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Mortgage Lenders and Brokers in Oxnard, California

Content reviewed by

Brian McKay | iEditorial Disclosure | ✓Fact Checked | Loan Rates Last Updated and Verified: October 7, 2026

Oxnard, California mortgage lenders include JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA2181 N Rose Ave, Oxnard, CA 93036A+5.0 ★Texas Ratio: 3.68%, US Bank, N.A.US Bank, N.A.1291 S Victoria Ave, Oxnard, CA 93035A+5.0 ★Texas Ratio: 2.85%, Bank of America NABank of America NA670 Town Center Dr, Oxnard, CA 93036A+5.0 ★Texas Ratio: 4.14%, Wells Fargo Bank NAWells Fargo Bank NA450 S Ventura Rd, Oxnard, CA 93030A+5.0 ★Texas Ratio: 5.36%, BMO Harris Bank NABMO Harris Bank NA371 W Esplanade Dr, Oxnard, CA 93036A+5.0 ★Texas Ratio: 3.54%, City National BankCity National Bank500 E Esplanade Dr, Oxnard, CA 93036A+5.0 ★Texas Ratio: 5.55%, Oceanair Federal Credit UnionOceanair Federal Credit Union2151 E Gonzales Rd, Oxnard, CA 93036 3704A+5.0 ★Texas Ratio: 5.19%, Zions Bancorporation, N.A.Zions Bancorporation, N.A.365 E Esplanade Dr, Oxnard, CA 93036A+5.0 ★Texas Ratio: 3.72%, Mechanics BankMechanics Bank156 W 5th St, Oxnard, CA 93030A+5.0 ★Texas Ratio: 1.81%, and Community West Bank, A California Banking CorporationCommunity West Bank, A California Banking Corporation300 E Esplanade Dr, Oxnard, CA 93036A+5.0 ★Texas Ratio: 4.14%. Banks, credit unions and mortgage companies are listed together, with FHA, VA and local options flagged for quick comparison.

Lenders are ranked only by the number of home loans they closed in Oxnard, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Oxnard are listed first, then lenders elsewhere in California, then lenders from other states that closed loans there. Banks and credit unions carry a MonitorBankRates health grade, star rating and Texas Ratio, so you can judge how financially sound they are. Mortgage companies have no deposits to rate, so compare their loan programs, median loan and borrower reviews instead. Compare at least three lenders and ask each for a written loan estimate before you choose.

Mortgage Lenders and Brokers in Oxnard, California

Market share is the lender's share of all home loans closed in Oxnard, California. Approval share is approvals divided by completed applications. Grade is the MonitorBankRates Health and Safety Grade, available for banks and credit unions only. Average loan is the lender's mean loan amount here.

