Top Mortgage Lenders in Bakersfield, CA

Which mortgage lender in the Bakersfield, CA area typically has the best rates? To help you narrow down where to shop for a mortgage, MortgageWaldo.com provides an objective and data driven ranking of mortgage lenders operating in the Bakersfield, CA area by interest rate and market share. Unlike our competitors, we maintain independence by not accepting any compensation from the mortgage lenders we rank. We use data on all fixed rate mortgages that were closed in the past year to generate our rankings.

Going by historical data, the best mortgage lender in the Bakersfield, CA area in terms of interest rate is Golden Empire Mortgage, with an average “Rate Difference” of -0.45%. This means that, comparing similar borrowers, Golden Empire Mortgage provided a -0.45% lower interest rate for its customers than other lenders in the area. Golden Empire Mortgage has a market share of 5.1%. On the other hand, the most popular lender in the Bakersfield, CA area is Quicken Loans, with a larger market share of 9.7%. Quicken Loans is an average lender in terms of the interest rate it offers, with a “Rate Difference” of +0.09% compared to those of other lenders in this area.

Our detailed ranking of mortgage lenders in the Bakersfield, CA area is shown in the table below. In the table, we also give our assessment of whether they are, on average, a cheap/expensive lender through a star rating system. You can choose to tailor our ranking table to a specific mortgage type (Conventional/Jumbo/FHA/VA) and purpose (purchase/refinance) through the drop-down menu. For example, the cheapest lender for Conventional mortgages in Bakersfield, CA is Golden Empire Mortgage. If you want to take out a loan that is above conforming limits (for example, above $548,250 in 2021), the cheapest Jumbo mortgage provider is Wells Fargo Bank. If on the other hand, you want lower down payment or credit score requirements, the cheapest FHA mortgage provider is CMG Financial. The cheapest VA mortgage provider is Navy Federal Credit Union. Note that as a consumer advocate we always recommend shopping among several of our top ranked lenders in order to get the best rates and fees.

Ranking of Mortgage Lenders in Bakersfield, CA

Mortgage Type:
Purchase/Refinance:
Lender NameRate DifferenceRate RatingMarket Share
Golden Empire Mortgage-0.45%(5.0)5.08%
Homeowners Financial Group-0.39%(5.0)1.04%
Valley Strong Credit Union-0.21%(4.5)4.97%
Castle & Cooke Mortgage-0.18%(4.5)1.89%
Essex Mortgage-0.16%(4.5)0.55%
DHI Mortgage Company Limited-0.13%(4.0)0.70%
Bank of America-0.13%(4.0)2.26%
Home Point Financial Corporation-0.12%(4.0)1.69%
Nations Lending Corporation-0.10%(4.0)1.03%
Guild Mortgage Company-0.09%(4.0)4.92%
CMG Financial-0.08%(4.0)2.63%
Amerisave Mortgage Corporation-0.08%(4.0)0.50%
Provident Funding-0.07%(4.0)0.53%
Safe 1 Credit Union-0.04%(3.5)0.43%
US Bank-0.04%(3.5)0.67%
Union Bank-0.00%(3.5)0.55%
Logix Federal Credit Union-0.00%(3.5)0.29%
Interactive Mortgage0.00%(3.5)0.28%
CashCall Mortgage0.00%(3.5)0.35%
Cornerstone Home Lending0.01%(3.5)0.35%
JPMorgan Chase Bank0.01%(3.5)1.48%
American Pacific Mortgage0.01%(3.5)2.07%
Plaza Home Mortgage0.01%(3.5)0.32%
USAA0.01%(3.5)0.92%
PennyMac Loan Services0.02%(3.5)1.57%
Eagle Home Mortgage0.03%(3.5)1.06%
Navy Federal Credit Union0.04%(3.5)1.38%
Flagstar Bank0.04%(3.5)1.13%
HomeBridge Financial Services0.04%(3.5)1.02%
Augusta Financial0.05%(3.5)0.28%
Academy Mortgage Corporation Utah0.05%(3.5)0.32%
Platinum Home Mortgage Corporation0.05%(3.5)2.63%
loanDepot0.05%(3.0)6.72%
Wells Fargo Bank0.05%(3.0)3.92%
NewRez0.05%(3.0)0.43%
Caliber Home Loans0.05%(3.0)3.33%
Nations Direct Mortgage0.06%(3.0)0.29%
