPMorgan Chase Bank, National Association | 32 | 6.688% | $180,000 | 31.3% |
| DIGNIFIED HOME LOANS, LLC | 29 | 6.990% | $265,000 | 0.0% |
| Broker Solutions, Inc. | 25 | 6.875% | $165,000 | 28.6% |
| Wells Fargo Bank, National Association | 25 | 6.625% | $195,000 | 32.4% |
| Equity Prime Mortgage LLC | 22 | 6.688% | $305,000 | 35.3% |
| SAFE 1 CREDIT UNION | 22 | 6.125% | $205,000 | 8.3% |
| KIND LENDING, LLC | 21 | 7.000% | $295,000 | 26.7% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 20 | 6.625% | $175,000 | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 19 | 5.854% | $315,000 | 26.7% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 18 | 6.688% | $220,000 | 40.0% |
| HOMEXPRESS MORTGAGE CORP. | 17 | 7.875% | $225,000 | 50.0% |
| ROYAL PACIFIC FUNDING CORP. | 17 | 7.125% | $245,000 | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 17 | 10.115% | $205,000 | 0.0% |
| Navy Federal Credit Union | 16 | 9.000% | $110,000 | 46.7% |
| Commerce Home Mortgage, Inc. | 16 | 7.313% | $225,000 | 30.4% |
| THE LOAN STORE, INC. | 16 | 6.875% | $270,000 | 8.3% |
| CROSSCOUNTRY MORTGAGE, INC. | 15 | 6.990% | $275,000 | 20.0% |
| CHAMPIONS FUNDING, LLC | 15 | 7.250% | $275,000 | 25.0% |
| LOGIX FEDERAL CREDIT UNION | 15 | 7.725% | $75,000 | 16.7% |
| GOLDEN EMPIRE MORTGAGE, INC. | 14 | 6.500% | $195,000 | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 13 | 6.625% | $235,000 | 40.9% |
| PHH Mortgage Corporation | 13 | 6.625% | $185,000 | 27.8% |
| 254900M2C4Q6DATP2889 | 12 | 6.370% | $230,000 | 50.0% |
| GUILD MORTGAGE COMPANY | 12 | 7.990% | $85,000 | 6.7% |
| AMERITRUST MORTGAGE CORPORATION | 12 | 7.313% | $295,000 | 0.0% |
| Coastal Community Bank | 11 | 8.990% | $105,000 | 0.0% |
| Citadel Servicing Corporation | 11 | 6.999% | $215,000 | 9.1% |
| PLAZA HOME MORTGAGE, INC. | 11 | 6.750% | $125,000 | 42.9% |
| SPRING EQ, LLC | 10 | 9.663% | $105,000 | 73.0% |
| Hometown Equity Mortgage, LLC | 10 | 6.933% | $225,000 | 52.4% |
| EVERETT FINANCIAL, INC. | 10 | 6.563% | $230,000 | 9.1% |
| QUORUM FEDERAL CREDIT UNION | 10 | 8.438% | $105,000 | 36.8% |
| Logan Finance Corporation | 10 | 7.687% | $265,000 | 28.6% |
| MLD MORTGAGE INC. | 10 | 6.875% | $215,000 | 15.4% |
| Paramount Residential Mortgage Group, Inc. | 10 | 6.745% | $215,000 | 9.1% |
| NEW DAY FINANCIAL, LLC | 9 | Under 10 loans | Under 10 loans | 70.6% |
| LAKEVIEW LOAN SERVICING, LLC | 9 | Under 10 loans | Under 10 loans | 77.6% |
| The Federal Savings Bank | 9 | Under 10 loans | Under 10 loans | 18.2% |
| U.S. Bank National Association | 9 | Under 10 loans | Under 10 loans | 50.0% |
| STRATA Credit Union | 9 | Under 10 loans | Under 10 loans | 50.0% |
| THE GOLDEN 1 | 9 | Under 10 loans | Under 10 loans | 47.1% |
| JMAC LENDING, INC. | 9 | Under 10 loans | Under 10 loans | 10.0% |
| NEXERA HOLDING LLC | 9 | Under 10 loans | Under 10 loans | 10.0% |
| FlexPoint, Inc. | 8 | Under 10 loans | Under 10 loans | 5.6% |
| BETTER MORTGAGE CORPORATION | 8 | Under 10 loans | Under 10 loans | 20.0% |
| POINT MORTGAGE CORPORATION | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Firefighters First Federal Credit Union | 8 | Under 10 loans | Under 10 loans | 0.0% |
| NEW WAVE LENDING GROUP INC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| COAST 2 COAST FUNDING GROUP, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 7 | Under 10 loans | Under 10 loans | 64.3% |
| NATIONS DIRECT MORTGAGE, LLC | 7 | Under 10 loans | Under 10 loans | 12.5% |
| 9845005BP6974AE5D838 | 7 | Under 10 loans | Under 10 loans | 10.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 7 | Under 10 loans | Under 10 loans | 12.5% |
| VAL-CHRIS INVESTMENTS, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| LOWER, LLC | 6 | Under 10 loans | Under 10 loans | 50.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 6 | Under 10 loans | Under 10 loans | 14.3% |
| CMG MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 11.1% |
| VERITAS FUNDING, LLC | 6 | Under 10 loans | Under 10 loans | 25.0% |
| Fairway Independent Mortgage Corporation | 6 | Under 10 loans | Under 10 loans | 14.3% |
| DAS Acquisition Company, LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| FIRST COLONY MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Research Center, LLC | 5 | Under 10 loans | Under 10 loans | 86.8% |
| AMERICAN FINANCING CORPORATION | 5 | Under 10 loans | Under 10 loans | 65.6% |
| GUARANTEED RATE, INC. | 5 | Under 10 loans | Under 10 loans | 14.3% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 5 | Under 10 loans | Under 10 loans | 41.7% |
| Magnolia Bank, Incorporated | 5 | Under 10 loans | Under 10 loans | 33.3% |
| SCHOOLSFIRST | 5 | Under 10 loans | Under 10 loans | 14.3% |
| DEEPHAVEN MORTGAGE LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Bank of America, National Association | 5 | Under 10 loans | Under 10 loans | 28.6% |
| TOP FLITE FINANCIAL, INC. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| MISSION LOANS, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Peak Residential Lending Inc | 4 | Under 10 loans | Under 10 loans | 0.0% |
| BMO Bank National Association | 4 | Under 10 loans | Under 10 loans | 66.7% |
| A&D Mortgage LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CAKE MORTGAGE CORP. | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Home Mortgage Alliance Corporation (HMAC) | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Nations Lending Corporation | 4 | Under 10 loans | Under 10 loans | 14.3% |
| UNION HOME MORTGAGE CORP. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ARC HOME LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CLEAREDGE LENDING LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ALAMEDA MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| NORTHROP GRUMMAN Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Manufacturers and Traders Trust Company | 3 | Under 10 loans | Under 10 loans | 25.0% |
