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Safe Rate's TrueRank Guarantee
Our rankings are earned, not bought. We analyze 2,347 lenders using federal HMDA data—no pay-to-play, no cherry-picking. You see the best options based on performance metrics, not advertising dollars.
Best Mortgage Lenders in Oxnard
Updated February 5, 2026
Market Overview
89
Total Lenders
5,016
Total Loans
0.22%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | Citibank, National Association | Exceptional | Exceptional | Sound | Strong | -$1,282 | -0.233% | 89 | |
2 | Morgan Stanley Private Bank, National Association | Exceptional | Exceptional | Strong | Sound | $296 | -0.583% | 30 | |
3 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $2,373 | +0.118% | 807 | |
4 | U.S. Bank National Association | Strong | Strong | Strong | Strong | -$757 | -0.116% | 157 | |
5 | Bank of America, National Association | Strong | Strong | Strong | Strong | $560 | -0.254% | 74 | |
6 | NAVY FEDERAL CREDIT UNION | Strong | Exceptional | Sound | Sound | $227 | -0.568% | 37 | |
7 | VENTURA COUNTY CREDIT UNION | Strong | Exceptional | Acceptable | Strong | $1,328 | -0.671% | 30 | |
8 | PROVIDENT FUNDING ASSOCIATES, L.P. | Strong | Exceptional | Sound | Sound | $867 | -0.170% | 28 | |
9 | MLD MORTGAGE INC. | Strong | Sound | Exceptional | Strong | $1,563 | +0.062% | 118 | |
10 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Strong | $844 | -0.282% | 50 | |
11 | FIRST COLONY MORTGAGE CORPORATION | Strong | Sound | Exceptional | Strong | $2,119 | +0.263% | 44 | |
12 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $3,509 | +0.146% | 584 | |
13 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | $2,068 | +0.291% | 193 | |
14 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Strong | $2,814 | +0.078% | 115 | |
15 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $2,201 | +0.140% | 106 | |
16 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $160 | +0.066% | 81 | |
17 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Strong | $3,307 | +0.110% | 64 | |
18 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $2,349 | -0.043% | 62 | |
19 | AUGUSTA FINANCIAL, INC. | Strong | Acceptable | Strong | Exceptional | $3,603 | +0.128% | 101 | |
20 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | $1,876 | +0.305% | 81 | |
21 | LOGIX FEDERAL CREDIT UNION | Strong | Sound | Sound | Strong | $23 | +0.171% | 42 | |
22 | NexBank | Strong | Sound | Strong | Sound | $2,155 | +0.333% | 27 | |
23 | GOLDEN EMPIRE MORTGAGE, INC. | Strong | Mediocre | Exceptional | Exceptional | $2,137 | +0.255% | 157 | |
24 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $4,163 | +0.476% | 138 | |
25 | OCMBC, INC. | Strong | Acceptable | Strong | Strong | $3,889 | +0.520% | 100 | |
26 | Flagstar Bank, N.A. | Strong | Acceptable | Strong | Strong | $2,159 | +0.173% | 86 | |
27 | DIGNIFIED HOME LOANS, LLC | Strong | Acceptable | Strong | Strong | $4,807 | +0.334% | 68 | |
28 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Strong | Strong | $3,666 | +0.108% | 66 | |
29 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Strong | Strong | $3,627 | +0.256% | 47 | |
30 | Nations Lending Corporation | Strong | Acceptable | Exceptional | Sound | $6,148 | +0.758% | 41 | |
31 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Sound | $5,159 | +0.107% | 36 | |
32 | STG MORTGAGE INC | Strong | Sound | Sound | Sound | $1,188 | +0.256% | 32 | |
33 | BMO Bank National Association | Strong | Sound | Sound | Sound | $835 | +0.063% | 29 | |
34 | NMSI, INC. | Strong | Acceptable | Exceptional | Sound | $2,521 | +0.096% | 22 | |
35 | NEWREZ LLC | Sound | Acceptable | Sound | Strong | $3,005 | +0.218% | 128 | |
36 | NEW AMERICAN FUNDING, LLC | Sound | Acceptable | Sound | Strong | $2,203 | +0.276% | 54 | |
37 | PFN Lending Group, Inc. | Sound | Acceptable | Sound | Strong | $3,271 | +0.387% | 51 | |
38 | ALAMEDA MORTGAGE CORPORATION | Sound | Mediocre | Exceptional | Strong | $2,710 | +0.304% | 46 | |
39 | KIND LENDING, LLC | Sound | Acceptable | Strong | Sound | $2,731 | +0.140% | 40 | |
40 | THE LOAN STORE, INC. | Sound | Acceptable | Strong | Sound | $2,463 | +0.373% | 32 | |
41 | Prosperity Home Mortgage, LLC | Sound | Acceptable | Strong | Sound | $2,716 | +0.235% | 32 | |
42 | NATIONS DIRECT MORTGAGE, LLC | Sound | Acceptable | Strong | Sound | $2,558 | +0.324% | 31 | |
43 | NATIONSTAR MORTGAGE LLC | Sound | Acceptable | Strong | Sound | $2,016 | -0.101% | 29 | |
44 | GUARANTEED RATE AFFINITY, LLC | Sound | Acceptable | Strong | Sound | $3,468 | +0.265% | 27 | |
45 | Commerce Home Mortgage, Inc. | Sound | Acceptable | Strong | Sound | $6,531 | +0.624% | 22 | |
46 | AMERICAN FINANCIAL NETWORK, INC. | Sound | Acceptable | Strong | Sound | -$572 | +0.541% | 22 | |
47 | Mortgage Research Center, LLC | Sound | Acceptable | Strong | Sound | $3,140 | -0.057% | 21 | |
48 | Hometown Equity Mortgage, LLC | Sound | Acceptable | Sound | Sound | $1,253 | +0.433% | 23 | |
49 | BRIDGELOCK CAPITAL | Sound | Acceptable | Acceptable | Strong | $4,984 | +0.149% | 23 |
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Place
Local market expertise (33%)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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