Lender	Programs	Loans closed	Market share	Approval share	Average loan	View
JPMorgan Chase Bank, NA 1 office in Oxnard 2181 N Rose Ave, Oxnard, CA 93036 A+5.0 ★Texas Ratio: 3.68%	Conventional, FHA, Jumbo, HELOC	33 +2 HELOCs	2.8%	89.2%	$463,181	View
US Bank, N.A. 1 office in Oxnard 1291 S Victoria Ave, Oxnard, CA 93035 A+5.0 ★Texas Ratio: 2.85%	Conventional, VA, HELOC	18 +15 HELOCs	1.5%	54.1%	$372,222	View
Bank of America NA 3 offices in Oxnard 670 Town Center Dr, Oxnard, CA 93036 A+5.0 ★Texas Ratio: 4.14%	Conventional, Jumbo, HELOC	11 +35 HELOCs	0.9%	84.6%	$758,636	View
Wells Fargo Bank NA 3 offices in Oxnard 450 S Ventura Rd, Oxnard, CA 93030 A+5.0 ★Texas Ratio: 5.36%	Conventional, Jumbo	10	0.8%	71.4%	$706,000	View
BMO Harris Bank NA 1 office in Oxnard 371 W Esplanade Dr, Oxnard, CA 93036 A+5.0 ★Texas Ratio: 3.54%	Conventional	9	0.8%	81.8%	$513,888	View
City National Bank 1 office in Oxnard 500 E Esplanade Dr, Oxnard, CA 93036 A+5.0 ★Texas Ratio: 5.55%	Conventional	9	0.8%	64.3%	$576,111	View
Oceanair Federal Credit Union 2151 E Gonzales Rd, Oxnard, CA 93036 3704 A+5.0 ★Texas Ratio: 5.19%	Conventional, HELOC	7 +41 HELOCs	0.6%	53.8%	$245,000	View
Zions Bancorporation, N.A. 1 office in Oxnard 365 E Esplanade Dr, Oxnard, CA 93036 A+5.0 ★Texas Ratio: 3.72%	Conventional, HELOC	1 +2 HELOCs	0.1%	100%	$775,000	View
Mechanics Bank 1 office in Oxnard 156 W 5th St, Oxnard, CA 93030 A+5.0 ★Texas Ratio: 1.81%	Conventional	1	0.1%	100%	$35,000	View
Community West Bank, A California Banking Corporation 1 office in Oxnard 300 E Esplanade Dr, Oxnard, CA 93036 A+5.0 ★Texas Ratio: 4.14%	Conventional	1	0.1%	100%	$85,000	View
Montecito Bank and Trust 1 office in Oxnard 300 W Esplanade Dr, Oxnard, CA 93036 A+5.0 ★Texas Ratio: 1.23%	Conventional	1	0.1%	50%	$125,000	View
Ventura County Credit Union 2160 N Rose Ave, Oxnard, CA 93036 5058 B4.6 ★Texas Ratio: 19.65%	Conventional, HELOC	14 +51 HELOCs	1.2%	66.7%	$277,142	View
Premier America Credit Union 1921 N Oxnard Blvd, Oxnard, CA 93036 A5.0 ★Texas Ratio: 13.97%	Conventional, HELOC	13 +14 HELOCs	1.1%	68.4%	$157,307	View
Citibank, NA 5837 Kanan Rd, Agoura Hills, CA 91301 A+5.0 ★Texas Ratio: 2.82%	Conventional, Jumbo	12	1%	100%	$600,833	View
Sofi Bank, National Association 9960 Live Oak Blvd, Live Oak, CA 95953 A+5.0 ★Texas Ratio: 0.51%	Conventional	8	0.7%	72.7%	$171,250	View
Sun West Mortgage Company, Inc 500 N Brand Blvd, Glendale, CA 91203 A+5.0 ★Texas Ratio: 5.17%	Conventional, FHA, VA	7	0.6%	81.8%	$569,285	View
First Ciitizens Bank and Trust 5701 Kanan Rd, Agoura Hills, CA 91301 A5.0 ★Texas Ratio: 7.72%	Conventional, HELOC	6 +1 HELOCs	0.5%	75%	$251,666	View
Logix Federal Credit Union 100 N First St Ste 100, Burbank, CA 91502 1845 A+5.0 ★Texas Ratio: 5.23%	Conventional, HELOC	5 +16 HELOCs	0.4%	100%	$133,000	View
Orange County'S FCU 2390 E Orangewood Ave Ste 106, Anaheim, CA 92806 A+5.0 ★Texas Ratio: 4.43%	Conventional	4	0.3%	100%	$437,500	View
Wescom Central Credit Union ★ 5 stars, 1 review 1660 E Gonzales Rd, Oxnard, CA 93036 A+5.0 ★Texas Ratio: 2.66%	Conventional, HELOC	2 +12 HELOCs	0.2%	66.7%	$600,000	View
