Mortgage lending in Kern County
14,913 mortgages were originated in Kern County, California, in 2025.
30-year fixed, this week
6.71%
Freddie Mac's survey average for the week of September 3, 2026 — a year earlier it was 6.56%, and the past year ranged 5.98–6.71%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 14,913
- Median rate
- 6.625%
- Median lender fees
- $8,446
The going rate is the federal "average prime offer rate" for a comparable loan; 0.5 means half a percentage point above it.
- Median loan amount
- $275,000
- Above the going rate (spread over APOR)
- 0.377
- Paid discount points
- 44.7%
- Received lender credits
- 22.3%
- Purchases / refinances
- 56.4% / 26.6%
- Conventional / FHA / VA
- 65.7% / 25.8% / 8.2%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 73.6% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
- Median home price
- $365,000
- That home, 20% down
- $292,000
A median-priced home with 20% down leaves $540,750 of room under the conforming limit, so the ceiling rarely binds on an ordinary purchase.
Borrow more than $832,750 and the loan becomes jumbo — outside agency rules, priced by each lender on its own terms. How limits work
Median price is HUD's figure for the 2026 limit calculation, not a live market quote.
Who lent here
Lenders with at least 50 loans in Kern County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| United Shore Financial Services, LLC | 1,788 | $10,902 | 6.125% |
| Rocket Mortgage, LLC | 1,169 | $6,077 | 6.750% |
| Valley Strong Credit Union | 824 | $3,338 | 8.000% |
| Kind Lending, LLC | 464 | $10,919 | 6.500% |
| Golden Empire Mortgage, Inc. | 462 | $13,275 | 6.250% |
| Moria Development, Inc. | 459 | $9,500 | 6.500% |
| Lennar Mortgage, LLC | 416 | $10,724 | 5.625% |
| Ocmbc, Inc. | 321 | $12,145 | 6.875% |
| Loandepot.Com, LLC | 310 | $6,349 | 6.500% |
| DHI Mortgage Company, Ltd. | 309 | $10,216 | 5.500% |
What lenders charged here
Lender fees on a $275,000 loan, based on what was actually charged in Kern County — not a rule of thumb.
From 10,975 loans where fees were reported. This is what the lender charges — sections A and B of a Loan Estimate. Title, appraisal, taxes and the escrow deposit your lender collects up front for future tax and insurance bills are extra and not in these figures. Compare two offers