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Mortgage Lenders and Brokers in Bakersfield, California

Content reviewed by

Brian McKay | iEditorial Disclosure | ✓Fact Checked | Loan Rates Last Updated and Verified: October 7, 2026

Bakersfield, California mortgage lenders include Valley Strong Credit UnionValley Strong Credit Union8200 Stockdale Hwy Ste P, Bakersfield, CA 93311A5.0 ★Texas Ratio: 13.47%, Safe 1 Credit UnionSafe 1 Credit Union1400 Mill Rock Way, Bakersfield, CA 93311A+5.0 ★Texas Ratio: 1.69%, Strata Credit UnionStrata Credit Union1717 Truxtun Ave, Bakersfield, CA 93301 5102A+5.0 ★Texas Ratio: 1.08%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA2050 White Ln, Bakersfield, CA 93304A+5.0 ★Texas Ratio: 3.68%, US Bank, N.A.US Bank, N.A.9200 Ming Ave, Bakersfield, CA 93311A+5.0 ★Texas Ratio: 2.85%, Wells Fargo Bank NAWells Fargo Bank NA1309 N Chester Ave, Bakersfield, CA 93308A+5.0 ★Texas Ratio: 5.36%, Bank of America NABank of America NA1440 Truxtun Ave, Bakersfield, CA 93301A+5.0 ★Texas Ratio: 4.14%, Tri Counties BankTri Counties Bank11330 Ming Ave, Bakersfield, CA 93311A+5.0 ★Texas Ratio: 5.34%, BMO Harris Bank NABMO Harris Bank NA5201 California Ave, Bakersfield, CA 93309A+5.0 ★Texas Ratio: 3.54%, and Citibank, NACitibank, NA2525 Oswell St, Bakersfield, CA 93306A+5.0 ★Texas Ratio: 2.82%. Banks, credit unions and mortgage companies are listed together, with FHA, VA and local options flagged for quick comparison.

Lenders are ranked only by the number of home loans they closed in Bakersfield, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Bakersfield are listed first, then lenders elsewhere in California, then lenders from other states that closed loans there. Banks and credit unions carry a MonitorBankRates health grade, star rating and Texas Ratio, so you can judge how financially sound they are. Mortgage companies have no deposits to rate, so compare their loan programs, median loan and borrower reviews instead. Compare at least three lenders and ask each for a written loan estimate before you choose.

Mortgage Lenders and Brokers in Bakersfield, California

Market share is the lender's share of all home loans closed in Bakersfield, California. Approval share is approvals divided by completed applications. Grade is the MonitorBankRates Health and Safety Grade, available for banks and credit unions only. Average loan is the lender's mean loan amount here.

