BAKERSFIELD Mortgage Rates & Closing Costs
30yr Fixed Rate
15yr Fixed Rate
FHA
USDA
VA
5/1 ARM
30 Year Fixed Rate mortgages in Bakersfield averaged
7.23%
for the week of 2026-11-05, compared to the national average of
7.18% for the same period.
The average rate for the prior week (2026-10-29) was
7.29% and
one month ago for the week of 2026-10-01, the
average rate was 7.53%.
Bakersfield's average rate one year ago was 6.02%.
For refis of the same type during the week of 2026-11-05, the average rate
was 7.47%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2026-11-05 | 7.18% |
| Bakersfield 30 Year Fixed Rate | 2026-11-05 | 7.23% |
| Bakersfield 30 Year Fixed Rate Refi | 2026-11-05 | 7.47% |
| Bakersfield 15 Year Fixed Rate | 2026-11-05 | 6.58% |
| Bakersfield 15 Year Fixed Rate Refi | 2026-11-05 | 6.77% |
| Bakersfield 30 Year FHA | 2026-11-05 | 6.66% |
| Bakersfield 30 Year FHA Refi | 2026-11-05 | 6.74% |
| Bakersfield 30 Year USDA | 2026-11-05 | 7% |
| Bakersfield 30 Year USDA Refi | 2026-11-05 | 6.9% |
| Bakersfield 30 Year VA | 2026-11-05 | 6.67% |
| Bakersfield 30 Year VA Refi | 2026-11-05 | 6.1% |
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within BAKERSFIELD, CA.
BAKERSFIELD Top Lenders by Rates & Fees
The below table looks at the consensus average rates and fees provided by each lender, for only loans originated in the BAKERSFIELD, CA market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).
BAKERSFIELD Average Closing Costs & Other Stats
BAKERSFIELD, CA's 216 lenders originated 14,916
loans during 2025. The total origination value was $4,223,280,000, with an average loan value of
$283,138.
BAKERSFIELD's average closing costs are $7,288.
The top BAKERSFIELD lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with
622 loans originated. Their average total fees are
$10,044, which is $2,765
higher than the next largest lender,
QUICKEN LOANS, LLC.
The lowest fee BAKERSFIELD lenders (with over 10 loans originated) are
SAFE 1 CREDIT UNION ($2,891), Bank of America ($2,929), THE GOLDEN 1 ($3,149), SCHOOLSFIRST ($3,766) and DHI MORTGAGE COMPANY, LTD. ($3,870).
The lowest rate BAKERSFIELD lenders (with over 10 loans originated) are
K. HOVNANIAN AMERICAN MORTGAGE, L.L.C. (5.66%), EAGLE HOME MORTGAGE, LLC (5.75%), STRATA Credit Union (5.76%), DHI MORTGAGE COMPANY, LTD. (5.78%) and VALLEY STRONG CREDIT UNION (5.97%).
BAKERSFIELD, CA Mortgage Market Share & Volume
Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.
| Name | 2024 Loan Value | 2025 Loan Value | % Change | 2025 Market Share |
|---|---|---|---|---|
| UNITED WHOLESALE MORTGAGE, LLC | $593,365,000 | $608,580,000 | 2.6% | 14.4% |
| QUICKEN LOANS, LLC | $304,955,000 | $302,105,000 | -0.9% | 7.2% |
| EAGLE HOME MORTGAGE, LLC | $98,135,000 | $159,240,000 | 62.3% | 3.8% |
| Century Mortgage Company DBA Century Lending Company | $103,485,000 | $146,350,000 | 41.4% | 3.5% |
| MORIA DEVELOPMENT, INC. | $113,215,000 | $132,945,000 | 17.4% | 3.1% |
| VALLEY STRONG CREDIT UNION | $87,920,000 | $123,650,000 | 40.6% | 2.9% |
| Golden Empire Mortgage, Inc. | $117,010,000 | $123,550,000 | 5.6% | 2.9% |
| DHI MORTGAGE COMPANY, LTD. | $132,370,000 | $122,635,000 | -7.4% | 2.9% |
| FREEDOM MORTGAGE CORPORATION | $51,760,000 | $96,870,000 | 87.2% | 2.3% |
| OCMBC, INC. | $88,250,000 | $91,115,000 | 3.2% | 2.2% |
| LOANDEPOT.COM, LLC | $77,665,000 | $85,210,000 | 9.7% | 2.0% |
| Sierra Pacific Mortgage Company, Inc. | $96,330,000 | $77,065,000 | -20.0% | 1.8% |
| DIGNIFIED HOME LOANS, LLC | $61,840,000 | $72,870,000 | 17.8% | 1.7% |
| PENNYMAC LOAN SERVICES, LLC | $55,640,000 | $72,425,000 | 30.2% | 1.7% |
| K. HOVNANIAN AMERICAN MORTGAGE, L.L.C. | $43,075,000 | $57,550,000 | 33.6% | 1.4% |
| JPMorgan Chase Bank | $47,505,000 | $56,265,000 | 18.4% | 1.3% |
| Performance Financial, Inc. | $39,990,000 | $55,710,000 | 39.3% | 1.3% |
| Mortgage Research Center, LLC | $53,165,000 | $50,430,000 | -5.1% | 1.2% |
| The Loan Store, Inc. | $28,470,000 | $50,210,000 | 76.4% | 1.2% |
| Citizens Business Bank | $7,285,000 | $46,635,000 | 540.2% | 1.1% |
| CROSSCOUNTRY MORTGAGE, LLC | $40,570,000 | $46,300,000 | 14.1% | 1.1% |
| NEWREZ LLC | $36,585,000 | $45,650,000 | 24.8% | 1.1% |
| BROKER SOLUTIONS, INC. | $25,880,000 | $43,180,000 | 66.8% | 1.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $34,770,000 | $39,570,000 | 13.8% | 0.9% |
| NAVY FEDERAL CREDIT UNION | $28,695,000 | $38,410,000 | 33.9% | 0.9% |
| SAFE 1 CREDIT UNION | $19,975,000 | $30,305,000 | 51.7% | 0.7% |
| U.S. Bank | $39,160,000 | $29,640,000 | -24.3% | 0.7% |
| MLD MORTGAGE INC. | $31,245,000 | $29,185,000 | -6.6% | 0.7% |
| CMG MORTGAGE, INC. | $12,595,000 | $28,475,000 | 126.1% | 0.7% |
| Nations Lending Corporation | $25,625,000 | $28,440,000 | 11.0% | 0.7% |
| LENDINGHOME FUNDING CORPORATION | $26,450,000 | $26,650,000 | 0.8% | 0.6% |
| Mr. Cooper ( Nationstar Mortgage ) | $17,855,000 | $26,325,000 | 47.4% | 0.6% |
| JMAC LENDING, INC. | $25,580,000 | $26,265,000 | 2.7% | 0.6% |
| Bank of America | $20,330,000 | $26,065,000 | 28.2% | 0.6% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $23,510,000 | $25,730,000 | 9.4% | 0.6% |
| AMERICAN FINANCIAL NETWORK, INC. | $22,975,000 | $24,065,000 | 4.7% | 0.6% |
| Paramount Residential Mortgage Group, Inc. | $23,140,000 | $22,135,000 | -4.3% | 0.5% |
| ORIX REAL ESTATE CAPITAL, LLC | $22,085,000 | n/a | 0.5% | |
