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
6.97%
for the week of 2025-07-03, compared to the national average of
6.67% for the same period.
The average rate for the prior week (2025-06-26) was
6.77% and
one month ago for the week of 2025-05-29, the
average rate was 7.19%.
Bakersfield's average rate one year ago was 6.86%.
For refis of the same type during the week of 2025-07-03, the average rate
was 6.61%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-07-03 | 6.67% |
| Bakersfield 30 Year Fixed Rate | 2025-07-03 | 6.97% |
| Bakersfield 30 Year Fixed Rate Refi | 2025-07-03 | 6.61% |
| Bakersfield 15 Year Fixed Rate | 2025-07-03 | 6.04% |
| Bakersfield 15 Year Fixed Rate Refi | 2025-07-03 | 5.8% |
| Bakersfield 30 Year FHA | 2025-07-03 | -0.49% |
| Bakersfield 30 Year FHA Refi | 2025-07-03 | -0.37% |
| Bakersfield 30 Year USDA | 2025-07-03 | -0.1% |
| Bakersfield 30 Year USDA Refi | 2025-07-03 | 0% |
| Bakersfield 30 Year VA | 2025-07-03 | -0.16% |
| Bakersfield 30 Year VA Refi | 2025-07-03 | -0.79% |
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 227 lenders originated 13,497
loans during 2024. The total origination value was $3,874,635,000, with an average loan value of
$287,074.
BAKERSFIELD's average closing costs are $7,002.
The top BAKERSFIELD lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with
669 loans originated. Their average total fees are
$9,820, which is $2,542
higher than the next largest lender,
QUICKEN LOANS, LLC.
The lowest fee BAKERSFIELD lenders (with over 10 loans originated) are
SAFE 1 CREDIT UNION ($2,441), Bank of America ($3,120), SCHOOLSFIRST ($3,909), DHI MORTGAGE COMPANY, LTD. ($4,097) and NAVY FEDERAL CREDIT UNION ($4,224).
The lowest rate BAKERSFIELD lenders (with over 10 loans originated) are
STRATA Credit Union (5.83%), DHI MORTGAGE COMPANY, LTD. (5.84%), VALLEY STRONG CREDIT UNION (5.94%), EAGLE HOME MORTGAGE, LLC (5.96%) and K. HOVNANIAN AMERICAN MORTGAGE, L.L.C. (6.15%).
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 | 2023 Loan Value | 2024 Loan Value | % Change | 2024 Market Share |
|---|---|---|---|---|
| UNITED WHOLESALE MORTGAGE, LLC | $506,260,000 | $593,365,000 | 17.2% | 15.3% |
| QUICKEN LOANS, LLC | $210,525,000 | $304,955,000 | 44.9% | 7.9% |
| DHI MORTGAGE COMPANY, LTD. | $90,355,000 | $132,370,000 | 46.5% | 3.4% |
| Golden Empire Mortgage, Inc. | $74,825,000 | $117,010,000 | 56.4% | 3.0% |
| MORIA DEVELOPMENT, INC. | $555,000 | $113,215,000 | 20,299.1% | 2.9% |
| Century Mortgage Company DBA Century Lending Company | $62,815,000 | $103,485,000 | 64.7% | 2.7% |
| EAGLE HOME MORTGAGE, LLC | $84,330,000 | $98,135,000 | 16.4% | 2.5% |
| Sierra Pacific Mortgage Company, Inc. | $150,875,000 | $96,330,000 | -36.2% | 2.5% |
| OCMBC, INC. | $56,790,000 | $88,250,000 | 55.4% | 2.3% |
| VALLEY STRONG CREDIT UNION | $75,480,000 | $87,920,000 | 16.5% | 2.3% |
| LOANDEPOT.COM, LLC | $92,250,000 | $77,665,000 | -15.8% | 2.0% |
| DIGNIFIED HOME LOANS, LLC | $55,165,000 | $61,840,000 | 12.1% | 1.6% |
| PENNYMAC LOAN SERVICES, LLC | $48,230,000 | $55,640,000 | 15.4% | 1.4% |
| Mortgage Research Center, LLC | $42,520,000 | $53,165,000 | 25.0% | 1.4% |
| FREEDOM MORTGAGE CORPORATION | $16,015,000 | $51,760,000 | 223.2% | 1.3% |
| JPMorgan Chase Bank | $19,500,000 | $47,505,000 | 143.6% | 1.2% |
| Tri Counties Bank | $12,885,000 | $45,215,000 | 250.9% | 1.2% |
| K. HOVNANIAN AMERICAN MORTGAGE, L.L.C. | $30,505,000 | $43,075,000 | 41.2% | 1.1% |
| CROSSCOUNTRY MORTGAGE, LLC | $47,295,000 | $40,570,000 | -14.2% | 1.0% |
| Performance Financial, Inc. | $3,565,000 | $39,990,000 | 1,021.7% | 1.0% |
| MICHIGAN MUTUAL, INC. | $21,720,000 | $39,940,000 | 83.9% | 1.0% |
| U.S. Bank | $33,630,000 | $39,160,000 | 16.4% | 1.0% |
| NEWREZ LLC | $17,465,000 | $36,585,000 | 109.5% | 0.9% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $34,555,000 | $34,770,000 | 0.6% | 0.9% |
| MLD MORTGAGE INC. | $42,115,000 | $31,245,000 | -25.8% | 0.8% |
| Wells Fargo Bank | $29,035,000 | $28,725,000 | -1.1% | 0.7% |
| NAVY FEDERAL CREDIT UNION | $24,395,000 | $28,695,000 | 17.6% | 0.7% |
