Lowest closing cost mortgage lenders in Kern County County, California
In Kern County, California, homebuyers paid a median of $10,871 in closing costs in 2024 — above the California median of $9,450. The county saw 6,534 purchase mortgages at a median rate of 6.49%. Among lenders with 10+ originations, Bank of America, National Association offered the lowest median costs at $1,368, which is $6,516 less than the county median.
Homebuyers in Kern County County who chose Bank of America, National Association paid $9,503 less in closing costs than the county median.
County Median Costs
$10,871
+15.0% vs California ($9,450)
Median Rate
6.490%
−2.0% vs national (6.620%)
Median Origination
$4,282
Purchase Originations
6,534
vs California Median
15.0% above
$1,421
vs National Median
61.3% above
$4,130
Lender rankings in Kern County County
63 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $1,368 | 6.438% | $482 | 12 | −$6,516 | |
| 2 | $2,929 | 6.750% | $0 | 28 | −$4,955 | |
| 3 | $3,619 | 6.625% | $0 | 14 | −$4,265 | |
| 4 | $3,767 | 5.750% | $0 | 97 | −$4,117 | |
| 5 | $4,549 | 6.375% | $1,775 | 18 | −$3,335 | |
| 6 | $5,133 | 6.625% | $2,285 | 15 | −$2,751 | |
| 7 | $5,173 | 6.500% | $1,658 | 46 | −$2,711 | |
| 8 | $5,222 | 6.990% | $2,904 | 41 | −$2,662 | |
| 9 | $5,335 | 6.688% | $2,518 | 10 | −$2,549 | |
| 10 | $5,424 | 6.875% | $1,999 | 25 | −$2,460 | |
| 11 | $5,650 | 6.625% | $2,599 | 30 | −$2,234 | |
| 12 | $5,814 | 6.875% | $3,197 | 40 | −$2,070 | |
| 13 | $6,229 | 6.990% | $3,305 | 13 | −$1,655 | |
| 14 | $6,363 | 5.875% | $2,735 | 104 | −$1,521 | |
| 15 | $6,420 | 6.875% | $2,808 | 21 | −$1,464 | |
| 16 | $6,520 | 7.058% | $3,537 | 18 | −$1,364 | |
| 17 | $6,535 | 6.000% | $2,960 | 99 | −$1,349 | |
| 18 | $6,558 | 5.990% | $3,350 | 33 | −$1,326 | |
| 19 | $6,586 | 6.375% | $2,982 | 46 | −$1,298 | |
| 20 | $6,662 | 6.625% | $3,977 | 266 | −$1,222 | |
| 21 | $6,902 | 7.125% | $3,650 | 11 | −$982 | |
| 22 | $7,100 | 6.625% | $3,980 | 101 | −$784 | |
| 23 | $7,132 | 6.990% | $3,316 | 11 | −$752 | |
| 24 | $7,258 | 6.750% | $3,708 | 27 | −$626 | |
| 25 | $7,381 | 6.625% | $4,308 | 42 | −$503 | |
| 26 | $7,572 | 7.375% | $4,169 | 46 | −$312 | |
| 27 | $7,743 | 6.990% | $5,619 | 23 | −$141 | |
| 28 | $7,991 | 6.625% | $5,178 | 36 | +$107 | |
| 29 | $8,129 | 6.875% | $5,290 | 79 | +$245 | |
| 30 | $8,239 | 6.625% | $5,866 | 20 | +$355 | |
| 31 | $8,287 | 6.990% | $5,479 | 10 | +$403 | |
| 32 | $8,413 | 7.058% | $4,831 | 10 | +$529 | |
| 33 | $8,696 | 6.688% | $5,957 | 12 | +$812 | |
| 34 | $8,768 | 6.375% | $5,910 | 22 | +$884 | |
| 35 | $8,786 | 6.875% | $5,866 | 123 | +$902 | |
| 36 | $9,097 | 6.750% | $4,992 | 16 | +$1,213 | |
| 37 | $9,434 | 6.625% | $5,735 | 582 | +$1,550 | |
| 38 | $9,593 | 6.875% | $6,244 | 14 | +$1,709 | |
| 39 | $9,642 | 6.625% | $6,584 | 34 | +$1,758 | |
| 40 | $9,969 | 7.188% | $6,090 | 14 | +$2,085 | |
| 41 | $9,970 | 6.875% | $5,905 | 90 | +$2,086 | |
| 42 | $10,275 | 6.625% | $6,222 | 11 | +$2,391 | |
| 43 | $10,279 | 6.750% | $6,886 | 66 | +$2,395 | |
| 44 | $10,405 | 6.625% | $7,713 | 124 | +$2,521 | |
| 45 | $10,600 | 6.625% | $6,429 | 30 | +$2,716 | |
| 46 | $10,663 | 6.500% | $8,158 | 51 | +$2,779 | |
| 47 | $10,977 | 7.750% | $6,864 | 98 | +$3,093 | |
| 48 | $12,048 | 7.188% | $8,970 | 12 | +$4,164 | |
| 49 | $12,400 | 6.875% | $8,784 | 17 | +$4,516 | |
| 50 | $13,858 | 6.990% | $10,834 | 11 | +$5,974 |
Includes lenders with 10+ purchase originations in Kern County County. Source: HMDA 2024. Sorted by median total loan costs.
View detailed closing cost breakdowns and user reviews for lenders in California → Lender Directory
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Data source: HMDA Modified Loan Application Register 2024, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.