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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 Conventional Mortgage Company Lenders in Oxnard

Updated February 5, 2026

Market Overview

Total Lenders

5,016

Total Loans

0.22%

Median Rate Spread

Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Spread	Volume
1	PROVIDENT FUNDING ASSOCIATES, L.P.	Exceptional	Exceptional	Exceptional	Sound	Sound	$867	-0.170%	28
2	UNITED WHOLESALE MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$2,373	+0.118%	807
3	ROCKET MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,509	+0.146%	584
4	LOANDEPOT.COM, LLC	Strong	Sound	Exceptional	Strong	Strong	$3,307	+0.110%	64
5	CMG MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,068	+0.291%	193
6	MLD MORTGAGE INC.	Strong	Sound	Strong	Strong	Strong	$1,563	+0.062%	118
7	PENNYMAC LOAN SERVICES, LLC	Strong	Sound	Exceptional	Sound	Strong	$160	+0.066%	81
8	ARK-LA-TEX FINANCIAL SERVICES, LLC.	Strong	Sound	Exceptional	Strong	Sound	$1,760	+0.163%	19
9	MUTUAL OF OMAHA MORTGAGE, INC.	Strong	Strong	Strong	Sound	Sound	$159	+0.062%	14
10	CROSSCOUNTRY MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$4,163	+0.476%	138
11	GUARANTEED RATE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$2,201	+0.140%	106
12	MOVEMENT MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$1,876	+0.305%	81
13	Sierra Pacific Mortgage Company, Inc.	Strong	Acceptable	Exceptional	Strong	Strong	$3,666	+0.108%	66
14	FREEDOM MORTGAGE CORPORATION	Strong	Sound	Strong	Sound	Strong	$2,349	-0.043%	62
15	Paramount Residential Mortgage Group, Inc.	Strong	Acceptable	Exceptional	Strong	Strong	$3,627	+0.256%	47
16	FIRST COLONY MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Strong	Strong	$2,119	+0.263%	44
17	Nations Lending Corporation	Strong	Acceptable	Exceptional	Exceptional	Sound	$6,148	+0.758%	41
18	GOLDEN EMPIRE MORTGAGE, INC.	Strong	Mediocre	Exceptional	Strong	Exceptional	$2,137	+0.255%	157
19	NEWREZ LLC	Strong	Acceptable	Exceptional	Sound	Strong	$3,005	+0.218%	128
20	DIGNIFIED HOME LOANS, LLC	Strong	Acceptable	Strong	Strong	Strong	$4,807	+0.334%	68
21	NEW AMERICAN FUNDING, LLC	Strong	Acceptable	Exceptional	Sound	Strong	$2,203	+0.276%	54
22	KIND LENDING, LLC	Strong	Acceptable	Exceptional	Strong	Sound	$2,731	+0.140%	40
23	GUILD MORTGAGE COMPANY LLC	Strong	Acceptable	Exceptional	Strong	Sound	$5,159	+0.107%	36
24	THE LOAN STORE, INC.	Strong	Acceptable	Exceptional	Strong	Sound	$2,463	+0.373%	32
25	Prosperity Home Mortgage, LLC	Strong	Acceptable	Exceptional	Strong	Sound	$2,716	+0.235%	32
26	STG MORTGAGE INC	Strong	Sound	Strong	Sound	Sound	$1,188	+0.256%	32
27	NATIONSTAR MORTGAGE LLC	Strong	Acceptable	Exceptional	Strong	Sound	$2,016	-0.101%	29
28	Commerce Home Mortgage, Inc.	Strong	Acceptable	Exceptional	Strong	Sound	$6,531	+0.624%	22
29	AMERICAN FINANCIAL NETWORK, INC.	Strong	Acceptable	Exceptional	Strong	Sound	-$572	+0.541%	22
30	NMSI, INC.	Strong	Acceptable	Strong	Exceptional	Sound	$2,521	+0.096%	22
31	FAIRWAY INDEPENDENT MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Strong	Sound	$3,470	+0.318%	15
32	COASTAL FUNDING SLC, INC.	Strong	Acceptable	Strong	Exceptional	Sound	$4,511	+0.218%	12
33	AUGUSTA FINANCIAL, INC.	Strong	Acceptable	Sound	Sound	Exceptional	$3,603	+0.128%	101
34	ALAMEDA MORTGAGE CORPORATION	Strong	Mediocre	Exceptional	Strong	Strong	$2,710	+0.304%	46
35	NATIONS DIRECT MORTGAGE, LLC	Strong	Acceptable	Strong	Strong	Sound	$2,558	+0.324%	31
36	GUARANTEED RATE AFFINITY, LLC	Strong	Acceptable	Exceptional	Sound	Sound	$3,468	+0.265%	27
37	HOMEOWNERS FINANCIAL GROUP USA, LLC	Strong	Acceptable	Strong	Strong	Sound	$3,635	+0.401%	14
38	MICHIGAN MUTUAL, INC.	Strong	Acceptable	Strong	Strong	Sound	$1,053	+0.321%	14
39	PFN Lending Group, Inc.	Sound	Acceptable	Sound	Sound	Strong	$3,271	+0.387%	51
40	AMERICAN PACIFIC MORTGAGE CORPORATION	Sound	Mediocre	Exceptional	Strong	Sound	$5,629	+0.345%	39
41	Luminate Home Loans, Inc.	Sound	Mediocre	Exceptional	Strong	Sound	$3,544	+0.597%	26
42	SUN WEST MORTGAGE COMPANY, INC.	Sound	Acceptable	Strong	Sound	Sound	$5,782	+0.126%	15
43	AAA CAPITAL INVESTMENT, INC.	Sound	Acceptable	Strong	Sound	Sound	$1,858	-0.080%	13
44	OriginPoint, LLC	Sound	Acceptable	Strong	Sound	Sound	$2,014	+0.398%	12
45	OCMBC, INC.	Sound	Mediocre	Strong	Sound	Strong	$3,889	+0.520%	100
46	BRIDGELOCK CAPITAL	Sound	Acceptable	Acceptable	Sound	Strong	$4,984	+0.149%	23
47	AXIA FINANCIAL, LLC	Sound	Mediocre	Strong	Strong	Sound	$2,656	-0.057%	20
48	JMAC LENDING, INC.	Sound	Acceptable	Strong	Acceptable	Sound	$1,776	+0.223%	19
49	NEW WAVE LENDING GROUP INC	Sound	Mediocre	Strong	Strong	Sound	$3,737	-0.031%	13

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)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

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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