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
6.21%
for the week of 2024-10-10, compared to the national average of
6.32% for the same period.
The average rate for the prior week (2024-10-03) was
6.01% and
one month ago for the week of 2024-09-05, the
average rate was 6.14%.
Bakersfield's average rate one year ago was 7.58%.
For refis of the same type during the week of 2024-10-10, the average rate
was 6.93%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2024-10-10 | 6.32% |
| Bakersfield 30 Year Fixed Rate | 2024-10-10 | 6.21% |
| Bakersfield 30 Year Fixed Rate Refi | 2024-10-10 | 6.93% |
| Bakersfield 15 Year Fixed Rate | 2024-10-10 | 5.67% |
| Bakersfield 15 Year Fixed Rate Refi | 2024-10-10 | 5.71% |
| Bakersfield 30 Year FHA | 2024-10-10 | 5.98% |
| Bakersfield 30 Year FHA Refi | 2024-10-10 | 6.3% |
| Bakersfield 30 Year USDA | 2024-10-10 | 6.28% |
| Bakersfield 30 Year USDA Refi | 2024-10-10 | 6.08% |
| Bakersfield 30 Year VA | 2024-10-10 | 5.46% |
| Bakersfield 30 Year VA Refi | 2024-10-10 | 5.75% |
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 240 lenders originated 11,743
loans during 2023. The total origination value was $3,150,245,000, with an average loan value of
$268,266.
BAKERSFIELD's average closing costs are $6,666.
The top BAKERSFIELD lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with
682 loans originated. Their average total fees are
$9,751, which is $1,715
higher than the next largest lender,
QUICKEN LOANS, LLC.
The lowest fee BAKERSFIELD lenders (with over 10 loans originated) are
CHEVRON ($2,374), SAFE 1 CREDIT UNION ($2,918), NAVY FEDERAL CREDIT UNION ($3,656), DHI MORTGAGE COMPANY, LTD. ($3,963) and SCHOOLSFIRST ($4,181).
The lowest rate BAKERSFIELD lenders (with over 10 loans originated) are
STRATA Credit Union (5.66%), VALLEY STRONG CREDIT UNION (5.69%), K. HOVNANIAN AMERICAN MORTGAGE, L.L.C. (5.84%), DHI MORTGAGE COMPANY, LTD. (5.85%) and CHEVRON (5.93%).
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 | 2022 Loan Value | 2023 Loan Value | % Change | 2023 Market Share |
|---|---|---|---|---|
| UNITED WHOLESALE MORTGAGE, LLC | $677,070,000 | $506,260,000 | -25.2% | 16.1% |
| QUICKEN LOANS, LLC | $411,675,000 | $210,525,000 | -48.9% | 6.7% |
| Sierra Pacific Mortgage Company, Inc. | $232,485,000 | $150,875,000 | -35.1% | 4.8% |
| LOANDEPOT.COM, LLC | $161,385,000 | $92,250,000 | -42.8% | 2.9% |
| DHI MORTGAGE COMPANY, LTD. | $81,600,000 | $90,355,000 | 10.7% | 2.9% |
| EAGLE HOME MORTGAGE, LLC | $84,235,000 | $84,330,000 | 0.1% | 2.7% |
| VALLEY STRONG CREDIT UNION | $177,290,000 | $75,480,000 | -57.4% | 2.4% |
| Golden Empire Mortgage, Inc. | $142,975,000 | $74,825,000 | -47.7% | 2.4% |
| Century Mortgage Company DBA Century Lending Company | $28,880,000 | $62,815,000 | 117.5% | 2.0% |
| OCMBC, INC. | $48,160,000 | $56,790,000 | 17.9% | 1.8% |
| DIGNIFIED HOME LOANS, LLC | $72,705,000 | $55,165,000 | -24.1% | 1.8% |
| SUMMIT FUNDING, INC. | $58,260,000 | $49,885,000 | -14.4% | 1.6% |
| PENNYMAC LOAN SERVICES, LLC | $67,250,000 | $48,230,000 | -28.3% | 1.5% |
| CROSSCOUNTRY MORTGAGE, LLC | $80,755,000 | $47,295,000 | -41.4% | 1.5% |
| Mortgage Research Center, LLC | $59,325,000 | $42,520,000 | -28.3% | 1.3% |
| MLD MORTGAGE INC. | $67,555,000 | $42,115,000 | -37.7% | 1.3% |
| RESIDENTIAL BANCORP | $54,915,000 | $41,565,000 | -24.3% | 1.3% |
| GUARANTEED RATE, INC. | $64,420,000 | $38,950,000 | -39.5% | 1.2% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $51,410,000 | $34,555,000 | -32.8% | 1.1% |
| U.S. Bank | $38,280,000 | $33,630,000 | -12.1% | 1.1% |
| K. HOVNANIAN AMERICAN MORTGAGE, L.L.C. | $15,050,000 | $30,505,000 | 102.7% | 1.0% |
