# Best Conventional Mortgage Lenders in Oxnard

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

Compare the top Conventional mortgage lenders in Oxnard. Data-driven rankings based on rates, fees, and approval rates.

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


> **📋 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 | U.S. Bank National Association | 85 | 75 | 69 | 157 | Bank |
| 2 | Bank of America, National Association | 85 | 71 | 67 | 74 | Bank |
| 3 | Citibank, National Association | 83 | 86 | 54 | 89 | Bank |
| 4 | UNITED WHOLESALE MORTGAGE, LLC | 80 | 36 | 86 | 807 | Independent Mortgage Company |
| 5 | ROCKET MORTGAGE, LLC | 80 | 28 | 87 | 584 | Independent Mortgage Company |
| 6 | JPMorgan Chase Bank, National Association | 79 | 52 | 71 | 115 | Bank |
| 7 | LOANDEPOT.COM, LLC | 79 | 45 | 72 | 64 | Independent Mortgage Company |
| 8 | Wells Fargo Bank, National Association | 79 | 61 | 57 | 50 | Bank |
| 9 | NAVY FEDERAL CREDIT UNION | 77 | 92 | 53 | 37 | Credit Union |
| 10 | PROVIDENT FUNDING ASSOCIATES, L.P. | 77 | 83 | 55 | 28 | Independent Mortgage Company |
| 11 | CMG MORTGAGE, INC. | 75 | 34 | 73 | 193 | Independent Mortgage Company |
| 12 | MLD MORTGAGE INC. | 74 | 49 | 74 | 118 | Independent Mortgage Company |
| 13 | SCHOOLSFIRST | 74 | 79 | 65 | 13 | Credit Union |
| 14 | PENNYMAC LOAN SERVICES, LLC | 73 | 42 | 59 | 81 | Independent Mortgage Company |
| 15 | Morgan Stanley Private Bank, National Association | 73 | 96 | 57 | 30 | Bank |
| 16 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 73 | 40 | 74 | 19 | Independent Mortgage Company |
| 17 | Barrington Bank & Trust Company, National Association | 73 | 46 | 68 | 14 | Bank |
| 18 | CROSSCOUNTRY MORTGAGE, LLC | 71 | 21 | 74 | 138 | Independent Mortgage Company |
| 19 | GUARANTEED RATE, INC. | 71 | 39 | 65 | 106 | Independent Mortgage Company |
| 20 | Flagstar Bank, N.A. | 71 | 34 | 72 | 86 | Bank |
| 21 | MOVEMENT MORTGAGE, LLC | 71 | 34 | 77 | 81 | Independent Mortgage Company |
| 22 | Sierra Pacific Mortgage Company, Inc. | 71 | 33 | 70 | 66 | Independent Mortgage Company |
| 23 | Paramount Residential Mortgage Group, Inc. | 71 | 24 | 60 | 47 | Independent Mortgage Company |
| 24 | FIRST COLONY MORTGAGE CORPORATION | 71 | 38 | 77 | 44 | Independent Mortgage Company |
| 25 | Nations Lending Corporation | 70 | 33 | 86 | 41 | Independent Mortgage Company |
| 26 | FREEDOM MORTGAGE CORPORATION | 69 | 41 | 47 | 62 | Independent Mortgage Company |
| 27 | BMO Bank National Association | 69 | 62 | 48 | 29 | Bank |
| 28 | NexBank | 69 | 43 | 66 | 27 | Bank |
| 29 | Charles Schwab Bank, SSB | 69 | 45 | 73 | 19 | Bank |
| 30 | MUTUAL OF OMAHA MORTGAGE, INC. | 69 | 65 | 55 | 14 | Independent Mortgage Company |
| 31 | DIGNIFIED HOME LOANS, LLC | 67 | 23 | 70 | 68 | Independent Mortgage Company |
| 32 | NEWREZ LLC | 66 | 31 | 58 | 128 | Independent Mortgage Company |
| 33 | NEW AMERICAN FUNDING, LLC | 66 | 26 | 60 | 54 | Independent Mortgage Company |
| 34 | KIND LENDING, LLC | 66 | 31 | 66 | 40 | Independent Mortgage Company |
| 35 | GUILD MORTGAGE COMPANY LLC | 66 | 25 | 77 | 36 | Independent Mortgage Company |
| 36 | THE LOAN STORE, INC. | 66 | 39 | 71 | 32 | Independent Mortgage Company |
| 37 | Prosperity Home Mortgage, LLC | 66 | 33 | 71 | 32 | Independent Mortgage Company |
| 38 | NATIONSTAR MORTGAGE LLC | 66 | 27 | 64 | 29 | Independent Mortgage Company |
| 39 | AMERICAN FINANCIAL NETWORK, INC. | 66 | 29 | 63 | 22 | Independent Mortgage Company |
| 40 | Commerce Home Mortgage, Inc. | 66 | 21 | 61 | 22 | Independent Mortgage Company |
| 41 | NMSI, INC. | 66 | 35 | 93 | 22 | Independent Mortgage Company |
| 42 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 66 | 25 | 78 | 15 | Independent Mortgage Company |
| 43 | COASTAL FUNDING SLC, INC. | 66 | 21 | 85 | 12 | Independent Mortgage Company |
| 44 | STG MORTGAGE INC | 64 | 44 | 46 | 32 | Independent Mortgage Company |
| 45 | GOLDEN EMPIRE MORTGAGE, INC. | 63 | 18 | 74 | 157 | Independent Mortgage Company |
| 46 | NATIONS DIRECT MORTGAGE, LLC | 63 | 40 | 66 | 31 | Independent Mortgage Company |
| 47 | SOFI BANK, NATIONAL ASSOCIATION | 63 | 72 | 26 | 14 | Bank |
| 48 | HOMEOWNERS FINANCIAL GROUP USA, LLC | 63 | 20 | 69 | 14 | Independent Mortgage Company |
| 49 | MICHIGAN MUTUAL, INC. | 63 | 29 | 66 | 14 | Independent Mortgage Company |
| 50 | AUGUSTA FINANCIAL, INC. | 62 | 25 | 56 | 101 | 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. **Product Knowledge:** Evaluates the lender's specific experience and volume originating the selected loan product.
4. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.