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MortRadarTERMINAL
State markets/California/Kern County

COUNTY MORTGAGE MARKET · FIPS 06029

Kern County, California

Who lends in Kern County, how much, and to whom — built from HMDA public mortgage disclosure data, U.S. Census ACS housing estimates and FEMA's National Risk Index.

Origination volume · 2025

$4.22B

Origination volumeSum of loan amount over HMDA records with action taken = 1.

Originations · 2025

14,916

OriginationsCount of HMDA records with action taken = 1 (loan originated) in the activity year.

Denial rate · 2025

17.8%

Denial rateApplications denied (action taken = 3) divided by applications acted upon (actions 1-5).

Lenders active · 2025

473

Lenders activeDistinct LEIs with at least one application acted upon (HMDA action taken 1-5, 7 or 8) in the county and year.

Market structure

How spread out lending is across the 473 lenders that originated in Kern County in 2025. HHI is the Herfindahl-Hirschman index over lender shares.

Concentration (HHI)

370

unconcentrated

Top-5 lender share

31.9%

of originations

Purchase

67.9%

8,417 loans

Refinance

32.1%

3,972 loans

Origination trend

Annual mortgage origination volume and loan count in Kern County, 2023–2025. Pick a window, export the graph or its data, or click a year to open every record behind it.

Lenders in Kern County

Sort, filter, add columns, export, or open a row for the lender's card. Each row links to the lender's company page and to its Kern County loan records. The panel states which source answered and exactly which lenders that source covers.

ORIGINATION FLOOR
Hide the long tail of lenders with only a handful of loans here.
FULL RECORD LIST FOR KERN COUNTY →

TOP TEN LENDERS IN KERN COUNTY · 10

The ten largest lenders by origination volume — the precomputed county leaderboard, not the whole market.

1–10 OF 10 LENDERS

Loading every lender that acted on an application in this county. The rows below are the precomputed county leaderboard — the ten largest by volume, not the whole market.

1,788$608.6M$608.6M originated in Kern County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
1,169$302.1M$302.1M originated in Kern County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
416$159.2M$159.2M originated in Kern County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
464$146.3M$146.3M originated in Kern County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
459$132.9M$132.9M originated in Kern County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
824$123.7M$123.7M originated in Kern County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
462$123.5M$123.5M originated in Kern County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
309$122.6M$122.6M originated in Kern County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
262$96.9M$96.9M originated in Kern County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
321$91.1M$91.1M originated in Kern County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—

Source: the precomputed county lender leaderboard (lender_county_year) — its ten largest lenders by origination volume, not the county. As of HMDA activity year 2025. Denial rate = denials / decisioned applications (originated + approved-but-not-accepted + denied).

ZIP areas in Kern County

All 53 ZIP Code Tabulation Areas that touch Kern County, built by grouping the county's census tracts through the Census 2020 crosswalk. A ZCTA approximates a USPS ZIP code; HMDA itself reports no postal geography, so each row opens the tracts behind it, where the records are exact.

TRACT FLOOR
Hide the ZIP areas that only clip a corner of this county.
53 OF 53 ZIP AREASEVERY ZIP AREA TOUCHING THE COUNTY — NO ROWS WITHHELD
TOP LENDERRECORDS
2525 of the 42 Kern County tracts this ZIP area touches sit mostly inside it.92,89490.8%12,767——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
2020 of the 25 Kern County tracts this ZIP area touches sit mostly inside it.72,35875.4%13,306——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1515 of the 17 Kern County tracts this ZIP area touches sit mostly inside it.62,28968.1%10,366——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1717 of the 23 Kern County tracts this ZIP area touches sit mostly inside it.60,52340.4%10,237——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1313 of the 18 Kern County tracts this ZIP area touches sit mostly inside it.59,76780.9%11,327——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1414 of the 17 Kern County tracts this ZIP area touches sit mostly inside it.51,02084.9%6,330——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1212 of the 15 Kern County tracts this ZIP area touches sit mostly inside it.50,86145.0%11,711——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1212 of the 16 Kern County tracts this ZIP area touches sit mostly inside it.49,85961.3%10,443——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1212 of the 15 Kern County tracts this ZIP area touches sit mostly inside it.42,96597.0%6,316——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1212 of the 19 Kern County tracts this ZIP area touches sit mostly inside it.39,80642.2%10,328——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1010 of the 13 Kern County tracts this ZIP area touches sit mostly inside it.38,53185.3%3,905——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
99 of the 10 Kern County tracts this ZIP area touches sit mostly inside it.32,58838.3%8,544——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
77 of the 9 Kern County tracts this ZIP area touches sit mostly inside it.27,59433.6%8,411——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
88 of the 12 Kern County tracts this ZIP area touches sit mostly inside it.26,44493.4%4,090——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
66 of the 8 Kern County tracts this ZIP area touches sit mostly inside it.21,95962.1%5,042——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
44 of the 7 Kern County tracts this ZIP area touches sit mostly inside it.20,82295.6%2,549——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
44 of the 6 Kern County tracts this ZIP area touches sit mostly inside it.19,29687.4%2,767——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
44 of the 6 Kern County tracts this ZIP area touches sit mostly inside it.17,66595.9%2,467——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
33 of the 5 Kern County tracts this ZIP area touches sit mostly inside it.15,61954.2%2,924——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
55 of the 7 Kern County tracts this ZIP area touches sit mostly inside it.14,51768.2%1,714——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
33 of the 4 Kern County tracts this ZIP area touches sit mostly inside it.12,91797.1%1,427——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
33 of the 4 Kern County tracts this ZIP area touches sit mostly inside it.12,81166.0%2,394——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 3 Kern County tracts this ZIP area touches sit mostly inside it.5,46633.5%1,604——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
11 of the 2 Kern County tracts this ZIP area touches sit mostly inside it.4,83174.7%647——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 1 Kern County tract this ZIP area touches sit mostly inside it.4,35065.8%573——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
22 of the 4 Kern County tracts this ZIP area touches sit mostly inside it.4,16922.9%1,274——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
11 of the 7 Kern County tracts this ZIP area touches sit mostly inside it.4,16371.7%499——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 2 Kern County tracts this ZIP area touches sit mostly inside it.4,04120.4%1,644——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 2 Kern County tracts this ZIP area touches sit mostly inside it.3,73256.7%472——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 3 Kern County tracts this ZIP area touches sit mostly inside it.3,57726.6%825——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 4 Kern County tracts this ZIP area touches sit mostly inside it.3,50828.6%999——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 1 Kern County tract this ZIP area touches sit mostly inside it.2,60529.5%831——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 1 Kern County tract this ZIP area touches sit mostly inside it.2,33243.4%0——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 1 Kern County tract this ZIP area touches sit mostly inside it.2,32722.2%745——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 1 Kern County tract this ZIP area touches sit mostly inside it.2,21629.5%625——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 3 Kern County tracts this ZIP area touches sit mostly inside it.2,08645.1%516——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 3 Kern County tracts this ZIP area touches sit mostly inside it.1,25737.8%494——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
0This ZIP area clips 3 tracts of Kern County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 5 tracts of Kern County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 2 tracts of Kern County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 1 tract of Kern County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 1 tract of Kern County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 2 tracts of Kern County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 1 tract of Kern County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 2 tracts of Kern County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 1 tract of Kern County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 1 tract of Kern County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 2 tracts of Kern County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 2 tracts of Kern County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 1 tract of Kern County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 2 tracts of Kern County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 1 tract of Kern County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
11 of the 1 Kern County tract this ZIP area touches sit mostly inside it.—————OPEN →This ZIP area is one census tract here, so its records open directly and exactly.