| STRATA Credit Union | $13,845,000 | $21,595,000 | 56.0% | 0.5% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $9,945,000 | $20,405,000 | 105.2% | 0.5% |
| GUILD MORTGAGE COMPANY | $20,655,000 | $20,390,000 | -1.3% | 0.5% |
| POINT Mortgage | $22,290,000 | $19,545,000 | -12.3% | 0.5% |
| Tri Counties Bank | $45,215,000 | $18,035,000 | -60.1% | 0.4% |
| MICHIGAN MUTUAL, INC. | $39,940,000 | $17,980,000 | -55.0% | 0.4% |
| EVERETT FINANCIAL, INC. | $6,655,000 | $17,190,000 | 158.3% | 0.4% |
| Equity Prime Mortgage LLC | $20,230,000 | $17,040,000 | -15.8% | 0.4% |
| Commerce Home Mortgage, Inc. | $7,135,000 | $16,670,000 | 133.6% | 0.4% |
| Hometown Equity Mortgage, LLC | $15,620,000 | $16,455,000 | 5.3% | 0.4% |
| VILLAGE CAPITAL MORTGAGE | $11,225,000 | $16,340,000 | 45.6% | 0.4% |
| ALAMEDA MORTGAGE CORPORATION | $11,815,000 | $15,755,000 | 33.3% | 0.4% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $12,920,000 | $15,700,000 | 21.5% | 0.4% |
| SUN WEST MORTGAGE COMPANY, INC. | $11,205,000 | $15,650,000 | 39.7% | 0.4% |
| AMWEST FUNDING CORP. | $13,260,000 | $15,355,000 | 15.8% | 0.4% |
| Wells Fargo Bank | $28,725,000 | $14,480,000 | -49.6% | 0.3% |
| UNION HOME MORTGAGE CORP. | $2,835,000 | $14,445,000 | 409.5% | 0.3% |
| DAS Acquisition Company, LLC | $25,470,000 | $14,025,000 | -44.9% | 0.3% |
| NEW WAVE LENDING GROUP INC | $7,370,000 | $13,760,000 | 86.7% | 0.3% |
| AMERITRUST MORTGAGE CORPORATION | $5,480,000 | $13,645,000 | 149.0% | 0.3% |
| GUARANTEED RATE, INC. | $13,430,000 | $13,600,000 | 1.3% | 0.3% |
| NEXERA HOLDING LLC | $4,105,000 | $12,655,000 | 208.3% | 0.3% |
| BETTER MORTGAGE CORPORATION | $3,585,000 | $12,430,000 | 246.7% | 0.3% |
| Figure Lending LLC | $10,520,000 | $12,260,000 | 16.5% | 0.3% |
| THE GOLDEN 1 | $2,910,000 | $12,245,000 | 320.8% | 0.3% |
| PLANET HOME LENDING, LLC | $17,490,000 | $11,510,000 | -34.2% | 0.3% |
| SPRING EQ, LLC | $4,445,000 | $11,125,000 | 150.3% | 0.3% |
| ZILLOW HOME LOANS, LLC | $3,980,000 | $10,825,000 | 172.0% | 0.3% |
| PLAZA HOME MORTGAGE, INC. | $13,060,000 | $10,705,000 | -18.0% | 0.3% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $4,460,000 | $10,640,000 | 138.6% | 0.3% |
| CASTLE & COOKE MORTGAGE, LLC | $9,850,000 | $10,235,000 | 3.9% | 0.2% |
| FIRST COLONY MORTGAGE CORPORATION | $5,950,000 | $10,105,000 | 69.8% | 0.2% |
| East West Bank | $15,010,000 | $10,005,000 | -33.3% | 0.2% |
| FBC MORTGAGE, LLC | $7,390,000 | $9,995,000 | 35.3% | 0.2% |
| Carrington Mortgage Services, LLC | $7,710,000 | $9,905,000 | 28.5% | 0.2% |
| AUGUSTA FINANCIAL, INC. | $9,325,000 | $9,895,000 | 6.1% | 0.2% |
| Merchants Mortgage & Trust Corporation | $3,430,000 | $9,455,000 | 175.7% | 0.2% |
| Pacific Premier Bank | $355,000 | $9,205,000 | 2,493.0% | 0.2% |
| NATIONS DIRECT MORTGAGE, LLC | $8,705,000 | $9,085,000 | 4.4% | 0.2% |
| LOANPAL, LLC | $9,010,000 | $8,835,000 | -1.9% | 0.2% |
| SCHOOLSFIRST | $10,175,000 | $8,535,000 | -16.1% | 0.2% |
| GEO-CORP, INC. | $7,270,000 | $8,065,000 | 10.9% | 0.2% |
| NMSI, INC. | $6,915,000 | $7,995,000 | 15.6% | 0.2% |
| CAMPOS FINANCIAL CORP. | $9,645,000 | $7,935,000 | -17.7% | 0.2% |
| Home Mortgage Alliance Corp | $4,635,000 | $7,520,000 | 62.2% | 0.2% |
| Citadel Servicing Corporation | $8,890,000 | $7,170,000 | -19.3% | 0.2% |
| PNC Bank | $28,080,000 | $7,155,000 | -74.5% | 0.2% |
| BMO Harris Bank | $5,870,000 | $7,010,000 | 19.4% | 0.2% |
| AMERISAVE MORTGAGE CORPORATION | $2,985,000 | $6,710,000 | 124.8% | 0.2% |
| Self-Help Federal Credit Union | $4,660,000 | $6,710,000 | 44.0% | 0.2% |
| LAKEVIEW LOAN SERVICING, LLC | $9,005,000 | $6,650,000 | -26.2% | 0.2% |
| USAA Federal Savings Bank | $9,315,000 | $6,365,000 | -31.7% | 0.2% |
| AMERICAN FINANCIAL RESOURCES, INC. | $2,930,000 | $6,240,000 | 113.0% | 0.1% |
| Coastal Community Bank | $4,390,000 | $6,070,000 | 38.3% | 0.1% |
| ML Mortgage Corp. | $4,630,000 | $5,990,000 | 29.4% | 0.1% |
| HOMEXPRESS MORTGAGE CORP. | $2,940,000 | $5,835,000 | 98.5% | 0.1% |
| NP, Inc. | $1,165,000 | $5,425,000 | 365.7% | 0.1% |
| CHEVRON | $4,430,000 | $5,225,000 | 17.9% | 0.1% |
| Firefighters First Federal Credit Union | $5,100,000 | $5,220,000 | 2.4% | 0.1% |
| AHL FUNDING | $4,930,000 | $5,215,000 | 5.8% | 0.1% |
| AmeriHome Mortgage Company, LLC | $2,025,000 | $5,210,000 | 157.3% | 0.1% |
| 21ST MORTGAGE CORPORATION | $7,425,000 | $5,060,000 | -31.9% | 0.1% |
| GENISYS | $5,020,000 | n/a | 0.1% | |
| LOGIX FEDERAL CREDIT UNION | $2,950,000 | $5,015,000 | 70.0% | 0.1% |
| TRIAD FINANCIAL SERVICES, INC. | $1,590,000 | $4,995,000 | 214.2% | 0.1% |
| PHH Mortgage Corporation | $1,285,000 | $4,805,000 | 273.9% | 0.1% |
| Franklin Loan Corporation | $5,835,000 | $4,700,000 | -19.5% | 0.1% |
| The Federal Savings Bank | $5,495,000 | $4,680,000 | -14.8% | 0.1% |
| V.I.P. MORTGAGE, INC. | $430,000 | $4,530,000 | 953.5% | 0.1% |
| A&D Mortgage LLC | $2,405,000 | $4,375,000 | 81.9% | 0.1% |
| ALLIANT CREDIT UNION | $3,960,000 | $4,325,000 | 9.2% | 0.1% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $9,115,000 | $4,000,000 | -56.1% | 0.1% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | $5,240,000 | $3,940,000 | -24.8% | 0.1% |
| VELOCITY COMMERCIAL CAPITAL, LLC | $2,665,000 | $3,880,000 | 45.6% | 0.1% |
| FIRST COMMUNITY MORTGAGE, INC. | $305,000 | $3,870,000 | 1,168.9% | 0.1% |
