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 0.43% for the week of 2025-07-04, compared to the national average (all VA variants) of 0% for the same period.

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

    The average rate for the prior week (2025-06-27) was 6.76% and one month ago for the week of 2025-05-30, the average rate was 6.89%.

    The average rate one year ago was 7%.

    For refis of the same type during the week of 2025-07-04, the average rate was 0.01%.

    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%).

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Oxnard (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Price (YoY Change) Average Listing Price (YoY) MSA/US Median Price Ratio Active Listings
    2018-01-01 $748,350 (5.4%) $1,408,395 (12.2%) 2.77 1,068
    2018-02-01 $738,000 (-2.1%) $1,367,883 (4.6%) 2.68 1,155
    2018-03-01 $729,900 (-4.6%) $1,328,219 (0.5%) 2.56 1,288
    2018-04-01 $750,000 (-2.5%) $1,363,833 (2.9%) 2.54 1,411
    2018-05-01 $741,725 (-2.2%) $1,322,529 (3.2%) 2.48 1,607
    2018-06-01 $739,000 (-1.5%) $1,282,303 (2.7%) 2.46 1,759
    2018-07-01 $739,450 (-2.1%) $1,249,036 (0.2%) 2.47 1,884
    2018-08-01 $717,450 (-4.2%) $1,207,856 (-0.1%) 2.40 1,956
    2018-09-01 $699,000 (-6.8%) $1,165,838 (-3.3%) 2.35 2,012
    2018-10-01 $696,112 (-8.1%) $1,142,578 (-11.2%) 2.36 1,975
    2018-11-01 $684,500 (-8.7%) $1,142,143 (-11.4%) 2.32 1,905
    2018-12-01 $680,000 (-9.3%) $1,170,638 (-12.1%) 2.35 1,666
    2019-01-01 $683,500 (-8.7%) $1,187,763 (-15.7%) 2.36 1,553
    2019-02-01 $682,500 (-7.5%) $1,207,077 (-11.8%) 2.31 1,517
    2019-03-01 $691,386 (-5.3%) $1,190,675 (-10.4%) 2.26 1,586
    2019-04-01 $699,450 (-6.7%) $1,159,838 (-15.0%) 2.22 1,680
    2019-05-01 $702,500 (-5.3%) $1,159,917 (-12.3%) 2.20 1,799
    2019-06-01 $719,950 (-2.6%) $1,180,210 (-8.0%) 2.25 1,850
    2019-07-01 $733,675 (-0.8%) $1,194,873 (-4.3%) 2.30 1,869
    2019-08-01 $738,155 (2.9%) $1,181,346 (-2.2%) 2.34 1,789
    2019-09-01 $750,386 (7.4%) $1,196,640 (2.6%) 2.40 1,660
    2019-10-01 $753,591 (8.3%) $1,206,835 (5.6%) 2.43 1,573
    2019-11-01 $725,000 (5.9%) $1,175,328 (2.9%) 2.38 1,532
    2019-12-01 $757,500 (11.4%) $1,281,551 (9.5%) 2.53 1,220
    2020-01-01 $784,425 (14.8%) $1,317,768 (11.0%) 2.62 1,139
    2020-02-01 $795,000 (16.5%) $1,334,703 (10.6%) 2.60 1,127
    2020-03-01 $812,700 (17.6%) $1,344,927 (13.0%) 2.55 1,144
    2020-04-01 $772,475 (10.4%) $1,245,209 (7.4%) 2.42 1,228
    2020-05-01 $793,750 (13.0%) $1,264,305 (9.0%) 2.41 1,323
    2020-06-01 $811,450 (12.7%) $1,303,034 (10.4%) 2.39 1,207
    2020-07-01 $827,000 (12.7%) $1,347,702 (12.8%) 2.40 1,086
    2020-08-01 $829,000 (12.3%) $1,382,900 (17.1%) 2.38 955
    2020-09-01 $849,000 (13.1%) $1,440,603 (20.4%) 2.43 875
    2020-10-01 $824,500 (9.4%) $1,447,968 (20.0%) 2.36 901
    2020-11-01 $799,000 (10.2%) $1,454,401 (23.7%) 2.34 768
    2020-12-01 $819,450 (8.2%) $1,516,175 (18.3%) 2.44 609
    2021-01-01 $825,450 (5.2%) $1,559,942 (18.4%) 2.46 513
    2021-02-01 $879,450 (10.6%) $1,649,048 (23.6%) 2.56 486
    2021-03-01 $854,450 (5.1%) $1,508,318 (12.2%) 2.42 517
    2021-04-01 $870,000 (12.6%) $1,614,377 (29.7%) 2.35 522