| Nations Lending Corporation | $64,155,000 | $30,300,000 | -52.8% | 1.0% |
| Wells Fargo Bank | $75,620,000 | $29,035,000 | -61.6% | 0.9% |
| SAFE 1 CREDIT UNION | $27,840,000 | $28,415,000 | 2.1% | 0.9% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $27,980,000 | $24,695,000 | -11.7% | 0.8% |
| NAVY FEDERAL CREDIT UNION | $41,965,000 | $24,395,000 | -41.9% | 0.8% |
| Bank of America | $39,975,000 | $24,320,000 | -39.2% | 0.8% |
| Paramount Residential Mortgage Group, Inc. | $22,720,000 | $24,265,000 | 6.8% | 0.8% |
| AMERICAN FINANCIAL NETWORK, INC. | $23,065,000 | n/a | 0.7% | |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $52,680,000 | $22,680,000 | -56.9% | 0.7% |
| MICHIGAN MUTUAL, INC. | $21,510,000 | $21,720,000 | 1.0% | 0.7% |
| GUILD MORTGAGE COMPANY | $36,850,000 | $21,125,000 | -42.7% | 0.7% |
| POINT Mortgage | $20,960,000 | n/a | 0.7% | |
| Mr. Cooper ( Nationstar Mortgage ) | $72,835,000 | $19,765,000 | -72.9% | 0.6% |
| BECKAM FUNDING CORP. | $17,615,000 | $19,555,000 | 11.0% | 0.6% |
| JPMorgan Chase Bank | $48,160,000 | $19,500,000 | -59.5% | 0.6% |
| BROKER SOLUTIONS, INC. | $41,940,000 | $18,420,000 | -56.1% | 0.6% |
| NEWREZ LLC | $19,495,000 | $17,465,000 | -10.4% | 0.6% |
| PLANET HOME LENDING, LLC | $4,860,000 | $16,205,000 | 233.4% | 0.5% |
| FREEDOM MORTGAGE CORPORATION | $63,240,000 | $16,015,000 | -74.7% | 0.5% |
| Prudential Huntoon Paige Associates, LLC | $15,490,000 | n/a | 0.5% | |
| Flagstar Bank, FSB | $22,795,000 | $15,155,000 | -33.5% | 0.5% |
| DRAPER AND KRAMER MORTGAGE CORP. | $10,500,000 | $14,885,000 | 41.8% | 0.5% |
| LENDINGHOME FUNDING CORPORATION | $11,620,000 | $14,460,000 | 24.4% | 0.5% |
| AMWEST FUNDING CORP. | $30,005,000 | $14,375,000 | -52.1% | 0.5% |
| GREYSTONE SERVICING COMPANY LLC | $14,360,000 | n/a | 0.5% | |
| East West Bank | $35,800,000 | $13,130,000 | -63.3% | 0.4% |
| STRATA Credit Union | $15,970,000 | $12,905,000 | -19.2% | 0.4% |
| Tri Counties Bank | $27,515,000 | $12,885,000 | -53.2% | 0.4% |
| ALAMEDA MORTGAGE CORPORATION | $10,895,000 | $12,600,000 | 15.6% | 0.4% |
| CASTLE & COOKE MORTGAGE, LLC | $29,100,000 | $12,375,000 | -57.5% | 0.4% |
| Farmers & Merchants Bank of Central California | $12,075,000 | n/a | 0.4% | |
| Platinum Home Mortgage Corporation | $50,650,000 | $11,715,000 | -76.9% | 0.4% |
| SECURITYNATIONAL MORTGAGE COMPANY | $24,900,000 | $11,595,000 | -53.4% | 0.4% |
| PLAZA HOME MORTGAGE, INC. | $11,205,000 | $11,290,000 | 0.8% | 0.4% |
| Equity Prime Mortgage LLC | $18,350,000 | $11,250,000 | -38.7% | 0.4% |
| THE GOLDEN 1 | $4,580,000 | $10,655,000 | 132.6% | 0.3% |
| JMAC LENDING, INC. | $3,405,000 | $10,545,000 | 209.7% | 0.3% |
| AMERISAVE MORTGAGE CORPORATION | $35,150,000 | $10,325,000 | -70.6% | 0.3% |
| Citizens Business Bank | $4,900,000 | $9,710,000 | 98.2% | 0.3% |
| SUN WEST MORTGAGE COMPANY, INC. | $9,990,000 | $9,500,000 | -4.9% | 0.3% |
| AltaOne Federal Credit Union | $39,065,000 | $9,455,000 | -75.8% | 0.3% |
| Commerce Home Mortgage, Inc. | $19,790,000 | $9,390,000 | -52.6% | 0.3% |
| AUGUSTA FINANCIAL, INC. | $11,540,000 | $9,280,000 | -19.6% | 0.3% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $11,150,000 | $9,035,000 | -19.0% | 0.3% |
| American Mortgage & Equity Consultants, Inc. | $8,785,000 | n/a | 0.3% | |
| NATIONS DIRECT MORTGAGE, LLC | $17,550,000 | $8,325,000 | -52.6% | 0.3% |
| PNC Bank | $21,230,000 | $8,275,000 | -61.0% | 0.3% |
| SCHOOLSFIRST | $11,860,000 | $8,265,000 | -30.3% | 0.3% |
| CMG MORTGAGE, INC. | $38,945,000 | $8,045,000 | -79.3% | 0.3% |
| Carrington Mortgage Services, LLC | $14,165,000 | $7,995,000 | -43.6% | 0.3% |
| Discover Bank | $5,590,000 | $7,865,000 | 40.7% | 0.2% |