| NexBank | $2,915,000 | $3,805,000 | 30.5% | 0.1% |
| Logan Finance Corporation | $4,840,000 | $3,760,000 | -22.3% | 0.1% |
| Third Federal Savings and Loan Association of Cleveland | $2,880,000 | $3,610,000 | 25.3% | 0.1% |
| NEW DAY FINANCIAL, LLC | $3,180,000 | $3,605,000 | 13.4% | 0.1% |
| INTERNATIONAL CITY MORTGAGE, INC. | $4,920,000 | $3,595,000 | -26.9% | 0.1% |
| Morgan Stanley Private Bank | $2,365,000 | $3,550,000 | 50.1% | 0.1% |
| Prudential Huntoon Paige Associates, LLC | $7,235,000 | $3,515,000 | -51.4% | 0.1% |
| LONGBRIDGE FINANCIAL, LLC | $1,940,000 | $3,460,000 | 78.4% | 0.1% |
| Pacific Lending LLC | $4,555,000 | $3,420,000 | -24.9% | 0.1% |
| Citibank | $2,020,000 | $3,340,000 | 65.3% | 0.1% |
| FINANCE OF AMERICA REVERSE LLC | $4,575,000 | $3,340,000 | -27.0% | 0.1% |
| DEEPHAVEN MORTGAGE LLC | $4,245,000 | $3,275,000 | -22.9% | 0.1% |
| Greenbox Loans, Inc. | $1,465,000 | $3,275,000 | 123.5% | 0.1% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $3,600,000 | $3,265,000 | -9.3% | 0.1% |
| OAKTREE FUNDING CORP. | $2,335,000 | $3,200,000 | 37.0% | 0.1% |
| BM Real Estate Services, Inc. | $1,165,000 | $3,170,000 | 172.1% | 0.1% |
| MID AMERICA MORTGAGE, INC. | $1,665,000 | $2,975,000 | 78.7% | 0.1% |
| HOMESIDE FINANCIAL, LLC | $4,080,000 | $2,840,000 | -30.4% | 0.1% |
| LENDSURE MORTGAGE CORP. | $2,325,000 | $2,805,000 | 20.6% | 0.1% |
| Provident Savings Bank, F.S.B. | $715,000 | $2,800,000 | 291.6% | 0.1% |
| HighTechLending Inc | $2,175,000 | $2,795,000 | 28.5% | 0.1% |
| Luxury Mortgage Corp. | $4,410,000 | $2,755,000 | -37.5% | 0.1% |
| AMERICAN HERITAGE LENDING, INC. | $810,000 | $2,735,000 | 237.7% | 0.1% |
| Zions Bank | $655,000 | $2,690,000 | 310.7% | 0.1% |
| MOVEMENT MORTGAGE, LLC | $4,130,000 | $2,665,000 | -35.5% | 0.1% |
| FIRST TECHNOLOGY | $85,000 | $2,595,000 | 2,952.9% | 0.1% |
| TOWNE MORTGAGE COMPANY | $440,000 | $2,595,000 | 489.8% | 0.1% |
| LENOX FINANCIAL MORTGAGE CORPORATION | $185,000 | $2,570,000 | 1,289.2% | 0.1% |
| MORTGAGE MANAGEMENT CONSULTANTS, INC. | $3,050,000 | $2,495,000 | -18.2% | 0.1% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $5,575,000 | $2,465,000 | -55.8% | 0.1% |
| Magnolia Bank | $2,080,000 | $2,405,000 | 15.6% | 0.1% |
| ARC HOME LLC | $3,525,000 | $2,395,000 | -32.1% | 0.1% |
| INTELLILOAN, INC. | $2,795,000 | $2,330,000 | -16.6% | 0.1% |
| LANTZMAN MANAGEMENT, INC. | $1,080,000 | $2,330,000 | 115.7% | 0.1% |
| PANORAMA MORTGAGE GROUP, LLC | $1,470,000 | $2,280,000 | 55.1% | 0.1% |
| CLEARPATH LENDING | $1,380,000 | $2,135,000 | 54.7% | 0.1% |
| Flagstar Bank, FSB | $21,260,000 | $2,125,000 | -90.0% | 0.1% |
| VERITAS FUNDING, LLC | $1,425,000 | $2,080,000 | 46.0% | 0.0% |
| Truist | $1,820,000 | $2,065,000 | 13.5% | 0.0% |
| FOUNDATION MORTGAGE CORPORATION | $1,785,000 | $2,015,000 | 12.9% | 0.0% |
| WESCOM CENTRAL CREDIT UNION | $2,090,000 | $1,965,000 | -6.0% | 0.0% |
| Ameris Bank | $1,875,000 | $1,895,000 | 1.1% | 0.0% |
| Northwest Farm Credit Services, FLCA | $905,000 | $1,895,000 | 109.4% | 0.0% |
| QUORUM FEDERAL CREDIT UNION | $90,000 | $1,860,000 | 1,966.7% | 0.0% |
| NBKC BANK | $4,140,000 | $1,845,000 | -55.4% | 0.0% |
| AMERICAN FINANCING CORPORATION | $1,640,000 | $1,830,000 | 11.6% | 0.0% |
| BAY-VALLEY MORTGAGE GROUP | $5,285,000 | $1,830,000 | -65.4% | 0.0% |
| VISION ONE MORTGAGE, INC. | $550,000 | $1,825,000 | 231.8% | 0.0% |
| DATA MORTGAGE, INC. | $600,000 | $1,785,000 | 197.5% | 0.0% |
| First Federal Bank | $2,215,000 | $1,755,000 | -20.8% | 0.0% |
| TOP FLITE FINANCIAL, INC. | $940,000 | $1,690,000 | 79.8% | 0.0% |
| LAND HOME FINANCIAL SERVICES, INC. | $2,135,000 | $1,655,000 | -22.5% | 0.0% |
| RESIDENTIAL BANCORP | $5,040,000 | $1,650,000 | -67.3% | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | $1,795,000 | $1,630,000 | -9.2% | 0.0% |
| GENEVA FINANCIAL, LLC | $2,090,000 | $1,605,000 | -23.2% | 0.0% |
| First National Bank of America | $2,060,000 | $1,575,000 | -23.5% | 0.0% |
| VAL-CHRIS INVESTMENTS, INC. | $1,200,000 | $1,555,000 | 29.6% | 0.0% |
| COAST 2 COAST FUNDING GROUP, INC. | $1,670,000 | $1,550,000 | -7.2% | 0.0% |
| HomeTrust Bank | $930,000 | $1,545,000 | 66.1% | 0.0% |
| Mechanics Bank | $905,000 | $1,520,000 | 68.0% | 0.0% |
| S1L, Inc. | $3,490,000 | $1,485,000 | -57.4% | 0.0% |
| First Standard Financial Corp. | $1,155,000 | $1,450,000 | 25.5% | 0.0% |
| MORTGAGEONE, INC. | $710,000 | $1,415,000 | 99.3% | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | $2,565,000 | $1,410,000 | -45.0% | 0.0% |
| University Bank | $1,410,000 | n/a | 0.0% | |
| MORTGAGE CAPITAL PARTNERS, INC. | $1,625,000 | $1,400,000 | -13.8% | 0.0% |
| FARMERS INSURANCE GROUP FEDERAL CREDIT UNION | $285,000 | $1,390,000 | 387.7% | 0.0% |
| Educational Employees Credit Union | $1,385,000 | $1,370,000 | -1.1% | 0.0% |
| UNITED MORTGAGE CORP | $1,370,000 | n/a | 0.0% | |
| Plains Commerce Bank | $975,000 | $1,365,000 | 40.0% | 0.0% |
| ENCORE BANK | $1,300,000 | n/a | 0.0% | |
| F&A Federal Credit Union | $400,000 | $1,270,000 | 217.5% | 0.0% |
| ONY GLO, INC. | $2,080,000 | $1,245,000 | -40.1% | 0.0% |
| Barrington Bank & Trust Company, N.A. | $1,145,000 | $1,190,000 | 3.9% | 0.0% |
| City National Bank | $1,190,000 | n/a | 0.0% | |
| MORTGAGE 1 INCORPORATED | $2,605,000 | $1,190,000 | -54.3% | 0.0% |
| CENTRAL COAST LENDING, INC. | $1,175,000 | n/a | 0.0% | |
