Oxnard VA Loan Rates, Closing Costs & Stats

OXNARD-THOUSAND OAKS-VENTURA, CA

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    • A VA loan is a mortgage loan that’s backed by the Department of Veterans Affairs (VA) for those who have served or are presently serving in the U.S. military. The VA does not directly lend, it guarantees the loans made by private lenders to veterans, active military personnel, and qualifying military spouses.

    The most obvious benefit of VA loans is that no downpayment is necessary to purchase a home. They will also typically have significantly lower fees-- meaning that if you're eligible to receive a VA loan, it will likely be the most favorable option. VA loans come in 3 varities: purchase, refinance and cash out refis.

    For additional benefits of VA loans, click here.

    Oxnard's 76 lenders originated 460 VA loans during 2024. The total origination value was $336,280,000, with an average VA loan value of $731,043.

    Oxnard VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Oxnard averaged 6.91% for the week of 2025-07-18, compared to the national average (all VA variants) of 6.385% for the same period.

    Oxnard's average VA mortgage closing costs are $8,886.

    The average rate for the prior week (2025-07-11) was 6.7% and one month ago for the week of 2025-06-13, the average rate was 6.87%.

    The average rate one year ago was 6.97%.

    For refis of the same type during the week of 2025-07-18, the average rate was 6.49%.

    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations.

    Oxnard VA Loan Lenders by Rates & Fees

    The below table looks at the average fees/closing costs and rates for VA 30 Year Fixed Rate (purchase, first lien) mortgages originated by each lender at the Oxnard level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    UNITED WHOLESALE MORTGAGE, LLC 87 5.87% $9,559
    QUICKEN LOANS, LLC 50 5.99% $17,009
    Mortgage Research Center, LLC 25 5.89% $14,044
    NEWREZ LLC 16 6.11% $12,885
    FREEDOM MORTGAGE CORPORATION 15 6.07% $11,678
    PENNYMAC LOAN SERVICES, LLC 14 5.72% $16,671
    CROSSCOUNTRY MORTGAGE, LLC 13 6.34% $16,357
    Golden Empire Mortgage, Inc. 12 6.29% $11,638
    NAVY FEDERAL CREDIT UNION 12 5.66% $6,007
    MOVEMENT MORTGAGE, LLC 11 6.03% $9,277
    MLD MORTGAGE INC. 10 5.75% $10,582
    AUGUSTA FINANCIAL, INC. 10 6.01% $13,479
    GUARANTEED RATE, INC. 9 6.02% $13,130
    LOANDEPOT.COM, LLC 7 6.20% $14,190
    GUILD MORTGAGE COMPANY 7 5.96% $16,924
    U.S. Bank 7 5.95% $16,341
    CMG MORTGAGE, INC. 6 5.96% $24,590
    ML Mortgage Corp. 6 5.67% $21,105
    USAA Federal Savings Bank 6 5.94% $21,166
    HOMEAMERICAN MORTGAGE CORPORATION 5 4.80% $8,055
    Shea Mortgage Inc. 5 6.45% $2,707
    Century Mortgage Company DBA Century Lending Company 4 5.63% $6,496
    Flagstar Bank, FSB 4 6.84% $16,300
    SUN WEST MORTGAGE COMPANY, INC. 4 6.25% $35,597
    AMERICAN PACIFIC MORTGAGE CORPORATION 4 6.47% $25,399
    Paramount Residential Mortgage Group, Inc. 4 6.22% $10,244
    Lakeview Community Capital, LLC 4 5.65% $5,539
    OCMBC, INC. 3 5.79% $4,959
    PLANET HOME LENDING, LLC 3 5.58% $5,438
    The Federal Savings Bank 3 5.67% $23,370
    VILLAGE CAPITAL MORTGAGE 3 5.66% $11,725
    BROKER SOLUTIONS, INC. 3 6.25% $10,676
    JMAC LENDING, INC. 3 6.33% $14,211
    V.I.P. MORTGAGE, INC. 2 6.44% $7,077
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 2 5.87% $20,930
    MORTGAGE SOLUTIONS OF COLORADO, LLC 2 6.75% $15,094
    FIRST COLONY MORTGAGE CORPORATION 2 6.50% $14,435
    American Mortgage & Equity Consultants, Inc. 2 5.94% $12,194
    ALAMEDA MORTGAGE CORPORATION 2 6.13% $7,051
    Sierra Pacific Mortgage Company, Inc. 2 6.69% $15,716
    EAGLE HOME MORTGAGE, LLC 2 5.00% $3,344
    LAKEVIEW LOAN SERVICING, LLC 2 5.12% $16,091
    AmeriHome Mortgage Company, LLC 2 5.81% $17,679
    PLAZA HOME MORTGAGE, INC. 2 6.19% $15,103
    Ameris Bank 2 6.44% $9,499
    DIGNIFIED HOME LOANS, LLC 2 6.25% $4,074
    AMERICAN FINANCIAL NETWORK, INC. 2 6.50% $2,485
    BM Real Estate Services, Inc. 2 6.44% $10,513
    BRIDGELOCK CAPITAL 2 6.50% $22,935
    KBHS HOME LOANS, LLC 1 4.99% $26,540
    Armed Forces Bank 1 6.50% $21,054
    AXIA FINANCIAL, LLC 1 5.50% $22,153
    CLEARPATH LENDING 1 5.88% $7,807
    COASTAL FUNDING SLC, INC. 1 6.25% $16,053
    Commerce Home Mortgage, Inc. 1 5.88% $19,983
    Cornerstone First Mortgage, Inc 1 5.25% $7,793
    CORNERSTONE HOME LENDING, INC. 1 6.25% $20,249
    Credence Funding Corporation 1 5.88% $5,603
    Equity Prime Mortgage LLC 1 5.75% $18,879
    GUARANTEED RATE AFFINITY, LLC 1 5.99% $6,483
    HighTechLending Inc 1 6.12% $7,563
    HOMESIDE FINANCIAL, LLC 1 5.50% $29,347
    JMJ FINANCIAL GROUP 1 5.63% $3,246
    JPMorgan Chase Bank 1 6.63% $8,213
    LADERA LENDING, INC. 1 5.38% $18,889
    LEADERONE FINANCIAL CORPORATION 1 7.13% $14,663
    LOANPAL, LLC 1 6.50% $2,844
    MUTUAL OF OMAHA MORTGAGE, INC. 1 5.00% $29,501
    NATIONS DIRECT MORTGAGE, LLC 1 6.25% $10,636
    NORWICH COMMERCIAL GROUP, INC. 1 5.75% $11,677
    PENTAGON FEDERAL CREDIT UNION 1 5.63% $499
    Performance Financial, Inc. 1 6.63% $16,928
    SECURITYNATIONAL MORTGAGE COMPANY 1 6.13% $3,783
    TJC Mortgage, Inc. 1 5.75% $17,685
    VENTURA COUNTY 1 6.00% $16,788
    VERITAS FUNDING, LLC 1 6.25% $36,580