Lender	Programs	Loans closed	Market share	Approval share	Average loan	View
Valley Strong Credit Union 8200 Stockdale Hwy Ste P, Bakersfield, CA 93311 A5.0 ★Texas Ratio: 13.47%	Conventional, Jumbo, HELOC	200 +312 HELOCs	3.5%	75.1%	$284,300	View
Safe 1 Credit Union 1400 Mill Rock Way, Bakersfield, CA 93311 A+5.0 ★Texas Ratio: 1.69%	Conventional	171	3%	90%	$108,801	View
Strata Credit Union 1717 Truxtun Ave, Bakersfield, CA 93301 5102 A+5.0 ★Texas Ratio: 1.08%	Conventional	116	2.1%	68.6%	$149,051	View
JPMorgan Chase Bank, NA 9 offices in Bakersfield 2050 White Ln, Bakersfield, CA 93304 A+5.0 ★Texas Ratio: 3.68%	Conventional, FHA, HELOC	63 +10 HELOCs	1.1%	86.3%	$286,904	View
US Bank, N.A. 4 offices in Bakersfield 9200 Ming Ave, Bakersfield, CA 93311 A+5.0 ★Texas Ratio: 2.85%	Conventional, FHA, Jumbo, HELOC	38 +22 HELOCs	0.7%	50%	$362,894	View
Wells Fargo Bank NA 9 offices in Bakersfield 1309 N Chester Ave, Bakersfield, CA 93308 A+5.0 ★Texas Ratio: 5.36%	Conventional, FHA, VA	32	0.6%	74.4%	$280,937	View
Bank of America NA 6 offices in Bakersfield 1440 Truxtun Ave, Bakersfield, CA 93301 A+5.0 ★Texas Ratio: 4.14%	Conventional, FHA, HELOC	16 +83 HELOCs	0.3%	80%	$323,125	View
Tri Counties Bank 3 offices in Bakersfield 11330 Ming Ave, Bakersfield, CA 93311 A+5.0 ★Texas Ratio: 5.34%	Conventional, Jumbo, HELOC	6 +20 HELOCs	0.1%	70%	$396,666	View
BMO Harris Bank NA 1 office in Bakersfield 5201 California Ave, Bakersfield, CA 93309 A+5.0 ★Texas Ratio: 3.54%	Conventional, Jumbo, HELOC	5 +5 HELOCs	0.1%	55.6%	$531,000	View
Citibank, NA 2 offices in Bakersfield 2525 Oswell St, Bakersfield, CA 93306 A+5.0 ★Texas Ratio: 2.82%	Conventional, VA, HELOC	5 +5 HELOCs	0.1%	71.4%	$279,000	View
Mechanics Bank 5 offices in Bakersfield 2700 Mount Vernon Ave, Bakersfield, CA 93306 A+5.0 ★Texas Ratio: 1.81%	Conventional, HELOC	2 +2 HELOCs	0%	100%	$35,000	View
Golden Empire Mortgage, Inc.	Conventional, FHA, VA	178	3.1%	93.3%	$239,943
Point Mortgage Corp 2610 El Camino Real Unit A, Carlsbad, CA 92008 1214 A+5.0 ★Texas Ratio: 2.57%	Conventional, FHA, VA	46	0.8%	100%	$267,826	View
Sun West Mortgage Company, Inc 500 N Brand Blvd, Glendale, CA 91203 A+5.0 ★Texas Ratio: 5.17%	Conventional, FHA, VA	25	0.4%	88.2%	$380,600	View
Sofi Bank, National Association 9960 Live Oak Blvd, Live Oak, CA 95953 A+5.0 ★Texas Ratio: 0.51%	Conventional, FHA	19	0.3%	82.6%	$195,000	View
The Golden 1 Credit Union 4106 California Ave Ste 1, Bakersfield, CA 93309 1095 A+5.0 ★Texas Ratio: 5.50%	Conventional, FHA, Jumbo, HELOC	10 +22 HELOCs	0.2%	76.9%	$365,000	View
Change Lending 116 S Cloverdale Blvd, Cloverdale, CA 95425 A+5.0 ★Texas Ratio: 3.68%	Conventional, FHA	10	0.2%	71.4%	$320,000	View
Schoolsfirst FCU 590 N Euclid St, Anaheim, CA 92801 A+5.0 ★Texas Ratio: 5.56%	Conventional, HELOC	8 +8 HELOCs	0.1%	100%	$325,000	View
Chevron Federal Credit Union 9525 Camino Media, Bakersfield, CA 93311 A+5.0 ★Texas Ratio: 2.12%	Conventional, HELOC	7 +6 HELOCs	0.1%	100%	$276,428	View
Firefighters First Federal Credit Union 7900 Downing Ave, Bakersfield, CA 93308 A+5.0 ★Texas Ratio: 1.69%	Conventional, HELOC	4 +5 HELOCs	0.1%	80%	$250,000	View
Logix Federal Credit Union 100 N First St Ste 100, Burbank, CA 91502 1845 A+5.0 ★Texas Ratio: 5.23%	Conventional, Jumbo, HELOC	4 +3 HELOCs	0.1%	83.3%	$307,500	View
Synergy One Lending, Inc. 9600 Ming Ave Ste 146, Bakersfield, CA 93311	FHA, VA	3	0.1%	100%	$351,666
Vision One Mortgage, Inc. 3279 Ramos Cir, Sacramento, CA 95827 2500 A+5.0 ★Texas Ratio: 1.10%	Conventional, FHA	3	0.1%	75%	$378,333	View
Farmers Insurance Federal Credit Union 2255 N Ontario St, Burbank, CA 91504 A5.0 ★Texas Ratio: 12.30%	Conventional, HELOC	2 +2 HELOCs	0%	100%	$190,000	View
Flagstar Bank NA 10474 Rancho Rd, Adelanto, CA 92301 D3.3 ★Texas Ratio: 35.11%	Conventional, HELOC	2 +1 HELOCs	0%	66.7%	$300,000	View
