Safe Rate Rankings

Best Conventional Mortgage Lenders in Oxnard

Updated June 1, 2026

⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

🛡️ No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

📊 HMDA 2024Built using publicly available originated loan data from the federal government.

🎯 Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.

Market

Total Lenders89

Total Loans5,016

Median Rate Spread0.22%

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