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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 Jumbo 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 | U.S. Bank National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | -$757 | -0.116% | 157 | |
2 | Citibank, National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | -$1,282 | -0.233% | 89 | |
3 | Bank of America, National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $560 | -0.254% | 74 | |
4 | Wells Fargo Bank, National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $844 | -0.282% | 50 | |
5 | Morgan Stanley Private Bank, National Association | Exceptional | Exceptional | Exceptional | Strong | Sound | $296 | -0.583% | 30 | |
6 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Strong | $2,201 | +0.140% | 106 | |
7 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,373 | +0.118% | 807 | |
8 | ROCKET MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,509 | +0.146% | 584 | |
9 | CMG MORTGAGE, INC. | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,068 | +0.291% | 193 | |
10 | BMO Bank National Association | Exceptional | Strong | Exceptional | Strong | Sound | $835 | +0.063% | 29 | |
11 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $2,814 | +0.078% | 115 | |
12 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Strong | Strong | $160 | +0.066% | 81 | |
13 | VENTURA COUNTY CREDIT UNION | Strong | Exceptional | — | Acceptable | Strong | $1,328 | -0.671% | 30 | |
14 | Charles Schwab Bank, SSB | Strong | Sound | Exceptional | Exceptional | Sound | $559 | -0.159% | 19 | |
15 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,163 | +0.476% | 138 | |
16 | AUGUSTA FINANCIAL, INC. | Strong | Acceptable | Strong | Strong | Exceptional | $3,603 | +0.128% | 101 | |
17 | LOGIX FEDERAL CREDIT UNION | Strong | Sound | Strong | Sound | Strong | $23 | +0.171% | 42 | |
18 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Sound | Exceptional | Sound | Sound | -$572 | +0.541% | 22 | |
19 | GOLDEN EMPIRE MORTGAGE, INC. | Strong | Acceptable | Strong | Sound | Exceptional | $2,137 | +0.255% | 157 | |
20 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,203 | +0.276% | 54 | |
21 | NexBank | Strong | Acceptable | Exceptional | Strong | Sound | $2,155 | +0.333% | 27 | |
22 | OCMBC, INC. | Sound | Mediocre | Exceptional | Sound | Strong | $3,889 | +0.520% | 100 | |
23 | Logan Finance Corporation | Sound | Mediocre | Exceptional | Strong | Sound | $2,119 | +1.248% | 18 | |
24 | HOMEXPRESS MORTGAGE CORP. | Sound | Mediocre | Exceptional | Strong | Sound | $4,135 | +0.747% | 13 | |
25 | Commerce Home Mortgage, Inc. | Sound | Mediocre | Exceptional | Sound | Sound | $6,531 | +0.624% | 22 | |
26 | ARC HOME LLC | Sound | Mediocre | Exceptional | Sound | Sound | $5,701 | +0.848% | 12 |
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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