{
  "canonical_url": "https://lendb.ai/in/california/kern-county/fha-loans",
  "summary": "These are lenders, not loan officers. Of the lenders LenDb lists, 138 funded FHA home loans in Kern County, CA in 2025, 3,664 loans in all, per HMDA, FFIEC/CFPB data. The most active were United Wholesale Mortgage (664), Rocket Mortgage (241) and Kind Lending, LLC (223). 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": "fha",
  "year": 2025,
  "source": "HMDA, FFIEC/CFPB",
  "source_url": "https://ffiec.cfpb.gov/data-publication/snapshot-national-loan-level-dataset/2025",
  "totals": {
    "lenders": 138,
    "lenders_10": 50,
    "loans": 3664,
    "qualifies": true
  },
  "lenders": [
    {
      "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": 664,
      "includes_brokered": true,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 3030,
      "name": "Rocket Mortgage",
      "slug": "rocket-mortgage-3030",
      "canonical_url": "https://lendb.ai/lender/rocket-mortgage-3030",
      "loans": 241,
      "includes_brokered": true,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 3925,
      "name": "Kind Lending, LLC",
      "slug": "kind-lending-3925",
      "canonical_url": "https://lendb.ai/lender/kind-lending-3925",
      "loans": 223,
      "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": 196,
      "includes_brokered": false,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "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": 194,
      "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": 14622,
      "name": "DHI Mortgage",
      "slug": "dhi-mortgage-14622",
      "canonical_url": "https://lendb.ai/lender/dhi-mortgage-14622",
      "loans": 180,
      "includes_brokered": false,
      "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": 165,
      "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": 2767,
      "name": "Freedom Mortgage",
      "slug": "freedom-mortgage-2767",
      "canonical_url": "https://lendb.ai/lender/freedom-mortgage-2767",
      "loans": 128,
      "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": 109,
      "includes_brokered": false,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 243082,
      "name": "FlexPoint, Inc.",
      "slug": "flexpoint-inc-243082",
      "canonical_url": "https://lendb.ai/lender/flexpoint-inc-243082",
      "loans": 106,
      "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."
}