Schoolsfirst FCU 590 N Euclid St, Anaheim, CA 92801 A+5.0 ★Texas Ratio: 5.56%	Conventional, HELOC	2 +6 HELOCs	0.2%	100%	$200,000	View
Central Coast Lending, Inc. 510 Canal St Ste R, King City, CA 93930 3443	Conventional, HELOC	2 +1 HELOCs	0.2%	100%	$530,000	View
Firefighters First Federal Credit Union 7900 Downing Ave, Bakersfield, CA 93308 A+5.0 ★Texas Ratio: 1.69%	Conventional, HELOC	1 +2 HELOCs	0.1%	50%	$435,000	View
California Credit Union 633 E UNIVERSITY DR STE A, CARSON, CA 90746 1973 A+5.0 ★Texas Ratio: 2.90%	Conventional	1	0.1%	50%	$225,000	View
Noble Federal Credit Union 175 N Clovis Ave, Clovis, CA 93612 0304 A+5.0 ★Texas Ratio: 4.29%	Conventional	1	0.1%	100%	$695,000	View
Synergy One Lending, Inc. 9600 Ming Ave Ste 146, Bakersfield, CA 93311	Conventional	1	0.1%	100%	$165,000
Mirastar Federal Credit Union 1638 W Campbell Ave, Campbell, CA 95008 A5.0 ★Texas Ratio: 6.21%	Conventional	1	0.1%	100%	$115,000	View
Eagle Community Credit Union 2310A E Lincoln Ave, Anaheim, CA 92806 4109 A+5.0 ★Texas Ratio: 3.63%	Conventional	1	0.1%	100%	$345,000	View
Point Mortgage Corp 2610 El Camino Real Unit A, Carlsbad, CA 92008 1214 A+5.0 ★Texas Ratio: 2.57%	FHA	1	0.1%	100%	$735,000	View
Bank of the Orient 1423 Burlingame Ave, Burlingame, CA 94010 A-5.0 ★Texas Ratio: 15.57%	Conventional, Jumbo	1	0.1%	100%	$2,805,000	View
Change Lending 116 S Cloverdale Blvd, Cloverdale, CA 95425 A+5.0 ★Texas Ratio: 3.68%	Conventional, Jumbo	1	0.1%	50%	$1,505,000	View
Blupeak Credit Union 2350 Shattuck Ave, Berkeley, CA 94704 A5.0 ★Texas Ratio: 6.86%	Conventional	1	0.1%	100%	$855,000	View
North Bay Credit Union 1357 Healdsburg Ave, Healdsburg, CA 95448 3246	Conventional	1	0.1%	100%	$115,000	View
Valley National Bank 225 N Beverly Dr, Beverly Hills, CA 90212 A+5.0 ★Texas Ratio: 5.76%	Conventional, Jumbo	1	0.1%	100%	$3,755,000	View
The First Financial Federal Credit Union 1211 E Valley Blvd, Alhambra, CA 91801 A+5.0 ★Texas Ratio: 4.74%	Conventional	1	0.1%	100%	$195,000	View
PNC Bank N.A. ★ 1.7 stars, 3 reviews 1329 Broadway Ave, Atwater, CA 95301 A+5.0 ★Texas Ratio: 4.24%	HELOC	0 +4 HELOCs	0%	n/a		View
Kinecta Federal Credit Union 1040 E Imperial Hwy Ste F3, Brea, CA 92821 A+5.0 ★Texas Ratio: 3.82%	HELOC	0 +3 HELOCs	0%	n/a		View
First Bank 1211 E Valley Blvd, Alhambra, CA 91801 A+5.0 ★Texas Ratio: 4.74%	HELOC	0 +2 HELOCs	0%	n/a		View
Provident Credit Union 2250 S Shore Ctr Ste C, Alameda, CA 94501 A+5.0 ★Texas Ratio: 0.49%	HELOC	0 +1 HELOCs	0%	n/a		View
The Golden 1 Credit Union 8727 El Camino Real, Atascadero, CA 93422 A+5.0 ★Texas Ratio: 5.50%	HELOC	0 +1 HELOCs	0%	n/a		View
Meriwest Credit Union 19459 Stevens Creek Blvd Ste 120, Cupertino, CA 95014 A5.0 ★Texas Ratio: 6.20%	HELOC	0 +1 HELOCs	0%	n/a		View
Golden Empire Mortgage, Inc.	Conventional, FHA, VA	46	3.9%	90.2%	$476,086
Pennymac Loan Services LLC	Conventional, FHA, VA, Jumbo	26	2.2%	77.8%	$547,307
Augusta Financial, Inc.	Conventional, FHA, VA, Jumbo	25	2.1%	96.2%	$634,600
Dignified Home Loans LLC	Conventional, FHA, VA	25	2.1%	100%	$536,200
