🛡️

Safe Rate's TrueRank Guarantee

Our rankings are earned, not bought. We analyze 2,347 lenders using federal HMDA data—no pay-to-play, no cherry-picking. You see the best options based on performance metrics, not advertising dollars.

Best Mortgage Lenders in Bakersfield

Updated February 5, 2026

Market Overview

Total Lenders

7,868

Total Loans

0.38%

Median Rate Spread

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

Ready to find your perfect lender?

Get personalized recommendations based on your specific needs

Bakersfield

No credit impact

3-minute process

100% free