| CHEVRON | $15,515,000 | $7,695,000 | -50.4% | 0.2% |
| NEXERA HOLDING LLC | $4,110,000 | $7,440,000 | 81.0% | 0.2% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $14,535,000 | $7,375,000 | -49.3% | 0.2% |
| LOGIX FEDERAL CREDIT UNION | $16,440,000 | $7,320,000 | -55.5% | 0.2% |
| NEW WAVE LENDING GROUP INC | $4,730,000 | $7,250,000 | 53.3% | 0.2% |
| BMO Harris Bank | $655,000 | $7,015,000 | 971.0% | 0.2% |
| MOVEMENT MORTGAGE, LLC | $12,415,000 | $6,875,000 | -44.6% | 0.2% |
| MORTGAGE MANAGEMENT CONSULTANTS, INC. | $9,100,000 | $6,635,000 | -27.1% | 0.2% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $7,825,000 | $6,610,000 | -15.5% | 0.2% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $14,555,000 | $6,585,000 | -54.8% | 0.2% |
| MOUNTAIN WEST FINANCIAL, INC. | $11,890,000 | $6,560,000 | -44.8% | 0.2% |
| Mechanics Bank | $43,455,000 | $6,465,000 | -85.1% | 0.2% |
| FBC MORTGAGE, LLC | $15,745,000 | $6,300,000 | -60.0% | 0.2% |
| CAMPOS FINANCIAL CORP. | $7,760,000 | $6,130,000 | -21.0% | 0.2% |
| ORIX REAL ESTATE CAPITAL, LLC | $2,190,000 | $6,025,000 | 175.1% | 0.2% |
| River City Bank | $6,005,000 | n/a | 0.2% | |
| 21ST MORTGAGE CORPORATION | $5,090,000 | $5,645,000 | 10.9% | 0.2% |
| Arbor Realty Trust, Inc. | $2,265,000 | $5,505,000 | 143.0% | 0.2% |
| LOANPAL, LLC | $13,735,000 | $5,330,000 | -61.2% | 0.2% |
| Hometown Equity Mortgage, LLC | $14,630,000 | $5,310,000 | -63.7% | 0.2% |
| Figure Lending LLC | $4,535,000 | $4,775,000 | 5.3% | 0.2% |
| The Loan Store, Inc. | $4,450,000 | n/a | 0.1% | |
| The Federal Savings Bank | $6,940,000 | $4,395,000 | -36.7% | 0.1% |
| First Northern Bank of Dixon | $4,385,000 | n/a | 0.1% | |
| Self-Help Federal Credit Union | $3,680,000 | $4,325,000 | 17.5% | 0.1% |
| FIRST ENTERTAINMENT | $3,565,000 | $4,300,000 | 20.6% | 0.1% |
| BAY-VALLEY MORTGAGE GROUP | $4,155,000 | n/a | 0.1% | |
| VILLAGE CAPITAL MORTGAGE | $4,525,000 | $4,135,000 | -8.6% | 0.1% |
| BAY EQUITY LLC | $8,240,000 | $4,050,000 | -50.8% | 0.1% |
| Merchants Capital Corp. | $4,005,000 | n/a | 0.1% | |
| AMERITRUST MORTGAGE CORPORATION | $3,890,000 | n/a | 0.1% | |
| CALCON MUTUAL MORTGAGE LLC | $5,425,000 | $3,780,000 | -30.3% | 0.1% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $2,480,000 | $3,610,000 | 45.6% | 0.1% |
| Performance Financial, Inc. | $3,565,000 | n/a | 0.1% | |
| CARDINAL FINANCIAL | $23,145,000 | $3,560,000 | -84.6% | 0.1% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | $9,030,000 | $3,550,000 | -60.7% | 0.1% |
| Franklin Loan Corporation | $1,260,000 | $3,450,000 | 173.8% | 0.1% |
| NMSI, INC. | $5,315,000 | $3,405,000 | -35.9% | 0.1% |
| USAA Federal Savings Bank | $11,485,000 | $3,350,000 | -70.8% | 0.1% |
| HOME APPROVALS DIRECT, INC. | $4,170,000 | $3,330,000 | -20.1% | 0.1% |
| TRIAD FINANCIAL SERVICES, INC. | $1,945,000 | $3,260,000 | 67.6% | 0.1% |
| Merchants Mortgage & Trust Corporation | $3,110,000 | $3,225,000 | 3.7% | 0.1% |
| Firefighters First Federal Credit Union | $6,095,000 | $3,210,000 | -47.3% | 0.1% |
| MANN FINANCIAL INC. | $665,000 | $3,165,000 | 375.9% | 0.1% |
| ACADEMY MORTGAGE CORPORATION | $2,170,000 | $2,975,000 | 37.1% | 0.1% |
| Coastal Community Bank | $2,930,000 | n/a | 0.1% | |
| ZILLOW HOME LOANS, LLC | $3,750,000 | $2,845,000 | -24.1% | 0.1% |
| PANORAMA MORTGAGE GROUP, LLC | $3,690,000 | $2,760,000 | -25.2% | 0.1% |
| ALLIANT CREDIT UNION | $2,825,000 | $2,690,000 | -4.8% | 0.1% |
| AmeriHome Mortgage Company, LLC | $820,000 | $2,645,000 | 222.6% | 0.1% |
| Citadel Servicing Corporation | $3,790,000 | $2,620,000 | -30.9% | 0.1% |
| Citibank | $21,060,000 | $2,585,000 | -87.7% | 0.1% |