| The Loan Store, Inc. | $4,450,000 | $28,470,000 | 539.8% | 0.7% |
| PNC Bank | $8,275,000 | $28,080,000 | 239.3% | 0.7% |
| Arbor Realty Trust, Inc. | $5,505,000 | $27,685,000 | 402.9% | 0.7% |
| LENDINGHOME FUNDING CORPORATION | $14,460,000 | $26,450,000 | 82.9% | 0.7% |
| BROKER SOLUTIONS, INC. | $18,420,000 | $25,880,000 | 40.5% | 0.7% |
| Nations Lending Corporation | $30,300,000 | $25,625,000 | -15.4% | 0.7% |
| JMAC LENDING, INC. | $10,545,000 | $25,580,000 | 142.6% | 0.7% |
| DAS Acquisition Company, LLC | $445,000 | $25,470,000 | 5,623.6% | 0.7% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $24,695,000 | $23,510,000 | -4.8% | 0.6% |
| Paramount Residential Mortgage Group, Inc. | $24,265,000 | $23,140,000 | -4.6% | 0.6% |
| AMERICAN FINANCIAL NETWORK, INC. | $23,065,000 | $22,975,000 | -0.4% | 0.6% |
| POINT Mortgage | $20,960,000 | $22,290,000 | 6.3% | 0.6% |
| Flagstar Bank, FSB | $15,155,000 | $21,260,000 | 40.3% | 0.5% |
| GUILD MORTGAGE COMPANY | $21,125,000 | $20,655,000 | -2.2% | 0.5% |
| Bank of America | $24,320,000 | $20,330,000 | -16.4% | 0.5% |
| Equity Prime Mortgage LLC | $11,250,000 | $20,230,000 | 79.8% | 0.5% |
| SAFE 1 CREDIT UNION | $28,415,000 | $19,975,000 | -29.7% | 0.5% |
| Mr. Cooper ( Nationstar Mortgage ) | $19,765,000 | $17,855,000 | -9.7% | 0.5% |
| PLANET HOME LENDING, LLC | $16,205,000 | $17,490,000 | 7.9% | 0.5% |
| GREYSTONE SERVICING COMPANY LLC | $14,360,000 | $15,630,000 | 8.8% | 0.4% |
| Hometown Equity Mortgage, LLC | $5,310,000 | $15,620,000 | 194.2% | 0.4% |
| East West Bank | $13,130,000 | $15,010,000 | 14.3% | 0.4% |
| BERKELEY POINT CAPITAL LLC | $14,995,000 | n/a | 0.4% | |
| STRATA Credit Union | $12,905,000 | $13,845,000 | 7.3% | 0.4% |
| GUARANTEED RATE, INC. | $38,950,000 | $13,430,000 | -65.5% | 0.3% |
| AMWEST FUNDING CORP. | $14,375,000 | $13,260,000 | -7.8% | 0.3% |
| PLAZA HOME MORTGAGE, INC. | $11,290,000 | $13,060,000 | 15.7% | 0.3% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $22,680,000 | $12,920,000 | -43.0% | 0.3% |
| American Mortgage & Equity Consultants, Inc. | $8,785,000 | $12,650,000 | 44.0% | 0.3% |
| CMG MORTGAGE, INC. | $8,045,000 | $12,595,000 | 56.6% | 0.3% |
| ALAMEDA MORTGAGE CORPORATION | $12,600,000 | $11,815,000 | -6.2% | 0.3% |
| VILLAGE CAPITAL MORTGAGE | $4,135,000 | $11,225,000 | 171.5% | 0.3% |
| SUN WEST MORTGAGE COMPANY, INC. | $9,500,000 | $11,205,000 | 17.9% | 0.3% |
| AltaOne Federal Credit Union | $9,455,000 | $10,590,000 | 12.0% | 0.3% |
| Figure Lending LLC | $4,775,000 | $10,520,000 | 120.3% | 0.3% |
| SCHOOLSFIRST | $8,265,000 | $10,175,000 | 23.1% | 0.3% |
| SUMMIT FUNDING, INC. | $49,885,000 | $10,170,000 | -79.6% | 0.3% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $9,035,000 | $9,945,000 | 10.1% | 0.3% |
| CASTLE & COOKE MORTGAGE, LLC | $12,375,000 | $9,850,000 | -20.4% | 0.3% |
| CAMPOS FINANCIAL CORP. | $6,130,000 | $9,645,000 | 57.3% | 0.2% |
| AUGUSTA FINANCIAL, INC. | $9,280,000 | $9,325,000 | 0.5% | 0.2% |
| USAA Federal Savings Bank | $3,350,000 | $9,315,000 | 178.1% | 0.2% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $6,585,000 | $9,115,000 | 38.4% | 0.2% |
| LOANPAL, LLC | $5,330,000 | $9,010,000 | 69.0% | 0.2% |
| LAKEVIEW LOAN SERVICING, LLC | $1,480,000 | $9,005,000 | 508.4% | 0.2% |
| Citadel Servicing Corporation | $2,620,000 | $8,890,000 | 239.3% | 0.2% |
| NATIONS DIRECT MORTGAGE, LLC | $8,325,000 | $8,705,000 | 4.6% | 0.2% |
| BELLWETHER ENTERPRISE REAL ESTATE CAPITAL, LLC | $8,485,000 | n/a | 0.2% | |
| Lakeview Community Capital, LLC | $2,240,000 | $8,395,000 | 274.8% | 0.2% |
| Carrington Mortgage Services, LLC | $7,995,000 | $7,710,000 | -3.6% | 0.2% |
| 21ST MORTGAGE CORPORATION | $5,645,000 | $7,425,000 | 31.5% | 0.2% |
| FBC MORTGAGE, LLC | $6,300,000 | $7,390,000 | 17.3% | 0.2% |
| NEW WAVE LENDING GROUP INC | $7,250,000 | $7,370,000 | 1.7% | 0.2% |
| Discover Bank | $7,865,000 | $7,365,000 | -6.4% | 0.2% |
| Citizens Business Bank | $9,710,000 | $7,285,000 | -25.0% | 0.2% |
| GEO-CORP, INC. | $1,260,000 | $7,270,000 | 477.0% | 0.2% |
| Prudential Huntoon Paige Associates, LLC | $15,490,000 | $7,235,000 | -53.3% | 0.2% |
