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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 VA Mortgage Company Lenders in Bakersfield
Updated February 5, 2026
Market Overview
26
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 | Strong | Exceptional | Exceptional | Exceptional | $3,687 | +0.209% | 1,383 | |
2 | KIND LENDING, LLC | Exceptional | Strong | Exceptional | Strong | Exceptional | $3,414 | +0.407% | 242 | |
3 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $2,709 | +0.190% | 99 | |
4 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $3,133 | +0.232% | 97 | |
5 | AMERICAN FINANCIAL NETWORK, INC. | Exceptional | Strong | Exceptional | Strong | Sound | $435 | +0.309% | 52 | |
6 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Sound | $3,480 | +0.544% | 32 | |
7 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,270 | +0.320% | 841 | |
8 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $1,174 | -0.052% | 180 | |
9 | NEWREZ LLC | Strong | Sound | Exceptional | Strong | Strong | $2,982 | +0.399% | 75 | |
10 | GOLDEN EMPIRE MORTGAGE, INC. | Strong | Acceptable | Strong | Exceptional | Exceptional | $6,122 | +0.480% | 305 | |
11 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Exceptional | Strong | Exceptional | $5,558 | +0.386% | 285 | |
12 | MICHIGAN MUTUAL, INC. | Strong | Sound | Strong | Strong | Strong | $4,789 | +0.188% | 106 | |
13 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,894 | +0.582% | 66 | |
14 | JMAC LENDING, INC. | Strong | Sound | Strong | Strong | Strong | $5,124 | +0.149% | 59 | |
15 | MORIA DEVELOPMENT, INC. | Strong | Acceptable | Strong | Strong | Exceptional | $5,608 | +0.566% | 330 | |
16 | DIGNIFIED HOME LOANS, LLC | Strong | Acceptable | Strong | Strong | Exceptional | $4,806 | +0.518% | 173 | |
17 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $5,342 | +1.018% | 111 | |
18 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,513 | +0.778% | 104 | |
19 | DAS Acquisition Company, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,328 | +0.620% | 79 | |
20 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,980 | +0.196% | 58 | |
21 | Nations Lending Corporation | Strong | Mediocre | Exceptional | Exceptional | Strong | $4,477 | +0.345% | 74 | |
22 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Sound | $4,128 | +0.411% | 46 | |
23 | GoodLeap, LLC | Strong | Sound | Strong | Sound | Sound | $4,069 | +0.259% | 43 | |
24 | MORTGAGE SOLUTIONS OF COLORADO, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,104 | +1.051% | 18 | |
25 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Strong | Strong | $5,166 | +0.360% | 90 | |
26 | NEW AMERICAN FUNDING, LLC | Sound | Mediocre | Exceptional | Sound | Strong | $3,358 | +0.687% | 63 |
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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