First Entertainment CU 2520 W Olive Ave, Burbank, CA 91505 4527 A+5.0 ★Texas Ratio: 4.47%	Conventional, HELOC	2 +1 HELOCs	0%	100%	$155,000	View
Pacific Service Credit Union 840 Herndon Ave, Clovis, CA 93612 A+5.0 ★Texas Ratio: 1.59%	Conventional, HELOC	2 +1 HELOCs	0%	66.7%	$60,000	View
ClearPath Lending 300 E Magnolia Blvd, Burbank, CA 91502 A+5.0 ★Texas Ratio: 2.77%	VA	2	0%	100%	$260,000	View
F&A Federal Credit Union 2625 CORPORATE Pl, MONTEREY PARK, CA 91754 A+5.0 ★Texas Ratio: 1.14%	Conventional	2	0%	100%	$220,000	View
PNC Bank N.A. ★ 1.7 stars, 3 reviews 8500 Stockdale Hwy Ste 100, Bakersfield, CA 93311 A+5.0 ★Texas Ratio: 4.24%	Conventional, HELOC	1 +5 HELOCs	0%	50%	$305,000	View
California Coast Credit Union 386 E H St Ste 213, Chula Vista, CA 91910 7487 A+5.0 ★Texas Ratio: 1.25%	Conventional, HELOC	1 +1 HELOCs	0%	100%	$95,000	View
Orange County'S FCU 2390 E Orangewood Ave Ste 106, Anaheim, CA 92806 A+5.0 ★Texas Ratio: 4.43%	Conventional, HELOC	1 +1 HELOCs	0%	50%	$215,000	View
Educational Employees Credit Union 1660 Herndon Ave Ste 101, Clovis, CA 93611 A+5.0 ★Texas Ratio: 0.58%	Conventional, HELOC	1 +1 HELOCs	0%	50%	$725,000	View
Columbia Bank 3700 Lone Tree Way, Antioch, CA 94509 A+5.0 ★Texas Ratio: 2.28%	Conventional	1	0%	100%	$325,000	View
First Bank 1211 E Valley Blvd, Alhambra, CA 91801 A+5.0 ★Texas Ratio: 4.74%	Conventional	1	0%	100%	$665,000	View
Skyone Federal Credit Union ★ 4 stars, 1 review 777 S AVIATION BLVD, El Segundo, CA 90245 4848 A5.0 ★Texas Ratio: 10.57%	Conventional	1	0%	100%	$505,000	View
Wheelhouse Credit Union 344 F St, Chula Vista, CA 91910 2645 A+5.0 ★Texas Ratio: 1.23%	Conventional	1	0%	100%	$355,000	View
Noble Federal Credit Union 175 N Clovis Ave, Clovis, CA 93612 0304 A+5.0 ★Texas Ratio: 4.29%	Conventional	1	0%	100%	$95,000	View
Kinecta Federal Credit Union 1040 E Imperial Hwy Ste F3, Brea, CA 92821 A+5.0 ★Texas Ratio: 3.82%	Conventional	1	0%	100%	$95,000	View
Arrowhead Central Credit Union 23971 Lake Dr, Crestline, CA 92325 A+5.0 ★Texas Ratio: 3.64%	Conventional	1	0%	50%	$345,000	View
Los Angeles Police FCU 1880 Academy Dr, Los Angeles, CA 90012 1001 A+5.0 ★Texas Ratio: 2.38%	Conventional	1	0%	100%	$45,000	View
Provident Credit Union 2250 S Shore Ctr Ste C, Alameda, CA 94501 A+5.0 ★Texas Ratio: 0.49%	Conventional	1	0%	100%	$415,000	View
Eagle Community Credit Union 2310A E Lincoln Ave, Anaheim, CA 92806 4109 A+5.0 ★Texas Ratio: 3.63%	Conventional	1	0%	100%	$105,000	View
Caltech Employees Federal Credit Union 528 Foothill Blvd, La Canada, CA 91011 A+5.0 ★Texas Ratio: 0.08%	Conventional	1	0%	100%	$195,000	View
Credit Union of Southern California 900 S Fremont Ave, Alhambra, CA 91803 1331 A+5.0 ★Texas Ratio: 2.65%	Conventional	1	0%	100%	$295,000	View
CTBC Bank USA 56 E Duarte Rd, Arcadia, CA 91006 A5.0 ★Texas Ratio: 8.76%	Conventional	1	0%	100%	$435,000	View
First Ciitizens Bank and Trust 5701 Kanan Rd, Agoura Hills, CA 91301 A5.0 ★Texas Ratio: 7.72%	Conventional	1	0%	100%	$525,000	View
Premier America Credit Union 521 N Hollywood Way Ste E, Burbank, CA 91505 4984 A5.0 ★Texas Ratio: 13.97%	Conventional	1	0%	100%	$65,000	View
Excite Credit Union 265 Curtner Ave, San Jose, CA 95125 A4.9 ★Texas Ratio: 5.41%	Conventional	1	0%	100%	$85,000	View
San Joaquin Power Employees Credit Union 1080 W SHAW AVE STE 109, FRESNO, CA 93711 A+5.0 ★Texas Ratio: 0.17%	Conventional	1	0%	100%	$115,000	View
Fifth Third Bank, National Association 2416 Central Ave, Alameda, CA 94501 A+5.0 ★Texas Ratio: 3.22%	VA	1	0%	100%	$175,000	View
Certified Federal Credit Union 200 N Puente St, Brea, CA 92821 3824 A+5.0 ★Texas Ratio: 1.07%	Conventional	1	0%	100%	$35,000	View
Usc Credit Union 3720 S Flower St FL 4, Los Angeles, CA 90089 A+5.0 ★Texas Ratio: 5.49%	Conventional	1	0%	100%	$85,000	View
Tulare County Federal Credit Union 617 N Main St, Porterville, CA 93257 2358	Conventional	1	0%	100%	$65,000
