Mortgage Lenders in Kern County, California

12 verified lenders ranked by county experience score and trust score.

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Showing 1–12 of 12 lenders

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American Pacific Mortgage (Central Valley)

Clovis · California · Serves Kern County, California

BrokerNMLS VerifiedBBB A+

4.9(890 reviews)

California independent broker — deep Central Valley expertise for affordable family and positive cash-flow investor financing in Clovis.

ConventionalFHAVARefinanceAffordable Family Financing

NMLS: 1850
Trust Score: 94/100
County Exp.: 95/100
Close est.*: ~24 days

*Editorial estimate — not an NMLS/CFPB field. Methodology

Anchor Home Mortgage (Bakersfield)

Bakersfield · California · Serves Kern County, California

BrokerNMLS VerifiedBBB A+

4.9(275 reviews)

Independent broker — strong focus on Central Valley affordability and positive cash-flow investor deals.

ConventionalFHAVARefinanceAffordability Focus

NMLS: 136890
Trust Score: 93/100
County Exp.: 94/100
Close est.*: ~23 days

*Editorial estimate — not an NMLS/CFPB field. Methodology

New American Funding (Clovis)

Clovis · California · Serves Kern County, California

LenderNMLS VerifiedBBB A+

4.9(380 reviews)

NAF Clovis team — excellent ratings for remote worker and first-time buyer volume in elite-school suburbs.

ConventionalFHAVARefinanceRemote Worker Volume

NMLS: 6606
Trust Score: 92/100
County Exp.: 93/100
Close est.*: ~26 days

*Editorial estimate — not an NMLS/CFPB field. Methodology

PierPoint Mortgage (Central Valley)

Clovis · California · Serves Kern County, California

BrokerNMLS VerifiedBBB A+

4.9(165 reviews)

Wholesale broker — speed and transparency for Central Valley's $400K–$430K median purchase market.

ConventionalFHAVARefinance$400K–$430K Medians

NMLS: 112844
Trust Score: 92/100
County Exp.: 93/100
Close est.*: ~22 days

*Editorial estimate — not an NMLS/CFPB field. Methodology

Educational Employees Credit Union (EECU)

Fresno · California · Serves Kern County, California

Credit UnionNMLS VerifiedBBB A+

4.9(520 reviews)

Fresno-area credit union — community-focused member rates for qualified buyers and investor cash-flow properties.

ConventionalFHAVARefinanceMember Rates

NMLS: 402788
Trust Score: 92/100
County Exp.: 93/100
Close est.*: ~28 days

*Editorial estimate — not an NMLS/CFPB field. Methodology

Silverton Mortgage — Bakersfield

Bakersfield · California · Serves Kern County, California

LenderNMLS VerifiedBBB A

4.8(155 reviews)

Silverton Bakersfield retail lending — professional service for agricultural heartland and affordability buyers.

ConventionalFHAVARefinanceAgricultural Heartland

NMLS: 1561
Trust Score: 91/100
County Exp.: 92/100
Close est.*: ~27 days

*Editorial estimate — not an NMLS/CFPB field. Methodology

Veterans United Home Loans (Central Valley)

Bakersfield · California · Serves Kern County, California

LenderNMLS VerifiedBBB A

4.9(860 reviews)

VA and remote relocation programs — tailored for veterans and tech remote workers in the Central Valley.

VAFHARefinanceVA Loans

NMLS: 1907
Trust Score: 91/100
County Exp.: 92/100
Close est.*: ~30 days

*Editorial estimate — not an NMLS/CFPB field. Methodology

Nova Home Loans (Central Valley)

Bakersfield · California · Serves Kern County, California

LenderNMLS VerifiedBBB A

4.8(390 reviews)

California lender — localized knowledge of Central Valley investor and first-time buyer financing at half state median prices.

ConventionalFHAVARefinanceInvestor Financing

NMLS: 3089
Trust Score: 91/100
County Exp.: 92/100
Close est.*: ~25 days

*Editorial estimate — not an NMLS/CFPB field. Methodology

Guild Mortgage (Central Valley)

Clovis · California · Serves Kern County, California

LenderNMLS VerifiedBBB A

4.8(420 reviews)

National Guild lender with Central Valley branches — comprehensive financing for Clovis suburban buyers and coastal migrants.

ConventionalFHAVARefinanceFull Residential Spectrum

NMLS: 3274
Trust Score: 91/100
County Exp.: 92/100
Close est.*: ~27 days

*Editorial estimate — not an NMLS/CFPB field. Methodology

CrossCountry Mortgage (Central Valley)

Bakersfield · California · Serves Kern County, California

LenderNMLS VerifiedBBB A

4.8(340 reviews)

CrossCountry Bakersfield teams — experienced support for coastal California cost-of-living migration.

ConventionalFHAVARefinanceBay Area/LA Relocators

NMLS: 3029
Trust Score: 90/100
County Exp.: 91/100
Close est.*: ~28 days

*Editorial estimate — not an NMLS/CFPB field. Methodology

Lennar Mortgage (Clovis)

Clovis · California · Serves Kern County, California

LenderNMLS VerifiedBBB A

4.7(310 reviews)

Builder-affiliated lender — expertise in Clovis master-planned communities and premium low-crime suburban layouts.

ConventionalFHAVARefinanceMaster-Planned Suburbs

NMLS: 1058
Trust Score: 89/100
County Exp.: 91/100
Close est.*: ~31 days

*Editorial estimate — not an NMLS/CFPB field. Methodology

Bank of America Mortgage (Central Valley)

Clovis · California · Serves Kern County, California

BankNMLS VerifiedBBB A

4.6(640 reviews)

Full-service bank mortgages convenient for Bay Area and LA relocators seeking Central Valley affordability.

ConventionalFHAVARefinanceRelocation Financing

NMLS: 399802
Trust Score: 87/100
County Exp.: 89/100
Close est.*: ~32 days

*Editorial estimate — not an NMLS/CFPB field. Methodology