{
  "canonical_url": "https://lendb.ai/in/california/kern-county/conventional-loans",
  "summary": "These are lenders, not loan officers. Of the lenders LenDb lists, 202 funded conventional home loans in Kern County, CA in 2025, 6,513 loans in all, per HMDA, FFIEC/CFPB data. The most active were Rocket Mortgage (847), United Wholesale Mortgage (801) and Moria Development, Inc. (272). Lenders LenDb does not list yet, and lenders below the HMDA reporting thresholds, are not counted. Loan officers LenDb lists at each lender near Kern County are linked below.",
  "county": {
    "fips": "06029",
    "name": "Kern County",
    "state": "CA"
  },
  "loan_type": "conventional",
  "year": 2025,
  "source": "HMDA, FFIEC/CFPB",
  "source_url": "https://ffiec.cfpb.gov/data-publication/snapshot-national-loan-level-dataset/2025",
  "totals": {
    "lenders": 202,
    "lenders_10": 82,
    "loans": 6513,
    "qualifies": true
  },
  "lenders": [
    {
      "nmls_id": 3030,
      "name": "Rocket Mortgage",
      "slug": "rocket-mortgage-3030",
      "canonical_url": "https://lendb.ai/lender/rocket-mortgage-3030",
      "loans": 847,
      "includes_brokered": true,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 3038,
      "name": "United Wholesale Mortgage (broker finder)",
      "slug": "united-wholesale-mortgage-3038",
      "canonical_url": "https://lendb.ai/lender/united-wholesale-mortgage-3038",
      "loans": 801,
      "includes_brokered": true,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 6274,
      "name": "Moria Development, Inc.",
      "slug": "moria-development-inc-6274",
      "canonical_url": "https://lendb.ai/lender/moria-development-inc-6274",
      "loans": 272,
      "includes_brokered": false,
      "loan_officers": {
        "total": 23,
        "people": [
          {
            "nmls_id": 200923,
            "full_name": "John Stewart",
            "canonical_url": "https://lendb.ai/lo/john-stewart-200923",
            "branch_city": "Bakersfield",
            "branch_state": "CA"
          },
          {
            "nmls_id": 248756,
            "full_name": "Kevin Gonsalves",
            "canonical_url": "https://lendb.ai/lo/kevin-gonsalves-248756",
            "branch_city": "Bakersfield",
            "branch_state": "CA"
          },
          {
            "nmls_id": 252334,
            "full_name": "Sandy Hanson",
            "canonical_url": "https://lendb.ai/lo/sandy-hanson-252334",
            "branch_city": "Bakersfield",
            "branch_state": "CA"
          }
        ]
      }
    },
    {
      "nmls_id": 2427,
      "name": "Golden Empire Mortgage, Inc.",
      "slug": "golden-empire-mortgage-inc-2427",
      "canonical_url": "https://lendb.ai/lender/golden-empire-mortgage-inc-2427",
      "loans": 249,
      "includes_brokered": false,
      "loan_officers": {
        "total": 25,
        "people": [
          {
            "nmls_id": 226378,
            "full_name": "Jeff Potts",
            "canonical_url": "https://lendb.ai/lo/jeff-potts-226378",
            "branch_city": "Bakersfield",
            "branch_state": "CA"
          },
          {
            "nmls_id": 237013,
            "full_name": "Arturo Esparza",
            "canonical_url": "https://lendb.ai/lo/arturo-esparza-237013",
            "branch_city": "Bakersfield",
            "branch_state": "CA"
          },
          {
            "nmls_id": 241981,
            "full_name": "Kraig Gradowitz",
            "canonical_url": "https://lendb.ai/lo/kraig-gradowitz-241981",
            "branch_city": "Bakersfield",
            "branch_state": "CA"
          }
        ]
      }
    },
    {
      "nmls_id": 3925,
      "name": "Kind Lending, LLC",
      "slug": "kind-lending-3925",
      "canonical_url": "https://lendb.ai/lender/kind-lending-3925",
      "loans": 214,
      "includes_brokered": true,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 2125,
      "name": "OCMBC, INC.",
      "slug": "ocmbc-inc-2125",
      "canonical_url": "https://lendb.ai/lender/ocmbc-inc-2125",
      "loans": 210,
      "includes_brokered": true,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 1058,
      "name": "Lennar Mortgage",
      "slug": "lennar-mortgage-1058",
      "canonical_url": "https://lendb.ai/lender/lennar-mortgage-1058",
      "loans": 198,
      "includes_brokered": false,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 174457,
      "name": "loanDepot",
      "slug": "loandepot-174457",
      "canonical_url": "https://lendb.ai/lender/loandepot-174457",
      "loans": 165,
      "includes_brokered": false,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 309234,
      "name": "Dignified Home Loans, LLC",
      "slug": "dignified-home-loans-llc-309234",
      "canonical_url": "https://lendb.ai/lender/dignified-home-loans-llc-309234",
      "loans": 158,
      "includes_brokered": false,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 35953,
      "name": "Pennymac",
      "slug": "pennymac-35953",
      "canonical_url": "https://lendb.ai/lender/pennymac-35953",
      "loans": 132,
      "includes_brokered": true,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    }
  ],
  "note": "Counts describe the company, not any one loan officer. Only lenders above the HMDA reporting thresholds file, and LenDb has matched about 70% of HMDA loan volume to lenders it lists, so a lender without HMDA data here may still make these loans."
}