K. Hovnanian American Mortgage0.06%(3.0)0.43%
Carrington Mortgage Services0.06%(3.0)1.19%
The Money Store0.07%(3.0)0.57%
New American Funding0.07%(3.0)2.31%
Stearns Home Loans0.07%(3.0)0.79%
Lakeview Loan Servicing0.08%(3.0)0.31%
Finance of America Mortgage0.09%(3.0)1.64%
Quicken Loans0.09%(3.0)9.68%
Mountain West Financial0.09%(3.0)0.88%
FBC Mortgage0.09%(3.0)0.86%
PrimeLending0.09%(3.0)0.35%
PRMG Mortgage0.09%(3.0)0.90%
Fairway Independent Mortgage Corporation0.10%(3.0)0.69%
Dignified Home Loans0.10%(3.0)4.23%
Sierra Pacific Mortgage0.11%(3.0)7.13%
DAS Acquisition Company0.12%(3.0)0.76%
Freedom Mortgage Corporation0.12%(3.0)1.58%
On Q Financial0.13%(3.0)0.96%
TIAA Bank0.13%(3.0)0.28%
MiMutual Mortgage0.15%(3.0)1.57%
Movement Mortgage0.15%(3.0)0.52%
Panorama Mortgage Group0.23%(2.5)0.61%
Mr. Cooper0.24%(2.5)1.48%
NewDay USA0.36%(1.5)0.28%
Self-Help Federal Credit Union0.42%(1.5)0.43%
Lender NameRate DifferenceRate RatingMarket Share
Golden Empire Mortgage-0.50%(5.0)7.29%
Homeowners Financial Group-0.37%(5.0)1.70%
Bank of America-0.23%(4.5)1.67%
Valley Strong Credit Union-0.20%(4.5)1.88%
Castle & Cooke Mortgage-0.17%(4.5)2.92%
Nations Lending Corporation-0.16%(4.5)1.18%
Essex Mortgage-0.14%(4.0)0.88%
Home Point Financial Corporation-0.14%(4.0)1.83%
DHI Mortgage Company Limited-0.11%(4.0)1.16%
Guild Mortgage Company-0.10%(4.0)6.02%
CMG Financial-0.07%(4.0)3.54%
US Bank-0.06%(4.0)0.71%
JPMorgan Chase Bank-0.05%(3.5)1.24%
Wells Fargo Bank-0.04%(3.5)3.04%
Provident Funding-0.02%(3.5)0.16%
Union Bank0.00%(3.5)0.46%
Logix Federal Credit Union0.01%(3.5)0.27%
HomeBridge Financial Services0.02%(3.5)0.97%
Freedom Mortgage Corporation0.03%(3.5)0.97%
Cornerstone Home Lending0.03%(3.5)0.53%
USAA0.03%(3.5)1.03%
PennyMac Loan Services0.04%(3.5)0.27%
Safe 1 Credit Union0.05%(3.0)0.13%
Plaza Home Mortgage0.05%(3.0)0.34%
American Pacific Mortgage0.05%(3.0)2.18%
Eagle Home Mortgage0.05%(3.0)1.68%
Navy Federal Credit Union0.06%(3.0)1.85%
NewRez0.06%(3.0)0.17%
CashCall Mortgage0.06%(3.0)0.03%
Academy Mortgage Corporation Utah0.07%(3.0)0.44%
Quicken Loans0.07%(3.0)3.80%
Flagstar Bank0.07%(3.0)0.71%
Augusta Financial0.07%(3.0)0.33%
Platinum Home Mortgage Corporation0.08%(3.0)3.58%
Caliber Home Loans0.08%(3.0)3.41%
Amerisave Mortgage Corporation0.08%(3.0)0.03%
K. Hovnanian American Mortgage0.09%(3.0)0.71%
Stearns Home Loans0.09%(3.0)1.04%
The Money Store0.10%(3.0)0.76%
Carrington Mortgage Services0.10%(3.0)0.24%
Nations Direct Mortgage0.11%(3.0)0.24%
New American Funding0.11%(3.0)2.70%
NewDay USA0.11%(3.0)0.04%
Finance of America Mortgage0.12%(3.0)2.18%
Mountain West Financial0.12%(3.0)1.27%
FBC Mortgage0.12%(3.0)1.30%
PrimeLending0.12%(3.0)0.37%
Mr. Cooper0.12%(3.0)0.47%
loanDepot0.13%(3.0)6.41%
Dignified Home Loans0.13%(3.0)5.29%
PRMG Mortgage0.13%(3.0)1.17%
Fairway Independent Mortgage Corporation0.13%(3.0)0.94%
Sierra Pacific Mortgage0.15%(3.0)9.29%
DAS Acquisition Company0.15%(3.0)1.13%
MiMutual Mortgage0.16%(2.5)1.94%
On Q Financial0.17%(2.5)1.40%
TIAA Bank0.18%(2.5)0.39%
Movement Mortgage0.19%(2.5)0.74%
Panorama Mortgage Group0.26%(2.0)0.93%
Self-Help Federal Credit Union0.48%(1.0)0.64%
Lender NameRate DifferenceRate RatingMarket Share
Valley Strong Credit Union-0.25%(5.0)9.73%
Amerisave Mortgage Corporation-0.12%(4.0)1.23%
Provident Funding-0.12%(4.0)1.10%
Safe 1 Credit Union-0.09%(4.0)0.90%
Bank of America-0.07%(4.0)3.16%
Home Point Financial Corporation-0.07%(4.0)1.47%
American Pacific Mortgage-0.06%(4.0)1.89%
loanDepot-0.06%(4.0)7.20%
Plaza Home Mortgage-0.06%(4.0)0.29%
CMG Financial-0.05%(3.5)1.23%
CashCall Mortgage-0.04%(3.5)0.86%
Interactive Mortgage-0.04%(3.5)0.70%
Logix Federal Credit Union-0.03%(3.5)0.31%
Union Bank-0.02%(3.5)0.70%
On Q Financial-0.02%(3.5)0.29%
Guild Mortgage Company-0.02%(3.5)3.23%
