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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 Mortgage Company Lenders in Bakersfield
Updated February 5, 2026
Market Overview
50
Total Lenders
7,199
Total Loans
0.45%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $3,687 | +0.209% | 1,383 | |
2 | MLD MORTGAGE INC. | Strong | Sound | Exceptional | Strong | $4,213 | +0.477% | 78 | |
3 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $4,270 | +0.320% | 841 | |
4 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Strong | $1,174 | -0.052% | 180 | |
5 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $2,709 | +0.190% | 99 | |
6 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $3,133 | +0.232% | 97 | |
7 | POINT MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $3,811 | +0.183% | 70 | |
8 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Sound | $3,428 | +0.331% | 30 | |
9 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Strong | Exceptional | $5,558 | +0.386% | 285 | |
10 | KIND LENDING, LLC | Strong | Acceptable | Strong | Exceptional | $3,414 | +0.407% | 242 | |
11 | OCMBC, INC. | Strong | Acceptable | Strong | Exceptional | $3,259 | +0.675% | 216 | |
12 | DIGNIFIED HOME LOANS, LLC | Strong | Acceptable | Strong | Exceptional | $4,806 | +0.518% | 173 | |
13 | DAS Acquisition Company, LLC | Strong | Acceptable | Exceptional | Strong | $3,328 | +0.620% | 79 | |
14 | Nations Lending Corporation | Strong | Acceptable | Exceptional | Strong | $4,477 | +0.345% | 74 | |
15 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $3,894 | +0.582% | 66 | |
16 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | $3,980 | +0.196% | 58 | |
17 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Sound | $3,480 | +0.544% | 32 | |
18 | GOLDEN EMPIRE MORTGAGE, INC. | Strong | Mediocre | Exceptional | Exceptional | $6,122 | +0.480% | 305 | |
19 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Strong | $5,342 | +1.018% | 111 | |
20 | MICHIGAN MUTUAL, INC. | Strong | Acceptable | Strong | Strong | $4,789 | +0.188% | 106 | |
21 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $4,513 | +0.778% | 104 | |
22 | THE LOAN STORE, INC. | Strong | Acceptable | Strong | Strong | $4,699 | +0.352% | 69 | |
23 | PEAK RESIDENTIAL LENDING INC | Strong | Acceptable | Strong | Strong | $4,274 | +0.373% | 60 | |
24 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Strong | Strong | $4,128 | +0.471% | 58 | |
25 | Equity Prime Mortgage LLC | Strong | Acceptable | Strong | Strong | $3,928 | +0.505% | 57 | |
26 | GoodLeap, LLC | Strong | Sound | Sound | Sound | $4,069 | +0.259% | 43 | |
27 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Sound | $3,197 | +0.403% | 31 | |
28 | CAMPOS FINANCIAL CORP. | Strong | Acceptable | Strong | Strong | $3,839 | +0.422% | 30 | |
29 | PLANET HOME LENDING, LLC | Strong | Acceptable | Exceptional | Sound | $4,955 | +0.455% | 28 | |
30 | MORIA DEVELOPMENT, INC. | Sound | Mediocre | Strong | Exceptional | $5,608 | +0.566% | 330 | |
31 | AMERICAN PACIFIC MORTGAGE CORPORATION | Sound | Mediocre | Exceptional | Strong | $5,166 | +0.360% | 90 | |
32 | NEWREZ LLC | Sound | Acceptable | Sound | Strong | $2,982 | +0.399% | 75 | |
33 | NEW AMERICAN FUNDING, LLC | Sound | Acceptable | Sound | Strong | $3,358 | +0.687% | 63 | |
34 | JMAC LENDING, INC. | Sound | Acceptable | Sound | Strong | $5,124 | +0.149% | 59 | |
35 | AMERICAN FINANCIAL NETWORK, INC. | Sound | Acceptable | Strong | Sound | $435 | +0.309% | 52 | |
36 | NATIONSTAR MORTGAGE LLC | Sound | Acceptable | Strong | Sound | $4,128 | +0.411% | 46 | |
37 | PLAZA HOME MORTGAGE, INC. | Sound | Acceptable | Strong | Sound | $3,126 | +0.757% | 27 | |
38 | SUN WEST MORTGAGE COMPANY, INC. | Sound | Acceptable | Strong | Sound | $3,154 | +0.166% | 24 | |
39 | AUGUSTA FINANCIAL, INC. | Sound | Acceptable | Strong | Sound | $4,346 | +0.056% | 23 | |
40 | Hometown Equity Mortgage, LLC | Sound | Acceptable | Sound | Sound | $2,886 | +0.346% | 34 | |
41 | ALAMEDA MORTGAGE CORPORATION | Sound | Mediocre | Exceptional | Sound | $5,046 | +0.519% | 32 | |
42 | SUMMIT FUNDING, INC. | Sound | Mediocre | Exceptional | Sound | $4,782 | +0.427% | 26 | |
43 | HOMEBRIDGE FINANCIAL SERVICES, INC. | Sound | Acceptable | Sound | Sound | $2,525 | +0.568% | 21 | |
44 | CARRINGTON MORTGAGE SERVICES, LLC | Sound | Acceptable | Sound | Sound | $4,843 | +1.038% | 20 | |
45 | EMET LENDING GROUP, INC. | Sound | Mediocre | Exceptional | Sound | $7,468 | +0.819% | 20 | |
46 | EVERETT FINANCIAL, INC. | Sound | Mediocre | Exceptional | Sound | $5,430 | +1.063% | 20 | |
47 | FlexPoint, Inc. | Sound | Mediocre | Sound | Strong | $3,847 | +0.705% | 107 | |
48 | ROYAL PACIFIC FUNDING CORP. | Sound | Mediocre | Sound | Strong | $5,605 | +0.637% | 52 | |
49 | Luminate Home Loans, Inc. | Sound | Mediocre | Strong | Sound | $3,689 | +0.744% | 27 |
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)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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.
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