Safe Rate Rankings

Best VA 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	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Exceptional	Strong	Exceptional	Exceptional	Exceptional	$2,373Fees	0.118%Above	807
2	CMG MORTGAGE, INC.Independent Mortgage Company	Exceptional	Sound	Exceptional	Exceptional	Exceptional	$2,068Fees	0.291%Above	193
3	U.S. Bank National AssociationBank	Exceptional	Strong	Exceptional	Strong	Strong	$757Credit	0.116%Below	157
4	GUARANTEED RATE, INC.Independent Mortgage Company	Exceptional	Strong	Exceptional	Strong	Strong	$2,201Fees	0.140%Above	106
5	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Exceptional	Strong	Exceptional	Strong	Strong	$160Fees	0.066%Above	81
6	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Exceptional	Strong	Exceptional	Strong	Strong	$2,349Fees	0.043%Below	62
7	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Exceptional	Sound	Sound	$227Fees	0.568%Below	37
8	MLD MORTGAGE INC.Independent Mortgage Company	Exceptional	Strong	Strong	Strong	Strong	$1,563Fees	0.062%Above	118
9	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Exceptional	Sound	Exceptional	Exceptional	Strong	$1,876Fees	0.305%Above	81
10	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,509Fees	0.146%Above	584
11	NEWREZ LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$3,005Fees	0.218%Above	128
12	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$3,307Fees	0.110%Above	64
13	GOLDEN EMPIRE MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Strong	Exceptional	Exceptional	$2,137Fees	0.255%Above	157
14	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$4,163Fees	0.476%Above	138
15	AUGUSTA FINANCIAL, INC.Independent Mortgage Company	Strong	Acceptable	Strong	Strong	Exceptional	$3,603Fees	0.128%Above	101
16	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$5,159Fees	0.107%Above	36
17	Mortgage Research Center, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,140Fees	0.057%Below	21
18	ML Mortgage Corp.Independent Mortgage Company	Sound	Mediocre	Strong	Sound	Sound	$6,611Fees	0.109%Above	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)

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.