| Commerce Home Mortgage, Inc. | $9,390,000 | $7,135,000 | -24.0% | 0.2% |
| NMSI, INC. | $3,405,000 | $6,915,000 | 103.1% | 0.2% |
| EVERETT FINANCIAL, INC. | $1,165,000 | $6,655,000 | 471.2% | 0.2% |
| FIRST COLONY MORTGAGE CORPORATION | $725,000 | $5,950,000 | 720.7% | 0.2% |
| BMO Harris Bank | $7,015,000 | $5,870,000 | -16.3% | 0.2% |
| Franklin Loan Corporation | $3,450,000 | $5,835,000 | 69.1% | 0.2% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $1,435,000 | $5,575,000 | 288.5% | 0.1% |
| The Federal Savings Bank | $4,395,000 | $5,495,000 | 25.0% | 0.1% |
| AMERITRUST MORTGAGE CORPORATION | $3,890,000 | $5,480,000 | 40.9% | 0.1% |
| BAY-VALLEY MORTGAGE GROUP | $4,155,000 | $5,285,000 | 27.2% | 0.1% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | $3,550,000 | $5,240,000 | 47.6% | 0.1% |
| Firefighters First Federal Credit Union | $3,210,000 | $5,100,000 | 58.9% | 0.1% |
| RESIDENTIAL BANCORP | $41,565,000 | $5,040,000 | -87.9% | 0.1% |
| AHL FUNDING | $2,000,000 | $4,930,000 | 146.5% | 0.1% |
| INTERNATIONAL CITY MORTGAGE, INC. | $4,920,000 | n/a | 0.1% | |
| Logan Finance Corporation | $2,160,000 | $4,840,000 | 124.1% | 0.1% |
| Self-Help Federal Credit Union | $4,325,000 | $4,660,000 | 7.7% | 0.1% |
| Home Mortgage Alliance Corp | $4,635,000 | n/a | 0.1% | |
| ML Mortgage Corp. | $1,510,000 | $4,630,000 | 206.6% | 0.1% |
| FINANCE OF AMERICA REVERSE LLC | $2,500,000 | $4,575,000 | 83.0% | 0.1% |
| Pacific Lending LLC | $4,555,000 | n/a | 0.1% | |
| MUTUAL OF OMAHA MORTGAGE, INC. | $6,610,000 | $4,460,000 | -32.5% | 0.1% |
| SPRING EQ, LLC | $1,900,000 | $4,445,000 | 133.9% | 0.1% |
| CHEVRON | $7,695,000 | $4,430,000 | -42.4% | 0.1% |
| Luxury Mortgage Corp. | $4,410,000 | n/a | 0.1% | |
| Coastal Community Bank | $2,930,000 | $4,390,000 | 49.8% | 0.1% |
| DEEPHAVEN MORTGAGE LLC | $1,845,000 | $4,245,000 | 130.1% | 0.1% |
| NBKC BANK | $1,780,000 | $4,140,000 | 132.6% | 0.1% |
| MOVEMENT MORTGAGE, LLC | $6,875,000 | $4,130,000 | -39.9% | 0.1% |
| NEXERA HOLDING LLC | $7,440,000 | $4,105,000 | -44.8% | 0.1% |
| NORWICH COMMERCIAL GROUP, INC. | $355,000 | $4,095,000 | 1,053.5% | 0.1% |
| HOMESIDE FINANCIAL, LLC | $1,720,000 | $4,080,000 | 137.2% | 0.1% |
| MK LENDING CORP. | $650,000 | $4,020,000 | 518.5% | 0.1% |
| ZILLOW HOME LOANS, LLC | $2,845,000 | $3,980,000 | 39.9% | 0.1% |
| ALLIANT CREDIT UNION | $2,690,000 | $3,960,000 | 47.2% | 0.1% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $3,610,000 | $3,600,000 | -0.3% | 0.1% |
| BETTER MORTGAGE CORPORATION | $1,520,000 | $3,585,000 | 135.9% | 0.1% |
| ARC HOME LLC | $1,995,000 | $3,525,000 | 76.7% | 0.1% |
| S1L, Inc. | $185,000 | $3,490,000 | 1,786.5% | 0.1% |
| Merchants Mortgage & Trust Corporation | $3,225,000 | $3,430,000 | 6.4% | 0.1% |
| NEW DAY FINANCIAL, LLC | $1,935,000 | $3,180,000 | 64.3% | 0.1% |
| MORTGAGE MANAGEMENT CONSULTANTS, INC. | $6,635,000 | $3,050,000 | -54.0% | 0.1% |
| AMERISAVE MORTGAGE CORPORATION | $10,325,000 | $2,985,000 | -71.1% | 0.1% |
| LOGIX FEDERAL CREDIT UNION | $7,320,000 | $2,950,000 | -59.7% | 0.1% |
| HOMEXPRESS MORTGAGE CORP. | $2,330,000 | $2,940,000 | 26.2% | 0.1% |
| AMERICAN FINANCIAL RESOURCES, INC. | $285,000 | $2,930,000 | 928.1% | 0.1% |
| NexBank | $1,390,000 | $2,915,000 | 109.7% | 0.1% |
| THE GOLDEN 1 | $10,655,000 | $2,910,000 | -72.7% | 0.1% |
| Third Federal Savings and Loan Association of Cleveland | $2,235,000 | $2,880,000 | 28.9% | 0.1% |
| UNION HOME MORTGAGE CORP. | $1,530,000 | $2,835,000 | 85.3% | 0.1% |
| INTELLILOAN, INC. | $835,000 | $2,795,000 | 234.7% | 0.1% |
| BAY EQUITY LLC | $4,050,000 | $2,780,000 | -31.4% | 0.1% |
| PREMIA MORTGAGE, LLC | $2,005,000 | $2,750,000 | 37.2% | 0.1% |
| VELOCITY COMMERCIAL CAPITAL, LLC | $1,525,000 | $2,665,000 | 74.8% | 0.1% |
| OPEN MORTGAGE, LLC | $390,000 | $2,650,000 | 579.5% | 0.1% |
| MORTGAGE 1 INCORPORATED | $1,175,000 | $2,605,000 | 121.7% | 0.1% |
| PENTAGON FEDERAL CREDIT UNION | $1,765,000 | $2,565,000 | 45.3% | 0.1% |
| A&D Mortgage LLC | $1,405,000 | $2,405,000 | 71.2% | 0.1% |
| Morgan Stanley Private Bank | $510,000 | $2,365,000 | 363.7% | 0.1% |
