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investment property refinance lenders · HMDA 2023–2025

Investment property refinance lenders in Kern County, California

Fat Boy Data analyzed investment property 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. 576 applications were decided by 134 lenders between 2023 and 2025.

Kern County at a glance

134Active lenders5 with 20+ decisions
71.2%Market approval rate410 of 576 decided
$235KTypical loanmedian lender, $10K brackets
90%Borrower take-up367 loans funded

How Kern County compares

Approval rate compared
Kern County71.2%California76.8%All 616 counties77.7%
Typical loan compared
Kern County$235KCalifornia$555KAll 616 counties$235K

What the data shows

Kiavi Funding, Inc. made the most investment property refinances in Kern County, CA, 35 of them.

Moria Development, Inc. approved the highest share of applications among lenders with at least 20 decisions here, 100% of 28.

Lenders approved 71.2% of investment property refinance applications in Kern County, CA, 5.6 percentage points below the California rate of 76.8%.

The typical investment property refinance here is $235K, 58% smaller than the California typical of $555K.

Approval rate of all 5 lenders with 20+ decisions here
0%25%50%75%100%Rocket Mortgage, LLC: 45% approved of 20United Wholesale Mortgage, LLC: 73% approved of 70Kiavi Funding, Inc.: 79% approved of 47Ocmbc, Inc.: 88% approved of 26Moria Development, Inc.: 100% approved of 28

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

Investment property refinance lenders in Kern County

LenderApprovalApprovedTaken upTypical loanLoans made
1United Wholesale Mortgage, LLCBroker only73%51 / 7096%$265K49
2Kiavi Funding, Inc.79%37 / 4795%$235K35
3Moria Development, Inc.100%28 / 28100%$205K28
4Ocmbc, Inc.Broker only88%23 / 2678%$225K18
5Rocket Mortgage, LLC45%9 / 2089%$225K8

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 129 more lenders.

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You are seeing the 5 largest investment property 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.

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