Safe Rate Rankings

Best All Lender Mortgage Lenders in Bakersfield

Updated May 22, 2026

⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

🛡️ No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

📊 HMDA 2024Built using publicly available originated loan data from the federal government.

🎯 Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.

Market

Total Lenders96

Total Loans7,868

Median Rate Spread0.38%

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Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	VALLEY STRONG CREDIT UNIONCredit Union	Exceptional	Exceptional	Sound	Exceptional	$2,232Fees	0.768%Below	115
2	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Sound	Strong	$141Credit	0.420%Below	57
3	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Exceptional	$3,687Fees	0.209%Above	1,383
4	AltaOne Federal Credit UnionCredit Union	Strong	Exceptional	Acceptable	Strong	$1,784Fees	0.028%Above	36
5	MLD MORTGAGE INC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	$4,213Fees	0.477%Above	78
6	U.S. Bank National AssociationBank	Strong	Strong	Strong	Sound	$2,478Fees	0.059%Above	56
7	SCHOOLSFIRSTCredit Union	Strong	Strong	Strong	Sound	$398Fees	0.184%Above	21
8	Bank of America, National AssociationBank	Strong	Strong	Strong	Sound	$2,026Fees	0.263%Above	21
9	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$4,270Fees	0.320%Above	841
10	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	$1,174Fees	0.052%Below	180
11	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Strong	Strong	$3,620Fees	0.217%Above	151
12	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	$2,709Fees	0.190%Above	99
13	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Strong	$3,133Fees	0.232%Above	97
14	POINT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Strong	$3,811Fees	0.183%Above	70
15	Wells Fargo Bank, National AssociationBank	Strong	Strong	Sound	Sound	$1,727Fees	0.061%Above	45
16	ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company	Strong	Sound	Exceptional	Sound	$3,428Fees	0.331%Above	30
17	Sierra Pacific Mortgage Company, Inc.Independent Mortgage Company	Strong	Acceptable	Strong	Exceptional	$5,558Fees	0.386%Above	285
18	KIND LENDING, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Exceptional	$3,414Fees	0.407%Above	242
19	OCMBC, INC.Independent Mortgage Company	Strong	Acceptable	Strong	Exceptional	$3,259Fees	0.675%Above	216
20	DIGNIFIED HOME LOANS, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Exceptional	$4,806Fees	0.518%Above	173
21	DAS Acquisition Company, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$3,328Fees	0.620%Above	79
22	Nations Lending CorporationIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$4,477Fees	0.345%Above	74
23	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$3,894Fees	0.582%Above	66
24	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$3,980Fees	0.196%Above	58
25	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Sound	Strong	Sound	$3,480Fees	0.544%Above	32
26	GOLDEN EMPIRE MORTGAGE, INC.Independent Mortgage Company	Strong	Mediocre	Exceptional	Exceptional	$6,122Fees	0.480%Above	305
27	Mortgage Research Center, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$5,342Fees	1.018%Above	111
28	MICHIGAN MUTUAL, INC.Independent Mortgage Company	Strong	Acceptable	Strong	Strong	$4,789Fees	0.188%Above	106
29	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$4,513Fees	0.778%Above	104
30	THE LOAN STORE, INC.Independent Mortgage Company	Strong	Acceptable	Strong	Strong	$4,699Fees	0.352%Above	69
31	PEAK RESIDENTIAL LENDING INCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$4,274Fees	0.373%Above	60
32	Paramount Residential Mortgage Group, Inc.Independent Mortgage Company	Strong	Acceptable	Strong	Strong	$4,128Fees	0.471%Above	58
33	Flagstar Bank, N.A.Bank	Strong	Acceptable	Strong	Strong	$3,268Fees	0.349%Above	57
34	Equity Prime Mortgage LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$3,928Fees	0.505%Above	57
35	GoodLeap, LLCIndependent Mortgage Company	Strong	Sound	Sound	Sound	$4,069Fees	0.259%Above	43
36	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$3,197Fees	0.403%Above	31
37	CAMPOS FINANCIAL CORP.Independent Mortgage Company	Strong	Acceptable	Strong	Strong	$3,839Fees	0.422%Above	30
38	PLANET HOME LENDING, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$4,955Fees	0.455%Above	28
39	USAA Federal Savings BankBank	Strong	Sound	Sound	Sound	$2,616Fees	0.142%Below	23
40	MORIA DEVELOPMENT, INC.Independent Mortgage Company	Sound	Mediocre	Strong	Exceptional	$5,608Fees	0.566%Above	330
41	AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company	Sound	Mediocre	Exceptional	Strong	$5,166Fees	0.360%Above	90
42	NEWREZ LLCIndependent Mortgage Company	Sound	Acceptable	Sound	Strong	$2,982Fees	0.399%Above	75
43	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Sound	Acceptable	Sound	Strong	$3,358Fees	0.687%Above	63
44	JMAC LENDING, INC.Independent Mortgage Company	Sound	Acceptable	Sound	Strong	$5,124Fees	0.149%Above	59
45	AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company	Sound	Acceptable	Strong	Sound	$435Fees	0.309%Above	52
46	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$4,128Fees	0.411%Above	46
47	PLAZA HOME MORTGAGE, INC.Independent Mortgage Company	Sound	Acceptable	Strong	Sound	$3,126Fees	0.757%Above	27
48	SUN WEST MORTGAGE COMPANY, INC.Independent Mortgage Company	Sound	Acceptable	Strong	Sound	$3,154Fees	0.166%Above	24
49	AUGUSTA FINANCIAL, INC.Independent Mortgage Company	Sound	Acceptable	Strong	Sound	$4,346Fees	0.056%Above	23
50	Hometown Equity Mortgage, LLCIndependent Mortgage Company	Sound	Acceptable	Sound	Sound	$2,886Fees	0.346%Above	34

How We Rank Lenders

Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.

Our Point System (Max 30 Points)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

Place

Local market expertise (33%)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.