| OAKTREE FUNDING CORP. | $470,000 | $2,335,000 | 396.8% | 0.1% |
| LENDSURE MORTGAGE CORP. | $1,685,000 | $2,325,000 | 38.0% | 0.1% |
| BECKAM FUNDING CORP. | $19,555,000 | $2,285,000 | -88.3% | 0.1% |
| First Federal Bank | $480,000 | $2,215,000 | 361.5% | 0.1% |
| CALCON MUTUAL MORTGAGE LLC | $3,780,000 | $2,190,000 | -42.1% | 0.1% |
| CREDIT HUMAN FEDERAL CREDIT UNION | $575,000 | $2,175,000 | 278.3% | 0.1% |
| HighTechLending Inc | $790,000 | $2,175,000 | 175.3% | 0.1% |
| LAND HOME FINANCIAL SERVICES, INC. | $420,000 | $2,135,000 | 408.3% | 0.1% |
| GENEVA FINANCIAL, LLC | $2,295,000 | $2,090,000 | -8.9% | 0.1% |
| WESCOM CENTRAL CREDIT UNION | $685,000 | $2,090,000 | 205.1% | 0.1% |
| Magnolia Bank | $885,000 | $2,080,000 | 135.0% | 0.1% |
| ONY GLO, INC. | $615,000 | $2,080,000 | 238.2% | 0.1% |
| First National Bank of America | $950,000 | $2,060,000 | 116.8% | 0.1% |
| Watermark Capital, Inc. | $1,570,000 | $2,045,000 | 30.3% | 0.1% |
| AmeriHome Mortgage Company, LLC | $2,645,000 | $2,025,000 | -23.4% | 0.1% |
| Citibank | $2,585,000 | $2,020,000 | -21.9% | 0.1% |
| Comerica Bank | $495,000 | $1,990,000 | 302.0% | 0.1% |
| Financial Partners Credit Union | $1,770,000 | $1,950,000 | 10.2% | 0.1% |
| LONGBRIDGE FINANCIAL, LLC | $2,445,000 | $1,940,000 | -20.7% | 0.1% |
| Ameris Bank | $1,875,000 | n/a | 0.0% | |
| Truist | $1,870,000 | $1,820,000 | -2.7% | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | $1,035,000 | $1,795,000 | 73.4% | 0.0% |
| FOUNDATION MORTGAGE CORPORATION | $235,000 | $1,785,000 | 659.6% | 0.0% |
| NETWORK CAPITAL FUNDING CORPORATION | $1,995,000 | $1,720,000 | -13.8% | 0.0% |
| COAST 2 COAST FUNDING GROUP, INC. | $415,000 | $1,670,000 | 302.4% | 0.0% |
| MID AMERICA MORTGAGE, INC. | $1,000,000 | $1,665,000 | 66.5% | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | $240,000 | $1,655,000 | 589.6% | 0.0% |
| AMERICAN FINANCING CORPORATION | $1,745,000 | $1,640,000 | -6.0% | 0.0% |
| MORTGAGE CAPITAL PARTNERS, INC. | $1,665,000 | $1,625,000 | -2.4% | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $7,375,000 | $1,590,000 | -78.4% | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | $3,260,000 | $1,590,000 | -51.2% | 0.0% |
| CARDINAL FINANCIAL | $3,560,000 | $1,530,000 | -57.0% | 0.0% |
| BANC ONE MORTGAGE CORPORATION | $920,000 | $1,505,000 | 63.6% | 0.0% |
| JMJ FINANCIAL GROUP | $1,585,000 | $1,475,000 | -6.9% | 0.0% |
| PANORAMA MORTGAGE GROUP, LLC | $2,760,000 | $1,470,000 | -46.7% | 0.0% |
| Greenbox Loans, Inc. | $2,345,000 | $1,465,000 | -37.5% | 0.0% |
| ROYAL UNITED MORTGAGE LLC | $925,000 | $1,440,000 | 55.7% | 0.0% |
| VERITAS FUNDING, LLC | $560,000 | $1,425,000 | 154.5% | 0.0% |
| MASON MCDUFFIE MORTGAGE CORPORATION | $870,000 | $1,410,000 | 62.1% | 0.0% |
| Cornerstone First Mortgage, Inc | $1,390,000 | n/a | 0.0% | |
| Educational Employees Credit Union | $1,850,000 | $1,385,000 | -25.1% | 0.0% |
| CLEARPATH LENDING | $1,915,000 | $1,380,000 | -27.9% | 0.0% |
| First-Citizens Bank & Trust Company | $2,210,000 | $1,370,000 | -38.0% | 0.0% |
| Devon Bank | $1,360,000 | n/a | 0.0% | |
| KINECTA | $1,235,000 | $1,355,000 | 9.7% | 0.0% |
| FidelityLending Solutions Inc. dba Wholesale Mortgage Bankers | $1,345,000 | n/a | 0.0% | |
| ST FIN CORP | $540,000 | $1,330,000 | 146.3% | 0.0% |
| Ally Bank | $735,000 | $1,285,000 | 74.8% | 0.0% |
| COMMUNITY MORTGAGE FUNDING, LLC | $1,985,000 | $1,285,000 | -35.3% | 0.0% |
| PHH Mortgage Corporation | $1,460,000 | $1,285,000 | -12.0% | 0.0% |
| STAR ONE CREDIT UNION | $895,000 | $1,245,000 | 39.1% | 0.0% |
| NORTHROP GRUMMAN Federal Credit Union | $735,000 | $1,230,000 | 67.3% | 0.0% |
| VENTURA COUNTY | $1,340,000 | $1,230,000 | -8.2% | 0.0% |
| LADERA LENDING, INC. | $2,255,000 | $1,210,000 | -46.3% | 0.0% |
| VAL-CHRIS INVESTMENTS, INC. | $590,000 | $1,200,000 | 103.4% | 0.0% |
| BM Real Estate Services, Inc. | $2,095,000 | $1,165,000 | -44.4% | 0.0% |
| NP, Inc. | $245,000 | $1,165,000 | 375.5% | 0.0% |
| First Standard Financial Corp. | $1,055,000 | $1,155,000 | 9.5% | 0.0% |
| Barrington Bank & Trust Company, N.A. | $910,000 | $1,145,000 | 25.8% | 0.0% |
