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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 Company Lenders in Bakersfield

Updated February 5, 2026

Market Overview

Total Lenders

7,868

Total Loans

0.38%

Median Rate Spread

Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Spread	Volume
1	UNITED WHOLESALE MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,687	+0.209%	1,383
2	ROCKET MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$4,270	+0.320%	841
3	LOANDEPOT.COM, LLC	Strong	Sound	Exceptional	Strong	Strong	$1,174	-0.052%	180
4	Sierra Pacific Mortgage Company, Inc.	Strong	Acceptable	Exceptional	Strong	Exceptional	$5,558	+0.386%	285
5	KIND LENDING, LLC	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,414	+0.407%	242
6	PENNYMAC LOAN SERVICES, LLC	Strong	Sound	Exceptional	Sound	Strong	$2,709	+0.190%	99
7	MLD MORTGAGE INC.	Strong	Sound	Strong	Strong	Strong	$4,213	+0.477%	78
8	Nations Lending Corporation	Strong	Acceptable	Exceptional	Exceptional	Strong	$4,477	+0.345%	74
9	POINT MORTGAGE CORPORATION	Strong	Sound	Strong	Strong	Strong	$3,811	+0.183%	70
10	ARK-LA-TEX FINANCIAL SERVICES, LLC.	Strong	Sound	Exceptional	Strong	Sound	$3,428	+0.331%	30
11	PLAZA HOME MORTGAGE, INC.	Strong	Sound	Exceptional	Strong	Sound	$3,126	+0.757%	27
12	DIGNIFIED HOME LOANS, LLC	Strong	Acceptable	Strong	Strong	Exceptional	$4,806	+0.518%	173
13	CROSSCOUNTRY MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$4,513	+0.778%	104
14	FREEDOM MORTGAGE CORPORATION	Strong	Sound	Strong	Sound	Strong	$3,133	+0.232%	97
15	DAS Acquisition Company, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$3,328	+0.620%	79
16	THE LOAN STORE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$4,699	+0.352%	69
17	FAIRWAY INDEPENDENT MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Strong	Strong	$3,894	+0.582%	66
18	Paramount Residential Mortgage Group, Inc.	Strong	Acceptable	Exceptional	Strong	Strong	$4,128	+0.471%	58
19	GUILD MORTGAGE COMPANY LLC	Strong	Acceptable	Exceptional	Strong	Strong	$3,980	+0.196%	58
20	GOLDEN EMPIRE MORTGAGE, INC.	Strong	Mediocre	Exceptional	Strong	Exceptional	$6,122	+0.480%	305
21	MICHIGAN MUTUAL, INC.	Strong	Acceptable	Strong	Strong	Strong	$4,789	+0.188%	106
22	NEWREZ LLC	Strong	Acceptable	Exceptional	Sound	Strong	$2,982	+0.399%	75
23	NEW AMERICAN FUNDING, LLC	Strong	Acceptable	Exceptional	Sound	Strong	$3,358	+0.687%	63
24	AMERICAN FINANCIAL NETWORK, INC.	Strong	Acceptable	Exceptional	Strong	Sound	$435	+0.309%	52
25	NATIONSTAR MORTGAGE LLC	Strong	Acceptable	Exceptional	Strong	Sound	$4,128	+0.411%	46
26	GoodLeap, LLC	Strong	Sound	Strong	Sound	Sound	$4,069	+0.259%	43
27	GUARANTEED RATE, INC.	Strong	Acceptable	Exceptional	Strong	Sound	$3,480	+0.544%	32
28	CMG MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Sound	$3,197	+0.403%	31
29	NMSI, INC.	Strong	Acceptable	Strong	Exceptional	Sound	$4,089	+0.809%	19
30	PRIMELENDING, A PLAINSCAPITAL COMPANY	Strong	Acceptable	Exceptional	Strong	Sound	$3,939	+0.120%	17
31	MORIA DEVELOPMENT, INC.	Strong	Mediocre	Strong	Strong	Exceptional	$5,608	+0.566%	330
32	AMERICAN PACIFIC MORTGAGE CORPORATION	Strong	Mediocre	Exceptional	Strong	Strong	$5,166	+0.360%	90
33	PLANET HOME LENDING, LLC	Strong	Acceptable	Strong	Strong	Sound	$4,955	+0.455%	28
34	NATIONS DIRECT MORTGAGE, LLC	Strong	Acceptable	Strong	Strong	Sound	$1,501	+0.553%	18
35	OCMBC, INC.	Sound	Mediocre	Strong	Sound	Exceptional	$3,259	+0.675%	216
36	PEAK RESIDENTIAL LENDING INC	Sound	Mediocre	Strong	Strong	Strong	$4,274	+0.373%	60
37	JMAC LENDING, INC.	Sound	Acceptable	Strong	Acceptable	Strong	$5,124	+0.149%	59
38	ALAMEDA MORTGAGE CORPORATION	Sound	Mediocre	Exceptional	Strong	Sound	$5,046	+0.519%	32
39	Luminate Home Loans, Inc.	Sound	Mediocre	Exceptional	Strong	Sound	$3,689	+0.744%	27
40	SUMMIT FUNDING, INC.	Sound	Mediocre	Exceptional	Strong	Sound	$4,782	+0.427%	26
41	EVERETT FINANCIAL, INC.	Sound	Mediocre	Exceptional	Strong	Sound	$5,430	+1.063%	20
42	FlexPoint, Inc.	Sound	Mediocre	Strong	Sound	Strong	$3,847	+0.705%	107
43	AUGUSTA FINANCIAL, INC.	Sound	Acceptable	Sound	Sound	Sound	$4,346	+0.056%	23
44	EMET LENDING GROUP, INC.	Sound	Mediocre	Strong	Strong	Sound	$7,468	+0.819%	20
45	CARRINGTON MORTGAGE SERVICES, LLC	Sound	Acceptable	Strong	Acceptable	Sound	$4,843	+1.038%	20
46	NEW WAVE LENDING GROUP INC	Sound	Mediocre	Strong	Strong	Sound	$3,500	+0.686%	18
47	CAMPOS FINANCIAL CORP.	Sound	Mediocre	Acceptable	Strong	Strong	$3,839	+0.422%	30
48	Equity Prime Mortgage LLC	Sound	Mediocre	Sound	Acceptable	Strong	$3,928	+0.505%	57
49	ROYAL PACIFIC FUNDING CORP.	Sound	Mediocre	Sound	Acceptable	Strong	$5,605	+0.637%	52

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)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

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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