| FINANCE OF AMERICA REVERSE LLC | $3,885,000 | $2,500,000 | -35.6% | 0.1% |
| LONGBRIDGE FINANCIAL, LLC | $2,805,000 | $2,445,000 | -12.8% | 0.1% |
| CUSTOMER SERVICE MORTGAGE CORPORATION | $3,835,000 | $2,430,000 | -36.6% | 0.1% |
| Greenbox Loans, Inc. | $9,940,000 | $2,345,000 | -76.4% | 0.1% |
| HOMEXPRESS MORTGAGE CORP. | $2,240,000 | $2,330,000 | 4.0% | 0.1% |
| GENEVA FINANCIAL, LLC | $1,895,000 | $2,295,000 | 21.1% | 0.1% |
| Zions Bank | $1,730,000 | $2,275,000 | 31.5% | 0.1% |
| LADERA LENDING, INC. | $4,495,000 | $2,255,000 | -49.8% | 0.1% |
| Lakeview Community Capital, LLC | $16,545,000 | $2,240,000 | -86.5% | 0.1% |
| Third Federal Savings and Loan Association of Cleveland | $985,000 | $2,235,000 | 126.9% | 0.1% |
| First-Citizens Bank & Trust Company | $945,000 | $2,210,000 | 133.9% | 0.1% |
| VISION ONE MORTGAGE, INC. | $1,465,000 | $2,180,000 | 48.8% | 0.1% |
| Logan Finance Corporation | $390,000 | $2,160,000 | 453.8% | 0.1% |
| Prosperity Home Mortgage, LLC | $1,300,000 | $2,115,000 | 62.7% | 0.1% |
| BM Real Estate Services, Inc. | $1,790,000 | $2,095,000 | 17.0% | 0.1% |
| AMERICAN INTERNET MORTGAGE, INC. | $3,860,000 | $2,085,000 | -46.0% | 0.1% |
| M&T Bank | $2,315,000 | $2,010,000 | -13.2% | 0.1% |
| PREMIA MORTGAGE, LLC | $1,205,000 | $2,005,000 | 66.4% | 0.1% |
| AHL FUNDING | $1,405,000 | $2,000,000 | 42.3% | 0.1% |
| ARC HOME LLC | $2,320,000 | $1,995,000 | -14.0% | 0.1% |
| NETWORK CAPITAL FUNDING CORPORATION | $4,575,000 | $1,995,000 | -56.4% | 0.1% |
| COMMUNITY MORTGAGE FUNDING, LLC | $325,000 | $1,985,000 | 510.8% | 0.1% |
| CALIBER HOME LOANS, INC. | $86,245,000 | $1,955,000 | -97.7% | 0.1% |
| NEW DAY FINANCIAL, LLC | $7,840,000 | $1,935,000 | -75.3% | 0.1% |
| CLEARPATH LENDING | $4,440,000 | $1,915,000 | -56.9% | 0.1% |
| SPRING EQ, LLC | $6,840,000 | $1,900,000 | -72.2% | 0.1% |
| Truist | $2,460,000 | $1,870,000 | -24.0% | 0.1% |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | $825,000 | $1,865,000 | 126.1% | 0.1% |
| Educational Employees Credit Union | $1,320,000 | $1,850,000 | 40.2% | 0.1% |
| iCore Lending, Inc. | $2,775,000 | $1,850,000 | -33.3% | 0.1% |
| DEEPHAVEN MORTGAGE LLC | $845,000 | $1,845,000 | 118.3% | 0.1% |
| NBKC BANK | $4,345,000 | $1,780,000 | -59.0% | 0.1% |
| Financial Partners Credit Union | $5,560,000 | $1,770,000 | -68.2% | 0.1% |
| PENTAGON FEDERAL CREDIT UNION | $4,040,000 | $1,765,000 | -56.3% | 0.1% |
| AMERICAN FINANCING CORPORATION | $6,630,000 | $1,745,000 | -73.7% | 0.1% |
| HOMESIDE FINANCIAL, LLC | $6,885,000 | $1,720,000 | -75.0% | 0.1% |
| LENDSURE MORTGAGE CORP. | $1,020,000 | $1,685,000 | 65.2% | 0.1% |
| Citizens Bank | $2,215,000 | $1,680,000 | -24.2% | 0.1% |
| MORTGAGE CAPITAL PARTNERS, INC. | $2,435,000 | $1,665,000 | -31.6% | 0.1% |
| Provident Savings Bank, F.S.B. | $5,585,000 | $1,620,000 | -71.0% | 0.1% |
| JMJ FINANCIAL GROUP | $2,850,000 | $1,585,000 | -44.4% | 0.1% |
| Watermark Capital, Inc. | $9,710,000 | $1,570,000 | -83.8% | 0.0% |
| LANTZMAN MANAGEMENT, INC. | $2,505,000 | $1,560,000 | -37.7% | 0.0% |
| UNION HOME MORTGAGE CORP. | $435,000 | $1,530,000 | 251.7% | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | $2,715,000 | $1,525,000 | -43.8% | 0.0% |
| BETTER MORTGAGE CORPORATION | $13,170,000 | $1,520,000 | -88.5% | 0.0% |
| ML Mortgage Corp. | $1,100,000 | $1,510,000 | 37.3% | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | $15,870,000 | $1,480,000 | -90.7% | 0.0% |
| PHH Mortgage Corporation | $6,065,000 | $1,460,000 | -75.9% | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $1,545,000 | $1,435,000 | -7.1% | 0.0% |
| A&D Mortgage LLC | $3,105,000 | $1,405,000 | -54.8% | 0.0% |