| ALLIED MORTGAGE GROUP, INC. | $1,130,000 | n/a | 0.0% | |
| Prosperity Home Mortgage, LLC | $2,115,000 | $1,105,000 | -47.8% | 0.0% |
| CALLISTO GROUP, INC. | $1,080,000 | n/a | 0.0% | |
| LANTZMAN MANAGEMENT, INC. | $1,560,000 | $1,080,000 | -30.8% | 0.0% |
| M&T Bank | $2,010,000 | $1,060,000 | -47.3% | 0.0% |
| MOUNTAIN WEST FINANCIAL, INC. | $6,560,000 | $1,045,000 | -84.1% | 0.0% |
| Paramount Bank | $1,035,000 | n/a | 0.0% | |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | $1,865,000 | $1,035,000 | -44.5% | 0.0% |
| Florida Capital Bank | $1,015,000 | n/a | 0.0% | |
| GUIDANCE RESIDENTIAL, LLC | $345,000 | $1,010,000 | 192.8% | 0.0% |
| Plains Commerce Bank | $1,165,000 | $975,000 | -16.3% | 0.0% |
| Goldwater Bank, N.A. | $970,000 | n/a | 0.0% | |
| MID-VALLEY SERVICES, INC. | $955,000 | n/a | 0.0% | |
| LEADERONE FINANCIAL CORPORATION | $385,000 | $940,000 | 144.2% | 0.0% |
| TOP FLITE FINANCIAL, INC. | $955,000 | $940,000 | -1.6% | 0.0% |
| HomeTrust Bank | $260,000 | $930,000 | 257.7% | 0.0% |
| AXIA FINANCIAL, LLC | $355,000 | $905,000 | 154.9% | 0.0% |
| Mechanics Bank | $6,465,000 | $905,000 | -86.0% | 0.0% |
| Northwest Farm Credit Services, FLCA | $805,000 | $905,000 | 12.4% | 0.0% |
| Fifth Third Bank | $105,000 | $890,000 | 747.6% | 0.0% |
| Axos Bank | $885,000 | n/a | 0.0% | |
| Financial Funding Solutions, Inc. | $910,000 | $870,000 | -4.4% | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | $2,085,000 | $865,000 | -58.5% | 0.0% |
| First Savings Bank | $1,045,000 | $850,000 | -18.7% | 0.0% |
| EQUITY WAVE LENDING, INC. | $105,000 | $845,000 | 704.8% | 0.0% |
| SECURITYNATIONAL MORTGAGE COMPANY | $11,595,000 | $830,000 | -92.8% | 0.0% |
| ENVOY MORTGAGE, LTD | $940,000 | $820,000 | -12.8% | 0.0% |
| AMERICAN HERITAGE LENDING, INC. | $1,315,000 | $810,000 | -38.4% | 0.0% |
| State Department Federal Credit Union | $805,000 | n/a | 0.0% | |
| ALTITUDE FINANCIAL CORPORATION | $790,000 | n/a | 0.0% | |
| ALTURA | $515,000 | $790,000 | 53.4% | 0.0% |
| Old Plank Trail Community Bank | $785,000 | n/a | 0.0% | |
| NOVA FINANCIAL & INVESTMENT CORPORATION | $770,000 | n/a | 0.0% | |
| FIRST ENTERTAINMENT | $4,300,000 | $745,000 | -82.7% | 0.0% |
| General Mortgage Capital Corporation | $745,000 | n/a | 0.0% | |
| Provident Savings Bank, F.S.B. | $1,620,000 | $715,000 | -55.9% | 0.0% |
| MORTGAGEONE, INC. | $715,000 | $710,000 | -0.7% | 0.0% |
| Bethpage Federal Credit Union | $175,000 | $700,000 | 300.0% | 0.0% |
| MISSION | $690,000 | n/a | 0.0% | |
| North American Savings Bank, F.S.B. | $225,000 | $690,000 | 206.7% | 0.0% |
| Northpointe Bank | $660,000 | n/a | 0.0% | |
| Zions Bank | $2,275,000 | $655,000 | -71.2% | 0.0% |
| PremierOne Credit Union | $645,000 | n/a | 0.0% | |
| COASTHILLS | $635,000 | n/a | 0.0% | |
| Credit Union of Southern California | $450,000 | $630,000 | 40.0% | 0.0% |
| DIGITAL Federal Credit Union | $505,000 | $630,000 | 24.8% | 0.0% |
| GEORGIA'S OWN | $315,000 | $625,000 | 98.4% | 0.0% |
| SNAPFI, INC. | $620,000 | n/a | 0.0% | |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | $700,000 | $600,000 | -14.3% | 0.0% |
| DATA MORTGAGE, INC. | $195,000 | $600,000 | 207.7% | 0.0% |
| TJC Mortgage, Inc. | $660,000 | $600,000 | -9.1% | 0.0% |
| MEMBER FIRST MORTGAGE, LLC | $575,000 | n/a | 0.0% | |
| City Lending Inc. | $560,000 | n/a | 0.0% | |
| VISION ONE MORTGAGE, INC. | $2,180,000 | $550,000 | -74.8% | 0.0% |
| Northwest Federal Credit Union | $535,000 | n/a | 0.0% | |
| EMM LOANS LLC | $400,000 | $530,000 | 32.5% | 0.0% |
| ALL REVERSE MORTGAGE, INC. | $520,000 | n/a | 0.0% | |
| PREMIER MORTGAGE RESOURCES, L.L.C. | $480,000 | $520,000 | 8.3% | 0.0% |
| ROUNDPOINT MORTGAGE SERVICING CORPORATION | $505,000 | n/a | 0.0% | |
| LIMA ONE CAPITAL, LLC | $780,000 | $500,000 | -35.9% | 0.0% |
| NFM, INC. | $550,000 | $500,000 | -9.1% | 0.0% |
| NuVision Federal Credit Union | $300,000 | $490,000 | 63.3% | 0.0% |
| Armed Forces Bank | $810,000 | $485,000 | -40.1% | 0.0% |
| Charles Schwab Bank, SSB | $1,250,000 | $470,000 | -62.4% | 0.0% |
| ANDREWS FEDERAL CREDIT UNION | $465,000 | n/a | 0.0% | |
