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 161 lenders originated 2,768 VA loans during 2021. The total origination value was $1,505,560,000, with an average VA loan value of $543,916.

    Oxnard VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Oxnard averaged 0.35% for the week of 2023-01-20, compared to the national average (all VA variants) of 0% for the same period.

    Oxnard's average VA mortgage closing costs are $7,938.

    The average rate for the prior week (2023-01-13) was 6.43% and one month ago for the week of 2022-12-16, the average rate was 6.11%.

    The average rate one year ago was 3.71%.

    For refis of the same type during the week of 2023-01-20, the average rate was -0.03%.

    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 2021 Avg. 30yFix Rate 2021 Avg. Closing Costs
    QUICKEN LOANS, LLC 247 2.34% $5,710
    FREEDOM MORTGAGE CORPORATION 228 2.35% $4,358
    UNITED WHOLESALE MORTGAGE, LLC 164 2.46% $8,052
    PENNYMAC LOAN SERVICES, LLC 151 2.28% $8,439
    NAVY FEDERAL CREDIT UNION 105 2.44% $6,766
    LOANDEPOT.COM, LLC 104 2.42% $6,901
    Mortgage Research Center, LLC 99 2.75% $12,135
    HOME POINT FINANCIAL CORPORATION 68 2.43% $6,745
    CALIBER HOME LOANS, INC. 59 2.47% $10,943
    LAKEVIEW LOAN SERVICING, LLC 56 2.43% $3,182
    GUILD MORTGAGE COMPANY 52 2.57% $7,605
    Golden Empire Mortgage, Inc. 48 2.68% $9,517
    VILLAGE CAPITAL MORTGAGE 48 2.14% $6,059
    HOMEBRIDGE FINANCIAL SERVICES, INC. 43 2.48% $7,564
    GUARANTEED RATE, INC. 41 2.53% $7,515
    CROSSCOUNTRY MORTGAGE, LLC 41 2.55% $9,532
    CLEARPATH LENDING 36 2.24% $7,227
    CUSTOMER SERVICE MORTGAGE CORPORATION 34 2.56% $8,652
    BROKER SOLUTIONS, INC. 33 2.48% $5,119
    The Federal Savings Bank 31 2.40% $10,591
    CMG MORTGAGE, INC. 29 2.46% $9,309
    Mr. Cooper ( Nationstar Mortgage ) 27 2.51% $4,572
    CAPSTONE DIRECT, INC. 27 2.42% $9,189
    NEW DAY FINANCIAL, LLC 27 2.66% $15,590
    AMERICAN PACIFIC MORTGAGE CORPORATION 26 2.69% $13,583
    NEWREZ LLC 23 2.60% $5,337
    FINANCE OF AMERICA MORTGAGE LLC 23 2.52% $8,292
    MLD MORTGAGE INC. 23 2.60% $11,004
    STEARNS LENDING, LLC 21 2.40% $5,716
    USAA Federal Savings Bank 18 2.90% $6,839
    Flagstar Bank, FSB 17 2.61% $11,313
    AMERICAN FINANCIAL NETWORK, INC. 17 2.41% $13,540
    Lakeview Community Capital, LLC 17 2.45% $2,866
    SUN WEST MORTGAGE COMPANY, INC. 17 2.52% $6,269
    Wells Fargo Bank 16 2.52% $8,560
    First Guaranty Mortgage Corporation 16 2.55% $9,298
    MOVEMENT MORTGAGE, LLC 15 2.74% $7,104
    PENTAGON FEDERAL CREDIT UNION 15 2.34% $5,070
    DIGNIFIED HOME LOANS, LLC 13 2.55% $4,791
    ALAMEDA MORTGAGE CORPORATION 12 2.46% $11,794