    2021-05-01 $869,000 (9.5%) $1,665,611 (31.7%) 2.31 557
    2021-06-01 $864,500 (6.5%) $1,768,873 (35.8%) 2.28 622
    2021-07-01 $879,900 (6.4%) $1,707,806 (26.7%) 2.32 692
    2021-08-01 $849,000 (2.4%) $1,689,268 (22.2%) 2.26 719
    2021-09-01 $864,375 (1.8%) $1,759,575 (22.1%) 2.31 710
    2021-10-01 $869,000 (5.4%) $1,846,575 (27.5%) 2.32 647
    2021-11-01 $885,225 (10.8%) $1,882,719 (29.5%) 2.37 530
    2021-12-01 $894,500 (9.2%) $1,990,544 (31.3%) 2.42 429
    2022-01-01 $898,900 (8.9%) $2,040,139 (30.8%) 2.43 378
    2022-02-01 $895,950 (1.9%) $2,094,019 (27.0%) 2.33 385
    2022-03-01 $928,536 (8.7%) $2,046,090 (35.7%) 2.32 445
    2022-04-01 $899,900 (3.4%) $1,930,673 (19.6%) 2.15 500
    2022-05-01 $914,825 (5.3%) $1,790,597 (7.5%) 2.09 720
    2022-06-01 $929,210 (7.5%) $1,709,993 (-3.3%) 2.07 866
    2022-07-01 $899,900 (2.3%) $1,538,329 (-9.9%) 2.03 1,106
    2022-08-01 $892,500 (5.1%) $1,469,063 (-13.0%) 2.06 1,147
    2022-09-01 $879,450 (1.7%) $1,463,340 (-16.8%) 2.06 1,077
    2022-10-01 $859,999 (-1.0%) $1,462,341 (-20.8%) 2.02 1,055
    2022-11-01 $875,000 (-1.2%) $1,545,311 (-17.9%) 2.10 1,003
    2022-12-01 $871,000 (-2.6%) $1,617,338 (-18.8%) 2.15 835
    2023-01-01 $873,725 (-2.8%) $1,698,414 (-16.8%) 2.16 708
    2023-02-01 $932,500 (4.1%) $1,812,681 (-13.4%) 2.25 629
    2023-03-01 $944,500 (1.7%) $2,020,304 (-1.3%) 2.23 598
    2023-04-01 $985,000 (9.5%) $2,079,376 (7.7%) 2.29 571
    2023-05-01 $1,076,408 (17.7%) $2,181,585 (21.8%) 2.44 578
    2023-06-01 $1,018,627 (9.6%) $2,160,677 (26.4%) 2.29 618
    2023-07-01 $1,075,000 (19.5%) $2,129,812 (38.5%) 2.44 666
    2023-08-01 $1,021,225 (14.4%) $2,050,014 (39.6%) 2.35 684
    2023-09-01 $1,092,500 (24.2%) $2,078,094 (42.0%) 2.54 688
    2023-10-01 $1,050,000 (22.1%) $1,957,512 (33.9%) 2.47 735
    2023-11-01 $1,037,222 (18.5%) $1,918,147 (24.1%) 2.47 756
    2023-12-01 $1,044,500 (19.9%) $1,948,663 (20.5%) 2.55 667
    2024-01-01 $1,054,610 (20.7%) $1,995,622 (17.5%) 2.58 627
    2024-02-01 $1,094,500 (17.4%) $2,031,486 (12.1%) 2.63 627
    2024-03-01 $1,065,000 (12.8%) $2,143,023 (6.1%) 2.51 680
    2024-04-01 $1,093,500 (11.0%) $2,113,265 (1.6%) 2.54 754
    2024-05-01 $1,152,000 (7.0%) $2,145,771 (-1.6%) 2.62 837
    2024-06-01 $1,050,000 (3.1%) $1,925,121 (-10.9%) 2.39 969
    2024-07-01 $1,093,500 (1.7%) $1,911,495 (-10.3%) 2.50 1,019
    2024-08-01 $1,050,000 (2.8%) $1,862,606 (-9.1%) 2.44 1,057
    2024-09-01 $999,350 (-8.5%) $1,781,514 (-14.3%) 2.35 1,059
    2024-10-01 $999,125 (-4.9%) $1,757,200 (-10.2%) 2.35 1,064
    2024-11-01 $999,900 (-3.6%) $1,747,073 (-8.9%) 2.40 982
    2024-12-01 $999,999 (-4.3%) $1,812,408 (-7.0%) 2.48 866
    2025-01-01 $994,000 (-5.8%) $1,816,716 (-9.0%) 2.48 887
    2025-02-01 $999,450 (-8.7%) $1,846,235 (-9.1%) 2.43 1,005
    2025-03-01 $1,049,500 (-1.5%) $1,818,950 (-15.1%) 2.47 1,102
    2025-04-01 $1,060,000 (-3.1%) $1,828,009 (-13.5%) 2.46 1,283
    2025-05-01 $1,044,000 (-9.4%) $1,747,670 (-18.6%) 2.37 1,466
    Oxnard's median listing price for 2025-05-01 was $1,044,000, a difference of $-108,000 (-9.4%) versus the prior year and $-16,000 versus the prior month.

    Oxnard's median listing price comes in at 237% of the national average.