236 of Kern County’s 236 census tracts are grouped into the ZIP areas above, with none left over. The two add up to the county exactly, because each tract is counted once. A ZCTA — ZIP Code Tabulation Area — is the U.S. Census Bureau's area approximation of a USPS ZIP code, not the ZIP code itself. HMDA reports no postal geography at all, so these rows are census tracts grouped by the Census 2020 tract-to-ZCTA relationship file: each tract is counted once, in the single ZCTA covering the most of its land. Housing figures are HMDA tract attributes for activity year 2025, summed over the tracts each ZIP area owns — a ZIP area that owns no tract shows an em-dash, never a zero.

Census tracts in Kern County

All 236 tracts, with the FFIEC income character and HMDA housing attributes of each. Open a tract for its own lender ranking, or open its records directly.

236 OF 236 TRACTSEVERY TRACT IN THE COUNTY — NO ROWS WITHHELD
TOP LENDERRECORDS
Middle81.3%3,42234.5%OPEN →
Low49.2%3,81636.5%OPEN →
Middle81.1%1,65437.1%OPEN →
Middle97.5%5,34038.2%OPEN →
Middle107.4%2,66544.1%OPEN →
Moderate60.0%4,44945.8%OPEN →
Middle96.9%3,79741.8%OPEN →
Moderate66.7%4,63042.1%OPEN →
Low37.8%4,75750.2%OPEN →
Middle95.4%4,61539.1%OPEN →
Upper135.2%3,73833.5%OPEN →
Upper123.6%2,32349.4%OPEN →
Upper150.8%3,75744.1%OPEN →
Upper169.1%1,92027.8%OPEN →
Upper222.7%2,65937.0%OPEN →
Upper209.6%4,22345.6%OPEN →
—0.0%2,45364.4%OPEN →
Low22.0%2,93984.1%OPEN →
—0.0%2,31682.7%OPEN →
Middle90.0%2,92770.5%OPEN →
Middle111.0%2,50456.7%OPEN →
Middle98.2%5,60077.2%OPEN →
Moderate72.3%3,89173.5%OPEN →
Middle117.2%4,34770.5%OPEN →
Middle86.0%4,23976.1%OPEN →
Upper123.6%2,63181.3%OPEN →
Middle90.1%4,50484.1%OPEN →
Moderate71.4%2,60082.5%OPEN →
Upper168.1%5,42970.8%OPEN →
Upper193.0%2,61852.4%OPEN →
Moderate65.0%2,75673.6%OPEN →
Middle98.7%3,34969.3%OPEN →
Upper181.9%3,74358.8%OPEN →
Upper147.5%4,12962.0%OPEN →
Upper153.2%3,74369.6%OPEN →
Middle86.5%3,44186.5%OPEN →
Moderate77.5%3,69286.8%OPEN →
Low43.3%5,36887.9%OPEN →
Moderate55.3%2,87691.5%OPEN →
Middle82.3%3,65292.6%OPEN →
Low48.2%2,27994.0%OPEN →
Moderate75.6%2,64793.8%OPEN →
Middle82.1%2,89293.0%OPEN →
Low45.9%6,09993.2%OPEN →
Low46.5%5,27693.6%OPEN →
Low34.2%2,45188.1%OPEN →
Low45.8%4,75087.8%OPEN →
Low41.2%3,08889.2%OPEN →
Low47.4%2,94490.1%OPEN →
—0.0%2,51076.8%OPEN →
Upper133.4%4,29946.5%OPEN →
Moderate74.4%5,51471.8%OPEN →
Middle119.2%2,75449.8%OPEN →
Moderate79.2%3,14459.4%OPEN →
Middle88.8%3,88368.5%OPEN →
Middle80.5%4,80273.9%OPEN →
Low19.3%3,34492.8%OPEN →
Low49.5%4,39290.4%OPEN →
Moderate51.3%3,50494.6%OPEN →
Moderate59.9%2,75398.4%OPEN →
Low46.2%3,76194.9%OPEN →
Moderate71.0%3,17396.8%OPEN →
Moderate76.3%3,66091.5%OPEN →
Moderate72.8%3,24494.6%OPEN →
Moderate56.1%2,66094.8%OPEN →
Middle104.2%2,29181.8%OPEN →
Middle114.8%3,79790.4%OPEN →
Low38.3%3,11690.0%OPEN →
Moderate50.9%4,57693.4%OPEN →
Moderate57.2%2,25698.2%OPEN →
Moderate63.7%2,63698.3%OPEN →
Moderate55.6%3,43991.4%OPEN →
Middle82.1%2,90683.3%OPEN →
Moderate65.5%3,02083.2%OPEN →
Upper134.9%2,76335.7%OPEN →
Upper153.0%2,28547.0%OPEN →
Upper221.5%4,02640.0%OPEN →
Upper218.6%3,90542.8%OPEN →
Moderate60.1%4,61178.3%OPEN →
Moderate76.2%4,53278.2%OPEN →
Moderate76.2%4,39278.1%OPEN →
Middle83.1%5,70078.7%OPEN →
Middle82.6%5,14575.0%OPEN →
Upper144.5%4,02253.0%OPEN →
Middle114.1%4,87364.6%OPEN →
Upper157.2%6,69064.3%OPEN →
Upper130.9%4,75160.4%OPEN →
Upper198.3%3,40744.5%OPEN →
Moderate77.5%4,25661.7%OPEN →
Moderate51.9%2,88381.9%OPEN →
Moderate65.3%2,56570.8%OPEN →
Middle94.3%3,07485.6%OPEN →
Middle84.2%4,42783.6%OPEN →
Moderate66.8%4,14190.1%OPEN →
Low47.4%3,29490.5%OPEN →
Middle80.2%4,82289.5%OPEN →
Middle104.2%5,36579.1%OPEN →
Middle83.1%4,90486.7%OPEN →
Upper143.9%5,80276.6%OPEN →
Middle102.9%3,19487.0%OPEN →
Moderate60.1%5,43788.7%OPEN →
Moderate61.9%4,81392.1%OPEN →
Middle85.1%4,74692.0%OPEN →
Middle91.2%3,78774.0%OPEN →
Upper202.2%4,24675.3%OPEN →
Middle100.8%3,71572.8%OPEN →
Middle94.3%4,58680.9%OPEN →
Upper143.5%3,17667.5%OPEN →
Middle118.5%3,69876.2%OPEN →
Upper186.0%4,08277.6%OPEN →
Middle88.4%2,04185.2%OPEN →
Moderate78.7%3,45390.0%OPEN →
Upper165.5%2,29439.8%OPEN →
Middle90.3%4,93493.6%OPEN →
Middle91.3%7,85293.2%OPEN →
Upper122.1%3,68684.4%OPEN →
Middle112.3%5,91783.5%OPEN →
Middle109.6%4,53388.3%OPEN →
Upper269.8%6,66957.5%OPEN →
Upper164.4%2,06554.2%OPEN →
—0.0%2,51687.0%OPEN →
Middle97.7%3,72677.4%OPEN →
Upper134.3%3,16786.6%OPEN →
Upper137.4%3,15283.3%OPEN →