Star One Credit Union 10991 N De Anza Blvd, Cupertino, CA 95014 6303 A+5.0 ★Texas Ratio: 0.64%	Conventional	1	0%	33.3%	$345,000	View
Wescom Central Credit Union ★ 5 stars, 1 review 5601 E La Palma Ave, Anaheim, CA 92807 A+5.0 ★Texas Ratio: 2.66%	HELOC	0 +4 HELOCs	0%	n/a		View
Zions Bancorporation, N.A. 31924 Crown Valley Rd, Acton, CA 93510 A+5.0 ★Texas Ratio: 3.72%	HELOC	0 +2 HELOCs	0%	n/a		View
Patelco Credit Union 2033 Kala Bagai Way, Berkeley, CA 94704 A5.0 ★Texas Ratio: 6.65%	HELOC	0 +2 HELOCs	0%	n/a		View
Redwood Credit Union 406 Napa Junction Rd Ste 126, American Canyon, CA 94503 1281 A+5.0 ★Texas Ratio: 4.20%	HELOC	0 +1 HELOCs	0%	n/a		View
Nuvision Federal Credit Union 3015 San Pablo Ave, Berkeley, CA 94702 A+5.0 ★Texas Ratio: 3.84%	HELOC	0 +1 HELOCs	0%	n/a		View
Meriwest Credit Union 19459 Stevens Creek Blvd Ste 120, Cupertino, CA 95014 A5.0 ★Texas Ratio: 6.20%	HELOC	0 +1 HELOCs	0%	n/a		View
Kind Lending, LLC	Conventional, FHA, VA	196	3.5%	82.9%	$323,316
loanDepot.com LLC	Conventional, FHA, VA, HELOC	161 +6 HELOCs	2.8%	62.5%	$311,583
Sierra Pacific Mortgage Co. Inc	Conventional, FHA, VA, Jumbo	143	2.5%	93.5%	$358,776
Dignified Home Loans LLC	Conventional, FHA, VA	133	2.4%	100%	$350,939
Pennymac Loan Services LLC	Conventional, FHA, VA	116	2.1%	74.4%	$269,482
Flexpoint, Inc.	Conventional, FHA, Jumbo	100	1.8%	97.9%	$298,100
Ocmbc, Inc. A5.0 ★Texas Ratio: 8.76%	Conventional, FHA, VA, Jumbo	90	1.6%	91.4%	$330,111	View
New American Funding, LLC.	Conventional, FHA, VA, HELOC	59 +11 HELOCs	1%	79.7%	$293,983
JMAC Lending, Inc.	Conventional, FHA	36	0.6%	100%	$405,277
Royal Pacific Funding	Conventional, FHA, VA	32	0.6%	100%	$304,375
Carrington Mortgage Services LLC	Conventional, FHA, VA	26	0.5%	41%	$228,076
AmWest Funding Corp	Conventional, FHA, VA, HELOC	24 +4 HELOCs	0.4%	85.7%	$261,250
New Wave Lending Group Inc	Conventional	24	0.4%	100%	$364,583
Paramount Residential Mortgage	Conventional, FHA, VA	22	0.4%	88%	$335,909
Plaza Home Mortgage, Inc	Conventional, FHA, VA	17	0.3%	54.8%	$262,058
Hometown Equity Mortgage, LLC	Conventional, FHA	15	0.3%	65.2%	$293,666
American Financial Network, Inc.	Conventional, FHA	14	0.2%	87.5%	$303,571
Home Mortgage Alliance Corp (Hmac)	Conventional, FHA	13	0.2%	88.2%	$387,307
Guild Mortgage Company	Conventional, FHA, VA	11	0.2%	80%	$293,181
American Pacific Mortgage Corporation	Conventional, FHA	11	0.2%	78.6%	$353,181
Geo-Corp, Inc.	FHA	11	0.2%	100%	$390,454
Nexera Holding LLC	Conventional, Jumbo	11	0.2%	100%	$465,909
Nmsi, Inc.	Conventional, FHA, Jumbo	10	0.2%	100%	$538,000
Goodleap, LLC	Conventional, FHA, HELOC	9 +12 HELOCs	0.2%	72.2%	$218,333
Alameda Mortgage Corporation	Conventional, FHA	9	0.2%	90%	$390,555
Campos Financial Corp	Conventional, FHA, VA	9	0.2%	100%	$327,222
Franklin Loan Corporation	Conventional, FHA	9	0.2%	100%	$292,777
Cake Mortgage Corp.	Conventional	9	0.2%	100%	$300,555
ML Mortgage Corp.	Conventional, FHA	7	0.1%	100%	$330,714
Zillow Home Loans, LLC	Conventional, VA	7	0.1%	87.5%	$339,285
AmeriHome Mortgage Company, LLC	FHA	6	0.1%	85.7%	$370,000
Coast 2 Coast Funding Group, Inc	Conventional	6	0.1%	100%	$196,666
Provident Funding Associates	Conventional	6	0.1%	100%	$350,000
Citadel Servicing Corporation	Conventional	6	0.1%	100%	$321,666
Mission Loans, LLC	Conventional, VA, HELOC	5 +1 HELOCs	0.1%	87.5%	$173,000
Pacific Lending LLC	Conventional, FHA	5	0.1%	100%	$423,000
Resicentral LLC	Conventional, VA	5	0.1%	70%	$465,000
AdvantageFirst Lending Inc	Conventional, FHA	5	0.1%	50%	$225,000
Bay-Valley Mortgage Group	Conventional, FHA	5	0.1%	100%	$321,000
Ahl Funding	Conventional, FHA, VA	5	0.1%	100%	$315,000
Stg Mortgage Inc	Conventional, FHA	5	0.1%	62.5%	$425,000
AAA Capital Investment, Inc	Conventional	4	0.1%	100%	$302,500
PFN Lending Group, Inc.	Conventional, FHA	4	0.1%	80%	$355,000
Ez Fundings Inc	Conventional, FHA	4	0.1%	100%	$340,000