| LEADERONE FINANCIAL CORPORATION | $940,000 | $1,150,000 | 22.3% | 0.0% |
| JMJ FINANCIAL GROUP | $1,475,000 | $1,135,000 | -23.1% | 0.0% |
| MASON MCDUFFIE MORTGAGE CORPORATION | $1,410,000 | $1,130,000 | -19.9% | 0.0% |
| NFM, INC. | $500,000 | $1,120,000 | 124.0% | 0.0% |
| American Riviera Bank | $1,085,000 | n/a | 0.0% | |
| CALCON MUTUAL MORTGAGE LLC | $2,190,000 | $1,075,000 | -50.9% | 0.0% |
| Libertyville Bank & Trust | $955,000 | n/a | 0.0% | |
| CREDIT HUMAN FEDERAL CREDIT UNION | $2,175,000 | $935,000 | -57.0% | 0.0% |
| GUIDANCE RESIDENTIAL, LLC | $1,010,000 | $880,000 | -12.9% | 0.0% |
| BAY EQUITY LLC | $2,780,000 | $840,000 | -69.8% | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | $1,655,000 | $825,000 | -50.2% | 0.0% |
| Bethpage Federal Credit Union | $700,000 | $820,000 | 17.1% | 0.0% |
| Princeton Mortgage Corporation | $785,000 | n/a | 0.0% | |
| Wheaton Bank & Trust | $775,000 | n/a | 0.0% | |
| FIRST ENTERTAINMENT | $745,000 | $770,000 | 3.4% | 0.0% |
| M&T Bank | $1,060,000 | $770,000 | -27.4% | 0.0% |
| Discover Bank | $7,365,000 | $760,000 | -89.7% | 0.0% |
| FidelityLending Solutions Inc. dba Wholesale Mortgage Bankers | $1,345,000 | $745,000 | -44.6% | 0.0% |
| SAMMAMISH MORTGAGE COMPANY | $720,000 | n/a | 0.0% | |
| ALTITUDE FINANCIAL CORPORATION | $790,000 | $715,000 | -9.5% | 0.0% |
| HOMESTEAD FUNDING CORP. | $715,000 | n/a | 0.0% | |
| NORTHROP GRUMMAN Federal Credit Union | $1,230,000 | $710,000 | -42.3% | 0.0% |
| The Central Trust Bank | $695,000 | n/a | 0.0% | |
| Granite Community Bank | $690,000 | n/a | 0.0% | |
| Texana Bank | $690,000 | n/a | 0.0% | |
| General Mortgage Capital Corporation | $745,000 | $680,000 | -8.7% | 0.0% |
| ROUNDPOINT MORTGAGE SERVICING CORPORATION | $505,000 | $675,000 | 33.7% | 0.0% |
| First Bank | $665,000 | n/a | 0.0% | |
| RF Renovo Management Company, LLC | $380,000 | $665,000 | 75.0% | 0.0% |
| Encompass Lending Group, LP | $660,000 | n/a | 0.0% | |
| PACIFIC SERVICE | $235,000 | $660,000 | 180.9% | 0.0% |
| OCEANSIDE MORTGAGE COMPANY | $650,000 | n/a | 0.0% | |
| STAR ONE CREDIT UNION | $1,245,000 | $650,000 | -47.8% | 0.0% |
| Watermark Capital, Inc. | $2,045,000 | $650,000 | -68.2% | 0.0% |
| NETWORK CAPITAL FUNDING CORPORATION | $1,720,000 | $630,000 | -63.4% | 0.0% |
| Farmers Bank & Trust | $625,000 | n/a | 0.0% | |
| Financial Partners Credit Union | $1,950,000 | $620,000 | -68.2% | 0.0% |
| CARDINAL FINANCIAL | $1,530,000 | $605,000 | -60.5% | 0.0% |
| CANOPY MORTGAGE, LLC | $145,000 | $600,000 | 313.8% | 0.0% |
| PATELCO | $175,000 | $600,000 | 242.9% | 0.0% |
| WALL FINANCIAL, INC. | $600,000 | n/a | 0.0% | |
| EMM LOANS LLC | $530,000 | $590,000 | 11.3% | 0.0% |
| ROYAL UNITED MORTGAGE LLC | $1,440,000 | $580,000 | -59.7% | 0.0% |
| Charles Schwab Bank, SSB | $470,000 | $575,000 | 22.3% | 0.0% |
| Umpqua Bank | $420,000 | $565,000 | 34.5% | 0.0% |
| MID-VALLEY SERVICES, INC. | $955,000 | $560,000 | -41.4% | 0.0% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | $520,000 | $560,000 | 7.7% | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | $865,000 | $550,000 | -36.4% | 0.0% |
| CALIFORNIA CREDIT UNION | $175,000 | $550,000 | 214.3% | 0.0% |
| LENDINGONE, LLC | $175,000 | $550,000 | 214.3% | 0.0% |
| Cornerstone First Mortgage, Inc | $1,390,000 | $540,000 | -61.2% | 0.0% |
| EQUITY WAVE LENDING, INC. | $845,000 | $540,000 | -36.1% | 0.0% |
| GTE Federal Credit Union | $450,000 | $535,000 | 18.9% | 0.0% |
| ENVOY MORTGAGE, LTD | $820,000 | $530,000 | -35.4% | 0.0% |
| First-Citizens Bank & Trust Company | $1,370,000 | $525,000 | -61.7% | 0.0% |
| COASTAL FUNDING SLC, INC. | $325,000 | $520,000 | 60.0% | 0.0% |
| Fremont Bank | $515,000 | n/a | 0.0% | |
| Deseret First Credit Union | $510,000 | n/a | 0.0% | |
| SKYONE Federal Credit Union | $505,000 | n/a | 0.0% | |
| CONTOUR MORTGAGE CORPORATION | $335,000 | $485,000 | 44.8% | 0.0% |
| USC Credit Union | $485,000 | n/a | 0.0% | |
| San Joaquin Power Employees Credit Union | $190,000 | $480,000 | 152.6% | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | $600,000 | $470,000 | -21.7% | 0.0% |
| NATIONWIDE MORTGAGE BANKERS, INC. | $320,000 | $460,000 | 43.8% | 0.0% |
| Generations Bank | $455,000 | n/a | 0.0% | |
| CTBC Bank Corp. (USA) | $435,000 | n/a | 0.0% | |
| MORTGAGE ACCESS CORP. | $435,000 | n/a | 0.0% | |
| Northpointe Bank | $660,000 | $435,000 | -34.1% | 0.0% |
| HomePromise Corporation | $425,000 | n/a | 0.0% | |
| Loan Simple, Inc. | $425,000 | n/a | 0.0% | |
| LOANLEADERS OF AMERICA, INC. | $420,000 | n/a | 0.0% | |
| Armed Forces Bank | $485,000 | $415,000 | -14.4% | 0.0% |
| Provident Credit Union | $415,000 | n/a | 0.0% | |
| The Dart Bank | $415,000 | n/a | 0.0% | |
| GUARANTEED RATE AFFINITY, LLC | $430,000 | $410,000 | -4.7% | 0.0% |
| CLIFFCO, INC. | $405,000 | n/a | 0.0% | |
| DELTA COMMUNITY CREDIT UNION | $405,000 | n/a | 0.0% | |
| HSBC BANK USA, NATIONAL ASSOCIATION | $395,000 | n/a | 0.0% | |
| Mortgage Assurance Inc. | $395,000 | n/a | 0.0% | |
| NORWICH COMMERCIAL GROUP, INC. | $4,095,000 | $395,000 | -90.4% | 0.0% |
| PREMIA MORTGAGE, LLC | $2,750,000 | $395,000 | -85.6% | 0.0% |
| Notre Dame Federal Credit Union Corporation | $385,000 | n/a | 0.0% | |
| Beeline Loans, Inc. | $145,000 | $380,000 | 162.1% | 0.0% |
| EVERGREEN MONEYSOURCE MORTGAGE COMPANY | $305,000 | $375,000 | 23.0% | 0.0% |