Upper139.6%6,29887.3%OPEN →
Upper174.6%6,68585.6%OPEN →
Upper179.7%4,80472.6%OPEN →
Upper146.2%4,63665.6%OPEN →
Middle92.1%1,69348.2%OPEN →
Moderate72.9%1,25737.8%OPEN →
Middle113.1%3,73256.7%OPEN →
Middle89.9%3,36732.4%OPEN →
Middle90.4%2,60529.5%OPEN →
Middle98.4%2,09935.4%OPEN →
Moderate71.2%4,38066.7%OPEN →
Middle99.1%6,68645.3%OPEN →
Moderate51.8%4,55355.2%OPEN →
Upper209.4%5,28545.9%OPEN →
Upper150.2%3,58936.5%OPEN →
Upper129.7%4,50449.6%OPEN →
Upper222.2%2,53134.9%OPEN →
Middle105.2%2,72940.8%OPEN →
Upper143.1%4,94849.9%OPEN →
Upper187.6%6,29348.1%OPEN →
Upper188.8%6,08750.8%OPEN →
Middle110.2%3,52245.2%OPEN →
Upper178.5%4,15841.5%OPEN →
Upper146.7%5,16246.2%OPEN →
Upper200.2%3,85142.4%OPEN →
Upper227.4%3,74038.6%OPEN →
Upper216.9%4,60647.8%OPEN →
Upper206.4%3,20639.3%OPEN →
Upper208.9%4,18432.2%OPEN →
Upper127.8%2,27938.0%OPEN →
Upper214.5%2,98246.7%OPEN →
Upper233.0%3,32539.8%OPEN →
Upper212.9%2,44541.5%OPEN →
Middle102.2%3,70263.3%OPEN →
Middle101.4%4,01489.3%OPEN →
Middle99.8%4,32193.3%OPEN →
Middle87.4%5,72776.1%OPEN →
Moderate54.2%5,23493.5%OPEN →
—0.0%——OPEN →
Moderate69.7%5,69194.8%OPEN →
Moderate77.6%3,21896.1%OPEN →
Upper162.0%1,66588.7%OPEN →
Moderate55.2%4,02796.4%OPEN →
Middle98.8%3,39591.0%OPEN →
Moderate64.3%4,82389.3%OPEN →
Moderate70.5%3,62595.4%OPEN →
—0.0%——OPEN →
—0.0%——OPEN →
Upper137.2%3,32691.5%OPEN →
Moderate73.6%2,60597.5%OPEN →
Middle100.5%5,76598.9%OPEN →
Moderate55.8%3,76398.6%OPEN →
Moderate62.4%4,66495.8%OPEN →
Moderate67.7%5,91296.8%OPEN →
Moderate67.3%4,00799.0%OPEN →
Moderate51.9%6,19397.5%OPEN →
Moderate52.3%5,41397.6%OPEN →
Middle89.4%4,82397.7%OPEN →
Middle106.7%3,00997.0%OPEN →
Moderate74.4%3,51295.8%OPEN →
Moderate74.9%4,20495.2%OPEN →
Upper141.8%3,43492.0%OPEN →
Moderate76.5%2,72626.9%OPEN →
Upper197.2%4,16735.0%OPEN →
Moderate62.7%4,04120.4%OPEN →
Low43.3%3,57726.6%OPEN →
Moderate72.0%2,58219.8%OPEN →
Middle90.5%2,32722.2%OPEN →
Moderate51.6%3,21219.6%OPEN →
Moderate79.8%2,10455.5%OPEN →
Upper160.1%5,00036.6%OPEN →
Middle88.8%2,45848.3%OPEN →
Upper168.6%3,51432.1%OPEN →
Middle91.8%4,15239.5%OPEN →
Upper184.5%4,66940.3%OPEN →
Upper158.6%4,72538.8%OPEN →
Middle81.5%1,81633.5%OPEN →
Middle101.5%4,73165.1%OPEN →
Upper162.3%4,15029.0%OPEN →
Upper129.6%2,21629.5%OPEN →
Middle86.8%5,07168.5%OPEN →
Upper148.1%3,00963.3%OPEN →
Upper145.1%2,54961.9%OPEN →
Upper145.2%3,42847.3%OPEN →
Middle100.3%2,08645.1%OPEN →
Middle118.0%2,33243.4%OPEN →
Middle80.2%3,34468.9%OPEN →
Moderate76.6%5,27171.7%OPEN →
Upper148.8%2,64556.5%OPEN →
Upper191.6%4,72260.8%OPEN →
Moderate79.5%4,16371.7%OPEN →
—0.0%——OPEN →
Middle98.8%5,80439.4%OPEN →
Middle91.6%1,58728.0%OPEN →
Upper183.5%3,77426.5%OPEN →
Upper155.1%2,78121.0%OPEN →
Upper164.7%3,68920.9%OPEN →
Upper147.4%3,50828.6%OPEN →
Upper169.7%2,55730.7%OPEN →
Middle100.9%3,80442.4%OPEN →
Upper164.4%5,18543.0%OPEN →
Moderate65.1%2,58782.9%OPEN →
Moderate75.5%7,00695.6%OPEN →
Moderate65.1%3,73295.0%OPEN →
Moderate66.1%6,06296.6%OPEN →
Moderate51.0%4,02294.8%OPEN →
Moderate72.7%5,46896.8%OPEN →
Low43.2%3,03695.9%OPEN →
Moderate78.7%2,99796.9%OPEN →
Low47.3%4,41398.3%OPEN →
Moderate77.3%4,35065.8%OPEN →
Moderate77.4%4,83174.7%OPEN →

Source: FFIEC census-tract file (income level, MSA, urban/rural) and HMDA tract attributes (population, minority share, housing units), latest loaded activity year. The whole county is listed — the table is filtered and paged in the browser over the complete set, never a server-side slice of it.

Housing & households

U.S. Census American Community Survey 2024 estimates — the demand side behind the lending figures above.

Population

915,075

Median household income

$70,210

Median home value

$338,300

Median gross rent

$1,300

per month

Owner-occupied

60.1%

of occupied units

Housing units

306,999

7.2% vacant

Poverty rate

19.1%

Unemployment

8.6%

Natural-hazard exposure

FEMA National Risk Index ratings for this county — expected annual loss, social vulnerability and community resilience, plus the individual perils rated Relatively High or above.

Overall risk

Relatively High

score 98.9

Social vulnerability

Relatively High

Community resilience

Very Low

ELEVATED PERILS

Inland flooding Relatively High · Wildfire Relatively High · Earthquake Relatively High · Heat wave Relatively High · Drought Relatively High · Landslide Relatively High

Federal disaster history

Months in which a FEMA disaster declaration was active in this county, from the declarations series.

