Safe Rate Rankings

Best All Lender 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	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	Citibank, National AssociationBank	Exceptional	Exceptional	Sound	Strong	$1,282Credit	0.233%Below	89
2	Morgan Stanley Private Bank, National AssociationBank	Exceptional	Exceptional	Strong	Sound	$296Fees	0.583%Below	30
3	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Exceptional	$2,373Fees	0.118%Above	807
4	U.S. Bank National AssociationBank	Strong	Strong	Strong	Strong	$757Credit	0.116%Below	157
5	Bank of America, National AssociationBank	Strong	Strong	Strong	Strong	$560Fees	0.254%Below	74
6	NAVY FEDERAL CREDIT UNIONCredit Union	Strong	Exceptional	Sound	Sound	$227Fees	0.568%Below	37
7	VENTURA COUNTY CREDIT UNIONCredit Union	Strong	Exceptional	Acceptable	Strong	$1,328Fees	0.671%Below	30
8	PROVIDENT FUNDING ASSOCIATES, L.P.Independent Mortgage Company	Strong	Exceptional	Sound	Sound	$867Fees	0.170%Below	28
9	MLD MORTGAGE INC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	$1,563Fees	0.062%Above	118
10	Wells Fargo Bank, National AssociationBank	Strong	Strong	Sound	Strong	$844Fees	0.282%Below	50
11	FIRST COLONY MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	$2,119Fees	0.263%Above	44
12	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$3,509Fees	0.146%Above	584
13	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$2,068Fees	0.291%Above	193
14	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Strong	Strong	$2,814Fees	0.078%Above	115
15	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Sound	Strong	Strong	$2,201Fees	0.140%Above	106
16	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	$160Fees	0.066%Above	81
17	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	$3,307Fees	0.110%Above	64
18	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Strong	$2,349Fees	0.043%Below	62
19	AUGUSTA FINANCIAL, INC.Independent Mortgage Company	Strong	Acceptable	Strong	Exceptional	$3,603Fees	0.128%Above	101
20	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$1,876Fees	0.305%Above	81
21	LOGIX FEDERAL CREDIT UNIONCredit Union	Strong	Sound	Sound	Strong	$23Fees	0.171%Above	42
22	NexBankBank	Strong	Sound	Strong	Sound	$2,155Fees	0.333%Above	27
23	GOLDEN EMPIRE MORTGAGE, INC.Independent Mortgage Company	Strong	Mediocre	Exceptional	Exceptional	$2,137Fees	0.255%Above	157
24	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$4,163Fees	0.476%Above	138
25	OCMBC, INC.Independent Mortgage Company	Strong	Acceptable	Strong	Strong	$3,889Fees	0.520%Above	100
26	Flagstar Bank, N.A.Bank	Strong	Acceptable	Strong	Strong	$2,159Fees	0.173%Above	86
27	DIGNIFIED HOME LOANS, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$4,807Fees	0.334%Above	68
28	Sierra Pacific Mortgage Company, Inc.Independent Mortgage Company	Strong	Acceptable	Strong	Strong	$3,666Fees	0.108%Above	66
29	Paramount Residential Mortgage Group, Inc.Independent Mortgage Company	Strong	Acceptable	Strong	Strong	$3,627Fees	0.256%Above	47
30	Nations Lending CorporationIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$6,148Fees	0.758%Above	41
31	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$5,159Fees	0.107%Above	36
32	STG MORTGAGE INCIndependent Mortgage Company	Strong	Sound	Sound	Sound	$1,188Fees	0.256%Above	32
33	BMO Bank National AssociationBank	Strong	Sound	Sound	Sound	$835Fees	0.063%Above	29
34	NMSI, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$2,521Fees	0.096%Above	22
35	NEWREZ LLCIndependent Mortgage Company	Sound	Acceptable	Sound	Strong	$3,005Fees	0.218%Above	128
36	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Sound	Acceptable	Sound	Strong	$2,203Fees	0.276%Above	54
37	PFN Lending Group, Inc.Independent Mortgage Company	Sound	Acceptable	Sound	Strong	$3,271Fees	0.387%Above	51
38	ALAMEDA MORTGAGE CORPORATIONIndependent Mortgage Company	Sound	Mediocre	Exceptional	Strong	$2,710Fees	0.304%Above	46
39	KIND LENDING, LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$2,731Fees	0.140%Above	40
40	THE LOAN STORE, INC.Independent Mortgage Company	Sound	Acceptable	Strong	Sound	$2,463Fees	0.373%Above	32
41	Prosperity Home Mortgage, LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$2,716Fees	0.235%Above	32
42	NATIONS DIRECT MORTGAGE, LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$2,558Fees	0.324%Above	31
43	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$2,016Fees	0.101%Below	29
44	GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$3,468Fees	0.265%Above	27
45	AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company	Sound	Acceptable	Strong	Sound	$572Credit	0.541%Above	22
46	Commerce Home Mortgage, Inc.Independent Mortgage Company	Sound	Acceptable	Strong	Sound	$6,531Fees	0.624%Above	22
47	Mortgage Research Center, LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$3,140Fees	0.057%Below	21
48	Hometown Equity Mortgage, LLCIndependent Mortgage Company	Sound	Acceptable	Sound	Sound	$1,253Fees	0.433%Above	23
49	BRIDGELOCK CAPITALIndependent Mortgage Company	Sound	Acceptable	Acceptable	Strong	$4,984Fees	0.149%Above	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)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

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.