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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 FHA Mortgage Company Lenders in Bakersfield
Updated February 5, 2026
Market Overview
49
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 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,687 | +0.209% | 1,383 | |
2 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $3,133 | +0.232% | 97 | |
3 | KIND LENDING, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,414 | +0.407% | 242 | |
4 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Sound | Strong | $2,709 | +0.190% | 99 | |
5 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Exceptional | Strong | Exceptional | Strong | Sound | $3,428 | +0.331% | 30 | |
6 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,270 | +0.320% | 841 | |
7 | MORIA DEVELOPMENT, INC. | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $5,608 | +0.566% | 330 | |
8 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $1,174 | -0.052% | 180 | |
9 | MICHIGAN MUTUAL, INC. | Strong | Sound | Exceptional | Strong | Strong | $4,789 | +0.188% | 106 | |
10 | MLD MORTGAGE INC. | Strong | Sound | Exceptional | Strong | Strong | $4,213 | +0.477% | 78 | |
11 | THE LOAN STORE, INC. | Strong | Sound | Exceptional | Strong | Strong | $4,699 | +0.352% | 69 | |
12 | GoodLeap, LLC | Strong | Strong | Exceptional | Sound | Sound | $4,069 | +0.259% | 43 | |
13 | AUGUSTA FINANCIAL, INC. | Strong | Strong | Strong | Strong | Sound | $4,346 | +0.056% | 23 | |
14 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Exceptional | Strong | Exceptional | $5,558 | +0.386% | 285 | |
15 | OCMBC, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,259 | +0.675% | 216 | |
16 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Strong | $2,982 | +0.399% | 75 | |
17 | Nations Lending Corporation | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,477 | +0.345% | 74 | |
18 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,894 | +0.582% | 66 | |
19 | PLANET HOME LENDING, LLC | Strong | Sound | Exceptional | Strong | Sound | $4,955 | +0.455% | 28 | |
20 | NATIONS DIRECT MORTGAGE, LLC | Strong | Sound | Exceptional | Strong | Sound | $1,501 | +0.553% | 18 | |
21 | GOLDEN EMPIRE MORTGAGE, INC. | Strong | Mediocre | Exceptional | Exceptional | Exceptional | $6,122 | +0.480% | 305 | |
22 | DIGNIFIED HOME LOANS, LLC | Strong | Acceptable | Strong | Strong | Exceptional | $4,806 | +0.518% | 173 | |
23 | JMAC LENDING, INC. | Strong | Sound | Strong | Sound | Strong | $5,124 | +0.149% | 59 | |
24 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $4,128 | +0.471% | 58 | |
25 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,980 | +0.196% | 58 | |
26 | Equity Prime Mortgage LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,928 | +0.505% | 57 | |
27 | CAMPOS FINANCIAL CORP. | Strong | Acceptable | Strong | Exceptional | Strong | $3,839 | +0.422% | 30 | |
28 | HOMEBRIDGE FINANCIAL SERVICES, INC. | Strong | Sound | Strong | Strong | Sound | $2,525 | +0.568% | 21 | |
29 | FlexPoint, Inc. | Strong | Acceptable | Strong | Strong | Strong | $3,847 | +0.705% | 107 | |
30 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Exceptional | Strong | $5,166 | +0.360% | 90 | |
31 | DAS Acquisition Company, LLC | Strong | Mediocre | Exceptional | Exceptional | Strong | $3,328 | +0.620% | 79 | |
32 | POINT MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | Strong | $3,811 | +0.183% | 70 | |
33 | PEAK RESIDENTIAL LENDING INC | Strong | Acceptable | Strong | Strong | Strong | $4,274 | +0.373% | 60 | |
34 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $435 | +0.309% | 52 | |
35 | Hometown Equity Mortgage, LLC | Strong | Sound | Strong | Sound | Sound | $2,886 | +0.346% | 34 | |
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 | PLAZA HOME MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $3,126 | +0.757% | 27 | |
39 | SUN WEST MORTGAGE COMPANY, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $3,154 | +0.166% | 24 | |
40 | MORTGAGE SOLUTIONS OF COLORADO, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,104 | +1.051% | 18 | |
41 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Strong | $4,513 | +0.778% | 104 | |
42 | ROYAL PACIFIC FUNDING CORP. | Strong | Acceptable | Strong | Sound | Strong | $5,605 | +0.637% | 52 | |
43 | ALAMEDA MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Exceptional | Sound | $5,046 | +0.519% | 32 | |
44 | SUMMIT FUNDING, INC. | Strong | Mediocre | Exceptional | Exceptional | Sound | $4,782 | +0.427% | 26 | |
45 | CARRINGTON MORTGAGE SERVICES, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $4,843 | +1.038% | 20 | |
46 | EVERETT FINANCIAL, INC. | Strong | Mediocre | Exceptional | Exceptional | Sound | $5,430 | +1.063% | 20 | |
47 | NEW AMERICAN FUNDING, LLC | Sound | Mediocre | Exceptional | Sound | Strong | $3,358 | +0.687% | 63 | |
48 | NATIONSTAR MORTGAGE LLC | Sound | Mediocre | Exceptional | Strong | Sound | $4,128 | +0.411% | 46 | |
49 | Luminate Home Loans, Inc. | Sound | Mediocre | Exceptional | 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 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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