Ocmbc, Inc. A5.0 ★Texas Ratio: 8.76%	Conventional, FHA, VA, HELOC	23 +1 HELOCs	1.9%	96.6%	$546,739	View
PFN Lending Group, Inc.	Conventional, FHA, Jumbo	19	1.6%	100%	$671,842
Sierra Pacific Mortgage Co. Inc	Conventional, FHA	17	1.4%	94.7%	$536,764
loanDepot.com LLC	Conventional, FHA, VA, HELOC	14 +1 HELOCs	1.2%	60%	$530,714
Kind Lending, LLC	Conventional, FHA, HELOC	12 +1 HELOCs	1%	70.6%	$399,166
AmWest Funding Corp	Conventional, FHA, Jumbo, HELOC	10 +4 HELOCs	0.8%	100%	$623,000
Guild Mortgage Company	Conventional, FHA, VA	9	0.8%	90.9%	$338,333
Cake Mortgage Corp.	Conventional, Jumbo	9	0.8%	100%	$690,555
New American Funding, LLC.	Conventional, VA, HELOC	6 +5 HELOCs	0.5%	60%	$578,333
Nexera Holding LLC	Conventional	6	0.5%	87.5%	$406,666
Carrington Mortgage Services LLC	Conventional, FHA, VA	6	0.5%	33.3%	$390,000
Campos Financial Corp	Conventional, HELOC	5 +1 HELOCs	0.4%	100%	$507,000
MortgageOne, Inc	Conventional, FHA	5	0.4%	100%	$585,000
Provident Funding Associates	Conventional	5	0.4%	100%	$601,000
Hometown Equity Mortgage, LLC	Conventional, FHA	5	0.4%	33.3%	$675,000
Paramount Residential Mortgage	Conventional, FHA	5	0.4%	83.3%	$645,000
JMAC Lending, Inc.	Conventional, FHA	5	0.4%	100%	$579,000
Flexpoint, Inc.	Conventional, FHA	4	0.3%	100%	$330,000
Stg Mortgage Inc	Conventional, FHA	4	0.3%	100%	$545,000
Intelliloan, Inc.	Conventional, FHA, VA	4	0.3%	100%	$600,000
Citadel Servicing Corporation	Conventional	4	0.3%	80%	$560,000
Nmsi, Inc.	Conventional, FHA	4	0.3%	100%	$702,500
Coastal Funding SLC, Inc.	Conventional, VA	4	0.3%	100%	$497,500
New Wave Lending Group Inc	Conventional	3	0.3%	100%	$615,000
Alameda Mortgage Corporation	Conventional	2	0.2%	100%	$655,000
Resicentral LLC	Conventional, VA	2	0.2%	66.7%	$700,000
Mortgage Capital Partners, INC	Conventional, FHA	2	0.2%	100%	$430,000
AdvantageFirst Lending Inc	FHA	2	0.2%	100%	$435,000
American Financial Network, Inc.	FHA	2	0.2%	100%	$640,000
Royal Pacific Funding	Conventional	2	0.2%	100%	$600,000
Network Capital Funding Corporation	Conventional	2	0.2%	66.7%	$405,000
American Pacific Mortgage Corporation	Conventional, VA	2	0.2%	40%	$765,000
Emet Lending Group, Inc.	Conventional	2	0.2%	100%	$535,000
Zillow Home Loans, LLC	Conventional	2	0.2%	100%	$515,000
ClearEdge Lending LLC	Conventional	2	0.2%	66.7%	$565,000
Mission Loans, LLC	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$105,000
ML Mortgage Corp.	Conventional	1	0.1%	66.7%	$575,000
Fundloans Capital	Conventional	1	0.1%	100%	$205,000
AAA Capital Investment, Inc	Conventional	1	0.1%	100%	$515,000
AmeriHome Mortgage Company, LLC	FHA	1	0.1%	100%	$635,000
General Mortgage Capital Corporation	Conventional	1	0.1%	100%	$405,000
Fidelity Lending Solutions Inc	Conventional	1	0.1%	100%	$755,000
HomeXpress Mortgage Corp.	Conventional	1	0.1%	100%	$735,000
Coast 2 Coast Funding Group, Inc	Conventional	1	0.1%	100%	$415,000
Ez Fundings Inc	FHA	1	0.1%	100%	$625,000
Victoria Financial Corp	Conventional	1	0.1%	100%	$365,000
Greenbox Loans	Conventional	1	0.1%	100%	$425,000
Ladera Lending, Inc. A+5.0 ★Texas Ratio: 0.22%	Conventional	1	0.1%	100%	$315,000	View
Geo-Corp, Inc.	FHA	1	0.1%	50%	$485,000
