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Safe Rate's TrueRank Guarantee
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 FHA Mortgage Lenders in Oxnard
Updated February 5, 2026
Market Overview
89
Total Lenders
5,016
Total Loans
0.22%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,373 | +0.118% | 807 | |
2 | AUGUSTA FINANCIAL, INC. | Exceptional | Strong | Strong | Strong | Exceptional | $3,603 | +0.128% | 101 | |
3 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $2,349 | -0.043% | 62 | |
4 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Sound | Strong | $160 | +0.066% | 81 | |
5 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,509 | +0.146% | 584 | |
6 | MLD MORTGAGE INC. | Strong | Sound | Exceptional | Strong | Strong | $1,563 | +0.062% | 118 | |
7 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Strong | $2,159 | +0.173% | 86 | |
8 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,307 | +0.110% | 64 | |
9 | FIRST COLONY MORTGAGE CORPORATION | Strong | Sound | Exceptional | Strong | Strong | $2,119 | +0.263% | 44 | |
10 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,068 | +0.291% | 193 | |
11 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Strong | $3,005 | +0.218% | 128 | |
12 | KIND LENDING, LLC | Strong | Sound | Exceptional | Strong | Sound | $2,731 | +0.140% | 40 | |
13 | NATIONS DIRECT MORTGAGE, LLC | Strong | Sound | Exceptional | Strong | Sound | $2,558 | +0.324% | 31 | |
14 | GOLDEN EMPIRE MORTGAGE, INC. | Strong | Mediocre | Exceptional | Exceptional | Exceptional | $2,137 | +0.255% | 157 | |
15 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,201 | +0.140% | 106 | |
16 | OCMBC, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,889 | +0.520% | 100 | |
17 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $3,666 | +0.108% | 66 | |
18 | PFN Lending Group, Inc. | Strong | Acceptable | Strong | Exceptional | Strong | $3,271 | +0.387% | 51 | |
19 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $3,627 | +0.256% | 47 | |
20 | Nations Lending Corporation | Strong | Acceptable | Exceptional | Exceptional | Sound | $6,148 | +0.758% | 41 | |
21 | DIGNIFIED HOME LOANS, LLC | Strong | Acceptable | Strong | Strong | Strong | $4,807 | +0.334% | 68 | |
22 | Hometown Equity Mortgage, LLC | Strong | Sound | Strong | Sound | Sound | $1,253 | +0.433% | 23 | |
23 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Exceptional | Strong | Sound | -$572 | +0.541% | 22 | |
24 | JMAC LENDING, INC. | Strong | Sound | Strong | Sound | Sound | $1,776 | +0.223% | 19 | |
25 | Equity Prime Mortgage LLC | Strong | Acceptable | Exceptional | Strong | Sound | $1,790 | -0.001% | 17 | |
26 | SUN WEST MORTGAGE COMPANY, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $5,782 | +0.126% | 15 | |
27 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Strong | $4,163 | +0.476% | 138 | |
28 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Exceptional | Sound | $5,629 | +0.345% | 39 | |
29 | NEW AMERICAN FUNDING, LLC | Sound | Mediocre | Exceptional | Sound | Strong | $2,203 | +0.276% | 54 | |
30 | AXIA FINANCIAL, LLC | Sound | Mediocre | Exceptional | Strong | Sound | $2,656 | -0.057% | 20 | |
31 | ML Mortgage Corp. | Sound | Mediocre | Strong | Strong | Sound | $6,611 | +0.109% | 26 |
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)
10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
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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