# Best Mortgage Lenders in Oxnard

**As of:** 2026-06-01

Compare the top mortgage lenders in Oxnard. Data-driven rankings based on pricing, approval rates, and local market expertise.

> **Canonical URL:** https://saferate.com/oxnard/best-mortgage-lenders


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


## Market Statistics

- **Total Lenders:** 89
- **Total Loans:** 5,016
- **Median Rate Spread:** 0.21798837209302324%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | UNITED WHOLESALE MORTGAGE, LLC | 84 | 41 | 93 | 807 | Independent Mortgage Company |
| 2 | U.S. Bank National Association | 80 | 75 | 71 | 157 | Bank |
| 3 | Bank of America, National Association | 80 | 73 | 75 | 74 | Bank |
| 4 | MLD MORTGAGE INC. | 78 | 48 | 82 | 118 | Independent Mortgage Company |
| 5 | Citibank, National Association | 78 | 87 | 58 | 89 | Bank |
| 6 | FIRST COLONY MORTGAGE CORPORATION | 78 | 42 | 84 | 44 | Independent Mortgage Company |
| 7 | Morgan Stanley Private Bank, National Association | 78 | 94 | 66 | 30 | Bank |
| 8 | ROCKET MORTGAGE, LLC | 74 | 29 | 95 | 584 | Independent Mortgage Company |
| 9 | CMG MORTGAGE, INC. | 74 | 33 | 81 | 193 | Independent Mortgage Company |
| 10 | JPMorgan Chase Bank, National Association | 73 | 49 | 70 | 115 | Bank |
| 11 | GUARANTEED RATE, INC. | 73 | 41 | 69 | 106 | Independent Mortgage Company |
| 12 | PENNYMAC LOAN SERVICES, LLC | 73 | 56 | 63 | 81 | Independent Mortgage Company |
| 13 | LOANDEPOT.COM, LLC | 73 | 48 | 76 | 64 | Independent Mortgage Company |
| 14 | FREEDOM MORTGAGE CORPORATION | 73 | 55 | 67 | 62 | Independent Mortgage Company |
| 15 | Wells Fargo Bank, National Association | 73 | 63 | 59 | 50 | Bank |
| 16 | NAVY FEDERAL CREDIT UNION | 71 | 93 | 60 | 37 | Credit Union |
| 17 | PROVIDENT FUNDING ASSOCIATES, L.P. | 71 | 83 | 55 | 28 | Independent Mortgage Company |
| 18 | AUGUSTA FINANCIAL, INC. | 68 | 32 | 70 | 101 | Independent Mortgage Company |
| 19 | MOVEMENT MORTGAGE, LLC | 68 | 32 | 84 | 81 | Independent Mortgage Company |
| 20 | VENTURA COUNTY CREDIT UNION | 68 | 83 | 32 | 30 | Credit Union |
| 21 | NexBank | 66 | 41 | 66 | 27 | Bank |
| 22 | LOGIX FEDERAL CREDIT UNION | 66 | 53 | 42 | 42 | Credit Union |
| 23 | CROSSCOUNTRY MORTGAGE, LLC | 63 | 20 | 76 | 138 | Independent Mortgage Company |
| 24 | OCMBC, INC. | 63 | 21 | 64 | 100 | Independent Mortgage Company |
| 25 | Flagstar Bank, N.A. | 63 | 40 | 76 | 86 | Bank |
| 26 | DIGNIFIED HOME LOANS, LLC | 63 | 23 | 76 | 68 | Independent Mortgage Company |
| 27 | Sierra Pacific Mortgage Company, Inc. | 63 | 32 | 80 | 66 | Independent Mortgage Company |
| 28 | Paramount Residential Mortgage Group, Inc. | 63 | 27 | 72 | 47 | Independent Mortgage Company |
| 29 | Nations Lending Corporation | 62 | 30 | 93 | 41 | Independent Mortgage Company |
| 30 | GUILD MORTGAGE COMPANY LLC | 62 | 25 | 83 | 36 | Independent Mortgage Company |
| 31 | NMSI, INC. | 62 | 33 | 92 | 22 | Independent Mortgage Company |
| 32 | STG MORTGAGE INC | 60 | 48 | 46 | 32 | Independent Mortgage Company |
| 33 | BMO Bank National Association | 60 | 60 | 57 | 29 | Bank |
| 34 | GOLDEN EMPIRE MORTGAGE, INC. | 58 | 18 | 87 | 157 | Independent Mortgage Company |
| 35 | NEWREZ LLC | 58 | 35 | 59 | 128 | Independent Mortgage Company |
| 36 | NEW AMERICAN FUNDING, LLC | 58 | 22 | 60 | 54 | Independent Mortgage Company |
| 37 | PFN Lending Group, Inc. | 58 | 21 | 50 | 51 | Independent Mortgage Company |
| 38 | KIND LENDING, LLC | 58 | 39 | 73 | 40 | Independent Mortgage Company |
| 39 | THE LOAN STORE, INC. | 58 | 40 | 77 | 32 | Independent Mortgage Company |
| 40 | Prosperity Home Mortgage, LLC | 58 | 37 | 77 | 32 | Independent Mortgage Company |
| 41 | NATIONS DIRECT MORTGAGE, LLC | 58 | 38 | 74 | 31 | Independent Mortgage Company |
| 42 | NATIONSTAR MORTGAGE LLC | 58 | 26 | 71 | 29 | Independent Mortgage Company |
| 43 | GUARANTEED RATE AFFINITY, LLC | 58 | 33 | 60 | 27 | Independent Mortgage Company |
| 44 | AMERICAN FINANCIAL NETWORK, INC. | 58 | 28 | 71 | 22 | Independent Mortgage Company |
| 45 | Commerce Home Mortgage, Inc. | 58 | 21 | 68 | 22 | Independent Mortgage Company |
| 46 | Mortgage Research Center, LLC | 58 | 34 | 70 | 21 | Independent Mortgage Company |
| 47 | ALAMEDA MORTGAGE CORPORATION | 54 | 15 | 81 | 46 | Independent Mortgage Company |
| 48 | Hometown Equity Mortgage, LLC | 52 | 28 | 47 | 23 | Independent Mortgage Company |
| 49 | AMWEST FUNDING CORP. | 50 | N/A | 62 | 54 | Independent Mortgage Company |
| 50 | BRIDGELOCK CAPITAL | 50 | 21 | 39 | 23 | Independent Mortgage Company |

## Methodology

Safe Rate calculates these rankings using a risk-adjusted, data-driven scoring system based on Home Mortgage Disclosure Act (HMDA) filings. Rather than relying on simple averages, our statistical models control for loan-level risk factors (such as LTV, loan amount, and property value) to evaluate a lender's true competitiveness within Oxnard.

Our composite SafeRate Score is derived using an equal, geometric weighting of the following factors:
1. **Pricing:** Evaluates the lender's interest rates and net fees relative to the market.
2. **Pull-Through:** Measures the percentage of applications that successfully close, indicating reliability and customer service.
3. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.