| NexBank | $3,910,000 | $1,390,000 | -64.5% | 0.0% |
| VENTURA COUNTY | $680,000 | $1,340,000 | 97.1% | 0.0% |
| AMERICAN HERITAGE LENDING, INC. | $1,380,000 | $1,315,000 | -4.7% | 0.0% |
| GEO-CORP, INC. | $1,260,000 | n/a | 0.0% | |
| Charles Schwab Bank, SSB | $1,250,000 | n/a | 0.0% | |
| KINECTA | $2,045,000 | $1,235,000 | -39.6% | 0.0% |
| MORTGAGE 1 INCORPORATED | $1,175,000 | n/a | 0.0% | |
| EVERETT FINANCIAL, INC. | $6,380,000 | $1,165,000 | -81.7% | 0.0% |
| Plains Commerce Bank | $1,165,000 | n/a | 0.0% | |
| PACIFIC SERVICE | $1,350,000 | $1,090,000 | -19.3% | 0.0% |
| First Standard Financial Corp. | $1,535,000 | $1,055,000 | -31.3% | 0.0% |
| First Savings Bank | $1,495,000 | $1,045,000 | -30.1% | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | $3,610,000 | $1,035,000 | -71.3% | 0.0% |
| ENCORE BANK | $1,035,000 | n/a | 0.0% | |
| MID AMERICA MORTGAGE, INC. | $2,290,000 | $1,000,000 | -56.3% | 0.0% |
| Bank of England | $905,000 | $970,000 | 7.2% | 0.0% |
| Alaska USA Federal Credit Union | $95,000 | $965,000 | 915.8% | 0.0% |
| CHERRY CREEK MORTGAGE, LLC | $2,125,000 | $965,000 | -54.6% | 0.0% |
| TOP FLITE FINANCIAL, INC. | $4,825,000 | $955,000 | -80.2% | 0.0% |
| First National Bank of America | $1,055,000 | $950,000 | -10.0% | 0.0% |
| ENVOY MORTGAGE, LTD | $1,870,000 | $940,000 | -49.7% | 0.0% |
| ROYAL UNITED MORTGAGE LLC | $1,010,000 | $925,000 | -8.4% | 0.0% |
| BANC ONE MORTGAGE CORPORATION | $1,105,000 | $920,000 | -16.7% | 0.0% |
| F&A Federal Credit Union | $1,045,000 | $915,000 | -12.4% | 0.0% |
| R M K FINANCIAL CORP. | $13,020,000 | $915,000 | -93.0% | 0.0% |
| Barrington Bank & Trust Company, N.A. | $3,300,000 | $910,000 | -72.4% | 0.0% |
| Financial Funding Solutions, Inc. | $335,000 | $910,000 | 171.6% | 0.0% |
| STAR ONE CREDIT UNION | $575,000 | $895,000 | 55.7% | 0.0% |
| Magnolia Bank | $1,050,000 | $885,000 | -15.7% | 0.0% |
| Banner Bank | $375,000 | $870,000 | 132.0% | 0.0% |
| MASON MCDUFFIE MORTGAGE CORPORATION | $1,595,000 | $870,000 | -45.5% | 0.0% |
| CALIFORNIA CREDIT UNION | $1,250,000 | $860,000 | -31.2% | 0.0% |
| EVERGREEN MONEYSOURCE MORTGAGE COMPANY | $4,700,000 | $840,000 | -82.1% | 0.0% |
| INTELLILOAN, INC. | $1,450,000 | $835,000 | -42.4% | 0.0% |
| Armed Forces Bank | $4,920,000 | $810,000 | -83.5% | 0.0% |
| Northwest Farm Credit Services, FLCA | $235,000 | $805,000 | 242.6% | 0.0% |
| HighTechLending Inc | $5,420,000 | $790,000 | -85.4% | 0.0% |
| LIMA ONE CAPITAL, LLC | $145,000 | $780,000 | 437.9% | 0.0% |
| Stifel Bank and Trust | $355,000 | $745,000 | 109.9% | 0.0% |
| Ally Bank | $3,720,000 | $735,000 | -80.2% | 0.0% |
| NORTHROP GRUMMAN Federal Credit Union | $1,975,000 | $735,000 | -62.8% | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | $135,000 | $725,000 | 437.0% | 0.0% |
| MORTGAGEONE, INC. | $715,000 | n/a | 0.0% | |
| Farmers Bank & Trust | $705,000 | n/a | 0.0% | |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | $1,565,000 | $700,000 | -55.3% | 0.0% |
| Evolve Bank & Trust | $695,000 | n/a | 0.0% | |
| LENDINGONE, LLC | $300,000 | $695,000 | 131.7% | 0.0% |
| WESCOM CENTRAL CREDIT UNION | $1,820,000 | $685,000 | -62.4% | 0.0% |
| ON Q FINANCIAL, INC. | $5,975,000 | $670,000 | -88.8% | 0.0% |
| TJC Mortgage, Inc. | $720,000 | $660,000 | -8.3% | 0.0% |
| AMCAP MORTGAGE, LTD. | $4,040,000 | $650,000 | -83.9% | 0.0% |
| MK LENDING CORP. | $4,985,000 | $650,000 | -87.0% | 0.0% |
| Strong Home Mortgage, LLC | $4,655,000 | $635,000 | -86.4% | 0.0% |
| First Bank | $510,000 | $630,000 | 23.5% | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION | $915,000 | $620,000 | -32.2% | 0.0% |
| ONY GLO, INC. | $3,245,000 | $615,000 | -81.0% | 0.0% |