| AAA CAPITAL INVESTMENT, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FRANKLIN LOAN CORPORATION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| V.I.P. MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| JMJ FINANCIAL GROUP | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LUXURY MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NMSI, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Greenbox Loans, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NETWORK CAPITAL FUNDING CORPORATION | 2 | Under 10 loans | Under 10 loans | 75.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Emporium TPO LLC | 2 | Under 10 loans | Under 10 loans | 12.5% |
| MORIA DEVELOPMENT, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 60.0% |
| Beeline Loans, Inc. | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Flagstar Bank, N.A. | 2 | Under 10 loans | Under 10 loans | 25.0% |
| ORANGE COUNTY'S CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Loan Funder LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Patelco Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Citibank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| FIRST CITY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST STANDARD FINANCIAL CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CAMPOS FINANCIAL CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PFN Lending Group, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LANTZMAN MANAGEMENT, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CLEARPATH LENDING | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LOANLEADERS OF AMERICA, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| EQUITY WAVE LENDING, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CHEVRON Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GENWAY HOME MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 87.5% |
| VISTA POINT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| USAA Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 80.0% |
| SayGO Home Loans, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BAY-VALLEY MORTGAGE GROUP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 33.3% |
| AHL FUNDING | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GENEVA FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OAKTREE FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 1 | Under 10 loans | Under 10 loans | 50.0% |
| MORTGAGE ASSURANCE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BPL MORTGAGE TRUST, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Armed Forces Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TOWER Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Financial Partners Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| WESCOM CENTRAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KINECTA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Valon Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 9845007CY0EC0F59W414 | 1 | Under 10 loans | Under 10 loans | 50.0% |
| USC Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PACIFIC LENDING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| San Joaquin Power Employees Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| F&A Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 254900CTT87ZKAUTIJ37 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Valley West Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| USALLIANCE FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| General Mortgage Capital Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Insignia Capital Corp. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FBC MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VISION ONE MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CHRISTIAN COMMUNITY CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CORNERSTONE CAPITAL BANK, SSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EXCITE Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PGIM REAL ESTATE AGENCY FINANCING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TULARE COUNTY Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ADVANCIAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CONTOUR MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIED MORTGAGE GROUP, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Fidelity Lending Solutions, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bison State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Fresno First Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RIGHT START MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PIKE CREEK MORTGAGE SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 549300YVM8B4UQC5DK40 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PNC Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| East West Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First American Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Allied First Bank,sb | 0 | Under 10 loans | Under 10 loans | 100.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 0 | Under 10 loans | Under 10 loans | 33.3% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 0 | Under 10 loans | Under 10 loans | 100.0% |
| LENDINGONE, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| 549300PWMS2701UFP528 | 0 | Under 10 loans | Under 10 loans | Not published |
| Texana Bank, National Association | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Tri Counties Bank | 0 | Under 10 loans | Under 10 loans | 66.7% |
| STG MORTGAGE INC | 0 | Under 10 loans | Under 10 loans | Not published |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 0 | Under 10 loans | Under 10 loans | 50.0% |
| Filo Mortgage, L.L.C. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| MORTGAGEONE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| FUNDLOANS CAPITAL | 0 | Under 10 loans | Under 10 loans | Not published |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 50 lenders each made 0 or fewer mortgages here, and are counted in the totals above.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.