Months with an active declaration

97

Declarations recorded

40

Incident types on record: Biological, Coastal Storm, Drought, Earthquake, Fire, Flood, Freezing, Hurricane, Severe Storm.

Everything we hold on Kern County

12 data areas have rows for this county. Each one is one click away below; the 18 we checked and did not find at county grain are named at the end with the reason.

LOAN-LEVEL

The individual HMDA application and origination records behind every figure on this page, pre-filtered to Kern County.

HMDA loan-level (hmda_loan_wide, county_code)

Open the loan explorer for Kern County →Every reported application and origination in FIPS 06029, filterable on rate, amount, income, purpose and action taken. Loan-level tier.

VA

VA-guaranteed lending in Kern County by fiscal year — the veteran channel, which HMDA counts but does not separate from the rest of the government book at this grain.

VA Loan Guaranty geographic loan volume (va_geo_loan_volume, county_fips), folded to fiscal year

VA loans · FY2026

1,126

—

Purchase share

48.0%

540 loans

IRRRL refinances

422

Cash-out refinances

164

20261,126—540422164
20251,251—725313213
2024919—601145173
2023888—67911198
2022——1,017344745
20214,170—1,1562,449565
20203,524—1,0392,024461
20191,707—922332453
20181,753—969233551
20172,362—1,086657619
20162,154—945733476
20152,043—964645434

The most recent fiscal year is partial until VA closes it. This file carries no lender key, so VA volume cannot be attributed to a company.

BUILDING PERMITS

New residential units authorised in Kern County — the supply-side leading indicator that runs ahead of purchase originations.

Census Building Permits Survey county series (census_building_permits, geo_id at geo_level 'county')

HOUSING SUPPLY · CENSUS BUILDING PERMITS

Kern County building permits

New privately-owned housing units authorized by building permits — the supply-side leading indicator that runs ahead of housing starts and the purchase-origination pipeline. Single-family (SF, 1-unit) vs. multifamily (MF, 2+ units), by year.

Single-family · 2025

2,793

−0.7% vs 2024

Multifamily · 2025

366

−15.3% vs 2024

Total authorized · 2025

3,159

−2.6% vs 2024

Permit valuation · 2025

$699.4M

authorized construction value

Units authorized by year

Kern County · total permitted units · hover for the single-family split

UNITS · SF IN TOOLTIP
02.5K5K7.5K10K19901992199419961998200020022004200620082010201220142016201820202022202420253,159 units

Source: U.S. Census Bureau Building Permits Survey (BPS), imputed totals (the published “units authorized” headline). SF = 1-unit; MF = 2+ units. Public no-login Census data. Attribution.

MIGRATION & WEALTH

IRS county-to-county migration flows for Kern County, showing population movement and wealth transfer.

IRS county-to-county migration flows (irs_county_migration, self_geoid)