Summit Funding.Inc	FHA	1	0.1%	50%	$805,000
Plaza Home Mortgage, Inc	Conventional	1	0.1%	50%	$225,000
Figure Lending LLC	HELOC	0 +18 HELOCs	0%	n/a
Lendage, LLC dba Achieve Loans	HELOC	0 +5 HELOCs	0%	n/a
Goodleap, LLC	HELOC	0 +4 HELOCs	0%	100%
United Wholesale Mortgage	Conventional, FHA, VA, Jumbo, HELOC	136 +14 HELOCs	11.5%	81.6%	$574,558
Rocket Mortgage	Conventional, FHA, VA, Jumbo	134	11.4%	84.5%	$437,089
Mld Mortgage, Inc.Dba the Money Store	Conventional, FHA, VA	34	2.9%	97.3%	$567,352
Spring Eq, LLC	Conventional, HELOC	30 +14 HELOCs	2.5%	42.3%	$125,333
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional, VA, HELOC	28 +13 HELOCs	2.4%	60.9%	$202,500
Newrez LLC	Conventional, FHA, VA	25	2.1%	71.4%	$478,200
Cmg Mortgage Inc A+5.0 ★Texas Ratio: 2.02%	Conventional, FHA, VA, HELOC	23 +4 HELOCs	1.9%	96.4%	$594,130	View
CrossCountry Mortgage, LLC	Conventional, FHA, VA, Jumbo, HELOC	21 +1 HELOCs	1.8%	95.5%	$593,571
The Loan Store, Inc	Conventional, FHA, HELOC	12 +5 HELOCs	1%	100%	$598,333
Freedom Mortgage Corporation	Conventional, FHA, VA	12	1%	86.7%	$584,166
Mortgage Research Center	VA	12	1%	57.1%	$651,666
Movement Mortgage, LLC	Conventional	11	0.9%	100%	$542,272
Loanunited.Com, LLC	Conventional, FHA, VA	10	0.8%	100%	$602,000
Triad Financial Services, Inc.	Conventional	9	0.8%	80%	$263,888
Nations Lending Corporation	Conventional, FHA	9	0.8%	100%	$445,000
Nationstar Mortgage	Conventional, FHA	9	0.8%	75%	$206,111
Union Home Mortgage Corp.	Conventional	7	0.6%	100%	$559,285
Guaranteed Rate, Inc.	Conventional, FHA, VA, Jumbo, HELOC	6 +1 HELOCs	0.5%	100%	$650,000
Credit Human Federal Credit Un	Conventional	6	0.5%	53.8%	$105,000
Amerisave Mortgage Company	Conventional	5	0.4%	27.8%	$187,000
Planet Home Lending, LLC	Conventional, VA	5	0.4%	100%	$425,000
A&D Mortgage LLC A+5.0 ★Texas Ratio: 4.11%	Conventional	4	0.3%	100%	$552,500	View
Primelending	Conventional	4	0.3%	100%	$525,000
Equity Prime Mortgage LLC	Conventional, FHA, VA	4	0.3%	66.7%	$622,500
Discover Bank	Conventional	4	0.3%	14.8%	$52,500
Nexbank A-5.0 ★Texas Ratio: 14.93%	Conventional	4	0.3%	80%	$715,000	View
Genway Home Mortgage, Inc.	Conventional, FHA	4	0.3%	57.1%	$567,500
Mutual of Omaha Mortgage	Conventional, FHA, VA	4	0.3%	100%	$660,000
HomeBridge Financial Services, Inc	Conventional, FHA, HELOC	3 +12 HELOCs	0.3%	75%	$465,000
Originpoint, LLC	Conventional, VA, Jumbo	3	0.3%	100%	$828,333
PHH Mortgage Corporation	Conventional, VA	3	0.3%	75%	$368,333
First Alliance Home Mortgage, LLC	FHA	3	0.3%	100%	$618,333
Prosperity Home Mortgage, LLC	Conventional	3	0.3%	100%	$598,333
Morgan Stanley Private Bank NA A4.8 ★Texas Ratio: 2.45%	Conventional, Jumbo	3	0.3%	100%	$885,000	View
Panorama Mortgage Group, LLC	Conventional	2	0.2%	100%	$400,000
American Financial Resources LLC	Conventional	2	0.2%	66.7%	$620,000
Lakeview Loan Servicing, LLC	Conventional	2	0.2%	19%	$160,000
Filo Mortgage, LLC	Conventional	2	0.2%	100%	$680,000
American Financing Corporation	Conventional	2	0.2%	28.6%	$80,000
First Colony Mortgage Corporat	Conventional	2	0.2%	100%	$735,000
