Refinancing lenders in Kern County
1,489 refinancing mortgages were made in Kern County, California, in 2025, by 267 lenders. The median rate their borrowers got was 6.125% on a median loan of $325,000. Of 2,325 decisions, 603 were denials — 25.9%, most often for credit application incomplete.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 306 | 5.625% | $365,000 | 20.6% |
| Rocket Mortgage, LLC | 133 | 5.990% | $295,000 | 25.9% |
| FREEDOM MORTGAGE CORPORATION | 126 | 6.000% | $380,000 | 5.3% |
| PENNYMAC LOAN SERVICES, LLC | 54 | 5.933% | $380,000 | 23.6% |
| MORIA DEVELOPMENT, INC. | 51 | 6.875% | $245,000 | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 37 | 6.125% | $385,000 | 12.3% |
| Mortgage Research Center, LLC | 29 | 5.750% | $355,000 | 39.2% |
| Bank of America, National Association | 29 | 6.240% | $105,000 | 47.3% |
| Loandepot.Com, LLC | 26 | 5.990% | $405,000 | 21.2% |
| OCMBC, INC. | 24 | 6.750% | $270,000 | 9.3% |
| NEWREZ LLC | 21 | 5.750% | $365,000 | 39.5% |
| NATIONSTAR MORTGAGE LLC | 21 | 6.250% | $345,000 | 18.5% |
| PLANET HOME LENDING, LLC | 21 | 5.750% | $385,000 | 19.2% |
| VALLEY STRONG CREDIT UNION | 17 | 5.875% | $275,000 | 46.2% |
| Kiavi Funding, Inc. | 16 | 7.625% | $250,000 | 15.8% |
| KIND LENDING, LLC | 16 | 6.313% | $325,000 | 33.3% |
| AMERIHOME MORTGAGE COMPANY, LLC | 15 | 6.375% | $315,000 | 37.5% |
| JPMorgan Chase Bank, National Association | 15 | 6.375% | $185,000 | 25.0% |
| LONGBRIDGE FINANCIAL, LLC | 15 | 6.250% | $135,000 | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 12 | 6.000% | $425,000 | 0.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 11 | 6.125% | $345,000 | 8.3% |
| SOUTH RIVER MORTGAGE, LLC | 11 | 8.990% | $125,000 | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 11 | 5.990% | $385,000 | 0.0% |
| DIGNIFIED HOME LOANS, LLC | 11 | 6.624% | $385,000 | 0.0% |
| LoanUnited.com, LLC | 10 | 5.563% | $430,000 | 28.6% |
| Commerce Home Mortgage, Inc. | 10 | 6.563% | $190,000 | 16.7% |
| ROYAL PACIFIC FUNDING CORP. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| CMG MORTGAGE, INC. | 9 | Under 10 loans | Under 10 loans | 15.4% |
| FINANCE OF AMERICA REVERSE LLC | 9 | Under 10 loans | Under 10 loans | 16.7% |
| TRADITIONAL MORTGAGE ACCEPTANCE CORPORATION | 9 | Under 10 loans | Under 10 loans | 25.0% |
| Broker Solutions, Inc. | 8 | Under 10 loans | Under 10 loans | 33.3% |
| Tri Counties Bank | 8 | Under 10 loans | Under 10 loans | 50.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 8 | Under 10 loans | Under 10 loans | 35.7% |
| Third Federal Savings and Loan Association of Cleveland | 8 | Under 10 loans | Under 10 loans | 42.9% |
| GOLDEN EMPIRE MORTGAGE, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 8 | Under 10 loans | Under 10 loans | 27.3% |
| LAKEVIEW LOAN SERVICING, LLC | 7 | Under 10 loans | Under 10 loans | 62.2% |
| Nations Lending Corporation | 7 | Under 10 loans | Under 10 loans | 12.5% |
| SAFE 1 CREDIT UNION | 7 | Under 10 loans | Under 10 loans | 12.5% |
| CARRINGTON MORTGAGE SERVICES, LLC | 6 | Under 10 loans | Under 10 loans | 31.8% |
| INTELLILOAN, INC. | 6 | Under 10 loans | Under 10 loans | 27.3% |
| PHH Mortgage Corporation | 6 | Under 10 loans | Under 10 loans | 22.2% |
| A&D Mortgage LLC | 6 | Under 10 loans | Under 10 loans | 25.0% |
| THE LOAN STORE, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| GUILD MORTGAGE COMPANY | 6 | Under 10 loans | Under 10 loans | 0.0% |
| MLD MORTGAGE INC. | 6 | Under 10 loans | Under 10 loans | 11.1% |
| THE GOLDEN 1 | 6 | Under 10 loans | Under 10 loans | 0.0% |
| U.S. Bank National Association | 5 | Under 10 loans | Under 10 loans | 50.0% |
| STRATA Credit Union | 5 | Under 10 loans | Under 10 loans | 44.4% |
| SPRING EQ, LLC | 5 | Under 10 loans | Under 10 loans | 64.3% |
| AMERITRUST MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 37.5% |
| Sierra Pacific Mortgage Company, Inc. | 5 | Under 10 loans | Under 10 loans | 28.6% |
| CHAMPIONS FUNDING, LLC | 5 | Under 10 loans | Under 10 loans | 28.6% |
| CLEARPATH LENDING | 5 | Under 10 loans | Under 10 loans | 16.7% |
| NEW WAVE LENDING GROUP INC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 16.7% |
| UNION HOME MORTGAGE CORP. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Lendage, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| DATA MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Navy Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 60.0% |
| Wells Fargo Bank, National Association | 4 | Under 10 loans | Under 10 loans | 63.6% |
| Fairway Independent Mortgage Corporation | 4 | Under 10 loans | Under 10 loans | 42.9% |
| GoodLeap, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SmartFi Home Loans, LLC | 4 | Under 10 loans | Under 10 loans | 33.3% |
| ROYAL UNITED MORTGAGE LLC | 4 | Under 10 loans | Under 10 loans | 33.3% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| POINT MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| University Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MISSION LOANS, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Equity Prime Mortgage LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| HOMEXPRESS MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 70.0% |
| Hometown Equity Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 70.0% |
| Peak Residential Lending Inc | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AHL FUNDING | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GENEVA FINANCIAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Wilmington Savings Fund Society, FSB | 3 | Under 10 loans | Under 10 loans | 0.0% |
| DAS Acquisition Company, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| 254900CTT87ZKAUTIJ37 | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NMSI, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NEXERA HOLDING LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FlexPoint, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 2 | Under 10 loans | Under 10 loans | 25.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| EMM LOANS LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Texana Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LOWER, LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| NEW DAY FINANCIAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FOUNDATION MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 16.7% |