inflow2223Los Angeles County, CA3,7977,772$205.0M
outflow2223Los Angeles County, CA2,0343,684$105.8M
outflow2223Other flows - South, DS1,8753,808$133.9M
inflow2223Other flows - South, DS1,1702,178$70.5M
outflow2223Other flows - West, DS8441,593$58.3M
outflow2223Other flows - Midwest, DS8281,647$51.7M
inflow2223Other flows - West, DS7661,318$34.5M
inflow2223Tulare County, CA5331,072$24.2M
outflow2223Tulare County, CA5121,088$24.3M
inflow2223Other flows - Midwest, DS507921$25.9M
inflow2223Ventura County, CA4891,043$30.1M
inflow2223San Bernardino County, CA475986$23.0M
inflow2223Orange County, CA452835$27.7M
outflow2223San Diego County, CA441705$25.2M
outflow2223San Bernardino County, CA382707$15.6M
outflow2223Orange County, CA380638$25.9M
outflow2223Clark County, NV379729$19.1M
inflow2223Fresno County, CA352663$19.4M
inflow2223San Diego County, CA346646$21.8M
outflow2223Fresno County, CA338564$16.1M
outflow2223Riverside County, CA331596$19.4M
inflow2223Riverside County, CA320607$14.5M
outflow2223Ventura County, CA290508$19.5M
outflow2223Other flows - Northeast, DS286471$16.6M
outflow2223San Luis Obispo County, CA267434$25.6M
inflow2223Clark County, NV263544$16.4M
outflow2223Maricopa County, AZ260465$15.7M
inflow2223Other flows - Northeast, DS237385$15.0M
outflow2223Sacramento County, CA184311$9.2M
inflow2223Santa Barbara County, CA180357$9.4M
inflow2223San Luis Obispo County, CA169296$10.6M
inflow2223Sacramento County, CA162270$8.1M
outflow2223Santa Barbara County, CA161246$14.0M
inflow2223Maricopa County, AZ143276$7.1M
inflow2223Santa Clara County, CA141246$9.9M
outflow2223Harris County, TX135272$12.3M
outflow2223Santa Clara County, CA131203$8.7M
outflow2223Alameda County, CA118184$6.4M
inflow2223Monterey County, CA106224$5.6M
inflow2223Alameda County, CA101178$6.0M
inflow2223San Joaquin County, CA94150$5.3M
outflow2223Kings County, CA92187$4.4M
inflow2223Contra Costa County, CA91175$9.3M
inflow2223Kings County, CA90165$4.1M
inflow2223Foreign - APO/FPO ZIPs, FR88183$4.7M
outflow2223San Joaquin County, CA87156$4.9M
outflow2223Tarrant County, TX86197$4.1M
outflow2223Contra Costa County, CA84148$11.2M
outflow2223Bexar County, TX83177$4.7M
outflow2223King County, WA80117$4.0M
outflow2223Foreign - APO/FPO ZIPs, FR75139$4.0M
outflow2223Monterey County, CA74130$3.1M
outflow2223El Paso County, CO70130$5.8M
outflow2223Stanislaus County, CA66122$3.7M
outflow2223Mohave County, AZ66131$3.6M
inflow2223Harris County, TX66137$4.9M
outflow2223San Francisco County, CA6479$4.6M
inflow2223Merced County, CA63120$3.3M
outflow2223Washoe County, NV63121$3.3M
outflow2223Ada County, ID60102$3.8M
inflow2223Stanislaus County, CA6097$3.5M
outflow2223Merced County, CA60102$2.5M
outflow2223Foreign - Other flows, FR5692$4.3M
inflow2223San Mateo County, CA56103$4.8M
outflow2223Pima County, AZ5599$3.3M
outflow2223Dallas County, TX55106$3.0M
outflow2223Utah County, UT53106$5.0M
outflow2223El Paso County, TX53100$2.3M
outflow2223Pierce County, WA5085$3.0M
outflow2223Salt Lake County, UT4974$2.3M
outflow2223Solano County, CA49109$2.4M
outflow2223Montgomery County, TX4798$6.9M
outflow2223Honolulu County, HI4680$2.4M
inflow2223Solano County, CA4687$3.6M
outflow2223Washington County, OR4371$2.3M
outflow2223Oklahoma County, OK4393$2.1M
inflow2223King County, WA4364$2.4M
inflow2223Imperial County, CA4296$1.4M
inflow2223Queens County, NY4262$1.6M
outflow2223Multnomah County, OR4261$2.0M
outflow2223Yavapai County, AZ4281$3.8M
outflow2223Travis County, TX4163$2.8M
inflow2223Bexar County, TX4179$2.0M
outflow2223Midland County, TX4188$6.0M
inflow2223Honolulu County, HI4091$1.8M
inflow2223Pierce County, WA4084$1.9M
outflow2223Imperial County, CA4085$1.2M
outflow2223Pinal County, AZ3982$2.6M
outflow2223Madera County, CA3948$1.9M
outflow2223Placer County, CA3780$3.0M
outflow2223Snohomish County, WA3769$2.9M
outflow2223Cook County, IL3758$2.5M
outflow2223Tulsa County, OK3677$1.7M
outflow2223San Mateo County, CA3650$2.1M
outflow2223Lane County, OR3657$2.2M
inflow2223Foreign - Other flows, FR3562$2.6M
outflow2223Canyon County, ID3577$3.5M
outflow2223Denton County, TX3564$2.8M
outflow2223Spokane County, WA3556$2.5M
outflow2223Williams County, ND3480$1.7M
outflow2223El Dorado County, CA3463$3.6M
outflow2223Butte County, CA3456$1.1M
outflow2223Sonoma County, CA3453$3.2M
inflow2223Washoe County, NV3367$2.7M
outflow2223Yolo County, CA3352$1.8M
outflow2223Marion County, OR3257$1.5M
outflow2223Inyo County, CA3260$1.7M
inflow2223Placer County, CA3250$3.7M
outflow2223Collin County, TX3166$2.2M
inflow2223Tarrant County, TX3166$1.3M
inflow2223El Paso County, CO3158$1.6M
outflow2223Clackamas County, OR3050$1.7M
inflow2223Santa Cruz County, CA3049$1.4M
inflow2223San Francisco County, CA3038$2.8M
outflow2223Weber County, UT3051$2.4M
outflow2223Bell County, TX2957$1.5M
outflow2223Yuma County, AZ2857$942K
inflow2223Dallas County, TX2856$1.3M
outflow2223Davis County, UT2883$2.4M
inflow2223Salt Lake County, UT2753$1.1M
outflow2223Okaloosa County, FL2773$2.7M
outflow2223Anchorage Municipality, AK2733$1.8M
inflow2223Mohave County, AZ2748$861K
inflow2223Madera County, CA2760$1.6M
inflow2223Yolo County, CA2744$1.2M
inflow2223Cook County, IL2748$875K
inflow2223Bernalillo County, NM2651$1.8M
outflow2223Humboldt County, CA2641$704K
outflow2223Parker County, TX2652$2.8M
outflow2223Williamson County, TX2538$2.0M
inflow2223Sonoma County, CA2542$1.4M
inflow2223Oklahoma County, OK2535$870K
outflow2223Santa Cruz County, CA2536$2.0M
outflow2223Shasta County, CA2547$1.3M
outflow2223Kitsap County, WA2442$1.3M
outflow2223Davidson County, TN2442$864K
inflow2223Inyo County, CA2430$1.2M
outflow2223New York County, NY2429$1.8M
outflow2223Queens County, NY2345$638K
inflow2223Pima County, AZ2349$1.5M
inflow2223Island County, WA2349$1.5M
outflow2223Arapahoe County, CO2343$1.4M
outflow2223Denver County, CO2326$1.4M
outflow2223Bernalillo County, NM2339$1.1M
outflow2223Clark County, WA2342$1.8M
outflow2223Island County, WA2240$1.1M
outflow2223Kootenai County, ID2257$2.6M
inflow2223Humboldt County, CA2230$748K
outflow2223Washington County, UT2253$1.7M
outflow2223Duval County, FL2137$949K
outflow2223Do�a Ana County, NM2139$1.7M
outflow2223Onslow County, NC2136$1.7M
outflow2223Deschutes County, OR2134$1.2M
outflow2223Virginia Beach city, VA2152$1.2M
inflow2223Butte County, CA2128$682K
outflow2223Bonneville County, ID2138$2.4M
inflow2223El Paso County, TX2033$959K
outflow2223Fort Bend County, TX2045$2.0M
outflow2223Brevard County, FL2041$2.2M
outflow2122Foreign - Other flows, FR———
inflow2122Foreign - Other flows, FR———
inflow2122Los Angeles County, CA4,2348,858$231.3M
outflow2122Other flows - South, DS2,0814,590$171.6M
outflow2122Los Angeles County, CA2,0683,668$113.6M
inflow2122Other flows - South, DS1,0301,941$60.3M
outflow2122Other flows - West, DS9842,031$80.6M
outflow2122Other flows - Midwest, DS9151,846$55.3M
inflow2122Other flows - West, DS7341,434$47.3M
inflow2122Tulare County, CA5491,025$24.2M
inflow2122Ventura County, CA5491,156$31.9M
inflow2122Other flows - Midwest, DS516981$28.9M
inflow2122Orange County, CA502986$30.5M
inflow2122San Bernardino County, CA500990$22.7M
outflow2122San Diego County, CA474743$27.1M
inflow2122Riverside County, CA445866$21.0M
outflow2122Tulare County, CA435888$17.8M
outflow2122San Bernardino County, CA389729$19.9M
outflow2122Clark County, NV383762$23.6M
outflow2122Fresno County, CA379672$24.4M
outflow2122Riverside County, CA360618$17.0M
outflow2122Ventura County, CA344600$25.7M
inflow2122San Diego County, CA339611$17.1M
outflow2122Orange County, CA337506$24.8M
outflow2122San Luis Obispo County, CA335521$25.0M
outflow2122Other flows - Northeast, DS317556$22.4M
inflow2122Fresno County, CA305530$15.4M
outflow2122Maricopa County, AZ280538$19.1M
inflow2122Other flows - Northeast, DS253417$14.8M
inflow2122Clark County, NV240484$8.7M
outflow2122Sacramento County, CA207310$10.1M
inflow2122Santa Barbara County, CA198384$11.4M
inflow2122San Luis Obispo County, CA187303$11.2M
outflow2122Santa Barbara County, CA167325$22.0M
inflow2122Santa Clara County, CA162286$11.7M
inflow2122Maricopa County, AZ157277$7.9M
inflow2122Monterey County, CA156317$6.3M
inflow2122Sacramento County, CA151241$7.1M
outflow2122Harris County, TX146336$12.4M
outflow2122Alameda County, CA135211$9.2M
outflow2122Santa Clara County, CA132201$10.4M

UAD APPRAISALS

FHFA Uniform Appraisal Dataset aggregates for Kern County.