PennyMac Loan Services-0.02%(3.5)3.58%
Platinum Home Mortgage Corporation-0.02%(3.5)1.16%
USAA-0.02%(3.5)0.75%
Nations Direct Mortgage-0.01%(3.5)0.35%
TIAA Bank-0.01%(3.5)0.11%
Flagstar Bank-0.01%(3.5)1.78%
New American Funding-0.00%(3.5)1.71%
Eagle Home Mortgage-0.00%(3.5)0.09%
Caliber Home Loans0.01%(3.5)3.21%
Augusta Financial0.01%(3.5)0.20%
Cornerstone Home Lending0.01%(3.5)0.09%
Movement Mortgage0.01%(3.5)0.18%
Castle & Cooke Mortgage0.01%(3.5)0.29%
Homeowners Financial Group0.01%(3.5)0.02%
US Bank0.01%(3.5)0.59%
Navy Federal Credit Union0.01%(3.5)0.66%
PRMG Mortgage0.01%(3.5)0.48%
NewRez0.02%(3.5)0.83%
The Money Store0.02%(3.5)0.29%
FBC Mortgage0.02%(3.5)0.18%
Essex Mortgage0.02%(3.5)0.04%
Carrington Mortgage Services0.02%(3.5)2.66%
Finance of America Mortgage0.02%(3.5)0.81%
DAS Acquisition Company0.03%(3.5)0.20%
Golden Empire Mortgage0.03%(3.5)1.67%
Mountain West Financial0.03%(3.5)0.29%
Lakeview Loan Servicing0.04%(3.5)0.79%
Fairway Independent Mortgage Corporation0.04%(3.5)0.31%
PrimeLending0.05%(3.5)0.33%
Sierra Pacific Mortgage0.05%(3.5)3.80%
Nations Lending Corporation0.05%(3.5)0.79%
JPMorgan Chase Bank0.06%(3.0)1.84%
Dignified Home Loans0.06%(3.0)2.59%
Academy Mortgage Corporation Utah0.06%(3.0)0.13%
Quicken Loans0.06%(3.0)18.73%
Stearns Home Loans0.06%(3.0)0.40%
Panorama Mortgage Group0.07%(3.0)0.11%
HomeBridge Financial Services0.07%(3.0)1.10%
Self-Help Federal Credit Union0.08%(3.0)0.11%
Wells Fargo Bank0.12%(3.0)5.27%
MiMutual Mortgage0.14%(3.0)1.01%
Freedom Mortgage Corporation0.15%(3.0)2.53%
Mr. Cooper0.23%(2.5)3.03%
NewDay USA0.35%(2.0)0.64%
Lender NameRate DifferenceRate RatingMarket Share
Golden Empire Mortgage-0.85%(5.0)4.78%
Homeowners Financial Group-0.71%(5.0)0.96%
Essex Mortgage-0.34%(5.0)0.45%
Castle & Cooke Mortgage-0.31%(5.0)2.01%
Valley Strong Credit Union-0.18%(4.5)8.04%
Guild Mortgage Company-0.15%(4.5)4.33%
Home Point Financial Corporation-0.15%(4.5)0.89%
Bank of America-0.11%(4.0)3.20%
Nations Lending Corporation-0.11%(4.0)0.85%
DHI Mortgage Company Limited-0.10%(4.0)0.41%
Amerisave Mortgage Corporation-0.10%(4.0)0.57%
Provident Funding-0.04%(3.5)0.84%
US Bank-0.02%(3.5)0.88%
Safe 1 Credit Union-0.00%(3.5)0.70%
Platinum Home Mortgage Corporation0.02%(3.5)2.56%
Union Bank0.02%(3.5)0.68%
CMG Financial0.02%(3.5)1.89%
loanDepot0.02%(3.5)6.36%
HomeBridge Financial Services0.03%(3.5)0.81%
Logix Federal Credit Union0.03%(3.5)0.45%
CashCall Mortgage0.03%(3.5)0.53%
Interactive Mortgage0.03%(3.5)0.36%
American Pacific Mortgage0.04%(3.5)2.12%
JPMorgan Chase Bank0.04%(3.5)2.22%
Cornerstone Home Lending0.04%(3.5)0.34%
Academy Mortgage Corporation Utah0.05%(3.5)0.32%
K. Hovnanian American Mortgage0.05%(3.5)0.18%
USAA0.06%(3.0)0.39%
Eagle Home Mortgage0.06%(3.0)1.03%
Flagstar Bank0.07%(3.0)1.15%
Augusta Financial0.07%(3.0)0.18%
New American Funding0.08%(3.0)1.78%
Wells Fargo Bank0.09%(3.0)5.87%
Lakeview Loan Servicing0.09%(3.0)0.08%
Carrington Mortgage Services0.09%(3.0)0.55%
Nations Direct Mortgage0.09%(3.0)0.20%
NewRez0.09%(3.0)0.53%
Fairway Independent Mortgage Corporation0.10%(3.0)0.64%
The Money Store0.11%(3.0)0.70%
Finance of America Mortgage0.11%(3.0)1.89%
Quicken Loans0.12%(3.0)11.88%
Stearns Home Loans0.12%(3.0)0.50%
PrimeLending0.13%(3.0)0.50%
Caliber Home Loans0.14%(3.0)3.01%
Plaza Home Mortgage0.14%(3.0)0.14%
PennyMac Loan Services0.14%(3.0)0.82%
DAS Acquisition Company0.14%(3.0)0.59%
Dignified Home Loans0.14%(3.0)4.18%
PRMG Mortgage0.16%(2.5)0.55%
On Q Financial0.16%(2.5)1.08%
TIAA Bank0.17%(2.5)0.45%
Movement Mortgage0.17%(2.5)0.39%
FBC Mortgage0.17%(2.5)0.45%
Freedom Mortgage Corporation0.19%(2.5)0.87%
Mountain West Financial0.21%(2.5)0.49%
Sierra Pacific Mortgage0.22%(2.5)6.51%
Panorama Mortgage Group0.23%(2.5)0.55%