| SOVEREIGN LENDING GROUP INCORPORATED | $775,000 | $600,000 | -22.6% | 0.0% |
| Valley First Credit Union | $595,000 | n/a | 0.0% | |
| VAL-CHRIS INVESTMENTS, INC. | $590,000 | n/a | 0.0% | |
| ARROWHEAD CENTRAL CREDIT UNION | $585,000 | n/a | 0.0% | |
| TOTAL MORTGAGE SERVICES, LLC | $580,000 | n/a | 0.0% | |
| CREDIT HUMAN FEDERAL CREDIT UNION | $1,115,000 | $575,000 | -48.4% | 0.0% |
| MORTGAGE ACCESS CORP. | $405,000 | $575,000 | 42.0% | 0.0% |
| VERITAS FUNDING, LLC | $930,000 | $560,000 | -39.8% | 0.0% |
| MORIA DEVELOPMENT, INC. | $4,140,000 | $555,000 | -86.6% | 0.0% |
| NFM, INC. | $2,420,000 | $550,000 | -77.3% | 0.0% |
| VICTORIA FINANCIAL CORP. | $315,000 | $550,000 | 74.6% | 0.0% |
| AMERICAN FINANCE HOUSE LARIBA | $165,000 | $545,000 | 230.3% | 0.0% |
| CALTECH EMPLOYEES FEDERAL CREDIT UNION | $510,000 | $540,000 | 5.9% | 0.0% |
| ST FIN CORP | $540,000 | n/a | 0.0% | |
| Waterstone Mortgage Corporation | $285,000 | $540,000 | 89.5% | 0.0% |
| DIRECT MORTGAGE LOANS, LLC | $535,000 | n/a | 0.0% | |
| First National Bank and Trust Company | $535,000 | n/a | 0.0% | |
| First City Credit Union | $525,000 | n/a | 0.0% | |
| Bank of the West | $16,425,000 | $520,000 | -96.8% | 0.0% |
| LENDING 3, INC. | $195,000 | $520,000 | 166.7% | 0.0% |
| ALTURA | $105,000 | $515,000 | 390.5% | 0.0% |
| GTE Federal Credit Union | $135,000 | $510,000 | 277.8% | 0.0% |
| Morgan Stanley Private Bank | $920,000 | $510,000 | -44.6% | 0.0% |
| American Airlines Federal Credit Union | $85,000 | $505,000 | 494.1% | 0.0% |
| Arvest Bank | $2,590,000 | $505,000 | -80.5% | 0.0% |
| DIGITAL Federal Credit Union | $230,000 | $505,000 | 119.6% | 0.0% |
| BNC National Bank | $1,155,000 | $495,000 | -57.1% | 0.0% |
| Comerica Bank | $825,000 | $495,000 | -40.0% | 0.0% |
| First Federal Bank | $375,000 | $480,000 | 28.0% | 0.0% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | $660,000 | $480,000 | -27.3% | 0.0% |
| OAKTREE FUNDING CORP. | $845,000 | $470,000 | -44.4% | 0.0% |
| MYCUMORTGAGE, LLC | $465,000 | n/a | 0.0% | |
| T. J. FINANCIAL, INC. | $1,540,000 | $460,000 | -70.1% | 0.0% |
| AmRes Corporation | $185,000 | $455,000 | 145.9% | 0.0% |
| Credit Union of Southern California | $1,510,000 | $450,000 | -70.2% | 0.0% |
| WALL FINANCIAL, INC. | $1,600,000 | $450,000 | -71.9% | 0.0% |
| DAS Acquisition Company, LLC | $3,510,000 | $445,000 | -87.3% | 0.0% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | $445,000 | n/a | 0.0% | |
| CITY FIRST MORTGAGE SERVICES, L.L.C. | $245,000 | $425,000 | 73.5% | 0.0% |
| LAND HOME FINANCIAL SERVICES, INC. | $420,000 | $420,000 | 0.0% | 0.0% |
| COAST 2 COAST FUNDING GROUP, INC. | $125,000 | $415,000 | 232.0% | 0.0% |
| FIRST ALLIANCE HOME MORTGAGE, LLC | $415,000 | n/a | 0.0% | |
| BRIDGELOCK CAPITAL | $245,000 | $405,000 | 65.3% | 0.0% |
| COASTAL FUNDING SLC, INC. | $2,885,000 | $405,000 | -86.0% | 0.0% |
| PLUS RELOCATION MORTGAGE, LLC | $405,000 | n/a | 0.0% | |
| EMM LOANS LLC | $595,000 | $400,000 | -32.8% | 0.0% |
| BAY | $395,000 | n/a | 0.0% | |
| OPEN MORTGAGE, LLC | $620,000 | $390,000 | -37.1% | 0.0% |
| CENTRAL COAST LENDING, INC. | $1,045,000 | $385,000 | -63.2% | 0.0% |
| HONDA Federal Credit Union | $35,000 | $385,000 | 1,000.0% | 0.0% |
| LEADERONE FINANCIAL CORPORATION | $335,000 | $385,000 | 14.9% | 0.0% |
| FRONTWAVE | $335,000 | $380,000 | 13.4% | 0.0% |
| Wyndham Capital Mortgage, Inc. | $3,675,000 | $375,000 | -89.8% | 0.0% |
| CIVIC FINANCIAL SERVICES, LLC | $8,735,000 | $365,000 | -95.8% | 0.0% |
| Colonial Savings, F.A. | $250,000 | $365,000 | 46.0% | 0.0% |
| SAMMAMISH MORTGAGE COMPANY | $365,000 | n/a | 0.0% | |
