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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 Conventional Mortgage Lenders in Bakersfield
Updated February 5, 2026
Market Overview
96
Total Lenders
7,868
Total Loans
0.38%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | -$141 | -0.420% | 57 | |
2 | VALLEY STRONG CREDIT UNION | Exceptional | Exceptional | Sound | Sound | Exceptional | $2,232 | -0.768% | 115 | |
3 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Sound | $2,478 | +0.059% | 56 | |
4 | Bank of America, National Association | Exceptional | Strong | Exceptional | Strong | Sound | $2,026 | +0.263% | 21 | |
5 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,687 | +0.209% | 1,383 | |
6 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,270 | +0.320% | 841 | |
7 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $1,174 | -0.052% | 180 | |
8 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $3,620 | +0.217% | 151 | |
9 | Wells Fargo Bank, National Association | Strong | Strong | Exceptional | Sound | Sound | $1,727 | +0.061% | 45 | |
10 | AltaOne Federal Credit Union | Strong | Exceptional | Acceptable | Sound | Strong | $1,784 | +0.028% | 36 | |
11 | SCHOOLSFIRST | Strong | Strong | Strong | Strong | Sound | $398 | +0.184% | 21 | |
12 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Exceptional | Strong | Exceptional | $5,558 | +0.386% | 285 | |
13 | KIND LENDING, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,414 | +0.407% | 242 | |
14 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Strong | $2,709 | +0.190% | 99 | |
15 | MLD MORTGAGE INC. | Strong | Sound | Strong | Strong | Strong | $4,213 | +0.477% | 78 | |
16 | Nations Lending Corporation | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,477 | +0.345% | 74 | |
17 | POINT MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | Strong | $3,811 | +0.183% | 70 | |
18 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | Sound | $3,428 | +0.331% | 30 | |
19 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Sound | $3,126 | +0.757% | 27 | |
20 | DIGNIFIED HOME LOANS, LLC | Strong | Acceptable | Strong | Strong | Exceptional | $4,806 | +0.518% | 173 | |
21 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,513 | +0.778% | 104 | |
22 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Strong | $3,133 | +0.232% | 97 | |
23 | DAS Acquisition Company, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,328 | +0.620% | 79 | |
24 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $4,699 | +0.352% | 69 | |
25 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $3,894 | +0.582% | 66 | |
26 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $4,128 | +0.471% | 58 | |
27 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,980 | +0.196% | 58 | |
28 | Flagstar Bank, N.A. | Strong | Acceptable | Exceptional | Strong | Strong | $3,268 | +0.349% | 57 | |
29 | GOLDEN EMPIRE MORTGAGE, INC. | Strong | Mediocre | Exceptional | Strong | Exceptional | $6,122 | +0.480% | 305 | |
30 | MICHIGAN MUTUAL, INC. | Strong | Acceptable | Strong | Strong | Strong | $4,789 | +0.188% | 106 | |
31 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,982 | +0.399% | 75 | |
32 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $3,358 | +0.687% | 63 | |
33 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $435 | +0.309% | 52 | |
34 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Sound | $4,128 | +0.411% | 46 | |
35 | GoodLeap, LLC | Strong | Sound | Strong | Sound | Sound | $4,069 | +0.259% | 43 | |
36 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $3,480 | +0.544% | 32 | |
37 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $3,197 | +0.403% | 31 | |
38 | NMSI, INC. | Strong | Acceptable | Strong | Exceptional | Sound | $4,089 | +0.809% | 19 | |
39 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | Sound | $3,939 | +0.120% | 17 | |
40 | MORIA DEVELOPMENT, INC. | Strong | Mediocre | Strong | Strong | Exceptional | $5,608 | +0.566% | 330 | |
41 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Strong | Strong | $5,166 | +0.360% | 90 | |
42 | PLANET HOME LENDING, LLC | Strong | Acceptable | Strong | Strong | Sound | $4,955 | +0.455% | 28 | |
43 | USAA Federal Savings Bank | Strong | Sound | Strong | Acceptable | Sound | $2,616 | -0.142% | 23 | |
44 | NATIONS DIRECT MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | Sound | $1,501 | +0.553% | 18 | |
45 | OCMBC, INC. | Sound | Mediocre | Strong | Sound | Exceptional | $3,259 | +0.675% | 216 | |
46 | PEAK RESIDENTIAL LENDING INC | Sound | Mediocre | Strong | Strong | Strong | $4,274 | +0.373% | 60 | |
47 | JMAC LENDING, INC. | Sound | Acceptable | Strong | Acceptable | Strong | $5,124 | +0.149% | 59 | |
48 | ALAMEDA MORTGAGE CORPORATION | Sound | Mediocre | Exceptional | Strong | Sound | $5,046 | +0.519% | 32 | |
49 | Luminate Home Loans, Inc. | Sound | Mediocre | Exceptional | Strong | Sound | $3,689 | +0.744% | 27 | |
50 | SUMMIT FUNDING, INC. | Sound | Mediocre | Exceptional | Strong | Sound | $4,782 | +0.427% | 26 |
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 40 Points)
10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
Place
Local market expertise (25%)
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.
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