About Residential Bancorp Bakersfield

Welcome to Residential Bancorp Bakersfield. At Residential Bancorp, we treat each customer as an individual, not a number. We don’t place you into a loan profile formula created by the banking industry. We use “common sense” and will help you obtain the best loan possible. We will work to get you to the path of home owners with less obstacles.

Founded in 1989, Residential Bancorp is committed to making the home-buying experience simple and enjoyable for its customers from start to finish. Our mission is to become the first choice and a household name throughout the United States for home loans. With a vibrant, team-oriented corporate culture and a proven track record of success, Residential Bancorp is poised to become a leader in the mortgage lending sector. Led by talented, visionary executives, our experienced and knowledgeable associates provide superior customer service to our consumers, realtors and builders.

MEET OUR TEAM

WHAT MAKES US BETTER

Appraisal Department (in-house)

A dedicated in-house appraisal department with experienced appraisers to help expedite your loan transactions.

“Common Sense” Underwriting

Without investor overlays, our in-house underwriting team has the final decision in loan approval.

What We Offer

Residential Bancorp is proud to be a Fannie Mae/Freddie Mac and Ginnie Mae Direct Seller/Servicer, FHA Direct Endorsement and VA Automatic mortgage lender.

E-Disclosures

Offering borrowers the option to receive E-Disclosures to minimize required waiting periods.

Quick turnaround

Fast service is our reputation, and now it is yours, including guaranteed turnaround times.

No Overlays

Zero overlays with credit scores above 580.

COMPANY VALUES

Integrity

In all of our dealings with our fellow associates and customers, we pledge to do no harm, and to conduct ourselves at all times in accordance with our stated values. One of our organization’s core values is Integrity; and Residential Bancorp is committed to the guiding principles of fair, equitable and responsible lending. We believe that all creditworthy customers should be treated fairly, equally and have nondiscriminatory access to credit.

Experience

There is no substitute for real life, hands-on experience when it comes to mortgage lending. We make sure our associates have the knowledge and experience to ensure that our customer’s loans are processed, underwritten, closed and funded efficiently and accurately from application to post-closing.

Service

At Residential Bancorp, we know that our continued success is dependent upon providing both our internal and external customers with best-in-class customer service. Whether it is our commitment to meeting and exceeding turn-time expectations for our branches, or closing our customer’s loans accurately and on-time, we demonstrate that excellent customer service is not just a goal, it is truly a core value.

Call us today for more information

(661) 437-3655