# Best FHA Mortgage Lenders in Bakersfield

**As of:** 2026-05-23

Compare the top FHA mortgage lenders in Bakersfield. Data-driven rankings based on rates, fees, and approval rates.

> **Canonical URL:** https://saferate.com/bakersfield/best-mortgage-lenders/fha-loans


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


## Market Statistics

- **Total Lenders:** 96
- **Total Loans:** 7,868
- **Median Rate Spread:** 0.38002173913043474%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | UNITED WHOLESALE MORTGAGE, LLC | 88 | 52 | 81 | 1,383 | Independent Mortgage Company |
| 2 | FREEDOM MORTGAGE CORPORATION | 85 | 65 | 62 | 97 | Independent Mortgage Company |
| 3 | KIND LENDING, LLC | 83 | 55 | 71 | 242 | Independent Mortgage Company |
| 4 | ROCKET MORTGAGE, LLC | 80 | 36 | 81 | 841 | Independent Mortgage Company |
| 5 | MORIA DEVELOPMENT, INC. | 80 | 21 | 82 | 330 | Independent Mortgage Company |
| 6 | LOANDEPOT.COM, LLC | 79 | 59 | 68 | 180 | Independent Mortgage Company |
| 7 | MICHIGAN MUTUAL, INC. | 79 | 43 | 69 | 106 | Independent Mortgage Company |
| 8 | PENNYMAC LOAN SERVICES, LLC | 79 | 78 | 59 | 99 | Independent Mortgage Company |
| 9 | MLD MORTGAGE INC. | 79 | 47 | 75 | 78 | Independent Mortgage Company |
| 10 | THE LOAN STORE, INC. | 79 | 49 | 72 | 69 | Independent Mortgage Company |
| 11 | Flagstar Bank, N.A. | 79 | 58 | 71 | 57 | Bank |
| 12 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 79 | 61 | 79 | 30 | Independent Mortgage Company |
| 13 | Sierra Pacific Mortgage Company, Inc. | 75 | 33 | 75 | 285 | Independent Mortgage Company |
| 14 | OCMBC, INC. | 75 | 39 | 72 | 216 | Independent Mortgage Company |
| 15 | Nations Lending Corporation | 75 | 27 | 83 | 74 | Independent Mortgage Company |
| 16 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 75 | 20 | 82 | 66 | Independent Mortgage Company |
| 17 | AUGUSTA FINANCIAL, INC. | 74 | 63 | 72 | 23 | Independent Mortgage Company |
| 18 | NEWREZ LLC | 73 | 52 | 56 | 75 | Independent Mortgage Company |
| 19 | GoodLeap, LLC | 73 | 62 | 58 | 43 | Independent Mortgage Company |
| 20 | PLANET HOME LENDING, LLC | 73 | 51 | 76 | 28 | Independent Mortgage Company |
| 21 | NATIONS DIRECT MORTGAGE, LLC | 73 | 46 | 68 | 18 | Independent Mortgage Company |
| 22 | DIGNIFIED HOME LOANS, LLC | 71 | 26 | 68 | 173 | Independent Mortgage Company |
| 23 | Paramount Residential Mortgage Group, Inc. | 71 | 33 | 72 | 58 | Independent Mortgage Company |
| 24 | GUILD MORTGAGE COMPANY LLC | 71 | 29 | 80 | 58 | Independent Mortgage Company |
| 25 | Equity Prime Mortgage LLC | 71 | 22 | 63 | 57 | Independent Mortgage Company |
| 26 | CAMPOS FINANCIAL CORP. | 71 | 36 | 90 | 30 | Independent Mortgage Company |
| 27 | JMAC LENDING, INC. | 69 | 57 | 58 | 59 | Independent Mortgage Company |
| 28 | HOMEBRIDGE FINANCIAL SERVICES, INC. | 69 | 60 | 61 | 21 | Independent Mortgage Company |
| 29 | FlexPoint, Inc. | 67 | 33 | 63 | 107 | Independent Mortgage Company |
| 30 | POINT MORTGAGE CORPORATION | 67 | 32 | 72 | 70 | Independent Mortgage Company |
| 31 | PEAK RESIDENTIAL LENDING INC | 67 | 39 | 70 | 60 | Independent Mortgage Company |
| 32 | GOLDEN EMPIRE MORTGAGE, INC. | 67 | 19 | 86 | 305 | Independent Mortgage Company |
| 33 | AMERICAN FINANCIAL NETWORK, INC. | 66 | 25 | 69 | 52 | Independent Mortgage Company |
| 34 | GUARANTEED RATE, INC. | 66 | 38 | 68 | 32 | Independent Mortgage Company |
| 35 | CMG MORTGAGE, INC. | 66 | 32 | 79 | 31 | Independent Mortgage Company |
| 36 | PLAZA HOME MORTGAGE, INC. | 66 | 30 | 65 | 27 | Independent Mortgage Company |
| 37 | SUN WEST MORTGAGE COMPANY, INC. | 66 | 36 | 64 | 24 | Independent Mortgage Company |
| 38 | MORTGAGE SOLUTIONS OF COLORADO, LLC | 66 | 30 | 75 | 18 | Independent Mortgage Company |
| 39 | Hometown Equity Mortgage, LLC | 64 | 54 | 58 | 34 | Independent Mortgage Company |
| 40 | AMERICAN PACIFIC MORTGAGE CORPORATION | 63 | 10 | 81 | 90 | Independent Mortgage Company |
| 41 | DAS Acquisition Company, LLC | 63 | 18 | 82 | 79 | Independent Mortgage Company |
| 42 | ROYAL PACIFIC FUNDING CORP. | 63 | 30 | 60 | 52 | Independent Mortgage Company |
| 43 | CARRINGTON MORTGAGE SERVICES, LLC | 62 | 29 | 56 | 20 | Independent Mortgage Company |
| 44 | CROSSCOUNTRY MORTGAGE, LLC | 60 | 19 | 69 | 104 | Independent Mortgage Company |
| 45 | ALAMEDA MORTGAGE CORPORATION | 59 | 18 | 81 | 32 | Independent Mortgage Company |
| 46 | SUMMIT FUNDING, INC. | 59 | 12 | 81 | 26 | Independent Mortgage Company |
| 47 | EVERETT FINANCIAL, INC. | 59 | 9 | 80 | 20 | Independent Mortgage Company |
| 48 | NEW AMERICAN FUNDING, LLC | 56 | 19 | 57 | 63 | Independent Mortgage Company |
| 49 | NATIONSTAR MORTGAGE LLC | 56 | 13 | 63 | 46 | Independent Mortgage Company |
| 50 | Luminate Home Loans, Inc. | 56 | 11 | 63 | 27 | Independent Mortgage Company |

## Methodology

Safe Rate calculates these rankings using a risk-adjusted, data-driven scoring system based on Home Mortgage Disclosure Act (HMDA) filings. Rather than relying on simple averages, our statistical models control for loan-level risk factors (such as LTV, loan amount, and property value) to evaluate a lender's true competitiveness within Bakersfield.

Our composite SafeRate Score is derived using an equal, geometric weighting of the following factors:
1. **Pricing:** Evaluates the lender's interest rates and net fees relative to the market.
2. **Pull-Through:** Measures the percentage of applications that successfully close, indicating reliability and customer service.
3. **Product Knowledge:** Evaluates the lender's specific experience and volume originating the selected loan product.
4. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.