    Low VA Rates, LLC 11 2.53% $5,346
    BNC National Bank 11 2.25% $8,725
    DRAPER AND KRAMER MORTGAGE CORP. 11 2.36% $6,751
    NETWORK CAPITAL FUNDING CORPORATION 11 2.43% $5,975
    NBKC BANK 10 2.55% $6,446
    Prosperity Home Mortgage, LLC 10 2.78% $9,988
    EAGLE HOME MORTGAGE, LLC 9 3.14% $13,503
    Century Mortgage Company DBA Century Lending Company 9 2.79% $12,707
    Barrington Bank & Trust Company, N.A. 9 2.58% $8,487
    PLANET HOME LENDING, LLC 9 2.35% $5,096
    InterContinental Capital Group, Inc 9 2.39% $4,573
    KBHS HOME LOANS, LLC 9 2.69% $13,279
    Prime Choice Funding Inc. 9 2.37% $6,840
    North American Savings Bank, F.S.B. 8 2.34% $4,403
    Paramount Residential Mortgage Group, Inc. 8 2.72% $9,190
    NATIONS DIRECT MORTGAGE, LLC 7 2.59% $10,022
    AUGUSTA FINANCIAL, INC. 7 2.61% $13,963
    CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 7 2.75% $8,361
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 7 2.77% $14,148
    CELEBRITY HOME LOANS, LLC 7 2.86% $9,524
    OPEN MORTGAGE, LLC 7 2.52% $14,047
    MUTUAL OF OMAHA MORTGAGE, INC. 6 2.38% $6,683
    Strong Home Mortgage, LLC 6 2.46% $1,842
    OCMBC, INC. 6 2.35% $8,890
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 6 2.48% $4,763
    MUFG Union Bank 6 2.77% $5,680
    Carrington Mortgage Services, LLC 6 2.48% $10,484
    NP, Inc. 5 2.50% $3,782
    KS StateBank 4 2.25% $859
    PANORAMA MORTGAGE GROUP, LLC 4 2.63% $14,200
    Commerce Home Mortgage, Inc. 4 2.38% $6,500
    Wyndham Capital Mortgage, Inc. 4 2.41% $5,883
    Nations Lending Corporation 4 2.84% $11,970
    Equity Prime Mortgage LLC 4 2.78% $12,591
    K. HOVNANIAN AMERICAN MORTGAGE, L.L.C. 4 2.81% $12,700
    ANGEL OAK HOME LOANS LLC 4 2.75% $8,915
    HOMEAMERICAN MORTGAGE CORPORATION 4 2.75% $0
    U.S. Bank 4 2.93% $12,683
    BRIDGELOCK CAPITAL 3 2.54% $3,497
    CENTRAL COAST LENDING, INC. 3 2.63% $5,959
    First Federal Bank 3 2.92% $17,117
    LENDUS, LLC 3 2.79% $6,860
    MOUNTAIN WEST FINANCIAL, INC. 3 2.54% $8,008
    PLAZA HOME MORTGAGE, INC. 3 2.79% $11,055
    Presidential Bank, FSB 3 2.58% $11,178
    PRIMELENDING, A PLAINSCAPITAL COMPANY 3 2.79% $9,401
    RESIDENTIAL WHOLESALE MORTGAGE, INC. 3 2.88% $6,234
    SOVEREIGN LENDING GROUP INCORPORATED 3 2.33% $2,596
    ACCELERATE MORTGAGE, LLC 2 2.25% $8,698
    GUARANTEED RATE AFFINITY, LLC 2 2.25% $2,931
    SUMMIT FUNDING, INC. 2 2.62% $12,282
    AXIA FINANCIAL, LLC 2 2.31% $4,062
    MEGA CAPITAL FUNDING, INC. 2 2.25% $6,440
    HomeStreet Bank 2 2.75% $7,870
    MORTGAGEONE, INC. 2 2.56% $14,781
    Paramount Bank 2 2.94% $5,702
    ACADEMY MORTGAGE CORPORATION 2 2.69% $3,958
    First Federal Bank of Kansas City 2 2.31% $3,844
