Mortgage Loans in Bakersfield, CA

Looking to buy a home in Bakersfield, CA? Start by comparing mortgage loan offers to find the best rates and terms that fit your budget. Local lenders understand Kern County’s market and can help you secure a mortgage with flexible down payments.

Don’t settle for the first offer you see. Explore multiple options from trusted banks and credit unions in Bakersfield to get personalized support and affordable financing. Your dream home is closer than you think when you compare and choose the right mortgage loan.

PurchaseRefinanceData Analysis

Filters

Loan Type
Lender
Loan Type
Rate
APR
Term
Link
Info
penfed
Conv
6.25 %
6.434 %
30 Yrs
∞
safecu
Conv
6.63 %
6.63 %
30 Yrs
∞

Today’s Mortgage Rates & Analysis - Updated on 2026-AUG-28

Federal Funds Rate - Trends & Analysis:

Today’s Fed Funds Effective Rate is 3.75%, unchanged from 7, 30, 60, and 90 days ago. When the Fed Funds rate is higher, it can put upward pressure on mortgage rates because lenders’ borrowing costs increase.

Credit Union Loan Rates - Trends & Analysis:

Pentagon offers a 30-year Conventional Fixed at 6.25% and a 30-year Conventional Refi at 6.125%, down 13 bp from a week ago but up 13 bp from 30 days ago. Their 30-year FHA and VA Fixed rates are both 5.75%, with FHA up 13 bp from a week ago. The Jumbo 30-year Fixed rate is steady at 6.25%. Safe offers a 30-year conventional fixed mortgage at 6.63% today. This rate is up 13 bp from last week and 38 bp higher than a month ago.

Market Indicators - Data & Insights:

Today, Zillow's 30-year mortgage rate is 6.465%, slightly higher than Freddie Mac's 30-year rate at 6.650%. Zillow's 30-year rate is also higher than it was 7 days ago. These rates reflect current borrowing costs, which influence how many people can afford to buy homes and affect overall housing demand.

🏦 Local Lenders in Bakersfield, CA

See the full lender directory — hours, services & financials →

🏘️ All the Lenders Available in Kern County, CA

✅ALTAONE FEDERAL CREDIT UNION
✅SELFHELP CREDIT UNION
✅SAFE 1 CREDIT UNION
✅VALLEY STRONG CREDIT UNION
✅STRATA FEDERAL CREDIT UNION
✅BAKERSFIELD CITY EMPLOYEES FEDERAL CREDIT UNION
✅ESPEECO FEDERAL CREDIT UNION
✅CHEVRON FEDERAL CREDIT UNION
✅THE GOLDEN 1 CREDIT UNION
✅FIREFIGHTERS FIRST FEDERAL CREDIT UNION
✅ENERGY ONE FEDERAL CREDIT UNION
✅EDWARDS FEDERAL CREDIT UNION
✅MOJAVE PLANT EMPLOYEES FEDERAL CREDIT UNION
✅DESERT VALLEYS FEDERAL CREDIT UNION
✅NAVY FEDERAL CREDIT UNION FEDERAL CREDIT UNION

Compare other loan types in Bakersfield, CA

Why compare Mortgage Loans in Bakersfield, CA on LendMesh

If you’re applying for a mortgage loan in Bakersfield, CA, it pays to keep comparing lenders on LendMesh. Exploring multiple offers helps you uncover better deals and more affordable options tailored to your needs. Take your time and use our platform to find the mortgage that fits your budget and goals, so you can move forward with confidence.

Stay ahead of the market by subscribing to LendMesh’s alerts. Just set your target rate, whether it’s 5% or 4%, and we’ll notify you as soon as offers fall below that threshold. You’ll also receive regular updates packed with expert insights, trends, and hand-picked loan deals—helping Bakersfield homebuyers like you make smarter decisions without missing a beat.

Customers are also interested in:

Apply For Mortgage Loan