MiMutual Mortgage0.28%(2.0)1.29%
Navy Federal Credit Union0.29%(2.0)1.08%
Mr. Cooper0.35%(1.5)1.26%
Self-Help Federal Credit Union0.45%(1.0)0.70%
Lender NameRate DifferenceRate RatingMarket Share
Golden Empire Mortgage-0.98%(5.0)7.32%
Homeowners Financial Group-0.65%(5.0)1.77%
Essex Mortgage-0.30%(5.0)0.79%
Castle & Cooke Mortgage-0.28%(5.0)3.48%
Bank of America-0.23%(4.5)2.28%
Guild Mortgage Company-0.20%(4.5)5.86%
Home Point Financial Corporation-0.18%(4.5)1.15%
Nations Lending Corporation-0.15%(4.5)1.07%
Valley Strong Credit Union-0.14%(4.0)3.38%
DHI Mortgage Company Limited-0.05%(3.5)0.74%
US Bank-0.02%(3.5)1.05%
JPMorgan Chase Bank-0.00%(3.5)2.05%
Wells Fargo Bank0.01%(3.5)4.89%
Provident Funding0.04%(3.5)0.28%
Union Bank0.04%(3.5)0.56%
HomeBridge Financial Services0.06%(3.0)1.05%
Platinum Home Mortgage Corporation0.06%(3.0)3.63%
Academy Mortgage Corporation Utah0.07%(3.0)0.44%
Logix Federal Credit Union0.07%(3.0)0.49%
CMG Financial0.08%(3.0)2.48%
Cornerstone Home Lending0.09%(3.0)0.54%
K. Hovnanian American Mortgage0.10%(3.0)0.33%
PennyMac Loan Services0.11%(3.0)0.28%
USAA0.11%(3.0)0.49%
Safe 1 Credit Union0.11%(3.0)0.23%
American Pacific Mortgage0.11%(3.0)2.56%
Eagle Home Mortgage0.12%(3.0)1.79%
CashCall Mortgage0.12%(3.0)0.05%
Augusta Financial0.12%(3.0)0.26%
Freedom Mortgage Corporation0.13%(3.0)0.54%
Flagstar Bank0.13%(3.0)0.69%
Quicken Loans0.13%(3.0)4.96%
loanDepot0.13%(3.0)5.86%
NewRez0.14%(3.0)0.15%
New American Funding0.14%(3.0)2.23%
Amerisave Mortgage Corporation0.14%(3.0)0.05%
Fairway Independent Mortgage Corporation0.14%(3.0)0.92%
Carrington Mortgage Services0.15%(2.5)0.28%
Nations Direct Mortgage0.16%(2.5)0.18%
The Money Store0.16%(2.5)0.97%
Stearns Home Loans0.17%(2.5)0.61%
Finance of America Mortgage0.17%(2.5)2.74%
Mr. Cooper0.18%(2.5)0.13%
PrimeLending0.19%(2.5)0.54%
Dignified Home Loans0.20%(2.5)5.22%
Plaza Home Mortgage0.20%(2.5)0.20%
Caliber Home Loans0.20%(2.5)3.33%
DAS Acquisition Company0.20%(2.5)0.84%
FBC Mortgage0.24%(2.5)0.72%
Movement Mortgage0.24%(2.5)0.61%
On Q Financial0.24%(2.5)1.66%
TIAA Bank0.24%(2.5)0.69%
PRMG Mortgage0.26%(2.0)0.64%
Panorama Mortgage Group0.30%(2.0)0.87%
Mountain West Financial0.30%(2.0)0.64%
Sierra Pacific Mortgage0.32%(2.0)8.19%
MiMutual Mortgage0.33%(2.0)1.54%
Navy Federal Credit Union0.38%(1.5)1.56%
Self-Help Federal Credit Union0.54%(1.0)1.15%
Lender NameRate DifferenceRate RatingMarket Share
Valley Strong Credit Union-0.24%(4.5)13.65%
Amerisave Mortgage Corporation-0.17%(4.5)1.20%
Provident Funding-0.11%(4.0)1.51%
loanDepot-0.09%(4.0)6.96%
Safe 1 Credit Union-0.08%(4.0)1.26%
American Pacific Mortgage-0.07%(4.0)1.60%
Bank of America-0.07%(4.0)4.31%
CMG Financial-0.05%(4.0)1.17%
CashCall Mortgage-0.04%(3.5)1.11%
Home Point Financial Corporation-0.03%(3.5)0.59%
Interactive Mortgage-0.03%(3.5)0.80%
Platinum Home Mortgage Corporation-0.03%(3.5)1.26%
Union Bank-0.02%(3.5)0.83%
Logix Federal Credit Union-0.02%(3.5)0.40%
On Q Financial-0.02%(3.5)0.37%
New American Funding-0.00%(3.5)1.23%
TIAA Bank-0.00%(3.5)0.15%
Movement Mortgage0.00%(3.5)0.12%
Flagstar Bank0.00%(3.5)1.69%
HomeBridge Financial Services0.00%(3.5)0.52%
Eagle Home Mortgage0.01%(3.5)0.12%
Nations Direct Mortgage0.01%(3.5)0.22%
Cornerstone Home Lending0.01%(3.5)0.09%
USAA0.02%(3.5)0.28%
Plaza Home Mortgage0.02%(3.5)0.06%
Augusta Financial0.02%(3.5)0.09%
PRMG Mortgage0.02%(3.5)0.43%
US Bank0.02%(3.5)0.68%
Lakeview Loan Servicing0.02%(3.5)0.18%
Carrington Mortgage Services0.02%(3.5)0.86%
Golden Empire Mortgage0.02%(3.5)1.73%
The Money Store0.02%(3.5)0.37%
Castle & Cooke Mortgage0.03%(3.5)0.25%
NewRez0.03%(3.5)0.99%
Finance of America Mortgage0.03%(3.5)0.86%
Essex Mortgage0.04%(3.5)0.03%
DAS Acquisition Company0.04%(3.5)0.28%
