Homebuyers in Kern County County who chose Bank of America, National Association paid $7,916 less in closing costs than the county median.
County Median Costs
$10,724
+15.2% vs California ($9,309)
Median Rate
6.250%
−3.7% vs national (6.490%)
Median Origination
$3,551
Purchase Originations
6,608
Denial Rate
7.5%
vs California avg (7.1%)
vs California Median
15.2% above
$1,415
vs National Median
60.5% above
$4,044
66 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,808 | 6.375% | $1,140 | 16 | −$4,552 | |
| 2 | $2,944 | 6.125% | $0 | 11 | −$4,416 | |
| 3 | $3,465 | 5.750% | $695 | 12 | −$3,895 | |
| 4 | $3,666 | 5.812% | $0 | 86 | −$3,694 | |
| 5 | $4,241 | 6.750% | $0 | 54 | −$3,119 | |
| 6 | $4,813 | 6.000% | $872 | 114 | −$2,547 | |
| 7 | $5,057 | 6.625% | $1,995 | 13 | −$2,303 | |
| 8 | $5,140 | 6.812% | $3,616 | 12 | −$2,220 | |
| 9 | $5,263 | 5.500% | $1,800 | 33 | −$2,097 | |
| 10 | $5,435 | 5.812% | $1,556 | 156 | −$1,925 | |
| 11 | $5,522 | 6.688% | $1,615 | 42 | −$1,838 | |
| 12 | $5,833 | 6.375% | $3,722 | 20 | −$1,527 | |
| 13 | $6,010 | 6.990% | $2,701 | 45 | −$1,350 | |
| 14 | $6,032 | 6.500% | $2,761 | 64 | −$1,328 | |
| 15 | $6,050 | 6.499% | $2,093 | 25 | −$1,310 | |
| 16 | $6,189 | 6.625% | $2,885 | 20 | −$1,171 | |
| 17 | $6,208 | 6.875% | $2,982 | 41 | −$1,152 | |
| 18 | $6,287 | 6.500% | $3,664 | 13 | −$1,073 | |
| 19 | $6,301 | 6.375% | $3,299 | 31 | −$1,059 | |
| 20 | $6,315 | 6.812% | $1,979 | 26 | −$1,045 | |
| 21 | $6,343 | 6.625% | $3,077 | 38 | −$1,017 | |
| 22 | $6,347 | 6.375% | $2,225 | 27 | −$1,013 | |
| 23 | $6,498 | 6.750% | $2,982 | 228 | −$862 | |
| 24 | $6,728 | 6.812% | $1,899 | 16 | −$632 | |
| 25 | $6,893 | 6.875% | $3,420 | 17 | −$467 |
Includes lenders with 10+ purchase originations in Kern County County. Source: HMDA 2025. 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 2025, 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.