    AMERISAVE MORTGAGE CORPORATION 2 2.81% $19,001
    AmeriHome Mortgage Company, LLC 2 2.69% $2,746
    CHURCHILL MORTGAGE CORPORATION 2 2.44% $9,298
    Mid-Continent Funding, Inc. 2 2.50% $13,499
    Financial Funding Solutions, Inc. 2 2.56% $9,508
    LOANPAL, LLC 2 2.25% $16,685
    Watermark Capital, Inc. 2 3.13% $6,530
    HighTechLending Inc 2 2.88% $15,008
    LENOX FINANCIAL MORTGAGE CORPORATION 2 2.75% $14,842
    CORNERSTONE HOME LENDING, INC. 1 3.25% $31,860
    ONY GLO, INC. 1 2.63% $5,364
    Colten Mortgage, LLC 1 3.00% $3,533
    Citizens Bank 1 2.63% $21,947
    CIS Financial Services, Inc. 1 2.88% $14,963
    CHERRY CREEK MORTGAGE, LLC 1 2.25% $970
    PHH Mortgage Corporation 1 3.00% $8,047
    Capital Bank 1 2.50% $4,040
    PNC Bank 1 2.50% $2,280
    PRIMARY RESIDENTIAL MORTGAGE, INC. 1 2.25% $7,281
    CALCULATED RISK ANALYTICS LLC 1 3.13% $22,897
    Willamette Valley Bank 1 3.25% $22,783
    ABSOLUTE HOME MORTGAGE CORPORATION 1 2.25% $3,095
    BECKAM FUNDING CORP. 1 2.25% $2,951
    ROYAL UNITED MORTGAGE LLC 1 2.88% $2,020
    Shea Mortgage Inc. 1 2.50% $6,054
    Sierra Pacific Mortgage Company, Inc. 1 2.38% $2,916
    SIRVA MORTGAGE, INC. 1 3.00% $0
    ZILLOW HOME LOANS, LLC 1 2.75% $15,651
    SRE MORTGAGE ALLIANCE INC. 1 2.25% $3,380
    S&S Financial 1 2.25% $2,110
    BAY EQUITY LLC 1 2.25% $3,179
    Bank of the West 1 2.88% $5,613
    Texana Bank 1 2.25% $1,735
    Armed Forces Bank 1 2.25% $2,504
    TJC Mortgage, Inc. 1 2.25% $4,913
    TOP FLITE FINANCIAL, INC. 1 2.88% $12,754
    UNITED SECURITY FINANCIAL CORP 1 1.75% $8,704
    IMPAC MORTGAGE CORP. 1 2.38% $0
    JPMorgan Chase Bank 1 2.50% $2,944
    LADERA LENDING, INC. 1 2.63% $5,832
    INTERCAP LENDING INC. 1 2.25% $25,016
    INTELLILOAN, INC. 1 2.37% $7,457
    LAND HOME FINANCIAL SERVICES, INC. 1 2.25% $8,559
    VERITAS FUNDING, LLC 1 2.75% $7,018
    AmRes Corporation 1 3.75% $600
    MASON MCDUFFIE MORTGAGE CORPORATION 1 2.25% $27,201
    MICHIGAN MUTUAL, INC. 1 2.88% $0
    HOMESTEAD FUNDING CORP. 1 2.38% $7,458
    ML Mortgage Corp. 1 3.38% $6,556
    MORIA DEVELOPMENT, INC. 1 2.50% $2,743
    HOMESIDE FINANCIAL, LLC 1 2.25% $7,730
    ALL WESTERN MORTGAGE, INC. 1 3.38% $4,329
    HomePromise Corporation 1 2.75% $7,208
    HOMEOWNERS FINANCIAL GROUP USA, LLC 1 2.88% $12,779
    M&T Bank 1 2.25% $5,543
    Home Mortgage Alliance Corp 1 1.75% $10,521
    HOME APPROVALS DIRECT, INC. 1 2.75% $19,076
    NATIONWIDE MORTGAGE BANKERS, INC. 1 2.50% $17,428
    Franklin Loan Corporation 1 3.00% $600
    First Mortgage Solutions, LLC 1 2.38% $3,958
    FIRST CENTENNIAL MORTGAGE CORPORATION 1 2.38% $3,682
    EMM LOANS LLC 1 2.75% $28,123
    DATA MORTGAGE, INC. 1 3.38% $16,734