Caliber Home Loans0.05%(3.5)2.62%
Navy Federal Credit Union0.05%(3.0)0.49%
FBC Mortgage0.05%(3.0)0.12%
Mountain West Financial0.05%(3.0)0.31%
Nations Lending Corporation0.05%(3.0)0.59%
Fairway Independent Mortgage Corporation0.05%(3.0)0.31%
PrimeLending0.05%(3.0)0.46%
Guild Mortgage Company0.06%(3.0)2.50%
Sierra Pacific Mortgage0.06%(3.0)4.50%
JPMorgan Chase Bank0.07%(3.0)2.43%
Academy Mortgage Corporation Utah0.07%(3.0)0.18%
Dignified Home Loans0.07%(3.0)2.93%
Quicken Loans0.07%(3.0)20.21%
Panorama Mortgage Group0.08%(3.0)0.15%
Self-Help Federal Credit Union0.08%(3.0)0.15%
Stearns Home Loans0.09%(3.0)0.37%
PennyMac Loan Services0.09%(3.0)1.48%
Wells Fargo Bank0.13%(3.0)7.05%
Freedom Mortgage Corporation0.18%(2.5)1.26%
MiMutual Mortgage0.21%(2.5)0.99%
Mr. Cooper0.30%(2.0)2.62%
Lender NameRate DifferenceRate RatingMarket Share
CMG Financial-0.24%(4.5)4.26%
DHI Mortgage Company Limited-0.21%(4.5)1.20%
Bank of America-0.20%(4.5)0.60%
Home Point Financial Corporation-0.17%(4.5)2.91%
Nations Lending Corporation-0.15%(4.0)1.55%
Caliber Home Loans-0.08%(4.0)3.54%
Plaza Home Mortgage-0.08%(4.0)0.38%
Sierra Pacific Mortgage-0.06%(4.0)9.67%
Interactive Mortgage-0.05%(4.0)0.16%
PennyMac Loan Services-0.05%(3.5)1.55%
Cornerstone Home Lending-0.05%(3.5)0.54%
Eagle Home Mortgage-0.04%(3.5)1.23%
Navy Federal Credit Union-0.04%(3.5)0.19%
Carrington Mortgage Services-0.04%(3.5)2.12%
American Pacific Mortgage-0.03%(3.5)1.90%
NewRez-0.03%(3.5)0.22%
MiMutual Mortgage-0.03%(3.5)2.24%
Nations Direct Mortgage-0.03%(3.5)0.25%
Flagstar Bank-0.03%(3.5)0.60%
Union Bank-0.03%(3.5)0.38%
Amerisave Mortgage Corporation-0.01%(3.5)0.38%
US Bank-0.01%(3.5)0.19%
Mountain West Financial-0.01%(3.5)1.99%
CashCall Mortgage-0.01%(3.5)0.06%
The Money Store-0.01%(3.5)0.44%
Provident Funding-0.01%(3.5)0.03%
Augusta Financial-0.00%(3.5)0.28%
Essex Mortgage0.00%(3.5)0.95%
Quicken Loans0.00%(3.5)6.10%
Guild Mortgage Company0.01%(3.5)5.69%
Stearns Home Loans0.01%(3.5)1.39%
Wells Fargo Bank0.01%(3.5)0.13%
FBC Mortgage0.01%(3.5)1.93%
Freedom Mortgage Corporation0.01%(3.5)2.75%
PRMG Mortgage0.02%(3.5)1.64%
K. Hovnanian American Mortgage0.03%(3.5)1.04%
Homeowners Financial Group0.03%(3.5)1.48%
Academy Mortgage Corporation Utah0.03%(3.5)0.25%
Dignified Home Loans0.03%(3.5)4.04%
PrimeLending0.03%(3.5)0.09%
New American Funding0.03%(3.5)3.82%
JPMorgan Chase Bank0.04%(3.5)0.09%
HomeBridge Financial Services0.05%(3.5)1.45%
On Q Financial0.06%(3.0)0.54%
Lakeview Loan Servicing0.06%(3.0)0.51%
Finance of America Mortgage0.07%(3.0)1.11%
DAS Acquisition Company0.07%(3.0)1.39%
Mr. Cooper0.09%(3.0)1.71%
loanDepot0.09%(3.0)7.74%
Castle & Cooke Mortgage0.10%(3.0)2.02%
Fairway Independent Mortgage Corporation0.10%(3.0)0.85%
Platinum Home Mortgage Corporation0.11%(3.0)3.44%
Golden Empire Mortgage0.11%(3.0)7.30%
Movement Mortgage0.14%(3.0)0.76%
Panorama Mortgage Group0.21%(2.5)0.95%
Lender NameRate DifferenceRate RatingMarket Share
CMG Financial-0.25%(4.5)5.09%
DHI Mortgage Company Limited-0.21%(4.5)1.55%
Bank of America-0.20%(4.5)0.77%
Nations Lending Corporation-0.20%(4.5)1.59%
Home Point Financial Corporation-0.18%(4.5)3.05%
Plaza Home Mortgage-0.08%(4.0)0.45%
Caliber Home Loans-0.08%(4.0)3.70%
Freedom Mortgage Corporation-0.07%(4.0)1.71%
PennyMac Loan Services-0.06%(4.0)0.20%
Sierra Pacific Mortgage-0.05%(4.0)11.92%
Cornerstone Home Lending-0.05%(3.5)0.65%
Navy Federal Credit Union-0.05%(3.5)0.20%
NewRez-0.04%(3.5)0.20%
Eagle Home Mortgage-0.04%(3.5)1.59%
Union Bank-0.04%(3.5)0.33%
HomeBridge Financial Services-0.04%(3.5)0.77%
American Pacific Mortgage-0.03%(3.5)1.63%
Flagstar Bank-0.02%(3.5)0.65%
MiMutual Mortgage-0.02%(3.5)2.56%
Quicken Loans-0.02%(3.5)1.99%
US Bank-0.01%(3.5)0.16%
Mr. Cooper-0.01%(3.5)0.49%
Mountain West Financial-0.01%(3.5)2.48%
