Mortgage lending in Bakersfield-Delano, CA
14,914 mortgages were originated in the Bakersfield-Delano, CA area in 2025, and here is what they cost.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 14,914
- Median rate
- 6.625%
- Median lender fees
- $8,446
- Median loan amount
- $275,000
- Median spread over APOR
- 0.377
- Paid discount points
- 44.7%
- Received lender credits
- 22.3%
- Purchases / refinances
- 56.4% / 26.6%
- Conventional / FHA / VA
- 65.8% / 25.8% / 8.2%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 73.6% of loans here — see methodology.
Who lent here
Lenders with at least 50 loans in the Bakersfield-Delano, CA area, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 1,788 | $10,902 | 6.125% |
| Rocket Mortgage, LLC | 1,169 | $6,077 | 6.750% |
| VALLEY STRONG CREDIT UNION | 824 | $3,338 | 8.000% |
| KIND LENDING, LLC | 464 | $10,919 | 6.500% |
| GOLDEN EMPIRE MORTGAGE, INC. | 462 | $13,275 | 6.250% |
| MORIA DEVELOPMENT, INC. | 459 | $9,500 | 6.500% |
| LENNAR MORTGAGE, LLC | 416 | $10,724 | 5.625% |
| OCMBC, INC. | 321 | $12,145 | 6.875% |
| Loandepot.Com, LLC | 310 | $6,349 | 6.500% |
| DHI MORTGAGE COMPANY, LTD. | 309 | $10,216 | 5.500% |