| INTERCAP LENDING INC. | $355,000 | $465,000 | 31.0% | 0.0% |
| GTE Federal Credit Union | $510,000 | $450,000 | -11.8% | 0.0% |
| TOWNE MORTGAGE COMPANY | $440,000 | n/a | 0.0% | |
| CITYWIDE HOME LOANS, LLC | $435,000 | n/a | 0.0% | |
| HomeStreet Bank | $335,000 | $435,000 | 29.9% | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | $345,000 | $430,000 | 24.6% | 0.0% |
| V.I.P. MORTGAGE, INC. | $350,000 | $430,000 | 22.9% | 0.0% |
| Water and Power Community Credit Union | $165,000 | $430,000 | 160.6% | 0.0% |
| Umpqua Bank | $220,000 | $420,000 | 90.9% | 0.0% |
| F&A Federal Credit Union | $915,000 | $400,000 | -56.3% | 0.0% |
| Service Federal Credit Union | $400,000 | n/a | 0.0% | |
| LBS FINANCIAL | $225,000 | $385,000 | 71.1% | 0.0% |
| Sunflower Bank | $385,000 | n/a | 0.0% | |
| RF Renovo Management Company, LLC | $175,000 | $380,000 | 117.1% | 0.0% |
| MACKILLIE INCORPORATED | $350,000 | $370,000 | 5.7% | 0.0% |
| T. J. FINANCIAL, INC. | $460,000 | $365,000 | -20.7% | 0.0% |
| CORNERSTONE HOME LENDING, INC. | $355,000 | n/a | 0.0% | |
| Pacific Premier Bank | $355,000 | n/a | 0.0% | |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | $350,000 | n/a | 0.0% | |
| Farmers and Merchants Bank of Long Beach | $345,000 | n/a | 0.0% | |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | $445,000 | $345,000 | -22.5% | 0.0% |
| REDWOOD | $110,000 | $340,000 | 209.1% | 0.0% |
| Allied First Bank,sb | $335,000 | n/a | 0.0% | |
| Cathay Bank | $335,000 | n/a | 0.0% | |
| CONTOUR MORTGAGE CORPORATION | $335,000 | n/a | 0.0% | |
| KD CAPITAL MORTGAGE CORPORATION | $335,000 | n/a | 0.0% | |
| San Mateo Credit Union | $335,000 | n/a | 0.0% | |
| COASTAL FUNDING SLC, INC. | $405,000 | $325,000 | -19.8% | 0.0% |
| NATIONWIDE MORTGAGE BANKERS, INC. | $320,000 | n/a | 0.0% | |
| LOS ANGELES POLICE Federal Credit Union | $240,000 | $315,000 | 31.3% | 0.0% |
| BRIDGELOCK CAPITAL | $405,000 | $305,000 | -24.7% | 0.0% |
| EVERGREEN MONEYSOURCE MORTGAGE COMPANY | $840,000 | $305,000 | -63.7% | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | $145,000 | $305,000 | 110.3% | 0.0% |
| TOGETHER CREDIT UNION | $190,000 | $300,000 | 57.9% | 0.0% |
| FARMERS INSURANCE GROUP FEDERAL CREDIT UNION | $45,000 | $285,000 | 533.3% | 0.0% |
| First Reliance Bank | $285,000 | n/a | 0.0% | |
| California Coast Credit Union | $55,000 | $280,000 | 409.1% | 0.0% |
| NATIONS RELIABLE LENDING, LLC | $355,000 | $265,000 | -25.4% | 0.0% |
| Northwest Bank | $265,000 | n/a | 0.0% | |
| POPA FEDERAL CREDIT UNION | $145,000 | $255,000 | 75.9% | 0.0% |
| RANLIFE, INC. | $255,000 | n/a | 0.0% | |
| TOWER | $55,000 | $255,000 | 363.6% | 0.0% |
| MYCUMORTGAGE, LLC | $465,000 | $250,000 | -46.2% | 0.0% |
| 5TH STREET CAPITAL, INC. | $355,000 | $235,000 | -33.8% | 0.0% |
| GLENDALE AREA SCHOOLS CREDIT UNION | $245,000 | $235,000 | -4.1% | 0.0% |
| PACIFIC SERVICE | $1,090,000 | $235,000 | -78.4% | 0.0% |
| Advisors Mortgage Group, L.L.C. | $290,000 | $230,000 | -20.7% | 0.0% |
| UBS Bank USA | $225,000 | n/a | 0.0% | |
| Baxter Credit Union | $90,000 | $215,000 | 138.9% | 0.0% |
| First City Credit Union | $525,000 | $215,000 | -59.0% | 0.0% |
| Summit Mortgage Corporation | $205,000 | n/a | 0.0% | |
| BAY | $395,000 | $195,000 | -50.6% | 0.0% |
| CITY FIRST MORTGAGE SERVICES, L.L.C. | $425,000 | $195,000 | -54.1% | 0.0% |
| FUNDLOANS CAPITAL | $195,000 | n/a | 0.0% | |
| SCE FEDERAL CREDIT UNION | $195,000 | n/a | 0.0% | |
| San Joaquin Power Employees Credit Union | $315,000 | $190,000 | -39.7% | 0.0% |
| Brighton Bank | $185,000 | n/a | 0.0% | |
| Crestline Funding Corporation | $185,000 | n/a | 0.0% | |
| LENOX FINANCIAL MORTGAGE CORPORATION | $620,000 | $185,000 | -70.2% | 0.0% |
| CALIFORNIA CREDIT UNION | $860,000 | $175,000 | -79.7% | 0.0% |
| LENDINGONE, LLC | $695,000 | $175,000 | -74.8% | 0.0% |
| PATELCO | $100,000 | $175,000 | 75.0% | 0.0% |
| THE FIRST FINANCIAL Federal Credit Union | $175,000 | n/a | 0.0% | |
| Constant Investments, Inc. | $165,000 | n/a | 0.0% | |
| HERITAGE COMMUNITY CREDIT UNION | $165,000 | n/a | 0.0% | |
| Ixonia Bank | $165,000 | n/a | 0.0% | |