    Oxnard's average listing price for 2025-05-01 was $1,747,670, a difference of $-398,101 (-18.6%) versus the prior year and $-80,339 versus the prior month.

    For the 2025-05-01 period, Oxnard had 1,466 MLS listings, a difference of 183 listings (14%) versus the prior month and 629 listings (75%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Oxnard (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 62 days 2,065 sqft
    2018-02-01 35 days 2,026 sqft
    2018-03-01 35 days 2,027 sqft
    2018-04-01 37 days 2,057 sqft
    2018-05-01 36 days 2,032 sqft
    2018-06-01 38 days 2,020 sqft
    2018-07-01 41 days 2,031 sqft
    2018-08-01 43 days 2,014 sqft
    2018-09-01 44 days 1,979 sqft
    2018-10-01 48 days 1,962 sqft
    2018-11-01 51 days 1,953 sqft
    2018-12-01 61 days 1,927 sqft
    2019-01-01 67 days 1,895 sqft
    2019-02-01 50 days 1,903 sqft
    2019-03-01 43 days 1,913 sqft
    2019-04-01 40 days 1,943 sqft
    2019-05-01 40 days 2,001 sqft
    2019-06-01 44 days 2,027 sqft
    2019-07-01 45 days 2,047 sqft
    2019-08-01 47 days 2,051 sqft
    2019-09-01 49 days 2,067 sqft
    2019-10-01 50 days 2,069 sqft
    2019-11-01 53 days 1,973 sqft
    2019-12-01 58 days 2,020 sqft
    2020-01-01 63 days 2,100 sqft
    2020-02-01 52 days 2,113 sqft
    2020-03-01 41 days 2,136 sqft
    2020-04-01 48 days 2,064 sqft
    2020-05-01 59 days 2,084 sqft
    2020-06-01 52 days 2,126 sqft
    2020-07-01 45 days 2,146 sqft
    2020-08-01 40 days 2,096 sqft
    2020-09-01 42 days 2,103 sqft
    2020-10-01 39 days 2,074 sqft
    2020-11-01 52 days 2,002 sqft
    2020-12-01 57 days 2,024 sqft
    2021-01-01 54 days 2,021 sqft
    2021-02-01 35 days 2,118 sqft
    2021-03-01 28 days 2,036 sqft
    2021-04-01 34 days 2,050 sqft
    2021-05-01 33 days 2,007 sqft
    2021-06-01 31 days 2,021 sqft
    2021-07-01 35 days 1,978 sqft
    2021-08-01 31 days 1,924 sqft
    2021-09-01 34 days 1,956 sqft
    2021-10-01 36 days 1,960 sqft
    2021-11-01 40 days 1,963 sqft
    2021-12-01 45 days 1,983 sqft
    2022-01-01 40 days 1,952 sqft
    2022-02-01 27 days 1,858 sqft
    2022-03-01 27 days 1,877 sqft
    2022-04-01 25 days 1,894 sqft
    2022-05-01 25 days 1,920 sqft
    2022-06-01 27 days 1,922 sqft
    2022-07-01 33 days 1,900 sqft
    2022-08-01 37 days 1,845 sqft
    2022-09-01 46 days 1,840 sqft
    2022-10-01 51 days 1,854 sqft
    2022-11-01 53 days 1,839 sqft
    2022-12-01 63 days 1,842 sqft
    2023-01-01 67 days 1,858 sqft
    2023-02-01 43 days 1,892 sqft
    2023-03-01 42 days 1,880 sqft
    2023-04-01 43 days 1,991 sqft
    2023-05-01 39 days 2,025 sqft
    2023-06-01 38 days 1,933 sqft
    2023-07-01 38 days 1,962 sqft
    2023-08-01 42 days 1,957 sqft
    2023-09-01 42 days 1,988 sqft
    2023-10-01 41 days 1,956 sqft
    2023-11-01 44 days 1,940 sqft
    2023-12-01 56 days 1,949 sqft
    2024-01-01 60 days 1,944 sqft
    2024-02-01 41 days 1,935 sqft
    2024-03-01 37 days 1,936 sqft
    2024-04-01 36 days 1,961 sqft
    2024-05-01 36 days 1,995 sqft
    2024-06-01 38 days 1,923 sqft
    2024-07-01 41 days 1,942 sqft
    2024-08-01 44 days 1,937 sqft
    2024-09-01 46 days 1,903 sqft
    2024-10-01 47 days 1,887 sqft
    2024-11-01 53 days 1,897 sqft
    2024-12-01 59 days 1,892 sqft
    2025-01-01 57 days 1,858 sqft
    2025-02-01 39 days 1,863 sqft
    2025-03-01 40 days 1,886 sqft
    2025-04-01 40 days 1,911 sqft
    2025-05-01 43 days 1,883 sqft
    Oxnard's median listing age (time on market) for 2025-05-01 was 43 days. This is 21% longer than the same period one year ago.

    Oxnard's median square footage for active listings during the 2025-05-01 period was 1,883 sqft. One year prior, the average listing was 1,995 sqft.

    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.