| T2 FINANCIAL LLC | $365,000 | n/a | 0.0% | |
| USAlliance Federal Credit Union | $125,000 | $360,000 | 188.0% | 0.0% |
| VENTURA COUNTY | $1,230,000 | $360,000 | -70.7% | 0.0% |
| GOOGAIN, INC. | $355,000 | n/a | 0.0% | |
| US MORTGAGE CORPORATION | $355,000 | n/a | 0.0% | |
| ARROWHEAD CENTRAL CREDIT UNION | $345,000 | n/a | 0.0% | |
| First American Bank | $345,000 | n/a | 0.0% | |
| PLUS RELOCATION MORTGAGE, LLC | $335,000 | n/a | 0.0% | |
| ORANGE COUNTY'S CREDIT UNION | $325,000 | n/a | 0.0% | |
| PREMIER AMERICA | $110,000 | $320,000 | 190.9% | 0.0% |
| DIRECT MORTGAGE, CORP. | $315,000 | n/a | 0.0% | |
| NuVision Federal Credit Union | $490,000 | $305,000 | -37.8% | 0.0% |
| Eagle Community Credit Union | $300,000 | n/a | 0.0% | |
| Fifth Third Bank | $890,000 | $300,000 | -66.3% | 0.0% |
| Gain Federal Credit Union | $85,000 | $300,000 | 252.9% | 0.0% |
| Cathay Bank | $335,000 | $295,000 | -11.9% | 0.0% |
| Credit Union of Southern California | $630,000 | $295,000 | -53.2% | 0.0% |
| First Reliance Bank | $285,000 | $295,000 | 3.5% | 0.0% |
| INTERCOASTAL MORTGAGE COMPANY | $295,000 | n/a | 0.0% | |
| RBC Bank, (Georgia) | $295,000 | n/a | 0.0% | |
| FEDEX EMPLOYEES CREDIT ASSOCIATION | $290,000 | n/a | 0.0% | |
| TULARE COUNTY | $290,000 | n/a | 0.0% | |
| Financial Funding Solutions, Inc. | $870,000 | $285,000 | -67.2% | 0.0% |
| United States Senate Federal Credit Union | $280,000 | n/a | 0.0% | |
| Summit Mortgage Corporation | $205,000 | $275,000 | 34.1% | 0.0% |
| Capital Bank | $265,000 | n/a | 0.0% | |
| PARTNERS | $105,000 | $265,000 | 152.4% | 0.0% |
| UBS Bank USA | $225,000 | $265,000 | 17.8% | 0.0% |
| Bank of Utah | $255,000 | n/a | 0.0% | |
| California Coast Credit Union | $280,000 | $255,000 | -8.9% | 0.0% |
| CHARLOTTE METRO FEDERAL CREDIT UNION | $255,000 | n/a | 0.0% | |
| FIRST NATIONS HOME FINANCE CORPORATION | $255,000 | n/a | 0.0% | |
| Wilmington Savings Fund Society, FSB | $255,000 | n/a | 0.0% | |
| HUDSON HERITAGE | $245,000 | n/a | 0.0% | |
| MERIWEST | $245,000 | n/a | 0.0% | |
| WESTCOAST MORTGAGE GROUP AND REALTY COMPANY | $245,000 | n/a | 0.0% | |
| KINECTA | $1,355,000 | $240,000 | -82.3% | 0.0% |
| Operating Engineers Local Union #3 | $240,000 | n/a | 0.0% | |
| RANLIFE, INC. | $255,000 | $235,000 | -7.8% | 0.0% |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | $1,035,000 | $230,000 | -77.8% | 0.0% |
| ADVANCIAL | $225,000 | n/a | 0.0% | |
| Comerica Bank | $1,990,000 | $225,000 | -88.7% | 0.0% |
| Signature Federal Credit Union | $225,000 | n/a | 0.0% | |
| CERTIFIED | $220,000 | n/a | 0.0% | |
| First City Credit Union | $215,000 | $215,000 | 0.0% | 0.0% |
| City Lending Inc. | $560,000 | $210,000 | -62.5% | 0.0% |
| CORNERSTONE HOME LENDING, INC. | $355,000 | $205,000 | -42.3% | 0.0% |
| Leader Bank | $205,000 | n/a | 0.0% | |
| BNB FINANCIAL INC. | $195,000 | n/a | 0.0% | |
| CALTECH EMPLOYEES FEDERAL CREDIT UNION | $195,000 | n/a | 0.0% | |
| Old National Bank | $195,000 | n/a | 0.0% | |
| REDWOOD RESIDENTIAL ACQUISITION CORPORATION | $195,000 | n/a | 0.0% | |
| Water and Power Community Credit Union | $430,000 | $185,000 | -57.0% | 0.0% |
| Allied First Bank,sb | $335,000 | $175,000 | -47.8% | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $1,590,000 | $175,000 | -89.0% | 0.0% |
| TOWER | $255,000 | $160,000 | -37.3% | 0.0% |
| Noble Federal Credit Union | $150,000 | n/a | 0.0% | |
| ALLIED MORTGAGE GROUP, INC. | $1,130,000 | $145,000 | -87.2% | 0.0% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | $350,000 | $145,000 | -58.6% | 0.0% |
| PRIORITY ONE CREDIT UNION | $135,000 | n/a | 0.0% | |
| Connexus Credit Union | $115,000 | $130,000 | 13.0% | 0.0% |
| Baxter Credit Union | $215,000 | $125,000 | -41.9% | 0.0% |
| PremierOne Credit Union | $645,000 | $125,000 | -80.6% | 0.0% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | $115,000 | n/a | 0.0% | |
| PIKE CREEK MORTGAGE SERVICES, INC. | $115,000 | n/a | 0.0% | |
| THE POLICE Credit Union | $100,000 | n/a | 0.0% | |
| LOS ANGELES POLICE Federal Credit Union | $315,000 | $90,000 | -71.4% | 0.0% |
| Boeing Employees Credit Union | $105,000 | $85,000 | -19.0% | 0.0% |
| EXCITE Credit Union | $85,000 | n/a | 0.0% | |
| SAN FRANCISCO FIRE CREDIT UNION | $75,000 | n/a | 0.0% | |
| TOGETHER CREDIT UNION | $300,000 | $65,000 | -78.3% | 0.0% |
| Christian Community Credit Union | $55,000 | n/a | 0.0% | |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $150,000 | $55,000 | -63.3% | 0.0% |
| American Airlines Federal Credit Union | $45,000 | n/a | 0.0% | |
| POPA FEDERAL CREDIT UNION | $255,000 | $45,000 | -82.4% | 0.0% |
| REDWOOD | $340,000 | $45,000 | -86.8% | 0.0% |
| DIGITAL Federal Credit Union | $630,000 | $35,000 | -94.4% | 0.0% |
| BELLWETHER ENTERPRISE REAL ESTATE CAPITAL, LLC | $8,485,000 | $5,000 | -99.9% | 0.0% |
BAKERSFIELD's top lender by overall market share is UNITED WHOLESALE MORTGAGE, LLC, with 14.4% market share. In second place, with 7.2%, is QUICKEN LOANS, LLC, having originated $302,105,000 in loans. In third place, with 3.8%, is EAGLE HOME MORTGAGE, LLC, having originated $159,240,000 in loans. In fourth place, with 3.5%, is Century Mortgage Company DBA Century Lending Company, having originated $146,350,000 in loans. In fifth place, with 3.1%, is MORIA DEVELOPMENT, INC., having originated $132,945,000 in loans.