Land Home Financial Services,	FHA	3	0.1%	100%	$365,000
Ony Glo, Inc.	Conventional, FHA	3	0.1%	42.9%	$415,000
Intelliloan, Inc.	FHA	3	0.1%	100%	$391,666
ClearEdge Lending LLC	Conventional	3	0.1%	100%	$245,000
MortgageOne, Inc	Conventional	2	0%	100%	$450,000
HomeXpress Mortgage Corp.	Conventional	2	0%	28.6%	$330,000
First Stardand Financial dba Nexcap Home Loans	Conventional, FHA	2	0%	100%	$310,000
Network Capital Funding Corporation	FHA	2	0%	50%	$315,000
Greenbox Loans	Conventional	2	0%	100%	$270,000
Loanleaders of America, Inc	Conventional, FHA	2	0%	100%	$210,000
Emet Lending Group, Inc.	Conventional	2	0%	100%	$335,000
Mason-McDuffie Mortgage Corporation	Conventional, VA	2	0%	100%	$230,000
Operating Engineers Federal Credit Union	Conventional	2	0%	66.7%	$120,000
Financial Partners Credit Unio	Conventional, HELOC	1 +1 HELOCs	0%	100%	$195,000
Mid Valley Services Inc	Conventional	1	0%	100%	$215,000
Mortgage Capital Partners, INC	FHA	1	0%	100%	$395,000
Bridgeway Lending Partners, LLC	Conventional	1	0%	50%	$305,000
Fidelity Lending Solutions Inc	Conventional	1	0%	100%	$205,000
JMJ Financial Group Inc.	Conventional	1	0%	100%	$145,000
Hightechlending, Inc	Conventional	1	0%	100%	$295,000
Calcon Mutual Mortgage LLC	FHA	1	0%	33.3%	$425,000
Mortgage Management Consultants, Inc.	FHA	1	0%	100%	$265,000
The Police Credit Union of California	Conventional	1	0%	100%	$45,000
Ardri LLC	Conventional	1	0%	100%	$315,000
Vista Point Mortgage, LLC	Conventional	1	0%	50%	$235,000
Arcstone Financial Inc	Conventional	1	0%	100%	$385,000
Figure Lending LLC	HELOC	0 +68 HELOCs	0%	n/a
Lendage, LLC dba Achieve Loans	HELOC	0 +18 HELOCs	0%	n/a
United Wholesale Mortgage	Conventional, FHA, VA, HELOC	786 +41 HELOCs	13.9%	89.5%	$382,086
Rocket Mortgage	Conventional, FHA, VA, Jumbo	570	10.1%	79.2%	$268,736
Peoples Mortgage Company	Conventional, FHA, VA	260	4.6%	100%	$299,307
DHI Mortgage Company, LTD.	Conventional, FHA, VA	169	3%	94.4%	$410,207
Lennar Mortgage, LLC	Conventional, FHA, VA	140	2.5%	81.5%	$405,785
Freedom Mortgage Corporation	Conventional, FHA, VA	129	2.3%	87.3%	$377,170
Newrez LLC	Conventional, FHA, VA	69	1.2%	60.7%	$257,318
The Loan Store, Inc	Conventional, FHA, VA, HELOC	65 +39 HELOCs	1.1%	95.9%	$329,461
Nationstar Mortgage	Conventional, FHA, VA	63	1.1%	73.6%	$192,936
K. Hovnanian American Mortgage	Conventional, FHA, VA	59	1%	80.8%	$438,050
CrossCountry Mortgage, LLC	Conventional, FHA, VA, HELOC	50 +3 HELOCs	0.9%	94.4%	$361,000
Mld Mortgage, Inc.Dba the Money Store	Conventional, FHA, VA	50	0.9%	94.6%	$327,800
Mortgage Research Center	Conventional, VA	37	0.7%	60.7%	$374,459
Ark-La-Tex Financial Services LLC	Conventional, FHA, VA	36	0.6%	100%	$322,777
Michigan Mutual, Inc	Conventional, FHA, VA	35	0.6%	100%	$452,142
Spring Eq, LLC	Conventional, Jumbo, HELOC	33 +23 HELOCs	0.6%	26.2%	$98,636
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional, VA, Jumbo, HELOC	33 +11 HELOCs	0.6%	60%	$268,636
Das Acquisition Company, LLC	Conventional, FHA, VA	31	0.5%	97.1%	$321,129
Union Home Mortgage Corp.	Conventional, FHA, HELOC	26 +4 HELOCs	0.5%	96.7%	$325,000
Everett Financial, Inc.	Conventional, FHA, VA, HELOC	24 +1 HELOCs	0.4%	100%	$380,833
Equity Prime Mortgage LLC	Conventional, FHA, VA	23	0.4%	71.9%	$334,565
Amerisave Mortgage Company	Conventional, FHA	22	0.4%	27.8%	$145,909
Triad Financial Services, Inc.	Conventional	21	0.4%	66.7%	$109,761
Peak Residential Lending Inc	Conventional, FHA	21	0.4%	100%	$325,000
Castle & Cooke Mortgage, LLC	Conventional, FHA, VA	17	0.3%	100%	$387,941
Cmg Mortgage Inc A+5.0 ★Texas Ratio: 2.02%	Conventional, FHA, VA, USDA, HELOC	16 +9 HELOCs	0.3%	94.1%	$390,625	View
Planet Home Lending, LLC	Conventional, FHA, VA	16	0.3%	88.9%	$288,125
Fairway Independent Mort Corp	Conventional, FHA, VA	15	0.3%	83.3%	$286,333
Better Mortgage Corporation	Conventional, FHA, HELOC	14 +9 HELOCs	0.2%	70%	$377,142