FHFA UAD aggregate statistics (uad_aggregate_county, geoid) and appraisal-level public use file (uad_puf, county_fips)

2023PurchaseNo CharacteristicAll Appraisals5,412.0
2023PurchaseNo CharacteristicAll Appraisals0.4
2023RefinanceNo CharacteristicAll Appraisals1,810.0
2023PurchaseNo CharacteristicAll Appraisals1.0
2023BothNo CharacteristicAll Appraisals7,222.0
2023PurchaseNo CharacteristicAll Appraisals0.5
2023PurchaseNo CharacteristicAll Appraisals1.0
2023RefinanceNo CharacteristicAll Appraisals352,000.0
2023BothNo CharacteristicAll Appraisals375,000.0
2023PurchaseNo CharacteristicAll Appraisals384,000.0
2023PurchaseNo CharacteristicAll Appraisals0.1
2022PurchaseNo CharacteristicAll Appraisals1.0
2022BothNo CharacteristicAll Appraisals365,000.0
2022PurchaseNo CharacteristicAll Appraisals0.3
2022PurchaseNo CharacteristicAll Appraisals379,000.0
2022PurchaseNo CharacteristicAll Appraisals1.0
2022RefinanceNo CharacteristicAll Appraisals4,538.0
2022PurchaseNo CharacteristicAll Appraisals0.2
2022PurchaseNo CharacteristicAll Appraisals0.5
2022RefinanceNo CharacteristicAll Appraisals345,000.0
2022BothNo CharacteristicAll Appraisals12,246.0
2022PurchaseNo CharacteristicAll Appraisals7,708.0
2021PurchaseNo CharacteristicAll Appraisals1.0
2021RefinanceNo CharacteristicAll Appraisals320,000.0
2021BothNo CharacteristicAll Appraisals19,893.0
2021PurchaseNo CharacteristicAll Appraisals1.0
2021PurchaseNo CharacteristicAll Appraisals9,021.0
2021PurchaseNo CharacteristicAll Appraisals0.3
2021RefinanceNo CharacteristicAll Appraisals10,872.0
2021PurchaseNo CharacteristicAll Appraisals0.2
2021BothNo CharacteristicAll Appraisals328,000.0
2021PurchaseNo CharacteristicAll Appraisals0.4
2021PurchaseNo CharacteristicAll Appraisals336,000.0
2020PurchaseNo CharacteristicAll Appraisals0.2
2020PurchaseNo CharacteristicAll Appraisals1.0
2020BothNo CharacteristicAll Appraisals17,864.0
2020PurchaseNo CharacteristicAll Appraisals7,919.0
2020PurchaseNo CharacteristicAll Appraisals0.5
2020BothNo CharacteristicAll Appraisals292,000.0
2020RefinanceNo CharacteristicAll Appraisals292,000.0
2020RefinanceNo CharacteristicAll Appraisals9,945.0
2020PurchaseNo CharacteristicAll Appraisals293,000.0
2020PurchaseNo CharacteristicAll Appraisals1.0
2020PurchaseNo CharacteristicAll Appraisals0.3
2019PurchaseNo CharacteristicAll Appraisals0.1
2019PurchaseNo CharacteristicAll Appraisals1.0
2019BothNo CharacteristicAll Appraisals266,000.0
2019PurchaseNo CharacteristicAll Appraisals7,147.0
2019PurchaseNo CharacteristicAll Appraisals0.4
2019PurchaseNo CharacteristicAll Appraisals1.0
2019RefinanceNo CharacteristicAll Appraisals268,000.0
2019BothNo CharacteristicAll Appraisals13,189.0
2019RefinanceNo CharacteristicAll Appraisals6,042.0
2019PurchaseNo CharacteristicAll Appraisals265,000.0
2019PurchaseNo CharacteristicAll Appraisals0.5
2018RefinanceNo CharacteristicAll Appraisals235,000.0
2018BothNo CharacteristicAll Appraisals11,112.0
2018PurchaseNo CharacteristicAll Appraisals7,036.0
2018RefinanceNo CharacteristicAll Appraisals4,076.0
2018BothNo CharacteristicAll Appraisals250,000.0
2018PurchaseNo CharacteristicAll Appraisals257,000.0
2018PurchaseNo CharacteristicAll Appraisals0.5
2018PurchaseNo CharacteristicAll Appraisals0.1
2018PurchaseNo CharacteristicAll Appraisals0.4
2018PurchaseNo CharacteristicAll Appraisals1.0
2018PurchaseNo CharacteristicAll Appraisals1.0
2017RefinanceNo CharacteristicAll Appraisals231,000.0
2017PurchaseNo CharacteristicAll Appraisals1.0
2017PurchaseNo CharacteristicAll Appraisals1.0
2017PurchaseNo CharacteristicAll Appraisals0.3
2017PurchaseNo CharacteristicAll Appraisals0.1
2017BothNo CharacteristicAll Appraisals11,856.0
2017PurchaseNo CharacteristicAll Appraisals6,528.0
2017PurchaseNo CharacteristicAll Appraisals256,000.0
2017RefinanceNo CharacteristicAll Appraisals5,328.0
2017PurchaseNo CharacteristicAll Appraisals0.5
2017BothNo CharacteristicAll Appraisals245,000.0
2016PurchaseNo CharacteristicAll Appraisals5,743.0
2016RefinanceNo CharacteristicAll Appraisals240,000.0
2016PurchaseNo CharacteristicAll Appraisals1.0
2016PurchaseNo CharacteristicAll Appraisals249,000.0
2016PurchaseNo CharacteristicAll Appraisals0.5
2016PurchaseNo CharacteristicAll Appraisals0.1
2016BothNo CharacteristicAll Appraisals244,500.0
2016PurchaseNo CharacteristicAll Appraisals1.0
2016PurchaseNo CharacteristicAll Appraisals0.3
2016BothNo CharacteristicAll Appraisals13,233.0
2016RefinanceNo CharacteristicAll Appraisals7,490.0
2015PurchaseNo CharacteristicAll Appraisals1.0
2015PurchaseNo CharacteristicAll Appraisals242,000.0
2015PurchaseNo CharacteristicAll Appraisals0.3
2015RefinanceNo CharacteristicAll Appraisals235,000.0
2015BothNo CharacteristicAll Appraisals11,972.0
2015RefinanceNo CharacteristicAll Appraisals6,609.0
2015PurchaseNo CharacteristicAll Appraisals0.1
2015PurchaseNo CharacteristicAll Appraisals0.5
2015PurchaseNo CharacteristicAll Appraisals5,363.0
2015BothNo CharacteristicAll Appraisals238,000.0
2015PurchaseNo CharacteristicAll Appraisals1.0
2014BothNo CharacteristicAll Appraisals229,000.0

ECONOMY & INCOME

Local economy indicators — BLS unemployment rates and BEA personal income for Kern County.

