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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 Conventional Mortgage Lenders in Oxnard

Updated February 5, 2026

Market Overview

Total Lenders

5,016

Total Loans

0.22%

Median Rate Spread

Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Spread	Volume
1	Citibank, National Association	Exceptional	Exceptional	Exceptional	Sound	Strong	-$1,282	-0.233%	89
2	U.S. Bank National Association	Exceptional	Strong	Exceptional	Strong	Strong	-$757	-0.116%	157
3	Bank of America, National Association	Exceptional	Strong	Exceptional	Strong	Strong	$560	-0.254%	74
4	NAVY FEDERAL CREDIT UNION	Exceptional	Exceptional	Exceptional	Sound	Sound	$227	-0.568%	37
5	PROVIDENT FUNDING ASSOCIATES, L.P.	Exceptional	Exceptional	Exceptional	Sound	Sound	$867	-0.170%	28
6	Wells Fargo Bank, National Association	Exceptional	Strong	Exceptional	Sound	Strong	$844	-0.282%	50
7	Morgan Stanley Private Bank, National Association	Exceptional	Exceptional	Strong	Sound	Sound	$296	-0.583%	30
8	UNITED WHOLESALE MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$2,373	+0.118%	807
9	ROCKET MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,509	+0.146%	584
10	JPMorgan Chase Bank, National Association	Strong	Sound	Exceptional	Strong	Strong	$2,814	+0.078%	115
11	LOANDEPOT.COM, LLC	Strong	Sound	Exceptional	Strong	Strong	$3,307	+0.110%	64
12	SCHOOLSFIRST	Strong	Strong	Strong	Strong	Sound	$26	+0.039%	13
13	CMG MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,068	+0.291%	193
14	MLD MORTGAGE INC.	Strong	Sound	Strong	Strong	Strong	$1,563	+0.062%	118
15	PENNYMAC LOAN SERVICES, LLC	Strong	Sound	Exceptional	Sound	Strong	$160	+0.066%	81
16	BMO Bank National Association	Strong	Strong	Strong	Sound	Sound	$835	+0.063%	29
17	ARK-LA-TEX FINANCIAL SERVICES, LLC.	Strong	Sound	Exceptional	Strong	Sound	$1,760	+0.163%	19
18	Barrington Bank & Trust Company, National Association	Strong	Sound	Exceptional	Strong	Sound	$3,608	+0.306%	14
19	MUTUAL OF OMAHA MORTGAGE, INC.	Strong	Strong	Strong	Sound	Sound	$159	+0.062%	14
20	CROSSCOUNTRY MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$4,163	+0.476%	138
21	GUARANTEED RATE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$2,201	+0.140%	106
22	Flagstar Bank, N.A.	Strong	Acceptable	Exceptional	Strong	Strong	$2,159	+0.173%	86
23	MOVEMENT MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$1,876	+0.305%	81
24	Sierra Pacific Mortgage Company, Inc.	Strong	Acceptable	Exceptional	Strong	Strong	$3,666	+0.108%	66
25	FREEDOM MORTGAGE CORPORATION	Strong	Sound	Strong	Sound	Strong	$2,349	-0.043%	62
26	Paramount Residential Mortgage Group, Inc.	Strong	Acceptable	Exceptional	Strong	Strong	$3,627	+0.256%	47
27	FIRST COLONY MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Strong	Strong	$2,119	+0.263%	44
28	Nations Lending Corporation	Strong	Acceptable	Exceptional	Exceptional	Sound	$6,148	+0.758%	41
29	NexBank	Strong	Sound	Strong	Strong	Sound	$2,155	+0.333%	27
30	Charles Schwab Bank, SSB	Strong	Sound	Strong	Strong	Sound	$559	-0.159%	19
31	SOFI BANK, NATIONAL ASSOCIATION	Strong	Strong	Strong	Acceptable	Sound	-$790	+0.023%	14
32	GOLDEN EMPIRE MORTGAGE, INC.	Strong	Mediocre	Exceptional	Strong	Exceptional	$2,137	+0.255%	157
33	NEWREZ LLC	Strong	Acceptable	Exceptional	Sound	Strong	$3,005	+0.218%	128
34	DIGNIFIED HOME LOANS, LLC	Strong	Acceptable	Strong	Strong	Strong	$4,807	+0.334%	68
35	NEW AMERICAN FUNDING, LLC	Strong	Acceptable	Exceptional	Sound	Strong	$2,203	+0.276%	54
36	KIND LENDING, LLC	Strong	Acceptable	Exceptional	Strong	Sound	$2,731	+0.140%	40
37	GUILD MORTGAGE COMPANY LLC	Strong	Acceptable	Exceptional	Strong	Sound	$5,159	+0.107%	36
38	THE LOAN STORE, INC.	Strong	Acceptable	Exceptional	Strong	Sound	$2,463	+0.373%	32
39	Prosperity Home Mortgage, LLC	Strong	Acceptable	Exceptional	Strong	Sound	$2,716	+0.235%	32
40	STG MORTGAGE INC	Strong	Sound	Strong	Sound	Sound	$1,188	+0.256%	32
41	NATIONSTAR MORTGAGE LLC	Strong	Acceptable	Exceptional	Strong	Sound	$2,016	-0.101%	29
42	Commerce Home Mortgage, Inc.	Strong	Acceptable	Exceptional	Strong	Sound	$6,531	+0.624%	22
43	AMERICAN FINANCIAL NETWORK, INC.	Strong	Acceptable	Exceptional	Strong	Sound	-$572	+0.541%	22
44	NMSI, INC.	Strong	Acceptable	Strong	Exceptional	Sound	$2,521	+0.096%	22
45	FAIRWAY INDEPENDENT MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Strong	Sound	$3,470	+0.318%	15
46	COASTAL FUNDING SLC, INC.	Strong	Acceptable	Strong	Exceptional	Sound	$4,511	+0.218%	12
47	AUGUSTA FINANCIAL, INC.	Strong	Acceptable	Sound	Sound	Exceptional	$3,603	+0.128%	101
48	NATIONS DIRECT MORTGAGE, LLC	Strong	Acceptable	Strong	Strong	Sound	$2,558	+0.324%	31
49	HOMEOWNERS FINANCIAL GROUP USA, LLC	Strong	Acceptable	Strong	Strong	Sound	$3,635	+0.401%	14
50	MICHIGAN MUTUAL, INC.	Strong	Acceptable	Strong	Strong	Sound	$1,053	+0.321%	14

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 40 Points)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

Place

Local market expertise (25%)

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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