Real estate · County · California
Mortgage brokers and lenders in Kern County, CA
Competitor counts, household spending and official business counts for mortgage brokers and lenders in Kern County, CA, set against other counties and the U.S.
Groundwork market score · out of 100
Score 53 out of 100: Upper middle
Ranked #384 of 887 scored counties
#15 of 42 scored counties in California
- Listings
- 108
- 20 chain locations (19%)
- Official establishments
- 55
- −5.2% since 2019
- Household spending a year
- $4.9B
- On rent and homeowner costs · $17,084 a household
- Housing spending per listing (U.S. = 100)
- 116
- 16% above the U.S.
- Listings per 10k households
- 3.8
- 12% below the U.S.
- Population, 2025
- 927,068
- +2.3% since 2020
See the mortgage brokers and lenders around any address in Kern County
The site report maps the mortgage brokers and lenders on map listings near the address, by name and distance, and sizes the households and spending around it. Or open the report at the center of Kern County. Signed out, you see a blurred preview; on an account, each report is one action.
Free10 actions over 3 days, no cardSurvey estimates 2020–2024 · population estimates 2025 · official business counts 2023 · map listings September 2026 · Data credits · How we measure
What this means
As of September 2026, map listings count 108 mortgage brokers and lenders in Kern County. 20 of them (19%) are chain locations, against 21% across the U.S. That is 3.8 per 10,000 households, 12% below the U.S. rate of 4.3.
Households in Kern County spend about $4.9B a year on rent and homeowner costs, or $17,084 per household, 3% above the U.S. average. Housing spending per office is 16% above the U.S. figure. That figure is all rent and homeowner costs, used as a measure of housing demand; it is not money mortgage brokers and lenders take in.
In 2023, official counts showed 55 businesses with payroll in Kern County classed as mortgage brokers and real estate lenders, down 5.2% from 2019. That is one for every 5,181 households, against one for every 4,897 across the U.S. Since fiscal 2022, 1 SBA-backed loan worth $150K has gone to businesses classed as mortgage brokers and real estate lenders in Kern County.
Population estimates put the population change in Kern County from 2020 to 2025 at +2.3%, slower than the U.S. (+3.1%). For mortgage brokers and lenders, Kern County has a Groundwork market score of 53 (upper middle): #384 of 887 scored counties and #15 of 42 scored counties in California.
How Kern County compares
The same measures for California and the whole U.S. Housing spending per listing divides all rent and homeowner costs by the listings counted: a measure of housing demand for each business, not money any of them take in, so it is shown against the U.S. (100) only. Households per establishment divides households by the official count.
| Measure | Kern County | California | U.S. |
|---|---|---|---|
| Listings per 10k households | 3.8 | 6.4 | 4.3 |
| Housing spending per listing (U.S. = 100) | 116 | 80 | 100 |
| Households per official establishment | 5,181 | 2,973 | 4,897 |
| Official establishment growth, 2019–2023 | −5.2% | −0.8% | +9.5% |
| Population growth, 2020–2025 | +2.3% | −0.4% | +3.1% |
| Spending per household on rent and homeowner costs | $17,084 | $19,977 | $16,661 |
| Median household income | $70,210 | $99,122 | $80,734 |
| Groundwork market score | 53 | 28 |
Official counts and lending
Businesses
- Official establishments, 2019 to 2023
- 58 → 55−5.2% over the period
- Employees, 2023
- 327
- Annual payroll, 2023
- $21.4M
- One-person businesses, 2023
- Not publishedNot published for this business type
- Map listings, September 2026
- 10820 chain locations
- Listings at the U.S. rate for this spending
- 125The U.S. ratio of listings to household spending, applied here
SBA-backed loans since fiscal 2022
- Loans
- 1
- Amount
- $150K
SBA-backed loans to businesses classed as mortgage brokers and real estate lenders in Kern County, through June 2026, placed by the borrower’s ZIP code. Official establishments are businesses with payroll; the official counts leave out places with fewer than 3.
Population and households in Kern County
- Population, 2025 estimate
- 927,068+2.3% since 2020
- Households
- 284,931
- Median age
- 33.6
- Homes lived in by their owners
- 60%
- Vehicles per household
- 1.9
- Land area
- 8,135 sq. mi.
- People per square mile
- 112
- Median household income
- $70,210+31.6% vs. 2015–2019, before inflation
- Average household income
- $93,147
- Median home value
- $338,300
- Jobs located here
- 302,967
- Daytime population
- 882,683Residents who don’t work, plus everyone whose job is here
Looking at a specific site in Kern County?
These figures cover the whole county. A site report draws rings around one address and counts what’s inside them: households, spending, jobs, and the mortgage brokers and lenders on map listings by name and distance.
Or open the report at the center of Kern County. Signed out, you see a blurred preview; on an account, each report is one action.