BLS Local Area Unemployment Statistics (bls_laus_county_month, geoid) and BEA personal income (bea_county_income, geo_fips)

BLS Local Area Unemployment

2026-05409,435375,61833,8178.3%
2026-04410,817375,19635,6218.7%
2026-03408,887370,33338,5549.4%
2026-02411,029372,03738,9929.5%
2026-01408,889371,38637,5039.2%
2025-12410,092375,42734,6658.5%
2025-11418,425384,35034,0758.1%
2025-09419,664385,33434,3308.2%
2025-08417,782381,47136,3118.7%
2025-07411,633373,41938,2149.3%
2025-06409,159370,53538,6249.4%
2025-05411,940375,10636,8348.9%
2025-04408,873370,91837,9559.3%
2025-03410,689369,94140,7489.9%
2025-02411,950372,10239,8489.7%
2025-01410,668373,17037,4989.1%
2024-12405,109371,31033,7998.3%
2024-11411,015377,97933,0368.0%
2024-10416,332384,62831,7047.6%
2024-09415,433384,32431,1097.5%
2024-08414,553379,06135,4928.6%
2024-07410,670372,06838,6029.4%
2024-06404,900367,59737,3039.2%
2024-05403,462369,38934,0738.4%
2024-04401,947366,26335,6848.9%
2024-03403,704364,65339,0519.7%
2024-02407,150367,55439,5969.7%
2024-01405,368368,93636,4329.0%
2023-12402,388368,85933,5298.3%
2023-11409,990378,96731,0237.6%
2023-10413,830382,77731,0537.5%
2023-09411,443382,08129,3627.1%
2023-08409,795376,93732,8588.0%
2023-07400,336367,20533,1318.3%
2023-06403,057368,62634,4318.5%
2023-05402,109369,84532,2648.0%
2023-04395,042363,23931,8038.1%
2023-03398,109361,62636,4839.2%
2023-02400,534364,63835,8969.0%
2023-01397,125364,80932,3168.1%
2022-12392,981365,43827,5437.0%
2022-11397,616371,50826,1086.6%
2022-10400,337375,02525,3126.3%
2022-09399,798375,76224,0366.0%
2022-08399,280372,77226,5086.6%
2022-07392,502365,44527,0576.9%
2022-06391,279363,13228,1477.2%
2022-05388,904363,72425,1806.5%
2022-04389,626362,13527,4917.1%
2022-03386,068355,43030,6387.9%
2022-02394,466362,15532,3118.2%
2022-01393,971360,88833,0838.4%
2021-12387,315358,72328,5927.4%
2021-11393,479365,04628,4337.2%
2021-10395,052363,92831,1247.9%
2021-09392,890360,04032,8508.4%
2021-08393,438355,28238,1569.7%
2021-07392,077350,81941,25810.5%
2021-06390,622345,96544,65711.4%
2021-05389,863349,59340,27010.3%
2021-04385,235341,27143,96411.4%
2021-03377,425332,39145,03411.9%
2021-02385,077339,93245,14511.7%
2021-01386,564342,63343,93111.4%
2020-12382,391340,64241,74910.9%
2020-11387,188347,26239,92610.3%
2020-10389,587349,29840,28910.3%
2020-09390,319344,82245,49711.7%
2020-08391,216343,18448,03212.3%
2020-07385,227326,95658,27115.1%
2020-06387,261327,43459,82715.4%
2020-05383,000317,41065,59017.1%
2020-04379,572308,51371,05918.7%
2020-03396,044342,74253,30213.5%
2020-02394,565358,76635,7999.1%
2020-01396,475361,74134,7348.8%
2019-12389,585360,48329,1027.5%
2019-11391,195364,95426,2416.7%
2019-10396,904371,39325,5116.4%
2019-09397,119371,94625,1736.3%
2019-08397,076368,00929,0677.3%
2019-07384,735352,40732,3288.4%
2019-06391,165360,04731,1188.0%
2019-05387,177359,15828,0197.2%
2019-04385,679354,07231,6078.2%
2019-03384,951348,16536,7869.6%
2019-02392,561356,54236,0199.2%
2019-01393,328357,09736,2319.2%
2018-12387,052356,98830,0647.8%
2018-11391,013364,86426,1496.7%
2018-10393,871367,94925,9226.6%
2018-09391,751365,55326,1986.7%
2018-08391,551362,69328,8587.4%
2018-07389,024357,40831,6168.1%
2018-06388,307355,54632,7618.4%
2018-05387,044357,69629,3487.6%
2018-04383,128350,12033,0088.6%
2018-03378,667340,94937,71810.0%
2018-02386,980349,43237,5489.7%
2018-01383,788347,65336,1359.4%

BEA Personal Income

2024$46.72B922,529$51K
2023$43.50B916,646$47K
2022$41.54B917,293$45K
2021$42.88B912,782$47K
2020$40.42B906,124$45K
2019$35.61B906,160$39K
2018$33.81B900,095$38K
2017$32.67B893,009$37K
2016$32.05B886,002$36K
2015$32.17B880,669$37K
2014$31.58B873,174$36K
2013$29.68B865,279$34K
2012$28.88B856,159$34K
2011$27.31B849,631$32K
2010$25.81B841,561$31K
2009$23.73B830,137$29K
2008$23.89B818,327$29K
2007$23.18B803,281$29K
2006$21.41B784,511$27K
2005$19.80B760,726$26K
2004$18.40B736,296$25K
2003$17.12B714,272$24K
2002$16.04B694,059$23K
2001$15.11B676,574$22K
2000$14.25B663,803$21K
1999$13.44B655,428$21K
1998$13.02B643,016$20K
1997$12.28B634,695$19K
1996$11.92B626,719$19K
1995$11.31B620,201$18K
1994$10.92B614,707$18K
1993$10.67B599,843$18K
1992$10.19B589,897$17K
1991——$17K

NFIP FLOOD CLAIMS

FEMA National Flood Insurance Program (NFIP) realised flood loss claims in Kern County.

FEMA NFIP redacted claims (nfip_claim, county_code)

2025-12-29$0——Yes
2025-11-15$0$0$0Yes
2025-09-18$23K$23K$0Yes
2024-12-17$0——Yes
2024-02-06$10K$10K$0Yes
2024-02-04$0$0$0No
2024-02-03$0——Yes
2024-01-23$0——Yes
2023-08-20$4K$4K$0Yes
2023-08-20$52K$52K$0Yes
2023-08-19$0$0$0Yes
2023-08-19$27K$21K$6KYes
2023-08-17$0$0$0Yes
2023-05-30$0——Yes
2023-05-01$0$0$0Yes
2023-03-16$0——No
2023-03-16$0$0$0No
2023-03-10$0$0$0No
2023-03-10$70K$70K$0No
2023-03-10$0——Yes
2023-03-10$0——Yes
2023-03-03$0——No
2023-03-03$0——Yes
2023-02-28$0$0$0No
2023-02-28$0——No
2023-02-24$0$0$0Yes
2023-01-27$0$0$0No
2023-01-15$0$0$0Yes
2023-01-10$0$0$0Yes
2023-01-10$0$0$0No
2022-09-11$49K$42K$7KYes
2021-05-12$0——Yes
2021-01-17$0——Yes
2020-09-21$0——No
2020-09-01$0——Yes
2020-04-19$1K$1K$0Yes
2020-04-15$0——Yes
2020-04-07$44K$44K$0Yes
2020-03-23$0——Yes
2019-12-26$0——Yes
2019-12-14$0$0$0Yes
2019-11-12$0$0$0No
2019-05-10$21K$21K$0Yes
2019-05-07$0——Yes
2019-03-05$22K$20K$2KYes
2019-02-26$12K$12K$0Yes
2019-02-04$10K$10K$0Yes
2018-12-02$0——Yes
2018-03-20$0——Yes
2017-05-08$0——No
2017-02-21$0——Yes
2017-02-18$0——Yes
2017-02-17$0——Yes
2017-02-17$79K$49K$31KYes
2017-02-17$0——No
2017-01-26$0——Yes
2017-01-24$13K$13K$0Yes
2017-01-22$0——Yes
2017-01-20$0——No
2017-01-07$0——Yes
2017-01-05$9K$9K$0Yes
2017-01-05$32K$32K$405.25Yes
2017-01-05$3K$3K$0Yes
2016-12-20$0——Yes
2016-11-01$0——Yes
2016-09-16$0——Yes
2016-05-13$0——Yes
2016-05-01$0——Yes
2016-01-30$0——Yes
2015-10-15$83K$71K$12KYes
2015-07-19$0——Yes
2014-12-15$0——Yes
2014-12-05$1K$1K$0No
2013-12-11$0——Yes
2012-09-04$0——Yes
2011-09-16$0——Yes
2011-08-20$0——Yes
2010-12-23$0——No
2010-12-21$0——Yes
2010-12-20$0——No
2010-12-19$0——No
2010-12-19$0——No
2010-12-19$0——Yes
2010-12-19$19K$17K$2KNo
2010-12-19$0——Yes
2010-12-17$0——Yes
2010-12-05$0——Yes
2009-12-05$0——Yes
2009-03-18$0——No
2008-01-04$0——Yes
2007-01-22$0——Yes
2006-10-23$5K$5K$0Yes
2006-02-01$0——Yes
2005-03-04$7K$0$7KNo
2005-03-04$3K$3K$0No
2005-02-20$0——Yes
2005-01-18$9K$9K$0Yes
2005-01-11$8K$8K$0Yes
2005-01-10$30K$20K$10KYes
2005-01-10$32K$32K$0Yes