BAKERSFIELD Housing Market Trends (Median, Average Prices & Listing Count)
Realtor.com - BAKERSFIELD (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Price (YoY Change) | Average Listing Price (YoY) | MSA/US Median Price Ratio | Active Listings |
|---|---|---|---|---|
| 2018-01-01 | $236,097 (4.9%) | $279,801 (2.9%) | 0.88 | 2,062 |
| 2018-02-01 | $239,950 (4.8%) | $280,656 (1.8%) | 0.87 | 2,097 |
| 2018-03-01 | $250,000 (5.0%) | $289,455 (2.2%) | 0.88 | 2,129 |
| 2018-04-01 | $259,450 (5.9%) | $293,778 (1.3%) | 0.88 | 2,226 |
| 2018-05-01 | $262,271 (5.1%) | $297,661 (2.6%) | 0.88 | 2,228 |
| 2018-06-01 | $263,000 (5.2%) | $296,402 (2.6%) | 0.88 | 2,342 |
| 2018-07-01 | $259,900 (4.0%) | $293,478 (2.0%) | 0.87 | 2,441 |
| 2018-08-01 | $256,500 (2.8%) | $290,070 (1.5%) | 0.86 | 2,510 |
| 2018-09-01 | $254,900 (2.4%) | $290,435 (2.2%) | 0.86 | 2,560 |
| 2018-10-01 | $250,000 (0.7%) | $288,148 (0.9%) | 0.85 | 2,494 |
| 2018-11-01 | $249,900 (2.5%) | $286,401 (1.1%) | 0.85 | 2,436 |
| 2018-12-01 | $249,000 (4.2%) | $285,236 (0.6%) | 0.86 | 2,273 |
| 2019-01-01 | $245,000 (3.8%) | $282,141 (0.8%) | 0.85 | 2,086 |
| 2019-02-01 | $245,000 (2.1%) | $283,726 (1.1%) | 0.83 | 2,071 |
| 2019-03-01 | $252,400 (1.0%) | $292,326 (1.0%) | 0.83 | 2,108 |
| 2019-04-01 | $261,308 (0.7%) | $303,499 (3.3%) | 0.83 | 2,189 |
| 2019-05-01 | $262,850 (0.2%) | $304,559 (2.3%) | 0.82 | 2,273 |
| 2019-06-01 | $264,900 (0.7%) | $304,527 (2.7%) | 0.83 | 2,353 |
| 2019-07-01 | $266,913 (2.7%) | $306,832 (4.6%) | 0.84 | 2,387 |
| 2019-08-01 | $262,818 (2.5%) | $304,078 (4.8%) | 0.83 | 2,346 |
| 2019-09-01 | $259,545 (1.8%) | $303,742 (4.6%) | 0.83 | 2,247 |
| 2019-10-01 | $258,089 (3.2%) | $303,664 (5.4%) | 0.83 | 2,173 |
| 2019-11-01 | $258,500 (3.4%) | $308,391 (7.7%) | 0.85 | 2,034 |
| 2019-12-01 | $258,500 (3.8%) | $377,197 (32.2%) | 0.86 | 1,860 |
| 2020-01-01 | $259,450 (5.9%) | $304,969 (8.1%) | 0.87 | 1,645 |
| 2020-02-01 | $259,900 (6.1%) | $315,073 (11.1%) | 0.85 | 1,582 |
| 2020-03-01 | $269,950 (7.0%) | $324,425 (11.0%) | 0.85 | 1,607 |
| 2020-04-01 | $269,450 (3.1%) | $320,418 (5.6%) | 0.84 | 1,669 |
| 2020-05-01 | $269,900 (2.7%) | $324,833 (6.7%) | 0.82 | 1,595 |
| 2020-06-01 | $270,975 (2.3%) | $333,479 (9.5%) | 0.80 | 1,412 |
| 2020-07-01 | $279,950 (4.9%) | $344,330 (12.2%) | 0.81 | 1,285 |
| 2020-08-01 | $295,000 (12.2%) | $349,328 (14.9%) | 0.85 | 1,139 |
| 2020-09-01 | $300,000 (15.6%) | $362,750 (19.4%) | 0.86 | 1,172 |
| 2020-10-01 | $299,900 (16.2%) | $364,117 (19.9%) | 0.86 | 1,164 |
| 2020-11-01 | $299,900 (16.0%) | $353,211 (14.5%) | 0.88 | 1,075 |
| 2020-12-01 | $287,000 (11.0%) | $337,567 (-10.5%) | 0.85 | 1,002 |
| 2021-01-01 | $279,000 (7.5%) | $330,098 (8.2%) | 0.83 | 891 |
| 2021-02-01 | $284,500 (9.5%) | $345,197 (9.6%) | 0.83 | 774 |
| 2021-03-01 | $294,995 (9.3%) | $353,470 (9.0%) | 0.84 | 722 |
| 2021-04-01 | $300,500 (11.5%) | $353,987 (10.5%) | 0.81 | 751 |
| 2021-05-01 | $315,000 (16.7%) | $374,042 (15.2%) | 0.84 | 742 |
| 2021-06-01 | $313,250 (15.6%) | $380,198 (14.0%) | 0.82 | 837 |
| 2021-07-01 | $320,000 (14.3%) | $380,927 (10.6%) | 0.84 | 983 |
| 2021-08-01 | $320,000 (8.5%) | $379,666 (8.7%) | 0.85 | 1,116 |
| 2021-09-01 | $318,850 (6.3%) | $379,643 (4.7%) | 0.85 | 1,127 |
| 2021-10-01 | $329,900 (10.0%) | $389,873 (7.1%) | 0.88 | 1,173 |
| 2021-11-01 | $337,000 (12.4%) | $399,366 (13.1%) | 0.90 | 1,027 |
| 2021-12-01 | $339,950 (18.5%) | $407,211 (20.6%) | 0.92 | 919 |
| 2022-01-01 | $339,500 (21.7%) | $406,001 (23.0%) | 0.92 | 799 |
| 2022-02-01 | $349,450 (22.8%) | $418,366 (21.2%) | 0.91 | 746 |
| 2022-03-01 | $359,500 (21.9%) | $424,585 (20.1%) | 0.90 | 754 |
| 2022-04-01 | $365,000 (21.5%) | $434,600 (22.8%) | 0.87 | 874 |
| 2022-05-01 | $389,487 (23.7%) | $444,796 (18.9%) | 0.89 | 1,178 |
| 2022-06-01 | $399,450 (27.5%) | $440,618 (15.9%) | 0.89 | 1,393 |
| 2022-07-01 | $390,000 (21.9%) | $434,997 (14.2%) | 0.88 | 1,618 |
| 2022-08-01 | $389,600 (21.8%) | $430,160 (13.3%) | 0.90 | 1,699 |
| 2022-09-01 | $387,529 (21.5%) | $431,012 (13.5%) | 0.91 | 1,746 |