    The top Oxnard VA lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with 87 VA loans originated. Their average total fees are $9,559, which is $7,450 lower than the next largest lender, QUICKEN LOANS, LLC.

    The lowest fee Oxnard VA lenders (with over 10 loans originated) are NAVY FEDERAL CREDIT UNION ($6,007), MOVEMENT MORTGAGE, LLC ($9,277), UNITED WHOLESALE MORTGAGE, LLC ($9,559), MLD MORTGAGE INC. ($10,582) and Golden Empire Mortgage, Inc. ($11,638).

    The lowest rate Oxnard VA lenders (with over 10 loans originated) are NAVY FEDERAL CREDIT UNION (5.66%), PENNYMAC LOAN SERVICES, LLC (5.72%), MLD MORTGAGE INC. (5.75%), UNITED WHOLESALE MORTGAGE, LLC (5.87%) and Mortgage Research Center, LLC (5.89%).

    VA Loan Features

  • No down payment required
  • Negotiable and competitive interest rate.
  • Ability to finance the VA funding fee (plus reduced funding fees with a down payment of at least 5 percent and exemption for veterans receiving VA compensation).
  • VA rules limit the amount you can be charged for closing costs.
  • Closing costs are comparable with other financing types (and may be lower).
  • Closing costs may be paid by the seller.
  • No private mortgage insurance premiums are required.
  • An assumable mortgage.
  • Right to prepay your mortgage without penalty.
  • For homes inspected by VA during construction, a warranty from builder and assistance from VA to obtain cooperation of builder.
  • VA assistance to veteran borrowers in default due to temporary financial difficulty.