Free10 actions over 3 days, no cardMortgage brokers and lenders across California
Every California market ranked →The highest-scoring counties in California for mortgage brokers and lenders, numbered among those based in California, with Kern County marked.
Top counties in California
| Market | Score | Listings | Per 10k households | Housing spending per listing (U.S. = 100) | Population growth | U.S. rank |
|---|---|---|---|---|---|---|
| 1Kings County, CA | 71 | 8 | 1.8 | 240 | +1.0% | #102 of 887 |
| 2Merced County, CA | 71 | 26 | 3.0 | 141 | +5.1% | #111 of 887 |
| 3Tuolumne County, CA | 64 | 5 | 2.2 | 208 | −4.0% | #181 of 887 |
| 4San Francisco County, CA | 64 | 116 | 3.2 | 183 | −5.6% | #184 of 887 |
| 5Madera County, CA | 64 | 14 | 3.1 | 146 | +7.4% | #188 of 887 |
| 6Calaveras County, CA | 62 | 7 | 3.8 | 123 | +2.8% | #222 of 887 |
| 7Alameda County, CA | 59 | 231 | 3.9 | 148 | −2.6% | #262 of 887 |
| 8Tulare County, CA | 59 | 43 | 3.0 | 146 | +2.4% | #263 of 887 |
| 9San Benito County, CA | 59 | 11 | 5.3 | 101 | +8.6% | #271 of 887 |
| 10San Mateo County, CA | 58 | 98 | 3.7 | 166 | −2.5% | #273 of 887 |
| 15Kern County, CA | 53 | 108 | 3.8 | 116 | +2.3% | #384 of 887 |
Other business types in Kern County
Each with its Groundwork market score here, out of 100, where it has one.
Food and drink
Groceries and convenience
Auto
Beauty and personal care
Fitness and classes
Health care
Child care
Clothing and laundry
Home services
Real estate
- Real estate53
- Real estate agents and brokers60
- Property management51
- Mortgage brokers and lenders53
- Home inspectors65
Funeral services
Questions
How many mortgage brokers and lenders are in Kern County, CA?
Kern County has 108 mortgage brokers and lenders on map listings as of September 2026. 20 of them (19%) are chain locations. The listings count mortgage brokers and mortgage lenders. Official counts show 55 businesses with payroll classed as mortgage brokers and real estate lenders in 2023, down 5.2% from 2019.
How much do households in Kern County, CA spend on rent and homeowner costs?
About $4.9B a year, or $17,084 per household. That is 3% above the U.S. average (an index of 103, where 100 is the U.S. average). For the 108 mortgage brokers and lenders on map listings, housing spending per office is 16% above the U.S. figure. The spending figure is all rent and homeowner costs, a measure of housing demand, not money mortgage brokers and lenders take in. It is estimated from the incomes of the 284,931 households in Kern County and national spending patterns by income.
How does Kern County, CA compare with the U.S. for mortgage brokers and lenders?
Kern County has 3.8 mortgage brokers and lenders per 10,000 households, 12% below the U.S. rate of 4.3. The index of housing spending per office is 116, where 100 is the U.S. At the national ratio of mortgage brokers and lenders to household spending, Kern County would have about 125, against 108 on map listings. There is one business with payroll in the industry for every 5,181 households, against one for every 4,897 across the U.S. The official count fell 5.2% from 2019 to 2023, against +9.5% for the U.S.
How fast is Kern County, CA growing?
Population estimates put Kern County at 927,068 people in 2025, up 2.3% since 2020, slower than the U.S. (+3.1%). It has 284,931 households. The median household income in Kern County is $70,210 a year, 13% below the U.S. median of $80,734. That rose 31.6% from the 2015–2019 survey, before inflation.
What is the Groundwork market score?
The Groundwork market score runs from 0 to 100 and compares a market with others of its kind for one business type: states with states, metro areas with metro areas, small-town markets and counties with their own. It weighs household spending per competitor (35%), households per business with payroll (25%), population growth (20%) and spending power (20%), each ranked against those peers. A higher score means that, taken together, the market has more household spending and more households for each business already there, faster population growth and more spending per household than similar markets. It describes a market, not any one site or deal. Kern County scores 53 for mortgage brokers and lenders (upper middle), #384 of 887 scored counties.
How can I see the market around a specific site?
Run a Groundwork site report on an address in Kern County. It maps the mortgage brokers and lenders on map listings near the site and sizes the households and spending within the distance you choose. New accounts get 10 actions over 3 days, no card.
How the score works · Top markets for mortgage brokers and lenders · All 56 business types in Kern County
Screening a site or an acquisition in Kern County?
A site report maps the competitors on map listings near an address and sizes the households and spending around it.
The button opens the report at the center of Kern County. Signed out, you see a blurred preview; on an account, each report is one action.
This product uses the Census Bureau Data API but is not endorsed or certified by the Census Bureau.
Figures are estimates for research only. Not investment or real estate advice.