| UNIVERSAL CITY STUDIOS Federal Credit union | $345,000 | $165,000 | -52.2% | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $100,000 | $150,000 | 50.0% | 0.0% |
| Beeline Loans, Inc. | $115,000 | $145,000 | 26.1% | 0.0% |
| CANOPY MORTGAGE, LLC | $245,000 | $145,000 | -40.8% | 0.0% |
| FAY SERVICING, LLC | $185,000 | $135,000 | -27.0% | 0.0% |
| USAlliance Federal Credit Union | $55,000 | $125,000 | 127.3% | 0.0% |
| Connexus Credit Union | $45,000 | $115,000 | 155.6% | 0.0% |
| PREMIER AMERICA | $110,000 | n/a | 0.0% | |
| Boeing Employees Credit Union | $35,000 | $105,000 | 200.0% | 0.0% |
| PARTNERS | $335,000 | $105,000 | -68.7% | 0.0% |
| SESLOC | $160,000 | $105,000 | -34.4% | 0.0% |
| CIS Financial Services, Inc. | $285,000 | $95,000 | -66.7% | 0.0% |
| QUORUM FEDERAL CREDIT UNION | $125,000 | $90,000 | -28.0% | 0.0% |
| FIRST TECHNOLOGY | $85,000 | n/a | 0.0% | |
| Gain Federal Credit Union | $85,000 | n/a | 0.0% | |
| THRIVENT Federal Credit Union | $55,000 | $85,000 | 54.5% | 0.0% |
| Toyota Financial Savings Bank | $85,000 | n/a | 0.0% | |
| Los Angeles Federal Credit Union | $75,000 | n/a | 0.0% | |
| MidFirst Bank | $45,000 | $75,000 | 66.7% | 0.0% |
| TEACHERS | $65,000 | n/a | 0.0% | |
| AGRICULTURE Federal Credit Union | $55,000 | n/a | 0.0% | |
| HONDA Federal Credit Union | $385,000 | $45,000 | -88.3% | 0.0% |
| UNITED | $45,000 | n/a | 0.0% | |
| ALL IN | $35,000 | n/a | 0.0% | |
| UNIFY FINANCIAL Credit Union | $75,000 | $35,000 | -53.3% | 0.0% |
BAKERSFIELD's top lender by overall market share is UNITED WHOLESALE MORTGAGE, LLC, with 15.3% market share. In second place, with 7.9%, is QUICKEN LOANS, LLC, having originated $304,955,000 in loans. In third place, with 3.4%, is DHI MORTGAGE COMPANY, LTD., having originated $132,370,000 in loans. In fourth place, with 3.0%, is Golden Empire Mortgage, Inc., having originated $117,010,000 in loans. In fifth place, with 2.9%, is MORIA DEVELOPMENT, INC., having originated $113,215,000 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%) | $450,690 (1.3%) | 0.88 | 1,024 |
| 2023-06-01 | $392,500 (-1.7%) | $456,789 (3.7%) | 0.88 | 1,063 |
| 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%) | $436,460 (2.3%) | 0.89 | 1,380 |
| 2023-11-01 | $385,000 (2.7%) | $445,302 (4.1%) | 0.92 | 1,407 |
| 2023-12-01 | $384,900 (4.0%) | $441,605 (3.8%) | 0.94 | 1,324 |
| 2024-01-01 | $382,450 (2.1%) | $440,451 (3.9%) | 0.93 | 1,207 |
| 2024-02-01 | $379,950 (1.5%) | $439,036 (3.4%) | 0.91 | 1,156 |
| 2024-03-01 | $385,000 (1.3%) | $441,005 (2.2%) | 0.91 | 1,179 |
| 2024-04-01 | $397,000 (1.8%) | $443,611 (-0.6%) | 0.92 | 1,261 |
| 2024-05-01 | $408,128 (4.7%) | $458,561 (1.8%) | 0.93 | 1,331 |
| 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 | $399,995 (3.9%) | $461,648 (5.9%) | 0.94 | 1,689 |
| 2024-10-01 | $399,995 (5.3%) | $453,780 (4.0%) | 0.94 | 1,810 |
| 2024-11-01 | $398,700 (3.6%) | $449,225 (0.9%) | 0.96 | 1,855 |
| 2024-12-01 | $393,250 (2.2%) | $448,581 (1.6%) | 0.98 | 1,749 |
| 2025-01-01 | $389,950 (2.0%) | $442,608 (0.5%) | 0.97 | 1,690 |
| 2025-02-01 | $391,249 (3.0%) | $451,040 (2.7%) | 0.95 | 1,796 |
| 2025-03-01 | $398,750 (3.6%) | $451,222 (2.3%) | 0.94 | 1,830 |
| 2025-04-01 | $399,225 (0.6%) | $453,973 (2.3%) | 0.93 | 1,886 |
| 2025-05-01 | $399,999 (-2.0%) | $459,863 (0.3%) | 0.91 | 2,016 |
BAKERSFIELD's median listing price for 2025-05-01 was $399,999, a difference of
$-8,129
(-2.0%) versus the prior year and
$774 versus the prior month.
BAKERSFIELD's median listing price comes in at 91% of the national average.
BAKERSFIELD's average listing price for 2025-05-01 was $459,863, a difference of $1,302 (0.3%) versus the prior year and $5,890 versus the prior month.
For the 2025-05-01 period, BAKERSFIELD had 2,016 MLS listings, a difference of 130 listings (7%) versus the prior month and 685 listings (51%) versus the prior year.
BAKERSFIELD's median listing price comes in at 91% of the national average.
BAKERSFIELD's average listing price for 2025-05-01 was $459,863, a difference of $1,302 (0.3%) versus the prior year and $5,890 versus the prior month.