| 2022-10-01 | $380,000 (15.2%) | $426,760 (9.5%) | 0.89 | 1,795 |
| 2022-11-01 | $375,000 (11.3%) | $427,854 (7.1%) | 0.90 | 1,757 |
| 2022-12-01 | $370,000 (8.8%) | $425,437 (4.5%) | 0.91 | 1,488 |
| 2023-01-01 | $374,700 (10.4%) | $423,949 (4.4%) | 0.93 | 1,315 |
| 2023-02-01 | $374,504 (7.2%) | $424,486 (1.5%) | 0.90 | 1,172 |
| 2023-03-01 | $380,000 (5.7%) | $431,359 (1.6%) | 0.90 | 1,009 |
| 2023-04-01 | $390,000 (6.9%) | $446,409 (2.7%) | 0.91 | 922 |
| 2023-05-01 | $390,000 (0.1%) | $450,560 (1.3%) | 0.88 | 1,023 |
| 2023-06-01 | $392,500 (-1.7%) | $456,721 (3.7%) | 0.88 | 1,062 |
| 2023-07-01 | $399,000 (2.3%) | $452,936 (4.1%) | 0.91 | 1,130 |
| 2023-08-01 | $389,963 (0.1%) | $444,484 (3.3%) | 0.90 | 1,243 |
| 2023-09-01 | $385,000 (-0.7%) | $435,964 (1.2%) | 0.90 | 1,340 |
| 2023-10-01 | $379,950 (0.0%) | $436,330 (2.2%) | 0.89 | 1,379 |
| 2023-11-01 | $385,000 (2.7%) | $445,210 (4.1%) | 0.92 | 1,407 |
| 2023-12-01 | $384,000 (3.8%) | $441,318 (3.7%) | 0.94 | 1,325 |
| 2024-01-01 | $382,224 (2.0%) | $440,229 (3.8%) | 0.93 | 1,208 |
| 2024-02-01 | $379,950 (1.5%) | $438,812 (3.4%) | 0.91 | 1,157 |
| 2024-03-01 | $385,000 (1.3%) | $440,721 (2.2%) | 0.91 | 1,180 |
| 2024-04-01 | $397,000 (1.8%) | $443,408 (-0.7%) | 0.92 | 1,262 |
| 2024-05-01 | $408,043 (4.6%) | $458,345 (1.7%) | 0.93 | 1,332 |
| 2024-06-01 | $400,000 (1.9%) | $462,614 (1.3%) | 0.91 | 1,424 |
| 2024-07-01 | $402,473 (0.9%) | $465,077 (2.7%) | 0.92 | 1,563 |
| 2024-08-01 | $399,999 (2.6%) | $462,909 (4.2%) | 0.93 | 1,613 |
| 2024-09-01 | $399,998 (3.9%) | $462,132 (6.0%) | 0.94 | 1,682 |
| 2024-10-01 | $399,990 (5.3%) | $453,915 (4.0%) | 0.95 | 1,781 |
| 2024-11-01 | $398,700 (3.6%) | $449,225 (0.9%) | 0.96 | 1,855 |
| 2024-12-01 | $393,250 (2.4%) | $448,581 (1.7%) | 0.98 | 1,749 |
| 2025-01-01 | $389,950 (2.0%) | $442,608 (0.5%) | 0.97 | 1,690 |
| 2025-02-01 | $391,250 (3.0%) | $451,093 (2.8%) | 0.95 | 1,796 |
| 2025-03-01 | $399,000 (3.6%) | $451,222 (2.4%) | 0.94 | 1,830 |
| 2025-04-01 | $399,225 (0.6%) | $453,973 (2.4%) | 0.93 | 1,886 |
| 2025-05-01 | $399,999 (-2.0%) | $459,834 (0.3%) | 0.91 | 2,017 |
| 2025-06-01 | $409,962 (2.5%) | $461,577 (-0.2%) | 0.93 | 2,155 |
| 2025-07-01 | $409,495 (1.7%) | $467,620 (0.6%) | 0.93 | 2,260 |
| 2025-08-01 | $405,000 (1.3%) | $462,148 (-0.2%) | 0.94 | 2,322 |
| 2025-09-01 | $409,675 (2.4%) | $467,424 (1.2%) | 0.96 | 2,290 |
| 2025-10-01 | $406,250 (1.6%) | $463,865 (2.2%) | 0.96 | 2,228 |
| 2025-11-01 | $400,800 (0.5%) | $463,814 (3.3%) | 0.97 | 2,152 |
| 2025-12-01 | $399,900 (1.7%) | $460,634 (2.7%) | 1.00 | 1,948 |
| 2026-01-01 | $399,900 (2.6%) | $455,547 (2.9%) | 1.00 | 1,830 |
| 2026-02-01 | $399,992 (2.2%) | $454,599 (0.8%) | 0.99 | 1,888 |
| 2026-03-01 | $400,993 (0.5%) | $453,471 (0.5%) | 0.96 | 1,973 |
| 2026-04-01 | $403,995 (1.2%) | $452,884 (-0.2%) | 0.95 | 2,025 |
| 2026-05-01 | $409,999 (2.5%) | $454,794 (-1.1%) | 0.95 | 2,094 |
| 2026-06-01 | $410,000 (0.0%) | $453,541 (-1.7%) | 0.95 | 2,166 |
| 2026-07-01 | $409,500 (0.0%) | $453,565 (-3.0%) | 0.95 | 2,157 |
| 2026-08-01 | $410,000 (1.2%) | $453,994 (-1.8%) | 0.97 | 2,239 |
| 2026-09-01 | $396,500 (-3.2%) | $436,214 (-6.7%) | 0.00 | 2,443 |
| 2026-10-01 | $390,000 (-4.0%) | $431,320 (-7.0%) | 0.00 | 2,475 |
BAKERSFIELD's median listing price for 2026-10-01 was $390,000, a difference of
$-16,250
(-4.0%) versus the prior year and
$-6,500 versus the prior month.
BAKERSFIELD's median listing price comes in at 0% of the national average.
BAKERSFIELD's average listing price for 2026-10-01 was $431,320, a difference of $-32,545 (-7.0%) versus the prior year and $-4,894 versus the prior month.
For the 2026-10-01 period, BAKERSFIELD had 2,475 MLS listings, a difference of 32 listings (1%) versus the prior month and 247 listings (11%) versus the prior year.
BAKERSFIELD's median listing price comes in at 0% of the national average.
BAKERSFIELD's average listing price for 2026-10-01 was $431,320, a difference of $-32,545 (-7.0%) versus the prior year and $-4,894 versus the prior month.