| SOFI BANK, NATIONAL ASSOCIATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NQM FUNDING, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| VISTA POINT MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| AUGUSTA FINANCIAL, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PNC Bank, National Association | 2 | Under 10 loans | Under 10 loans | 50.0% |
| ML Mortgage Corp. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BAY-VALLEY MORTGAGE GROUP | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CAKE MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| VISION ONE MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| SAMMAMISH MORTGAGE COMPANY | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Valon Mortgage, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 9845007CY0EC0F59W414 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PACIFIC LENDING LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AAA CAPITAL INVESTMENT, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| OCEANSIDE MORTGAGE COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST ENTERTAINMENT | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NFM, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Greenbox Loans, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MASON MCDUFFIE MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Emporium TPO LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 1 | Under 10 loans | Under 10 loans | 92.9% |
| BETTER MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 66.7% |
| SCHOOLSFIRST | 1 | Under 10 loans | Under 10 loans | 66.7% |
| CASTLE & COOKE MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| GENWAY HOME MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 80.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE MANAGEMENT CONSULTANTS, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 66.7% |
| EDUCATIONAL EMPLOYEES CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| 254900M2C4Q6DATP2889 | 1 | Under 10 loans | Under 10 loans | 50.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 66.7% |
| AMWEST FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Mechanics Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| MORTGAGE CAPITAL PARTNERS, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Allied First Bank,sb | 1 | Under 10 loans | Under 10 loans | 66.7% |
| DEEPHAVEN MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Firefighters First Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Zions Bancorporation, N.A. | 1 | Under 10 loans | Under 10 loans | 66.7% |
| First Federal Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FRANKLIN LOAN CORPORATION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| ENCORE BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PFN Lending Group, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Financial Partners Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| OAKTREE FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 549300MPZDD9EFQ1E963 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| QUORUM FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| NORWICH COMMERCIAL GROUP, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Provident Savings Bank, F.S.B. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Fifth Third Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HSBC BANK USA, NATIONAL ASSOCIATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| American Riviera Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Watermark Capital, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| F&A Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ICE LENDER HOLDINGS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LOGIX FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALTITUDE FINANCIAL CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGEONE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CAMPOS FINANCIAL CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Fremont Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LANTZMAN MANAGEMENT, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| WESCOM CENTRAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 549300DLBRGR2O0VNZ96 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TULARE COUNTY Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Five Star Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| WHEELHOUSE CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CLEAREDGE LENDING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CALIFORNIA CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LUMENT REAL ESTATE CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AgWest Farm Credit, FLCA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FARMERS INSURANCE GROUP FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Gain Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of Utah | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Pacific Premier Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CENTRAL COAST LENDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BAY EQUITY LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EMET LENDING GROUP, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TOWNE MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BELLWETHER ENTERPRISE REAL ESTATE CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Wheaton Bank & Trust, N.A. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Reliance Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOMESTEAD FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Fresno First Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| COASTAL FUNDING SLC, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Self-Help Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RANLIFE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DELTA COMMUNITY CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CANOPY MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Truist Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| PENTAGON FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 80.0% |
| NETWORK CAPITAL FUNDING CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| LADERA LENDING, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| 549300PWMS2701UFP528 | 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 67 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.