--- title: Multifamily Lenders in Kern County, CA: 33 Made Loans in 2024-25 url: https://lender.report/lenders-in/california/kern-county/ license: https://lender.report/license/ --- County ยท CA # Multifamily lenders in Kern County, CA 33 lenders made 92 multifamily loans in Kern County, CA in 2024 and 2025, $329.2M in all. Tri Counties Bank made the most, with 17. The typical loan was about $1M. The county is part of the Bakersfield, CA metro area. **Evidence** Multifamily loans placed in the county, HMDA **Data as of** HMDA 2025 **Page last changed** November 11, 2026 **Lenders on record** 33 HMDA, 2025 **Multifamily loans, 2024-25** 92 HMDA, 2025 Manufactured-home parks excluded **Dollars** $329M HMDA, 2025 **Typical loan** $1M HMDA, 2025 Cite this Source: The Lender Report, Multifamily lenders in Kern County, CA, https://lender.report/lenders-in/california/kern-county/, data as of December 31, 2025. ## Describe a deal in Kern County, CA See which of these lenders made loans like yours, at your size and in your place. No account and no form. [Show multifamily loans in Kern County, CA](https://lender.report/comps/?lane=multifamily&state=CA&county=6029)[On this list? Find your page](https://lender.report/for-lenders/?from=market) | Lender | Kind | Based in | Loans | Dollars | 2025 loans | 2024 loans | Typical loan | | --- | --- | --- | --- | --- | --- | --- | --- | | [Tri Counties Bank](https://lender.report/lender/tri-counties-bank-ca/) [multifamily record](https://lender.report/lender/tri-counties-bank-ca/multifamily/) | Bank | Chico, CA | 17 | $41.1M | 5 | 12 | $920K | | [PNC Bank, National Association](https://lender.report/lender/pnc-bank-de/) [multifamily record](https://lender.report/lender/pnc-bank-de/multifamily/) | Bank | Wilmington, DE | 7 | $26.9M | 1 | 6 | $4M | | [Stancorp Mortgage Investors](https://lender.report/lender/stancorp-mortgage-investors-or/) [multifamily record](https://lender.report/lender/stancorp-mortgage-investors-or/multifamily/) | Non-bank | Hillsboro, OR | 6 | $15.3M | 0 | 6 | $760K | | [Provident Savings Bank, F.S.B.](https://lender.report/lender/provident-savings-bank-f-s-b-ca/) [multifamily record](https://lender.report/lender/provident-savings-bank-f-s-b-ca/multifamily/) | Savings | Riverside, CA | 5 | $3.52M | 4 | 1 | $700K | | [Citizens Business Bank, National Association](https://lender.report/lender/citizens-business-bank-ca/) [multifamily record](https://lender.report/lender/citizens-business-bank-ca/multifamily/) | Bank | Ontario, CA | 4 | $54.3M | 3 | 1 | $15M | | [FFB Bank](https://lender.report/lender/ffb-bank-ca/) [multifamily record](https://lender.report/lender/ffb-bank-ca/multifamily/) | Bank | Fresno, CA | 4 | $3.72M | 3 | 1 | $1.1M | | [Lendsure Mortgage Corp.](https://lender.report/lender/lendsure-mortgage-ca/) [multifamily record](https://lender.report/lender/lendsure-mortgage-ca/multifamily/) | Non-bank | San Diego, CA | 4 | $1.50M | 4 | 0 | $380K | | [Arbor Realty Trust, Inc.](https://lender.report/lender/arbor-realty-trust-ny/) [multifamily record](https://lender.report/lender/arbor-realty-trust-ny/multifamily/) | Non-bank | Uniondale, NY | 3 | $27.5M | 0 | 3 | $9.8M | | [East West Bank](https://lender.report/lender/east-west-bank-ca/) [multifamily record](https://lender.report/lender/east-west-bank-ca/multifamily/) | Bank | Pasadena, CA | 3 | $25.0M | 1 | 2 | $9.8M | | [JPMorgan Chase Bank, National Association](https://lender.report/lender/jpmorgan-chase-bank-oh/) [multifamily record](https://lender.report/lender/jpmorgan-chase-bank-oh/multifamily/) | Bank | Columbus, OH | 3 | $18.9M | 2 | 1 | $6.4M | | [Greenbox Loans](https://lender.report/lender/greenbox-loans-ca/) [multifamily record](https://lender.report/lender/greenbox-loans-ca/multifamily/) | Non-bank | Los Angeles, CA | 3 | $1.44M | 1 | 2 | $540K | | [Velocity Commercial Capital LLC](https://lender.report/lender/velocity-commercial-capital-ca/) [multifamily record](https://lender.report/lender/velocity-commercial-capital-ca/multifamily/) | Non-bank | Westlake Village, CA | 3 | $1.36M | 1 | 2 | $500K | | [Greystone Servicing Corporation, Inc.](https://lender.report/lender/greystone-servicing-tn-memphis-kqgfmz98/) [multifamily record](https://lender.report/lender/greystone-servicing-tn-memphis-kqgfmz98/multifamily/) | Non-bank | Memphis, TN | 2 | $15.7M | 0 | 2 | $8.2M | | [PGIM Real Estate Agency Financing, LLC](https://lender.report/lender/pgim-real-estate-agency-financing-tx/) [multifamily record](https://lender.report/lender/pgim-real-estate-agency-financing-tx/multifamily/) | Non-bank | Dallas, TX | 2 | $10.7M | 1 | 1 | $7.2M | | [Bellwether Enterprise Real Estate Capital, LLC](https://lender.report/lender/bellwether-enterprise-real-estate-capital-oh/) [multifamily record](https://lender.report/lender/bellwether-enterprise-real-estate-capital-oh/multifamily/) | Non-bank | Cleveland, OH | 2 | $8.51M | 1 | 1 | $8.5M | | [The Golden 1 Credit Union](https://lender.report/lender/golden-1-credit-union-ca/) [multifamily record](https://lender.report/lender/golden-1-credit-union-ca/multifamily/) | Credit union | Sacramento, CA | 2 | $2.40M | 2 | 0 | $1.4M | | [Logan Finance Corporation](https://lender.report/lender/logan-finance-ny/) [multifamily record](https://lender.report/lender/logan-finance-ny/multifamily/) | Non-bank | Haupaugge, NY | 2 | $1.08M | 1 | 1 | $660K | | [Lument Real Estate Capital](https://lender.report/lender/lument-real-estate-capital-oh/) [multifamily record](https://lender.report/lender/lument-real-estate-capital-oh/multifamily/) | Non-bank | Columbus, OH | 1 | $22.0M | 1 | 0 | $22M | | [Berkeley Point Capital LLC](https://lender.report/lender/berkeley-point-capital-ma/) [multifamily record](https://lender.report/lender/berkeley-point-capital-ma/multifamily/) | Non-bank | Boston, MA | 1 | $15.0M | 0 | 1 | $15M | | [Genesis Capital, LLC](https://lender.report/lender/genesis-capital-ca/) [multifamily record](https://lender.report/lender/genesis-capital-ca/multifamily/) | Non-bank | Sherman Oaks, CA | 1 | $10.0M | 0 | 1 | $10M | | [Valley Strong Credit Union](https://lender.report/lender/valley-strong-credit-union-ca/) [multifamily record](https://lender.report/lender/valley-strong-credit-union-ca/multifamily/) | Credit union | Bakersfield, CA | 1 | $1.80M | 0 | 1 | $1.8M | | [Firefighters First Credit Union](https://lender.report/lender/firefighters-first-credit-union-ca/) [multifamily record](https://lender.report/lender/firefighters-first-credit-union-ca/multifamily/) | Credit union | Los Angeles, CA | 1 | $1.50M | 0 | 1 | $1.5M | | [American Riviera Bank](https://lender.report/lender/american-riviera-bank-ca/) [multifamily record](https://lender.report/lender/american-riviera-bank-ca/multifamily/) | Bank | Santa Barbara, CA | 1 | $1.10M | 1 | 0 | $1.1M | | [Axos Bank](https://lender.report/lender/axos-bank-ca/) [multifamily record](https://lender.report/lender/axos-bank-ca/multifamily/) | Savings | San Diego, CA | 1 | $880K | 0 | 1 | $880K | | [RF Renovo Management Company, LLC](https://lender.report/lender/rf-renovo-management-il/) [multifamily record](https://lender.report/lender/rf-renovo-management-il/multifamily/) | Non-bank | Chicago, IL | 1 | $660K | 1 | 0 | $660K | | [American Heritage Lending, LLC](https://lender.report/lender/american-heritage-lending-ca/) [multifamily record](https://lender.report/lender/american-heritage-lending-ca/multifamily/) | Non-bank | Irvine, CA | 1 | $620K | 1 | 0 | $620K | | [Altura Credit Union](https://lender.report/lender/altura-credit-union-ca/) [multifamily record](https://lender.report/lender/altura-credit-union-ca/multifamily/) | Credit union | Riverside, CA | 1 | $460K | 0 | 1 | $460K | | [Ameritrust Mortgage Corporation](https://lender.report/lender/ameritrust-mortgage-tx/) [multifamily record](https://lender.report/lender/ameritrust-mortgage-tx/multifamily/) | Non-bank | Flower Mound, TX | 1 | $460K | 0 | 1 | $460K | | [United Mortgage Corp.](https://lender.report/lender/united-mortgage-ny/) | Non-bank | Melville, NY | 1 | $440K | 1 | 0 | $440K | | [Ice Lender Holdings LLC](https://lender.report/lender/ice-lender-holdings-ny/) [multifamily record](https://lender.report/lender/ice-lender-holdings-ny/multifamily/) | Non-bank | New York, NY | 1 | $420K | 0 | 1 | $420K | HMDA, 2025 [Check a deal in Kern County, CA in Loan Comps](https://lender.report/comps/?lane=multifamily&state=CA&county=6029) | Loan size | Loans | Lenders | | --- | --- | --- | | Under $1M | 46 | 20 | | $1M to $2.5M | 13 | 6 | | $2.5M to $5M | 10 | 4 | | $5M to $10M | 12 | 8 | | $10M or more | 11 | 9 | HMDA, 2025 - Lenders made 92 multifamily loans totaling $329.2M in Kern County, CA in 2024 and 2025. HMDA, 2025 - 4 of these loans were made by lenders that have since merged or closed. They are counted in the totals here and appear in no lender's row. HMDA, 2025 - 39 of the loans were made in 2025 and 53 in 2024. HMDA, 2025 - The typical loan in Kern County, CA was about $1M, with the middle half between $460K and $5.2M. HMDA, 2025 - 46 of the loans were under $1M, and 23 were $5M or more. HMDA, 2025 - Lenders reported a median rate of 6.86% on 81 loans in Kern County, CA, with the middle half between 6.19% and 7.88%. HMDA, 2025 - The median term was 10 years. HMDA, 2025 - The median loan to value was 60%. HMDA, 2025 - 45% of the loans were refinancings and 53% were purchases. HMDA, 2025 - Banks and savings institutions made 47 of the loans, credit unions 5, and non-banks 36. HMDA, 2025 - The five most active lenders made 42.4% of the loans. HMDA, 2025 - The three most active lenders were Tri Counties Bank with 17, PNC Bank, National Association with 7, and Stancorp Mortgage Investors with 6. HMDA, 2025 - 17 of the 33 lenders are based in California. The rest are based elsewhere, most often in New York, Ohio and Texas. HMDA, 2025 - The most common property size was 5 to 24 units, with 56 loans. HMDA, 2025 - Kern County, CA is part of the Bakersfield-Delano, CA metro area, which has its own page. OMB metro list, 2025 ## How this list is defined **Measure** Multifamily loans made in Kern County, CA **Period** 2024 and 2025 **Formula** Count, by lender, of HMDA records for multifamily dwellings of 5 or more units placed in the county, manufactured-home parks excluded, for each year in which the public file holds 5 or more such loans in the county. **Order** Largest first by loans recorded in the place, then dollars, then name. Payment is not part of the order. **As of** 2025 **Source** [HMDA](https://ffiec.cfpb.gov/data-browser/) **Changelog** November 12, 2026: First published, with the data built on this date. ## What we don't know - Whether any of these lenders is taking new loans today. - What they charge or require beyond the rate and term that HMDA reports. - Loans on office, retail, industrial or hotel property. HMDA covers dwelling-secured loans only. A metro area or county is named for a year only when the public file holds 5 or more multifamily loans there that year, so a small place is never exposed by a count. SBA loans are on record by state only, so this page has no SBA figures for the county. The state pages carry them. HMDA covers dwelling-secured loans. Amounts are the midpoints of $10,000 bands, and each loan has a year, never a date. Lenders that merged or stopped filing are left out. Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. [Report a problem](https://lender.report/report/) Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.