Lakeview Loan Servicing, LLC	Conventional, FHA	14	0.2%	36.4%	$198,571
HomeBridge Financial Services, Inc	Conventional, FHA, VA, HELOC	13 +25 HELOCs	0.2%	68.4%	$365,000
First Colony Mortgage Corporat	Conventional, FHA, VA	13	0.2%	93.3%	$343,461
Ameritrust Mortgage Corporation	Conventional, FHA	13	0.2%	92.9%	$301,153
Self Help Federal Credit Union	Conventional	13	0.2%	87.5%	$272,692
Mutual of Omaha Mortgage	Conventional, FHA, VA	12	0.2%	63.2%	$332,500
Guaranteed Rate, Inc.	Conventional, FHA, HELOC	11 +2 HELOCs	0.2%	100%	$396,818
Village Capital & Investment	FHA, VA	11	0.2%	67.9%	$430,454
Third Federal Savings and Loan A+5.0 ★Texas Ratio: 2.32%	Conventional, HELOC	10 +9 HELOCs	0.2%	62.5%	$74,000	View
American Financial Resources LLC	Conventional, FHA, VA	10	0.2%	100%	$307,000
Nexbank A-5.0 ★Texas Ratio: 14.93%	Conventional	10	0.2%	100%	$326,000	View
Nqm Funding, LLC	Conventional	9	0.2%	81.8%	$297,222
Discover Bank	Conventional	9	0.2%	14.1%	$68,333
Nations Lending Corporation	Conventional, FHA	9	0.2%	92.3%	$262,777
The Federal Savings Bank B+4.8 ★Texas Ratio: 16.98%	Conventional, FHA, VA, Jumbo	9	0.2%	100%	$383,888	View
PHH Mortgage Corporation	Conventional, FHA	8	0.1%	72.7%	$232,500
Loanunited.Com, LLC	Conventional, FHA, VA	8	0.1%	72.7%	$423,750
Nations Direct Mortgage, LLC	Conventional, FHA, VA	8	0.1%	100%	$325,000
Genway Home Mortgage, Inc.	Conventional, FHA	7	0.1%	43.8%	$332,142
Click n' Close, Inc.	Conventional, FHA	6	0.1%	100%	$226,666
Lower, LLC	Conventional, FHA	6	0.1%	75%	$285,000
Panorama Mortgage Group, LLC	Conventional, FHA	5	0.1%	100%	$189,000
All Credit Considered Mortgage, Inc.	Conventional	5	0.1%	100%	$299,000
Towne Mortgage Company A+5.0 ★Texas Ratio: 1.59%	Conventional, FHA	5	0.1%	100%	$431,000	View
Morgan Stanley Private Bank NA A4.8 ★Texas Ratio: 2.45%	Conventional	5	0.1%	100%	$571,000	View
21St Mortgage	Conventional	5	0.1%	21.4%	$113,000
Genisys Credit Union	Conventional, Jumbo	4	0.1%	100%	$862,500
New Day Financial, LLC.	VA	4	0.1%	28.6%	$307,500
Magnolia Bank A-5.0 ★Texas Ratio: 14.97%	Conventional, VA	4	0.1%	71.4%	$325,000	View
Champions Funding, LLC	Conventional	4	0.1%	80%	$327,500
Quorum Federal Credit Union	Conventional, HELOC	3 +3 HELOCs	0.1%	75%	$65,000
Truist Bank ★ 1 stars, 1 review A+5.0 ★Texas Ratio: 2.87%	Conventional, HELOC	3 +3 HELOCs	0.1%	100%	$438,333	View
Movement Mortgage, LLC	Conventional, HELOC	3 +1 HELOCs	0.1%	100%	$335,000
A&D Mortgage LLC A+5.0 ★Texas Ratio: 4.11%	Conventional	3	0.1%	100%	$381,666	View
Sage Home Loans Corporation	Conventional	3	0.1%	77.8%	$485,000
Oaktree Funding Corp	Conventional, Jumbo	3	0.1%	100%	$691,666
Credit Human Federal Credit Un	Conventional	3	0.1%	53.3%	$51,666
V.I.P. Mortgage, Inc.	Conventional, FHA	3	0.1%	100%	$315,000
Veritas Funding, LLC	FHA, VA	3	0.1%	100%	$391,666
Top Flite Financial, Inc.	Conventional, FHA	3	0.1%	75%	$311,666
Tomo Mortgage LLC	Conventional	3	0.1%	75%	$555,000
Angel Oak Mortgage Solutions LLC	Conventional, HELOC	2 +2 HELOCs	0%	100%	$520,000
Royal United Mortgage LLC	Conventional	2	0%	100%	$100,000
Primelending	Conventional	2	0%	100%	$450,000
Gold Star Mortgage Financial Group, Corporation	FHA	2	0%	100%	$275,000
Envoy Mortgage, Ltd	Conventional, FHA	2	0%	100%	$265,000
M&T Bank A+5.0 ★Texas Ratio: 4.11%	Conventional, FHA	2	0%	40%	$130,000	View
Filo Mortgage, LLC	Conventional, FHA	2	0%	100%	$400,000
Emporium Tpo LLC	Conventional	2	0%	100%	$220,000
City Lending Inc.	Conventional, FHA	2	0%	100%	$105,000
Data Mortgage, Inc	FHA	2	0%	100%	$355,000
Cardinal Financial Company, Li	Conventional	2	0%	100%	$175,000
Usaa Federal Savings Bank B-3.5 ★Texas Ratio: 6.80%	VA	2	0%	40%	$365,000	View
Churchill Mortgage Corporation	Conventional	2	0%	100%	$350,000
Encompass Lending Group, L.P.	Conventional	2	0%	100%	$330,000
Mortgage Solutions of Colorado	Conventional, FHA	2	0%	66.7%	$175,000
