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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 Mortgage Company Lenders in Oxnard
Updated February 5, 2026
Market Overview
42
Total Lenders
4,169
Total Loans
0.30%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $2,373 | +0.118% | 807 | |
2 | PROVIDENT FUNDING ASSOCIATES, L.P. | Strong | Exceptional | Sound | Sound | $867 | -0.170% | 28 | |
3 | MLD MORTGAGE INC. | Strong | Sound | Exceptional | Strong | $1,563 | +0.062% | 118 | |
4 | FIRST COLONY MORTGAGE CORPORATION | Strong | Sound | Exceptional | Strong | $2,119 | +0.263% | 44 | |
5 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $3,509 | +0.146% | 584 | |
6 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | $2,068 | +0.291% | 193 | |
7 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $2,201 | +0.140% | 106 | |
8 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $160 | +0.066% | 81 | |
9 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Strong | $3,307 | +0.110% | 64 | |
10 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $2,349 | -0.043% | 62 | |
11 | AUGUSTA FINANCIAL, INC. | Strong | Acceptable | Strong | Exceptional | $3,603 | +0.128% | 101 | |
12 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | $1,876 | +0.305% | 81 | |
13 | GOLDEN EMPIRE MORTGAGE, INC. | Strong | Mediocre | Exceptional | Exceptional | $2,137 | +0.255% | 157 | |
14 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $4,163 | +0.476% | 138 | |
15 | OCMBC, INC. | Strong | Acceptable | Strong | Strong | $3,889 | +0.520% | 100 | |
16 | DIGNIFIED HOME LOANS, LLC | Strong | Acceptable | Strong | Strong | $4,807 | +0.334% | 68 | |
17 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Strong | Strong | $3,666 | +0.108% | 66 | |
18 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Strong | Strong | $3,627 | +0.256% | 47 | |
19 | Nations Lending Corporation | Strong | Acceptable | Exceptional | Sound | $6,148 | +0.758% | 41 | |
20 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Sound | $5,159 | +0.107% | 36 | |
21 | STG MORTGAGE INC | Strong | Sound | Sound | Sound | $1,188 | +0.256% | 32 | |
22 | NMSI, INC. | Strong | Acceptable | Exceptional | Sound | $2,521 | +0.096% | 22 | |
23 | NEWREZ LLC | Sound | Acceptable | Sound | Strong | $3,005 | +0.218% | 128 | |
24 | NEW AMERICAN FUNDING, LLC | Sound | Acceptable | Sound | Strong | $2,203 | +0.276% | 54 | |
25 | PFN Lending Group, Inc. | Sound | Acceptable | Sound | Strong | $3,271 | +0.387% | 51 | |
26 | ALAMEDA MORTGAGE CORPORATION | Sound | Mediocre | Exceptional | Strong | $2,710 | +0.304% | 46 | |
27 | KIND LENDING, LLC | Sound | Acceptable | Strong | Sound | $2,731 | +0.140% | 40 | |
28 | THE LOAN STORE, INC. | Sound | Acceptable | Strong | Sound | $2,463 | +0.373% | 32 | |
29 | Prosperity Home Mortgage, LLC | Sound | Acceptable | Strong | Sound | $2,716 | +0.235% | 32 | |
30 | NATIONS DIRECT MORTGAGE, LLC | Sound | Acceptable | Strong | Sound | $2,558 | +0.324% | 31 | |
31 | NATIONSTAR MORTGAGE LLC | Sound | Acceptable | Strong | Sound | $2,016 | -0.101% | 29 | |
32 | GUARANTEED RATE AFFINITY, LLC | Sound | Acceptable | Strong | Sound | $3,468 | +0.265% | 27 | |
33 | Commerce Home Mortgage, Inc. | Sound | Acceptable | Strong | Sound | $6,531 | +0.624% | 22 | |
34 | AMERICAN FINANCIAL NETWORK, INC. | Sound | Acceptable | Strong | Sound | -$572 | +0.541% | 22 | |
35 | Mortgage Research Center, LLC | Sound | Acceptable | Strong | Sound | $3,140 | -0.057% | 21 | |
36 | AMERICAN PACIFIC MORTGAGE CORPORATION | Sound | Mediocre | Exceptional | Sound | $5,629 | +0.345% | 39 | |
37 | Hometown Equity Mortgage, LLC | Sound | Acceptable | Sound | Sound | $1,253 | +0.433% | 23 | |
38 | BRIDGELOCK CAPITAL | Sound | Acceptable | Acceptable | Strong | $4,984 | +0.149% | 23 | |
39 | ML Mortgage Corp. | Sound | Mediocre | Strong | Sound | $6,611 | +0.109% | 26 | |
40 | Luminate Home Loans, Inc. | Sound | Mediocre | Strong | Sound | $3,544 | +0.597% | 26 | |
41 | AXIA FINANCIAL, LLC | Sound | Mediocre | Strong | Sound | $2,656 | -0.057% | 20 |
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)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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.
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