The Money Store-0.00%(3.5)0.57%
Essex Mortgage0.00%(3.5)1.18%
Augusta Financial0.01%(3.5)0.16%
Nations Direct Mortgage0.01%(3.5)0.16%
Stearns Home Loans0.01%(3.5)1.75%
Wells Fargo Bank0.01%(3.5)0.16%
FBC Mortgage0.02%(3.5)2.32%
PRMG Mortgage0.02%(3.5)1.91%
K. Hovnanian American Mortgage0.03%(3.5)1.34%
Homeowners Financial Group0.03%(3.5)1.87%
Academy Mortgage Corporation Utah0.03%(3.5)0.33%
Dignified Home Loans0.03%(3.5)4.80%
Carrington Mortgage Services0.03%(3.5)0.20%
PrimeLending0.04%(3.5)0.12%
Guild Mortgage Company0.04%(3.5)5.94%
JPMorgan Chase Bank0.04%(3.5)0.08%
New American Funding0.06%(3.0)3.78%
On Q Financial0.07%(3.0)0.65%
DAS Acquisition Company0.07%(3.0)1.79%
Finance of America Mortgage0.09%(3.0)1.22%
loanDepot0.10%(3.0)7.73%
Castle & Cooke Mortgage0.11%(3.0)2.44%
Golden Empire Mortgage0.11%(3.0)8.71%
Platinum Home Mortgage Corporation0.11%(3.0)4.03%
Fairway Independent Mortgage Corporation0.12%(3.0)0.94%
Movement Mortgage0.16%(2.5)0.85%
Panorama Mortgage Group0.22%(2.5)1.22%
Lender NameRate DifferenceRate RatingMarket Share
Guild Mortgage Company-0.13%(4.0)4.80%
Caliber Home Loans-0.10%(4.0)2.97%
Home Point Financial Corporation-0.10%(4.0)2.40%
CMG Financial-0.07%(4.0)1.41%
Nations Direct Mortgage-0.07%(4.0)0.56%
Interactive Mortgage-0.06%(4.0)0.71%
PennyMac Loan Services-0.06%(4.0)6.21%
Carrington Mortgage Services-0.05%(4.0)8.76%
MiMutual Mortgage-0.04%(3.5)1.13%
American Pacific Mortgage-0.04%(3.5)2.82%
New American Funding-0.04%(3.5)3.95%
Sierra Pacific Mortgage-0.04%(3.5)1.84%
Flagstar Bank-0.03%(3.5)0.42%
Castle & Cooke Mortgage-0.03%(3.5)0.56%
FBC Mortgage-0.03%(3.5)0.56%
Amerisave Mortgage Corporation-0.02%(3.5)1.69%
Augusta Financial-0.02%(3.5)0.71%
CashCall Mortgage-0.02%(3.5)0.28%
Mountain West Financial-0.02%(3.5)0.28%
US Bank-0.02%(3.5)0.28%
NewRez-0.02%(3.5)0.28%
Stearns Home Loans-0.02%(3.5)0.14%
Provident Funding-0.01%(3.5)0.14%
Homeowners Financial Group-0.01%(3.5)0.14%
Finance of America Mortgage-0.01%(3.5)0.71%
Essex Mortgage-0.01%(3.5)0.14%
Cornerstone Home Lending-0.01%(3.5)0.14%
On Q Financial-0.01%(3.5)0.14%
Union Bank-0.00%(3.5)0.56%
Plaza Home Mortgage-0.00%(3.5)0.14%
Quicken Loans0.00%(3.5)20.34%
Navy Federal Credit Union0.00%(3.5)0.14%
Movement Mortgage0.00%(3.5)0.42%
Fairway Independent Mortgage Corporation0.01%(3.5)0.56%
JPMorgan Chase Bank0.02%(3.5)0.14%
Dignified Home Loans0.02%(3.5)1.41%
PRMG Mortgage0.02%(3.5)0.71%
Nations Lending Corporation0.03%(3.5)1.41%
Platinum Home Mortgage Corporation0.04%(3.5)1.41%
Lakeview Loan Servicing0.05%(3.0)2.26%
Golden Empire Mortgage0.06%(3.0)2.40%
loanDepot0.08%(3.0)7.77%
Freedom Mortgage Corporation0.09%(3.0)6.36%
HomeBridge Financial Services0.10%(3.0)3.81%
Mr. Cooper0.11%(3.0)5.93%
Lender NameRate DifferenceRate RatingMarket Share
Wells Fargo Bank-0.03%(3.5)26.09%
US Bank-0.01%(3.5)7.25%
Bank of America-0.01%(3.5)15.94%
Logix Federal Credit Union0.00%(3.5)1.45%
American Pacific Mortgage0.00%(3.5)5.80%
Platinum Home Mortgage Corporation0.00%(3.5)1.45%
Essex Mortgage0.00%(3.5)1.45%
Guild Mortgage Company0.01%(3.5)1.45%
Quicken Loans0.01%(3.5)1.45%
Union Bank0.01%(3.5)1.45%
JPMorgan Chase Bank0.01%(3.5)10.14%
Dignified Home Loans0.02%(3.5)1.45%
Caliber Home Loans0.02%(3.5)5.80%
Sierra Pacific Mortgage0.02%(3.5)2.90%
Homeowners Financial Group0.02%(3.5)1.45%
Flagstar Bank0.03%(3.5)1.45%
CMG Financial0.03%(3.5)1.45%
loanDepot0.04%(3.5)11.59%
Lender NameRate DifferenceRate RatingMarket Share
Wells Fargo Bank-0.04%(3.5)27.78%
Bank of America-0.01%(3.5)19.44%
US Bank-0.01%(3.5)5.56%
American Pacific Mortgage-0.00%(3.5)2.78%
Essex Mortgage0.01%(3.5)2.78%
JPMorgan Chase Bank0.01%(3.5)8.33%
Guild Mortgage Company0.01%(3.5)2.78%
Union Bank0.02%(3.5)2.78%
Caliber Home Loans0.02%(3.5)8.33%