    The top Oxnard VA lender as defined by loan originations is QUICKEN LOANS, LLC, with 247 VA loans originated. Their average total fees are $5,710, which is $1,352 higher than the next largest lender, FREEDOM MORTGAGE CORPORATION.

    The lowest fee Oxnard VA lenders (with over 10 loans originated) are Lakeview Community Capital, LLC ($2,866), LAKEVIEW LOAN SERVICING, LLC ($3,182), FREEDOM MORTGAGE CORPORATION ($4,358), Mr. Cooper ( Nationstar Mortgage ) ($4,572) and DIGNIFIED HOME LOANS, LLC ($4,791).

    The lowest rate Oxnard VA lenders (with over 10 loans originated) are VILLAGE CAPITAL MORTGAGE (2.14%), CLEARPATH LENDING (2.24%), BNC National Bank (2.25%), PENNYMAC LOAN SERVICES, LLC (2.28%) and PENTAGON FEDERAL CREDIT UNION (2.34%).

    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 $747,000 (5.2%) $1,403,071 (11.8%) 2.77 1,066
    2018-02-01 $736,250 (-2.4%) $1,362,823 (4.2%) 2.67 1,153
    2018-03-01 $729,000 (-4.7%) $1,323,479 (0.1%) 2.56 1,287
    2018-04-01 $750,000 (-2.5%) $1,359,521 (2.6%) 2.54 1,410
    2018-05-01 $741,500 (-2.1%) $1,318,677 (3.0%) 2.48 1,606
    2018-06-01 $739,000 (-1.5%) $1,278,675 (2.4%) 2.46 1,759
    2018-07-01 $739,450 (-2.1%) $1,244,409 (-0.2%) 2.47 1,884
    2018-08-01 $717,429 (-4.2%) $1,204,740 (-0.3%) 2.40 1,955
    2018-09-01 $699,000 (-6.8%) $1,165,838 (-3.3%) 2.35 2,012
    2018-10-01 $696,112 (-7.8%) $1,142,132 (-11.0%) 2.35 1,975
    2018-11-01 $684,500 (-8.7%) $1,142,143 (-11.1%) 2.32 1,905
    2018-12-01 $680,000 (-9.3%) $1,170,638 (-11.8%) 2.35 1,666
    2019-01-01 $683,500 (-8.5%) $1,187,787 (-15.3%) 2.36 1,553
    2019-02-01 $682,498 (-7.3%) $1,206,620 (-11.5%) 2.30 1,516
    2019-03-01 $691,386 (-5.2%) $1,190,230 (-10.1%) 2.26 1,585
    2019-04-01 $699,450 (-6.7%) $1,159,486 (-14.7%) 2.22 1,679
    2019-05-01 $701,250 (-5.4%) $1,159,532 (-12.1%) 2.19 1,798
    2019-06-01 $719,900 (-2.6%) $1,179,852 (-7.7%) 2.25 1,850
    2019-07-01 $731,850 (-1.0%) $1,194,510 (-4.0%) 2.29 1,870
    2019-08-01 $738,155 (2.9%) $1,180,855 (-2.0%) 2.34 1,790
    2019-09-01 $750,386 (7.4%) $1,195,975 (2.6%) 2.40 1,661
    2019-10-01 $753,591 (8.3%) $1,206,055 (5.6%) 2.43 1,574
    2019-11-01 $725,000 (5.9%) $1,175,197 (2.9%) 2.38 1,534
    2019-12-01 $760,725 (11.9%) $1,281,211 (9.5%) 2.54 1,222
    2020-01-01 $784,500 (14.8%) $1,317,346 (10.9%) 2.62 1,141
    2020-02-01 $795,000 (16.5%) $1,334,259 (10.6%) 2.60 1,129
    2020-03-01 $814,475 (17.8%) $1,344,504 (13.0%) 2.55 1,146
    2020-04-01 $772,500 (10.4%) $1,244,944 (7.4%) 2.42 1,230
    2020-05-01 $795,000 (13.4%) $1,264,031 (9.0%) 2.42 1,325
    2020-06-01 $811,725 (12.8%) $1,302,767 (10.4%) 2.39 1,209
    2020-07-01 $827,450 (13.1%) $1,347,256 (12.8%) 2.40 1,088
    2020-08-01 $829,900 (12.4%) $1,382,364 (17.1%) 2.38 957
    2020-09-01 $849,000 (13.1%) $1,439,902 (20.4%) 2.43 877
    2020-10-01 $824,900 (9.5%) $1,447,293 (20.0%) 2.36 903
    2020-11-01 $799,000 (10.2%) $1,453,937 (23.7%) 2.33 770
    2020-12-01 $819,450 (7.7%) $1,515,100 (18.3%) 2.44 611
    2021-01-01 $829,900 (5.8%) $1,558,418 (18.3%) 2.48 515
    2021-02-01 $879,450 (10.6%) $1,647,063 (23.4%) 2.56 488
    2021-03-01 $854,225 (4.9%) $1,507,677 (12.1%) 2.42 518
    2021-04-01 $872,250 (12.9%) $1,612,843 (29.6%) 2.36 524
    2021-05-01 $869,000 (9.3%) $1,664,130 (31.7%) 2.30 559
    2021-06-01 $864,500 (6.5%) $1,767,759 (35.7%) 2.28 624
    2021-07-01 $879,900 (6.3%) $1,706,391 (26.7%) 2.32 694
    2021-08-01 $849,225 (2.3%) $1,689,285 (22.2%) 2.26 721
    2021-09-01 $864,375 (1.8%) $1,757,995 (22.1%) 2.31 712
    2021-10-01 $869,000 (5.4%) $1,844,712 (27.5%) 2.32 649
    2021-11-01 $885,225 (10.8%) $1,880,535 (29.3%) 2.36 532
    2021-12-01 $894,500 (9.2%) $1,987,407 (31.2%) 2.42 431
    2022-01-01 $898,900 (8.3%) $2,036,075 (30.7%) 2.43 380
    2022-02-01 $895,950 (1.9%) $2,089,978 (26.9%) 2.33 387
    2022-03-01 $928,536 (8.7%) $2,044,234 (35.6%) 2.32 447
    2022-04-01 $899,900 (3.2%) $1,928,285 (19.6%) 2.15 502
    2022-05-01 $914,825 (5.3%) $1,788,961 (7.5%) 2.09 722
    2022-06-01 $929,389 (7.5%) $1,709,202 (-3.3%) 2.07 868
    2022-07-01 $899,900 (2.3%) $1,538,270 (-9.9%) 2.04 1,108
    2022-08-01 $892,500 (5.1%) $1,468,433 (-13.1%) 2.06 1,149
    2022-09-01 $879,450 (1.7%) $1,462,754 (-16.8%) 2.06 1,079
    2022-10-01 $859,999 (-1.0%) $1,461,684 (-20.8%) 2.02 1,057
    2022-11-01 $875,000 (-1.2%) $1,544,463 (-17.9%) 2.10 1,005
    2022-12-01 $869,762 (-2.8%) $1,608,327 (-19.1%) 2.17 846
    Oxnard's median listing price for 2022-12-01 was $869,762, a difference of $-24,738 (-2.8%) versus the prior year and $-5,238 versus the prior month.