ALSO CHECKED

18 more data areas were checked for Kern County and did not earn a tab. A missing tab and an unasked question look the same on screen, so each one is named with the reason it is missing.

  • WRONG GRAIN
    FHA

    FHA Neighborhood Watch DOES publish county rows, but keys them on a free-text county NAME (“CHITTENDEN|VT”), not a FIPS code, and the single-family endorsement snapshot's property_county is likewise free text. Joining either to a county FIPS by name would attribute one county's delinquency to another wherever a name repeats, so FHA is a state-grain tab only until a curated name→FIPS crosswalk exists

  • WRONG GRAIN
    Fannie / Freddie

    the FHFA public-use database publishes single-family acquisitions at STATE and CENSUS-TRACT grain; no county rollup is published or loaded, and rolling tracts up to counties would double-count the tracts that straddle a county line

  • WRONG GRAIN
    GSE credit-risk transfer

    CAS and STACR loan-level disclosures publish PROPERTY STATE and a 3-digit zip; neither carries a county code, so credit-risk-transfer collateral cannot be attributed to a county

  • WRONG GRAIN
    Ginnie Mae

    Ginnie Mae's loan-level disclosure publishes PROPERTY STATE and nothing finer — there is no county, ZIP or tract field in the file, so agency-pool collateral has no county grain at all. The same is true of the UMBS pool file (fhfa_mbs_pool), which carries only CA/NY/FL/TX/PR concentration percentages

  • WRONG GRAIN
    Housing finance agency

    a housing finance agency is a STATE-chartered body — county is not a grain it has. Its programmes reach counties, but the agency itself is one row per state: hfa_agency is keyed on state_code and carries no county column, and there is no county-level agency underneath it to aggregate from

  • WRONG GRAIN
    CUSO network

    the NCUA CUSO Registry publishes a CUSO's city and STATE and no county at all (cuso_registry, migration 0195). A county FIPS does exist on the member-credit-union side (cuso_credit_union_link.cu_county_fips), but it is the CREDIT UNION'S CHARTER ADDRESS — where the institution is registered, not where the mortgage service it buys is delivered — so a county tab built on it would pin a statewide, often multi-state, service relationship onto the one county a charter document happens to name

  • WRONG GRAIN
    Subservicing map

    the same absence, one grain finer: subservicing_relationships holds no property or collateral column at all, so there is nothing to aggregate to a county. Where a client is a state HFA, the state housing finance agency area on this hub carries that agency and its named master servicer at its own state grain

  • WRONG GRAIN
    Co-issue MSR

    the same absence, and worse at county grain: Ginnie's loan-level disclosure publishes property STATE and nothing finer — no county, ZIP or tract field exists in the file — so even the collateral split that is rejected above at state grain is not available here at all

  • WRONG GRAIN
    MSR transfer graph

    the same absence at a finer grain, with no additional route to one: ginnie_servicing_transfers has no county column and the Ginnie loan-level disclosure it would have to be joined to publishes property state and nothing finer — no county, ZIP or tract field exists in either file

  • WRONG GRAIN
    Builder & realtor JV

    the same absence, one grain finer: the affiliation corpus has no geographic column at all, so nothing can be aggregated to a county. The affiliate lender's actual county-level originations are on the HMDA area of the county hub, keyed on the lender rather than on its parent

  • WRONG GRAIN
    Non-QM deal calendar

    the same structural gap, one grain finer: a 144A non-QM deal publishes no asset-level file at all, so there is no loan, no property and therefore no county to attribute anything to. This is the one absence on this hub that no future load can close

  • WRONG GRAIN
    Agency-MBS demand

    the same absence, and Ginnie's disclosure has no county field at any grain, so even the collateral allocation that is rejected above at state grain cannot be computed here

  • WRONG GRAIN
    Complaints-rate stack

    the same broken denominator, plus a numerator that does not reach county either: the CFPB publishes a complaint's state and a partially redacted ZIP and no county, so neither half of this ratio exists at county grain

  • WRONG GRAIN
    NMLS licensing

    NMLS licences are issued by a STATE regulator and the industry report is published by state agency and quarter; there is no county in the licensing system to aggregate to

  • WRONG GRAIN
    CFPB complaints

    the CFPB publishes a complaint's STATE and a partially redacted ZIP; it publishes no county, and deriving one from a redacted ZIP would put complaints in the wrong county wherever a ZIP straddles a county line

  • WRONG GRAIN
    State enforcement

    enforcement orders are issued by a STATE regulator against a licensee; they carry no property or county

  • WRONG GRAIN
    WARN notices

    a WARN notice names an employer, a CITY and a region — no county code — and matching city to county by name is ambiguous in most states

  • WRONG GRAIN
    Mortgage employment

    the QCEW extract loaded here holds STATE and METRO area types only — the county-level QCEW file is a separate, far larger download that is not loaded, so county mortgage employment cannot be shown honestly

Several of the areas above are published only at state grain. They are all on the CA state hub, which carries the same registry at the grain those sources actually have.

Go deeper

EVERY HMDA RECORD IN KERN COUNTY →Opens the loan explorer already filtered to county FIPS 06029.

See the California state market profile for the statewide picture, the California state hub for every dataset we hold on the state in one place, or the national lender leaderboard for who is largest across every market.

Sources: HMDA public loan-level disclosure (CFPB/FFIEC) aggregated to county-year; U.S. Census Bureau American Community Survey; FEMA National Risk Index and disaster declarations. Figures are as loaded — see data attribution.

Fair-lending context: denial rates and demographic figures shown here are descriptive statistics derived from public HMDA and U.S. Census data. HMDA does not contain the credit, income, or underwriting variables that explain most lending outcomes, so a difference between lenders or areas is a statistical observation about published data — not evidence of, and not a determination of, discrimination or redlining by any institution.