For the 2025-05-01 period, BAKERSFIELD had 2,016 MLS listings, a difference of 130 listings (7%) versus the prior month and 685 listings (51%) 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 | 1,710 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 | 1,783 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 | 1,706 sqft |
| 2018-11-01 | 56 days | 1,693 sqft |
| 2018-12-01 | 64 days | 1,682 sqft |
| 2019-01-01 | 66 days | 1,670 sqft |
| 2019-02-01 | 51 days | 1,674 sqft |
| 2019-03-01 | 45 days | 1,708 sqft |
| 2019-04-01 | 43 days | 1,747 sqft |
| 2019-05-01 | 40 days | 1,749 sqft |
| 2019-06-01 | 44 days | 1,736 sqft |
| 2019-07-01 | 44 days | 1,748 sqft |
| 2019-08-01 | 46 days | 1,725 sqft |
| 2019-09-01 | 48 days | 1,702 sqft |
| 2019-10-01 | 51 days | 1,689 sqft |
| 2019-11-01 | 54 days | 1,687 sqft |
| 2019-12-01 | 58 days | 1,678 sqft |
| 2020-01-01 | 61 days | 1,677 sqft |
| 2020-02-01 | 42 days | 1,684 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 | 1,708 sqft |
| 2020-07-01 | 36 days | 1,713 sqft |
| 2020-08-01 | 33 days | 1,763 sqft |
| 2020-09-01 | 31 days | 1,789 sqft |
| 2020-10-01 | 34 days | 1,759 sqft |
| 2020-11-01 | 36 days | 1,710 sqft |
| 2020-12-01 | 39 days | 1,633 sqft |
| 2021-01-01 | 40 days | 1,605 sqft |
| 2021-02-01 | 32 days | 1,601 sqft |
| 2021-03-01 | 23 days | 1,605 sqft |
| 2021-04-01 | 22 days | 1,618 sqft |
| 2021-05-01 | 21 days | 1,666 sqft |
| 2021-06-01 | 22 days | 1,650 sqft |
| 2021-07-01 | 22 days | 1,634 sqft |
| 2021-08-01 | 27 days | 1,640 sqft |
| 2021-09-01 | 30 days | 1,613 sqft |
| 2021-10-01 | 31 days | 1,654 sqft |
| 2021-11-01 | 37 days | 1,641 sqft |
| 2021-12-01 | 40 days | 1,661 sqft |
| 2022-01-01 | 39 days | 1,635 sqft |
| 2022-02-01 | 26 days | 1,653 sqft |
| 2022-03-01 | 22 days | 1,685 sqft |
| 2022-04-01 | 22 days | 1,704 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 | 1,743 sqft |
| 2022-09-01 | 44 days | 1,749 sqft |
| 2022-10-01 | 46 days | 1,729 sqft |
| 2022-11-01 | 50 days | 1,726 sqft |
| 2022-12-01 | 61 days | 1,729 sqft |
| 2023-01-01 | 66 days | 1,738 sqft |
| 2023-02-01 | 49 days | 1,718 sqft |
| 2023-03-01 | 44 days | 1,708 sqft |
| 2023-04-01 | 38 days | 1,750 sqft |
| 2023-05-01 | 31 days | 1,760 sqft |
| 2023-06-01 | 32 days | 1,754 sqft |
| 2023-07-01 | 35 days | 1,760 sqft |
| 2023-08-01 | 38 days | 1,736 sqft |
| 2023-09-01 | 39 days | 1,724 sqft |
| 2023-10-01 | 42 days | 1,675 sqft |
| 2023-11-01 | 45 days | 1,692 sqft |
| 2023-12-01 | 54 days | 1,675 sqft |
| 2024-01-01 | 59 days | 1,699 sqft |
| 2024-02-01 | 45 days | 1,682 sqft |
| 2024-03-01 | 44 days | 1,703 sqft |
| 2024-04-01 | 39 days | 1,704 sqft |
| 2024-05-01 | 35 days | 1,730 sqft |
| 2024-06-01 | 40 days | 1,735 sqft |
| 2024-07-01 | 41 days | 1,727 sqft |
| 2024-08-01 | 43 days | 1,712 sqft |
| 2024-09-01 | 44 days | 1,720 sqft |
| 2024-10-01 | 44 days | 1,714 sqft |
| 2024-11-01 | 48 days | 1,680 sqft |
| 2024-12-01 | 56 days | 1,672 sqft |
| 2025-01-01 | 59 days | 1,652 sqft |
| 2025-02-01 | 49 days | 1,648 sqft |
| 2025-03-01 | 48 days | 1,685 sqft |
| 2025-04-01 | 47 days | 1,694 sqft |
| 2025-05-01 | 45 days | 1,717 sqft |
BAKERSFIELD's median listing age (time on market) for 2025-05-01 was 45 days.
This
is 30%
longer
than the same period one year ago.
BAKERSFIELD's median square footage for active listings during the 2025-05-01 period was 1,717 sqft. One year prior, the average listing was 1,730 sqft.
BAKERSFIELD's median square footage for active listings during the 2025-05-01 period was 1,717 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 | 8,278 | $2,831,780,000 | $342,085 |
| Cash Out Refi | 2,090 | $476,780,000 | $228,124 |
| Other | 1,322 | $108,160,000 | $81,815 |
| Refi | 1,086 | $393,570,000 | $362,403 |
| Home Improvement | 710 | $61,760,000 | $86,986 |
| NA | 11 | $2,585,000 | $235,000 |
Bakersfield's most frequently cited loan purpose was Home Purchase, with 8,278 originations. The 2nd most popular reason was Cash Out Refi, with 2,090 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 5,246 | $1,739,930,000 | $331,668 |
| Over 8% | 2,707 | $335,255,000 | $123,847 |
| 5-6% | 2,567 | $989,915,000 | $385,631 |
| 7-8% | 2,259 | $666,935,000 | $295,235 |
| <2.5% | 388 | $7,220,000 | $18,608 |
| 4-5% | 262 | $100,870,000 | $385,000 |
| 3-4% | 30 | $11,030,000 | $367,667 |
| 2.5-3% | 10 | $2,680,000 | $268,000 |
During 2024, Bakersfield's most frequently originated rate bucket was 6-7%, with 5,246 originations.
Loan Sizing (BAKERSFIELD, CA MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 6,023 | $1,827,365,000 | $303,398 |
| $100,000 or less | 2,621 | $134,235,000 | $51,215 |
| $400k-600k | 2,557 | $1,184,325,000 | $463,170 |
| $100k-200k | 1,938 | $286,170,000 | $147,663 |
| $600k-1000k | 303 | $213,705,000 | $705,297 |
| $Over $1MM | 55 | $228,835,000 | $4,160,636 |
BAKERSFIELD's loan sizing saw the bucket of loans from $200k-400k with 6,023 originations, totaling $1,827,365,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 6,173 | $2,269,715,000 | $367,684 |
| 60-80% | 2,616 | $901,070,000 | $344,446 |
| Under 20% | 2,166 | $111,820,000 | $51,625 |
| 20-40% | 1,175 | $180,735,000 | $153,817 |
| 40-60% | 926 | $249,770,000 | $269,730 |
| Over 100% | 161 | $64,465,000 | $400,404 |
BAKERSFIELD's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 6,173 originations, totaling $2,269,715,000 in origination value.