| HSBC BANK USA, NATIONAL ASSOCIATION | $680,000 | $360,000 | -47.1% | 0.0% |
| 5TH STREET CAPITAL, INC. | $2,560,000 | $355,000 | -86.1% | 0.0% |
| AXIA FINANCIAL, LLC | $2,965,000 | $355,000 | -88.0% | 0.0% |
| FLAT BRANCH MORTGAGE, INC. | $315,000 | $355,000 | 12.7% | 0.0% |
| INTERCAP LENDING INC. | $470,000 | $355,000 | -24.5% | 0.0% |
| NATIONS RELIABLE LENDING, LLC | $640,000 | $355,000 | -44.5% | 0.0% |
| NORWICH COMMERCIAL GROUP, INC. | $355,000 | n/a | 0.0% | |
| MACKILLIE INCORPORATED | $350,000 | n/a | 0.0% | |
| V.I.P. MORTGAGE, INC. | $1,785,000 | $350,000 | -80.4% | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | $1,595,000 | $345,000 | -78.4% | 0.0% |
| GUIDANCE RESIDENTIAL, LLC | $255,000 | $345,000 | 35.3% | 0.0% |
| HomePromise Corporation | $345,000 | n/a | 0.0% | |
| UNIVERSAL CITY STUDIOS Federal Credit union | $345,000 | n/a | 0.0% | |
| HomeStreet Bank | $61,225,000 | $335,000 | -99.5% | 0.0% |
| PARTNERS | $585,000 | $335,000 | -42.7% | 0.0% |
| FIRST NATIONS HOME FINANCE CORPORATION | $345,000 | $315,000 | -8.7% | 0.0% |
| GEORGIA'S OWN | $1,070,000 | $315,000 | -70.6% | 0.0% |
| ISERVE RESIDENTIAL LENDING, LLC | $500,000 | $315,000 | -37.0% | 0.0% |
| Preferred Bank | $7,455,000 | $315,000 | -95.8% | 0.0% |
| San Joaquin Power Employees Credit Union | $760,000 | $315,000 | -58.6% | 0.0% |
| SIRVA MORTGAGE, INC. | $315,000 | n/a | 0.0% | |
| The Central Trust Bank | $355,000 | $315,000 | -11.3% | 0.0% |
| Chicago Mortgage Solutions LLC | $1,960,000 | $305,000 | -84.4% | 0.0% |
| GSF Mortgage Corporation | $175,000 | $305,000 | 74.3% | 0.0% |
| UNIVERSITY CREDIT UNION | $1,335,000 | $305,000 | -77.2% | 0.0% |
| NuVision Federal Credit Union | $1,320,000 | $300,000 | -77.3% | 0.0% |
| AEROSPACE FEDERAL CREDIT UNION | $295,000 | n/a | 0.0% | |
| Advisors Mortgage Group, L.L.C. | $215,000 | $290,000 | 34.9% | 0.0% |
| Residential Mortgage Solutions, Inc. | $290,000 | n/a | 0.0% | |
| AMERICAN FINANCIAL RESOURCES, INC. | $1,635,000 | $285,000 | -82.6% | 0.0% |
| CIS Financial Services, Inc. | $45,000 | $285,000 | 533.3% | 0.0% |
| OCEANSIDE MORTGAGE COMPANY | $275,000 | n/a | 0.0% | |
| BEST FINANCE CAPITAL, INC. | $125,000 | $265,000 | 112.0% | 0.0% |
| STANFORD Federal Credit Union | $365,000 | $265,000 | -27.4% | 0.0% |
| HomeTrust Bank | $105,000 | $260,000 | 147.6% | 0.0% |
| United Fidelity Funding Corp. | $335,000 | $255,000 | -23.9% | 0.0% |
| CANOPY MORTGAGE, LLC | $675,000 | $245,000 | -63.7% | 0.0% |
| GLENDALE AREA SCHOOLS CREDIT UNION | $400,000 | $245,000 | -38.8% | 0.0% |
| LOANLEADERS OF AMERICA, INC. | $1,060,000 | $245,000 | -76.9% | 0.0% |
| NP, Inc. | $1,135,000 | $245,000 | -78.4% | 0.0% |
| UME FEDERAL CREDIT UNION | $245,000 | n/a | 0.0% | |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | $290,000 | $240,000 | -17.2% | 0.0% |
| LOS ANGELES POLICE Federal Credit Union | $1,085,000 | $240,000 | -77.9% | 0.0% |
| CBC Federal Credit Union | $235,000 | n/a | 0.0% | |
| Chickasaw Community Bank | $235,000 | n/a | 0.0% | |
| FOUNDATION MORTGAGE CORPORATION | $235,000 | n/a | 0.0% | |
| Mortgage Vintage, Inc. | $235,000 | n/a | 0.0% | |
| KeyBank | $1,695,000 | $225,000 | -86.7% | 0.0% |
| LBS FINANCIAL | $440,000 | $225,000 | -48.9% | 0.0% |
| North American Savings Bank, F.S.B. | $4,520,000 | $225,000 | -95.0% | 0.0% |
| Umpqua Bank | $2,020,000 | $220,000 | -89.1% | 0.0% |
| SCENIC OAKS FUNDING, INC. | $940,000 | $205,000 | -78.2% | 0.0% |
| UIF CORPORATION | $1,185,000 | $205,000 | -82.7% | 0.0% |
| DATA MORTGAGE, INC. | $145,000 | $195,000 | 34.5% | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | $480,000 | $195,000 | -59.4% | 0.0% |
| TOGETHER CREDIT UNION | $190,000 | n/a | 0.0% | |