Ameritrust Mortgage Corporation	Conventional, FHA	2	0.2%	66.7%	$415,000
Usaa Federal Savings Bank B-3.5 ★Texas Ratio: 6.80%	Conventional, VA	2	0.2%	66.7%	$680,000	View
Nations Direct Mortgage, LLC	Conventional	2	0.2%	100%	$500,000
The Federal Savings Bank B+4.8 ★Texas Ratio: 16.98%	VA	2	0.2%	100%	$705,000	View
21St Mortgage	Conventional	2	0.2%	25%	$160,000
Ark-La-Tex Financial Services LLC	Conventional, FHA	2	0.2%	100%	$485,000
Champions Funding, LLC	Conventional, Jumbo	2	0.2%	40%	$1,030,000
Third Federal Savings and Loan A+5.0 ★Texas Ratio: 2.32%	Conventional, HELOC	1 +7 HELOCs	0.1%	50%	$65,000	View
Communityamerica Federal Credit Union	Conventional, HELOC	1 +4 HELOCs	0.1%	33.3%	$235,000
Arc Home LLC	Conventional	1	0.1%	100%	$605,000
BankFirst Financial Services A+5.0 ★Texas Ratio: 4.74%	Conventional	1	0.1%	100%	$755,000	View
Canopy Mortgage, LLC	Conventional	1	0.1%	100%	$805,000
Sage Home Loans Corporation	Conventional	1	0.1%	100%	$715,000
All Credit Considered Mortgage, Inc.	Conventional	1	0.1%	100%	$625,000
Allied Mortgage Group, Inc	VA	1	0.1%	100%	$555,000
Advancial Federal Credit Union	Conventional	1	0.1%	100%	$495,000
Data Mortgage, Inc	FHA	1	0.1%	100%	$595,000
Primis Bank A5.0 ★Texas Ratio: 13.21%	Conventional, Jumbo	1	0.1%	100%	$1,535,000	View
Quorum Federal Credit Union	Conventional	1	0.1%	100%	$275,000
Summit Mortgage Bankers, Inc.	Conventional	1	0.1%	100%	$405,000
Bay Equity LLC	Conventional	1	0.1%	100%	$445,000
SIRVA Mortgage, Inc. A+5.0 ★Texas Ratio: 2.36%	VA	1	0.1%	100%	$785,000	View
Congressional Federal Credit Union	Conventional	1	0.1%	100%	$155,000
New Day Financial, LLC.	VA	1	0.1%	20%	$755,000
T2 Financial LLC	Conventional	1	0.1%	100%	$495,000
Empeople Credit Union	Conventional	1	0.1%	100%	$105,000
Towne Mortgage Company A+5.0 ★Texas Ratio: 1.59%	VA	1	0.1%	100%	$735,000	View
Tjc Mortgage Inc	Conventional	1	0.1%	100%	$765,000
University Bank A+5.0 ★Texas Ratio: 3.82%	Conventional	1	0.1%	50%	$705,000	View
Digital Federal Credit Union	Conventional	1	0.1%	100%	$275,000
Ubs Bank USA ★ 5 stars, 1 review A+5.0 ★Texas Ratio: 1.21%	Conventional, Jumbo	1	0.1%	100%	$1,405,000	View
Angel Oak Mortgage Solutions LLC	Conventional	1	0.1%	100%	$185,000
Top Flite Financial, Inc.	FHA	1	0.1%	100%	$535,000
Village Capital & Investment	VA	1	0.1%	85.7%	$535,000
Coastal Community Bank B4.5 ★Texas Ratio: 20.96%	HELOC	0 +12 HELOCs	0%	n/a		View
Alliant Credit Union	HELOC	0 +3 HELOCs	0%	n/a
Valon Mortgage	HELOC	0 +3 HELOCs	0%	n/a
Gte Federal Credit Union	HELOC	0 +3 HELOCs	0%	n/a
First Technology Federal Credit Union	HELOC	0 +3 HELOCs	0%	n/a
Guaranteed Rate Affinity, LLC	HELOC	0 +1 HELOCs	0%	n/a
American Airlines Federal Cred	HELOC	0 +1 HELOCs	0%	n/a
Usalliance Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
First Savings Bank	HELOC	0 +1 HELOCs	0%	n/a
Baxter Credit Union A5.0 ★Texas Ratio: 6.31%	HELOC	0 +1 HELOCs	0%	0%		View
Stifel Bank & Trust A-4.8 ★Texas Ratio: 12.33%	HELOC	0 +1 HELOCs	0%	n/a		View
Pentagon Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Better Mortgage Corporation	HELOC	0 +1 HELOCs	0%	n/a
Consumers Credit Union	HELOC	0 +1 HELOCs	0%	n/a