Homeowners Financial Group0.03%(3.5)2.78%
CMG Financial0.03%(3.5)2.78%
loanDepot0.06%(3.0)13.89%
Lender NameRate DifferenceRate RatingMarket Share
Wells Fargo Bank-0.02%(3.5)24.24%
US Bank-0.01%(3.5)9.09%
Logix Federal Credit Union-0.00%(3.5)3.03%
Bank of America-0.00%(3.5)12.12%
Platinum Home Mortgage Corporation0.00%(3.5)3.03%
American Pacific Mortgage0.00%(3.5)9.09%
Quicken Loans0.01%(3.5)3.03%
loanDepot0.01%(3.5)9.09%
JPMorgan Chase Bank0.01%(3.5)12.12%
Dignified Home Loans0.01%(3.5)3.03%
Sierra Pacific Mortgage0.02%(3.5)6.06%
Flagstar Bank0.02%(3.5)3.03%
Caliber Home Loans0.02%(3.5)3.03%
Lender NameRate DifferenceRate RatingMarket Share
Navy Federal Credit Union-0.23%(4.5)6.56%
DHI Mortgage Company Limited-0.12%(4.0)1.19%
PennyMac Loan Services-0.09%(4.0)6.31%
Guild Mortgage Company-0.08%(4.0)6.65%
Home Point Financial Corporation-0.07%(4.0)3.32%
Plaza Home Mortgage-0.07%(4.0)1.28%
USAA-0.04%(3.5)6.65%
Caliber Home Loans-0.03%(3.5)4.60%
American Pacific Mortgage-0.02%(3.5)1.96%
NewRez-0.02%(3.5)0.43%
CMG Financial-0.02%(3.5)2.81%
Wells Fargo Bank-0.02%(3.5)0.94%
PrimeLending-0.01%(3.5)0.17%
Flagstar Bank-0.01%(3.5)2.47%
US Bank-0.01%(3.5)0.26%
Mountain West Financial-0.00%(3.5)0.34%
Union Bank-0.00%(3.5)0.17%
CashCall Mortgage-0.00%(3.5)0.09%
Lakeview Loan Servicing-0.00%(3.5)1.19%
Interactive Mortgage-0.00%(3.5)0.09%
Essex Mortgage0.00%(3.5)0.09%
Finance of America Mortgage0.00%(3.5)1.71%
Augusta Financial0.00%(3.5)0.85%
Platinum Home Mortgage Corporation0.00%(3.5)0.94%
Bank of America0.00%(3.5)0.17%
HomeBridge Financial Services0.00%(3.5)1.19%
Movement Mortgage0.01%(3.5)0.68%
DAS Acquisition Company0.01%(3.5)0.17%
FBC Mortgage0.01%(3.5)0.51%
PRMG Mortgage0.01%(3.5)1.11%
Stearns Home Loans0.02%(3.5)0.94%
The Money Store0.02%(3.5)0.17%
K. Hovnanian American Mortgage0.02%(3.5)0.34%
Panorama Mortgage Group0.02%(3.5)0.09%
JPMorgan Chase Bank0.02%(3.5)0.17%
Amerisave Mortgage Corporation0.02%(3.5)0.43%
Nations Lending Corporation0.03%(3.5)0.77%
Castle & Cooke Mortgage0.03%(3.5)0.85%
Nations Direct Mortgage0.03%(3.5)0.94%
Eagle Home Mortgage0.03%(3.5)0.77%
Golden Empire Mortgage0.03%(3.5)1.19%
loanDepot0.03%(3.5)5.88%
Dignified Home Loans0.03%(3.5)5.20%
Sierra Pacific Mortgage0.06%(3.0)4.26%
Homeowners Financial Group0.06%(3.0)0.26%
Fairway Independent Mortgage Corporation0.06%(3.0)0.60%
MiMutual Mortgage0.07%(3.0)1.62%
On Q Financial0.07%(3.0)1.45%
Quicken Loans0.07%(3.0)6.39%
New American Funding0.09%(3.0)1.62%
Academy Mortgage Corporation Utah0.09%(3.0)0.51%
Mr. Cooper0.11%(3.0)2.30%
Carrington Mortgage Services0.12%(3.0)2.73%
Freedom Mortgage Corporation0.13%(3.0)2.90%
NewDay USA0.31%(2.0)2.73%
Lender NameRate DifferenceRate RatingMarket Share
Navy Federal Credit Union-0.26%(5.0)10.54%
DHI Mortgage Company Limited-0.11%(4.0)2.31%
USAA-0.03%(3.5)8.73%
Guild Mortgage Company-0.03%(3.5)7.58%
Wells Fargo Bank-0.03%(3.5)1.32%
Plaza Home Mortgage-0.03%(3.5)0.82%
PennyMac Loan Services-0.02%(3.5)0.49%
CMG Financial-0.01%(3.5)4.12%
Caliber Home Loans-0.01%(3.5)2.47%
Freedom Mortgage Corporation-0.01%(3.5)0.82%
PrimeLending-0.00%(3.5)0.33%
NewRez0.00%(3.5)0.16%
HomeBridge Financial Services0.01%(3.5)1.32%
Mountain West Financial0.01%(3.5)0.49%
US Bank0.01%(3.5)0.49%
Home Point Financial Corporation0.01%(3.5)1.32%
Finance of America Mortgage0.01%(3.5)2.64%
Platinum Home Mortgage Corporation0.01%(3.5)1.65%
Essex Mortgage0.01%(3.5)0.16%
Augusta Financial0.01%(3.5)1.48%
Nations Lending Corporation0.01%(3.5)0.33%
Bank of America0.02%(3.5)0.33%
Union Bank0.02%(3.5)0.16%
Stearns Home Loans0.02%(3.5)0.99%
Quicken Loans0.02%(3.5)3.79%
Movement Mortgage0.02%(3.5)1.15%
The Money Store0.02%(3.5)0.16%
DAS Acquisition Company0.02%(3.5)0.33%
FBC Mortgage0.03%(3.5)0.99%