| FAY SERVICING, LLC | $1,175,000 | $185,000 | -84.3% | 0.0% |
| Loan Simple, Inc. | $185,000 | n/a | 0.0% | |
| S1L, Inc. | $4,410,000 | $185,000 | -95.8% | 0.0% |
| WALL STREET MORTGAGE BANKERS, LTD. | $545,000 | $185,000 | -66.1% | 0.0% |
| Bethpage Federal Credit Union | $965,000 | $175,000 | -81.9% | 0.0% |
| RADIUS FINANCIAL GROUP INC. | $175,000 | n/a | 0.0% | |
| RF Renovo Management Company, LLC | $825,000 | $175,000 | -78.8% | 0.0% |
| GREAT LAKES | $110,000 | $165,000 | 50.0% | 0.0% |
| Water and Power Community Credit Union | $165,000 | n/a | 0.0% | |
| I.L.W.U. CREDIT UNION | $160,000 | n/a | 0.0% | |
| PACIFIC RESIDENTIAL MORTGAGE, LLC | $160,000 | n/a | 0.0% | |
| SESLOC | $450,000 | $160,000 | -64.4% | 0.0% |
| Neighborhood Loans, Inc. | $355,000 | $155,000 | -56.3% | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | $265,000 | $145,000 | -45.3% | 0.0% |
| POPA FEDERAL CREDIT UNION | $285,000 | $145,000 | -49.1% | 0.0% |
| CERTIFIED | $400,000 | $140,000 | -65.0% | 0.0% |
| Signature Federal Credit Union | $155,000 | $130,000 | -16.1% | 0.0% |
| Academy Bank | $125,000 | n/a | 0.0% | |
| QUORUM FEDERAL CREDIT UNION | $930,000 | $125,000 | -86.6% | 0.0% |
| Truity Federal Credit Union | $125,000 | n/a | 0.0% | |
| Beeline Loans, Inc. | $115,000 | n/a | 0.0% | |
| LA Financial Federal Credit Union | $355,000 | $110,000 | -69.0% | 0.0% |
| REDWOOD | $110,000 | n/a | 0.0% | |
| EQUITY WAVE LENDING, INC. | $665,000 | $105,000 | -84.2% | 0.0% |
| Fifth Third Bank | $530,000 | $105,000 | -80.2% | 0.0% |
| North Coast Financial, Inc. | $105,000 | n/a | 0.0% | |
| USC Credit Union | $105,000 | n/a | 0.0% | |
| ORANGE COUNTY'S CREDIT UNION | $420,000 | $100,000 | -76.2% | 0.0% |
| PATELCO | $270,000 | $100,000 | -63.0% | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $400,000 | $100,000 | -75.0% | 0.0% |
| Deseret First Credit Union | $25,000 | $95,000 | 280.0% | 0.0% |
| Baxter Credit Union | $195,000 | $90,000 | -53.8% | 0.0% |
| UNIFY FINANCIAL Credit Union | $935,000 | $75,000 | -92.0% | 0.0% |
| 1ST UNITED SERVICES CREDIT UNION | $65,000 | n/a | 0.0% | |
| CITIZENS EQUITY FIRST | $65,000 | n/a | 0.0% | |
| Deere Employees Credit Union | $65,000 | n/a | 0.0% | |
| California Coast Credit Union | $335,000 | $55,000 | -83.6% | 0.0% |
| CORNING | $25,000 | $55,000 | 120.0% | 0.0% |
| LAFAYETTE FEDERAL CREDIT UNION | $55,000 | $55,000 | 0.0% | 0.0% |
| MERIWEST | $65,000 | $55,000 | -15.4% | 0.0% |
| TECHNOLOGY | $55,000 | n/a | 0.0% | |
| THRIVENT Federal Credit Union | $55,000 | n/a | 0.0% | |
| TOWER | $160,000 | $55,000 | -65.6% | 0.0% |
| TULARE COUNTY | $220,000 | $55,000 | -75.0% | 0.0% |
| USAlliance Federal Credit Union | $75,000 | $55,000 | -26.7% | 0.0% |
| Connexus Credit Union | $45,000 | n/a | 0.0% | |
| FARMERS INSURANCE GROUP FEDERAL CREDIT UNION | $475,000 | $45,000 | -90.5% | 0.0% |
| MidFirst Bank | $85,000 | $45,000 | -47.1% | 0.0% |
| Boeing Employees Credit Union | $860,000 | $35,000 | -95.9% | 0.0% |
| TRAVIS CREDIT UNION | $325,000 | $35,000 | -89.2% | 0.0% |
| UTILITIES EMPLOYEES CREDIT UNION | $35,000 | n/a | 0.0% | |
| VA Desert Pacific FCU | $25,000 | n/a | 0.0% |
BAKERSFIELD's top lender by overall market share is UNITED WHOLESALE MORTGAGE, LLC, with 16.1% market share. In second place, with 6.7%, is QUICKEN LOANS, LLC, having originated $210,525,000 in loans. In third place, with 4.8%, is Sierra Pacific Mortgage Company, Inc., having originated $150,875,000 in loans. In fourth place, with 2.9%, is LOANDEPOT.COM, LLC, having originated $92,250,000 in loans. In fifth place, with 2.9%, is DHI MORTGAGE COMPANY, LTD., having originated $90,355,000 in loans.