Lender counts and market shares come from 2025 federal HMDA loan data, the public record of mortgage applications and closings. Health grades: MonitorBankRates, rates as of Oct 7, 2026.

Oxnard Mortgage Rate Trends

Daily average mortgage rates for California compared with the national average, updated every evening.

30-Year Fixed CA Avg

7.345%

▲ 0.089 vs 7 days ago

15-Year Fixed CA Avg

6.901%

▲ 0.040 vs 7 days ago

Mortgage Lenders and Mortgage Brokers Near Me in Oxnard, California

Looking for mortgage lenders near me or mortgage brokers near me in Oxnard? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Oxnard in 2025, with lenders based there listed first.

Types of Mortgage Lenders in Oxnard, CA

Use these to narrow the list above. Each category shows how many Oxnard, CA lenders fit and what that kind of lender is usually best for.

Mortgage companies and brokers 121 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 31 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 35 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 51 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 38 lenders. No down payment and no mortgage insurance for eligible veterans and service members Jumbo lenders 21 lenders. Loans above the conforming limit for higher priced homes Local lenders based in CA 88 lenders headquartered in California, the closest thing to a mortgage lender near you

Who Lends in Oxnard, CA

Independent mortgage companies closed 79.6 percent of home loans in Oxnard, California in 2025, banks 12.4 percent and credit unions 8.1 percent. Sun West Mortgage Company, Inc was the largest mortgage company, JPMorgan Chase Bank, NA the largest bank and Oceanair Federal Credit Union the largest credit union. Among lenders headquartered in California, Bank of America NA led with 11 loans.