For the 2026-10-01 period, BAKERSFIELD had 2,475 MLS listings, a difference of 32 listings (1%) versus the prior month and 247 listings (11%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - BAKERSFIELD (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Time on Market | Median Square Footage |
|---|---|---|
| 2018-01-01 | 62 days | 1,712 sqft |
| 2018-02-01 | 41 days | 1,715 sqft |
| 2018-03-01 | 40 days | 1,749 sqft |
| 2018-04-01 | 43 days | 1,763 sqft |
| 2018-05-01 | 43 days | 1,782 sqft |
| 2018-06-01 | 43 days | 1,774 sqft |
| 2018-07-01 | 45 days | 1,771 sqft |
| 2018-08-01 | 46 days | 1,743 sqft |
| 2018-09-01 | 46 days | 1,737 sqft |
| 2018-10-01 | 53 days | 1,705 sqft |
| 2018-11-01 | 56 days | 1,693 sqft |
| 2018-12-01 | 64 days | 1,682 sqft |
| 2019-01-01 | 66 days | 1,669 sqft |
| 2019-02-01 | 51 days | 1,675 sqft |
| 2019-03-01 | 45 days | 1,709 sqft |
| 2019-04-01 | 43 days | 1,748 sqft |
| 2019-05-01 | 40 days | 1,749 sqft |
| 2019-06-01 | 44 days | 1,736 sqft |
| 2019-07-01 | 44 days | 1,746 sqft |
| 2019-08-01 | 46 days | 1,725 sqft |
| 2019-09-01 | 48 days | 1,703 sqft |
| 2019-10-01 | 51 days | 1,690 sqft |
| 2019-11-01 | 54 days | 1,687 sqft |
| 2019-12-01 | 58 days | 1,681 sqft |
| 2020-01-01 | 61 days | 1,677 sqft |
| 2020-02-01 | 42 days | 1,686 sqft |
| 2020-03-01 | 39 days | 1,716 sqft |
| 2020-04-01 | 46 days | 1,702 sqft |
| 2020-05-01 | 54 days | 1,698 sqft |
| 2020-06-01 | 47 days | 1,707 sqft |
| 2020-07-01 | 36 days | 1,713 sqft |
| 2020-08-01 | 33 days | 1,762 sqft |
| 2020-09-01 | 31 days | 1,790 sqft |
| 2020-10-01 | 34 days | 1,759 sqft |
| 2020-11-01 | 36 days | 1,721 sqft |
| 2020-12-01 | 39 days | 1,637 sqft |
| 2021-01-01 | 40 days | 1,609 sqft |
| 2021-02-01 | 32 days | 1,605 sqft |
| 2021-03-01 | 23 days | 1,605 sqft |
| 2021-04-01 | 22 days | 1,618 sqft |
| 2021-05-01 | 21 days | 1,665 sqft |
| 2021-06-01 | 22 days | 1,646 sqft |
| 2021-07-01 | 22 days | 1,634 sqft |
| 2021-08-01 | 27 days | 1,641 sqft |
| 2021-09-01 | 30 days | 1,613 sqft |
| 2021-10-01 | 31 days | 1,655 sqft |
| 2021-11-01 | 37 days | 1,642 sqft |
| 2021-12-01 | 40 days | 1,664 sqft |
| 2022-01-01 | 39 days | 1,635 sqft |
| 2022-02-01 | 26 days | 1,654 sqft |
| 2022-03-01 | 22 days | 1,686 sqft |
| 2022-04-01 | 22 days | 1,705 sqft |
| 2022-05-01 | 23 days | 1,718 sqft |
| 2022-06-01 | 26 days | 1,760 sqft |
| 2022-07-01 | 31 days | 1,750 sqft |
| 2022-08-01 | 38 days | 1,745 sqft |
| 2022-09-01 | 44 days | 1,752 sqft |
| 2022-10-01 | 46 days | 1,731 sqft |
| 2022-11-01 | 50 days | 1,727 sqft |
| 2022-12-01 | 61 days | 1,730 sqft |
| 2023-01-01 | 66 days | 1,739 sqft |
| 2023-02-01 | 49 days | 1,720 sqft |
| 2023-03-01 | 44 days | 1,710 sqft |
| 2023-04-01 | 38 days | 1,752 sqft |
| 2023-05-01 | 31 days | 1,760 sqft |
| 2023-06-01 | 32 days | 1,758 sqft |
| 2023-07-01 | 35 days | 1,770 sqft |
| 2023-08-01 | 38 days | 1,738 sqft |
| 2023-09-01 | 39 days | 1,724 sqft |
| 2023-10-01 | 42 days | 1,676 sqft |
| 2023-11-01 | 45 days | 1,694 sqft |
| 2023-12-01 | 54 days | 1,674 sqft |
| 2024-01-01 | 59 days | 1,699 sqft |
| 2024-02-01 | 45 days | 1,683 sqft |
| 2024-03-01 | 44 days | 1,703 sqft |
| 2024-04-01 | 39 days | 1,706 sqft |
| 2024-05-01 | 35 days | 1,731 sqft |
| 2024-06-01 | 40 days | 1,737 sqft |
| 2024-07-01 | 41 days | 1,730 sqft |
| 2024-08-01 | 43 days | 1,715 sqft |
| 2024-09-01 | 44 days | 1,731 sqft |
| 2024-10-01 | 44 days | 1,714 sqft |
| 2024-11-01 | 48 days | 1,680 sqft |
| 2024-12-01 | 56 days | 1,673 sqft |
| 2025-01-01 | 59 days | 1,652 sqft |
| 2025-02-01 | 49 days | 1,649 sqft |
| 2025-03-01 | 48 days | 1,685 sqft |
| 2025-04-01 | 47 days | 1,692 sqft |
| 2025-05-01 | 45 days | 1,717 sqft |
| 2025-06-01 | 47 days | 1,731 sqft |
| 2025-07-01 | 50 days | 1,739 sqft |
| 2025-08-01 | 53 days | 1,716 sqft |
| 2025-09-01 | 56 days | 1,731 sqft |
| 2025-10-01 | 58 days | 1,730 sqft |
| 2025-11-01 | 58 days | 1,720 sqft |
| 2025-12-01 | 66 days | 1,717 sqft |
| 2026-01-01 | 67 days | 1,715 sqft |
| 2026-02-01 | 47 days | 1,702 sqft |
| 2026-03-01 | 47 days | 1,706 sqft |
| 2026-04-01 | 48 days | 1,712 sqft |
| 2026-05-01 | 50 days | 1,731 sqft |
| 2026-06-01 | 51 days | 1,726 sqft |
| 2026-07-01 | 53 days | 1,720 sqft |
| 2026-08-01 | 54 days | 1,714 sqft |
| 2026-09-01 | 0 days | 1,682 sqft |
| 2026-10-01 | 0 days | 1,680 sqft |
BAKERSFIELD's median listing age (time on market) for 2026-10-01 was 0 days.
This
is -100%
shorter
than the same period one year ago.
BAKERSFIELD's median square footage for active listings during the 2026-10-01 period was 1,680 sqft. One year prior, the average listing was 1,730 sqft.
BAKERSFIELD's median square footage for active listings during the 2026-10-01 period was 1,680 sqft. One year prior, the average listing was 1,730 sqft.
BAKERSFIELD, CA Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 8,417 | $2,891,485,000 | $343,529 |
| Cash Out Refi | 2,483 | $545,615,000 | $219,740 |
| Other | 1,607 | $144,535,000 | $89,941 |
| Refi | 1,489 | $529,935,000 | $355,900 |
| Home Improvement | 911 | $109,865,000 | $120,598 |
| NA | 9 | $1,845,000 | $205,000 |
Bakersfield's most frequently cited loan purpose was Home Purchase, with 8,417 originations. The 2nd most popular reason was Cash Out Refi, with 2,483 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 5,906 | $1,922,180,000 | $325,462 |
| 5-6% | 3,242 | $1,221,780,000 | $376,860 |
| Over 8% | 2,560 | $300,770,000 | $117,488 |
| 7-8% | 2,339 | $543,425,000 | $232,332 |
| <2.5% | 407 | $8,315,000 | $20,430 |
| 4-5% | 371 | $148,135,000 | $399,286 |
| 3-4% | 49 | $19,375,000 | $395,408 |
| 2.5-3% | 10 | $3,610,000 | $361,000 |
During 2025, Bakersfield's most frequently originated rate bucket was 6-7%, with 5,906 originations.
Loan Sizing (BAKERSFIELD, CA MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 6,342 | $1,933,620,000 | $304,891 |
| $400k-600k | 2,954 | $1,374,550,000 | $465,318 |
| $100,000 or less | 2,925 | $150,665,000 | $51,509 |
| $100k-200k | 2,267 | $333,285,000 | $147,016 |
| $600k-1000k | 374 | $260,580,000 | $696,738 |
| $Over $1MM | 54 | $170,580,000 | $3,158,889 |
BAKERSFIELD's loan sizing saw the bucket of loans from $200k-400k with 6,342 originations, totaling $1,933,620,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 6,432 | $2,417,420,000 | $375,843 |
| 60-80% | 2,930 | $971,430,000 | $331,546 |
| Under 20% | 2,478 | $124,010,000 | $50,044 |
| 20-40% | 1,487 | $194,565,000 | $130,844 |
| 40-60% | 1,038 | $242,140,000 | $233,276 |
| Over 100% | 195 | $102,035,000 | $523,256 |
BAKERSFIELD's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 6,432 originations, totaling $2,417,420,000 in origination value.