K. Hovnanian American Mortgage0.03%(3.5)0.66%
Panorama Mortgage Group0.03%(3.5)0.16%
Carrington Mortgage Services0.03%(3.5)0.16%
JPMorgan Chase Bank0.03%(3.5)0.33%
PRMG Mortgage0.04%(3.5)1.65%
American Pacific Mortgage0.04%(3.5)1.98%
Eagle Home Mortgage0.04%(3.5)1.48%
Castle & Cooke Mortgage0.04%(3.5)1.48%
Dignified Home Loans0.05%(3.0)8.07%
Golden Empire Mortgage0.05%(3.0)1.81%
NewDay USA0.05%(3.0)0.49%
Flagstar Bank0.06%(3.0)1.15%
Homeowners Financial Group0.07%(3.0)0.49%
Nations Direct Mortgage0.08%(3.0)0.99%
Fairway Independent Mortgage Corporation0.08%(3.0)1.15%
Sierra Pacific Mortgage0.08%(3.0)6.26%
On Q Financial0.08%(3.0)2.80%
Academy Mortgage Corporation Utah0.10%(3.0)0.99%
Mr. Cooper0.10%(3.0)2.64%
MiMutual Mortgage0.10%(3.0)2.14%
New American Funding0.11%(3.0)1.48%
loanDepot0.19%(2.5)4.12%
Lender NameRate DifferenceRate RatingMarket Share
Guild Mortgage Company-0.13%(4.0)5.65%
Home Point Financial Corporation-0.11%(4.0)5.48%
PennyMac Loan Services-0.10%(4.0)12.54%
Plaza Home Mortgage-0.10%(4.0)1.77%
American Pacific Mortgage-0.08%(4.0)1.94%
loanDepot-0.06%(4.0)7.77%
USAA-0.05%(3.5)4.42%
Navy Federal Credit Union-0.04%(3.5)2.30%
Caliber Home Loans-0.04%(3.5)6.89%
Flagstar Bank-0.04%(3.5)3.89%
PRMG Mortgage-0.04%(3.5)0.53%
NewRez-0.04%(3.5)0.71%
Nations Direct Mortgage-0.02%(3.5)0.88%
Union Bank-0.02%(3.5)0.18%
CashCall Mortgage-0.01%(3.5)0.18%
Lakeview Loan Servicing-0.01%(3.5)2.47%
Interactive Mortgage-0.01%(3.5)0.18%
Castle & Cooke Mortgage-0.01%(3.5)0.18%
CMG Financial-0.01%(3.5)1.41%
Movement Mortgage-0.00%(3.5)0.18%
Golden Empire Mortgage-0.00%(3.5)0.53%
MiMutual Mortgage-0.00%(3.5)1.06%
Mountain West Financial-0.00%(3.5)0.18%
Augusta Financial-0.00%(3.5)0.18%
Platinum Home Mortgage Corporation0.00%(3.5)0.18%
Finance of America Mortgage0.00%(3.5)0.71%
Dignified Home Loans0.00%(3.5)2.12%
HomeBridge Financial Services0.01%(3.5)1.06%
Amerisave Mortgage Corporation0.01%(3.5)0.88%
The Money Store0.01%(3.5)0.18%
Sierra Pacific Mortgage0.02%(3.5)2.12%
Stearns Home Loans0.02%(3.5)0.88%
Nations Lending Corporation0.02%(3.5)1.24%
Wells Fargo Bank0.04%(3.5)0.53%
New American Funding0.06%(3.0)1.77%
Quicken Loans0.09%(3.0)9.19%
Carrington Mortgage Services0.11%(3.0)5.48%
Mr. Cooper0.11%(3.0)1.94%
Freedom Mortgage Corporation0.14%(3.0)5.12%
NewDay USA0.33%(2.0)5.12%

* Data is compiled for the Bakersfield, CA commuting zone area, which comprises of county of Kern County, CA. This includes cities/towns/communities of Bakersfield, CA as well as Rosedale, CA, Ridgecrest, CA, Oildale, CA, Rosamond, CA, Delano, CA, Mojave, CA, Shafter, CA, California City, CA, Bear Valley Springs, CA, Golden Hills, CA, Greenfield, CA, Tehachapi, CA, Pine Mountain Club, CA, Wasco, CA, Fuller Acres, CA, Taft, CA, Arvin, CA, Onyx, CA, Lake of the Woods, CA, McFarland, CA, Mountain Mesa, CA, Lake Isabella, CA, Lamont, CA, Buttonwillow, CA, Dustin Acres, CA, Ford City, CA, Keene, CA, Randsburg, CA, Boron, CA, Lost Hills, CA, and Smith Corner, CA. Lenders must have made at least 30 loans in the area to be included. Source of the data is Federal Financial Institutions Examination Council (FFIEC). Rate Difference (the average difference of interest rates relative to those of other lenders) were computed by subtracting the rate at origination from the average predicted rate conditional on the commuting zone, borrower LTV, DTI, Loan Amount, Loan Type, and Loan Purpose, and then regularized based on a Bayesian approach to account for smaller sample sizes. Above-average mortgage closing costs were then added to the rate difference at a rate of +0.15/point. Star ratings were determined in intervals of 0.10% in rate difference per half star.

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