79.6%

Mortgage companies

12.4%

Banks

8.1%

Credit unions

13%

FHA loans

VA loans

How to Read This List

A high approval share with a small median loan usually points to a lender comfortable with first time and FHA borrowers. A large median loan with conventional and jumbo programs points to a move up and jumbo specialist. The health grade says whether a bank or credit union is financially sound; it says nothing about service, which is what the reviews below are for.

Title or escrow companies usually handle closings in California. County documentary transfer tax of $1.10 per $1,000 (0.11 percent), with many cities adding their own transfer tax (for example San Francisco and Los Angeles at much higher rates); no mortgage recording tax.

More California Mortgage Lender Pages

All California lenders 861 lenders Los Angeles 480 lenders San Diego 411 lenders San Jose 294 lenders Fresno 260 lenders San Francisco 277 lenders Sacramento 300 lenders Bakersfield 258 lenders Menifee 239 lenders Long Beach 284 lenders Oakland 265 lenders Santa Clarita 265 lenders Stockton 212 lenders

Frequently Asked Questions About Mortgage Lenders in Oxnard, CA

Who is the largest mortgage lender in Oxnard, CA?

By home loans closed in 2025, JPMorgan Chase Bank, NA was the largest mortgage lender in Oxnard, California with 33 loans, about 2.8 percent of the market. The largest lender headquartered in California was Bank of America NA with 11 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which mortgage lenders in Oxnard, CA have the highest approval rates?

Among lenders with meaningful volume in Oxnard, California, Rocket Mortgage approved the highest share of completed applications in 2025 at 84.5 percent, against a 76.8 percent average for all lenders. Approval share reflects the applicants a lender attracts as much as its underwriting, so compare it alongside loan programs and median loan size. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which Oxnard, CA mortgage lenders offer FHA, VA and USDA loans?

51 lenders closed FHA loans in Oxnard, California in 2025, led by United Wholesale Mortgage with 27. 38 lenders closed VA loans, led by United Wholesale Mortgage. Use the FHA and VA filters above the table to see only those lenders; FHA loans allow 3.5 percent down and lower credit scores, VA loans need no down payment for eligible veterans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Are credit unions and local banks included in this Oxnard, CA lender list?

Yes. 31 banks and 35 credit unions closed home loans in Oxnard, California in 2025, alongside 121 independent mortgage companies and brokers. Banks and credit unions carry a MonitorBankRates health grade. Mortgage companies are not deposit institutions, so they have no health grade; their HMDA figures and borrower reviews stand in. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

How are mortgage lenders in Oxnard, CA ranked on this page?

Lenders are ranked only by the number of home loans they closed in Oxnard, California during 2025 as reported under the federal Home Mortgage Disclosure Act. No lender pays to be listed or to rank higher, and reviews do not change the order. Counts cover first and second lien loans on one to four unit homes for purchase, refinance and home improvement; home equity lines are counted separately.

Methodology and Sources

Lender rankings use the loan level records that lenders file under the Home Mortgage Disclosure Act, published by the FFIEC and the Consumer Financial Protection Bureau for the 2025 reporting year. Counts include originated first and subordinate lien loans on one to four unit homes in Oxnard, California for purchase, refinance and other purposes; home equity lines of credit are counted separately and reverse mortgages and business purpose loans are excluded. Approval share is originations plus approved but not accepted applications divided by all completed applications (withdrawn and incomplete files are excluded). Lender type comes from the lender's federal regulator and the FFIEC National Information Center. City figures use the Census tracts that make up Oxnard. Health grades are MonitorBankRates data and are current as of the date shown. Lenders below the HMDA reporting thresholds do not appear. MonitorBankRates receives no payment for placement on this page. Last updated October 8, 2026.