RoundPoint Mortgage Servicing LLC	Conventional	2	0%	100%	$120,000
First National Bank of America B-4.3 ★Texas Ratio: 23.12%	Conventional	2	0%	100%	$340,000	View
Nationwide Mortgage Bankers, Inc.	Conventional	2	0%	100%	$230,000
Plains Commerce Bank A5.0 ★Texas Ratio: 9.09%	Conventional, FHA	2	0%	100%	$595,000	View
Ameris Bank ★ 4 stars, 1 review A+5.0 ★Texas Ratio: 1.82%	VA	2	0%	100%	$560,000	View
Alliant Credit Union	Conventional, HELOC	1 +11 HELOCs	0%	100%	$345,000
Ussfcu	Conventional, HELOC	1 +1 HELOCs	0%	100%	$125,000
WSFS bank A+5.0 ★Texas Ratio: 3.10%	Conventional, HELOC	1 +1 HELOCs	0%	100%	$95,000	View
Premia Mortgage, LLC A5.0 ★Texas Ratio: 13.21%	Conventional	1	0%	100%	$395,000	View
Guaranteed Rate Affinity, LLC	FHA	1	0%	100%	$335,000
Cliffco, Inc.	Conventional	1	0%	100%	$405,000
HomePromise Corporation	VA	1	0%	50%	$425,000
Primary Residential Mortgage, INC.	Conventional	1	0%	100%	$175,000
Charles Schwab Bank, Ssb A+5.0 ★Texas Ratio: 0.14%	Conventional	1	0%	100%	$575,000	View
Success Lending, LLC	FHA	1	0%	100%	$465,000
Canopy Mortgage, LLC	Conventional	1	0%	100%	$265,000
Nbkc Bank	Conventional	1	0%	100%	$675,000
Norwich Commercial Group Inc	FHA	1	0%	100%	$395,000
Guidance Residential, LLC	Conventional	1	0%	100%	$565,000
Dart Bank	FHA	1	0%	100%	$415,000
Advancial Federal Credit Union	Conventional	1	0%	100%	$225,000
Deephaven Mortgage LLC	Conventional	1	0%	50%	$415,000
Farmers Bank & Trust A+5.0 ★Texas Ratio: 0.65%	Conventional	1	0%	100%	$625,000	View
Mortgage Assurance Inc	FHA	1	0%	100%	$395,000
Credit Union Mortgage Associat	Conventional	1	0%	100%	$115,000
Oceanside Mortgage Company	FHA	1	0%	100%	$365,000
Connexus Credit Union	Conventional	1	0%	100%	$55,000
Bay Equity LLC	Conventional	1	0%	100%	$395,000
Weichert Financial Services	Conventional	1	0%	100%	$435,000
Homeowners Financial Group, LLC	Conventional	1	0%	100%	$145,000
Nfm, Inc	FHA	1	0%	100%	$305,000
Foundation Mortgage Corporation	Conventional	1	0%	100%	$195,000
Capital Bank, N.A. A-5.0 ★Texas Ratio: 15.49%	FHA	1	0%	100%	$265,000	View
Reliable Holdings Manager dba Lendz Financial	Conventional	1	0%	100%	$175,000
Tri Pointe Connect, LLC	Conventional	1	0%	100%	$305,000
First Federal Bank A+5.0 ★Texas Ratio: 1.10%	Conventional	1	0%	100%	$625,000	View
Wheaton Bank & Trust Company, N.A. A+5.0 ★Texas Ratio: 3.87%	Conventional	1	0%	100%	$775,000	View
Barrington Bank & Trust Company, N.A. A+5.0 ★Texas Ratio: 2.20%	Conventional	1	0%	100%	$265,000	View
Geneva Financial LLC	Conventional	1	0%	100%	$275,000
Saygo Home Loans, LLC	Conventional	1	0%	100%	$145,000
United Mortgage Corp.	Conventional	1	0%	100%	$455,000
Pike Creek Mortgage Services, Inc.	Conventional	1	0%	100%	$115,000
First Reliance Bank A+5.0 ★Texas Ratio: 0.55%	Conventional	1	0%	100%	$295,000	View
The Central Trust Bank A+5.0 ★Texas Ratio: 3.12%	VA	1	0%	100%	$695,000	View
Right Start Mortgage, Inc	FHA	1	0%	100%	$335,000
RBC Bank (Georgia), N.A.	Conventional	1	0%	100%	$295,000
Luxury Mortgage Corp.	Conventional	1	0%	100%	$755,000
Leaderone Financial Corp.	VA	1	0%	100%	$435,000
Coastal Community Bank B4.5 ★Texas Ratio: 20.96%	HELOC	0 +43 HELOCs	0%	n/a		View
Valon Mortgage	HELOC	0 +5 HELOCs	0%	n/a
Pentagon Federal Credit Union	HELOC	0 +5 HELOCs	0%	n/a
Gte Federal Credit Union	HELOC	0 +5 HELOCs	0%	n/a
Fourleaf Federal Credit Union	HELOC	0 +4 HELOCs	0%	n/a
Comerica Bank A+5.0 ★Texas Ratio: 4.14%	HELOC	0 +2 HELOCs	0%	n/a		View
Fed Ex Employees Credit Association	HELOC	0 +2 HELOCs	0%	n/a
Usalliance Federal Credit Union	HELOC	0 +2 HELOCs	0%	n/a
Skyla Federal Credit Union A5.0 ★Texas Ratio: 9.56%	HELOC	0 +1 HELOCs	0%	n/a
Northpointe Bank A5.0 ★Texas Ratio: 8.47%	HELOC	0 +1 HELOCs	0%	n/a		View
Baxter Credit Union A5.0 ★Texas Ratio: 6.31%	HELOC	0 +1 HELOCs	0%	100%		View
HomeTrust Bank A+5.0 ★Texas Ratio: 5.53%	HELOC	0 +1 HELOCs	0%	n/a		View

Lender counts and market shares come from 2025 federal HMDA loan data, the public record of mortgage applications and closings. Health grades: MonitorBankRates, rates as of Oct 7, 2026.

Bakersfield Mortgage Rate Trends

Daily average mortgage rates for California compared with the national average, updated every evening.

30-Year Fixed CA Avg

7.345%

▲ 0.089 vs 7 days ago

15-Year Fixed CA Avg

6.901%

▲ 0.040 vs 7 days ago

Mortgage Lenders and Mortgage Brokers Near Me in Bakersfield, California

Looking for mortgage lenders near me or mortgage brokers near me in Bakersfield? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Bakersfield in 2025, with lenders based there listed first.

Types of Mortgage Lenders in Bakersfield, CA

Use these to narrow the list above. Each category shows how many Bakersfield, CA lenders fit and what that kind of lender is usually best for.

Mortgage companies and brokers 174 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 47 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 57 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 118 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 66 lenders. No down payment and no mortgage insurance for eligible veterans and service members USDA lenders 1 lenders. Zero down loans in eligible rural and suburban areas Jumbo lenders 17 lenders. Loans above the conforming limit for higher priced homes Local lenders based in CA 120 lenders headquartered in California, the closest thing to a mortgage lender near you

Who Lends in Bakersfield, CA

Independent mortgage companies closed 84.3 percent of home loans in Bakersfield, California in 2025, banks 4.8 percent and credit unions 10.8 percent. Golden Empire Mortgage, Inc. was the largest mortgage company, JPMorgan Chase Bank, NA the largest bank and Valley Strong Credit Union the largest credit union. Among lenders headquartered in California, Valley Strong Credit Union led with 200 loans.

84.3%

Mortgage companies

4.8%

Banks

10.8%

Credit unions

31%

FHA loans

VA loans

How to Read This List

A high approval share with a small median loan usually points to a lender comfortable with first time and FHA borrowers. A large median loan with conventional and jumbo programs points to a move up and jumbo specialist. The health grade says whether a bank or credit union is financially sound; it says nothing about service, which is what the reviews below are for.

Title or escrow companies usually handle closings in California. County documentary transfer tax of $1.10 per $1,000 (0.11 percent), with many cities adding their own transfer tax (for example San Francisco and Los Angeles at much higher rates); no mortgage recording tax.

More California Mortgage Lender Pages

All California lenders 861 lenders Los Angeles 480 lenders San Diego 411 lenders San Jose 294 lenders Fresno 260 lenders San Francisco 277 lenders Sacramento 300 lenders Menifee 239 lenders Long Beach 284 lenders Oakland 265 lenders Santa Clarita 265 lenders Stockton 212 lenders Chula Vista 203 lenders

Frequently Asked Questions About Mortgage Lenders in Bakersfield, CA

Who is the largest mortgage lender in Bakersfield, CA?

By home loans closed in 2025, Valley Strong Credit Union was the largest mortgage lender in Bakersfield, California with 200 loans, about 3.5 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which mortgage lenders in Bakersfield, CA have the highest approval rates?

Among lenders with meaningful volume in Bakersfield, California, Dignified Home Loans LLC approved the highest share of completed applications in 2025 at 100 percent, against a 80.1 percent average for all lenders. Approval share reflects the applicants a lender attracts as much as its underwriting, so compare it alongside loan programs and median loan size. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which Bakersfield, CA mortgage lenders offer FHA, VA and USDA loans?

118 lenders closed FHA loans in Bakersfield, California in 2025, led by United Wholesale Mortgage with 311. 66 lenders closed VA loans, led by United Wholesale Mortgage, and 1 closed USDA rural loans. Use the FHA and VA filters above the table to see only those lenders; FHA loans allow 3.5 percent down and lower credit scores, VA loans need no down payment for eligible veterans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Are credit unions and local banks included in this Bakersfield, CA lender list?

Yes. 47 banks and 57 credit unions closed home loans in Bakersfield, California in 2025, alongside 174 independent mortgage companies and brokers. Banks and credit unions carry a MonitorBankRates health grade. Mortgage companies are not deposit institutions, so they have no health grade; their HMDA figures and borrower reviews stand in. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

How are mortgage lenders in Bakersfield, CA ranked on this page?

Lenders are ranked only by the number of home loans they closed in Bakersfield, California during 2025 as reported under the federal Home Mortgage Disclosure Act. No lender pays to be listed or to rank higher, and reviews do not change the order. Counts cover first and second lien loans on one to four unit homes for purchase, refinance and home improvement; home equity lines are counted separately.

Methodology and Sources

Lender rankings use the loan level records that lenders file under the Home Mortgage Disclosure Act, published by the FFIEC and the Consumer Financial Protection Bureau for the 2025 reporting year. Counts include originated first and subordinate lien loans on one to four unit homes in Bakersfield, California for purchase, refinance and other purposes; home equity lines of credit are counted separately and reverse mortgages and business purpose loans are excluded. Approval share is originations plus approved but not accepted applications divided by all completed applications (withdrawn and incomplete files are excluded). Lender type comes from the lender's federal regulator and the FFIEC National Information Center. City figures use the Census tracts that make up Bakersfield. Health grades are MonitorBankRates data and are current as of the date shown. Lenders below the HMDA reporting thresholds do not appear. MonitorBankRates receives no payment for placement on this page. Last updated October 8, 2026.