    Oxnard's median listing price comes in at 217% of the national average.

    Oxnard's average listing price for 2022-12-01 was $1,608,327, a difference of $-379,080 (-19.1%) versus the prior year and $63,864 versus the prior month.

    For the 2022-12-01 period, Oxnard had 846 MLS listings, a difference of -159 listings (-16%) versus the prior month and 415 listings (96%) 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 2,063 sqft
    2018-02-01 36 days 2,024 sqft
    2018-03-01 36 days 2,026 sqft
    2018-04-01 37 days 2,051 sqft
    2018-05-01 37 days 2,031 sqft
    2018-06-01 39 days 2,021 sqft
    2018-07-01 42 days 2,031 sqft
    2018-08-01 43 days 2,016 sqft
    2018-09-01 45 days 1,979 sqft
    2018-10-01 50 days 1,962 sqft
    2018-11-01 52 days 1,953 sqft
    2018-12-01 63 days 1,927 sqft
    2019-01-01 68 days 1,895 sqft
    2019-02-01 51 days 1,902 sqft
    2019-03-01 44 days 1,913 sqft
    2019-04-01 40 days 1,942 sqft
    2019-05-01 41 days 2,000 sqft
    2019-06-01 45 days 2,028 sqft
    2019-07-01 46 days 2,049 sqft
    2019-08-01 48 days 2,052 sqft
    2019-09-01 49 days 2,069 sqft
    2019-10-01 51 days 2,071 sqft
    2019-11-01 54 days 1,973 sqft
    2019-12-01 59 days 2,022 sqft
    2020-01-01 65 days 2,100 sqft
    2020-02-01 55 days 2,113 sqft
    2020-03-01 43 days 2,142 sqft
    2020-04-01 48 days 2,066 sqft
    2020-05-01 60 days 2,087 sqft
    2020-06-01 53 days 2,128 sqft
    2020-07-01 45 days 2,146 sqft
    2020-08-01 41 days 2,099 sqft
    2020-09-01 43 days 2,112 sqft
    2020-10-01 41 days 2,081 sqft
    2020-11-01 53 days 2,005 sqft
    2020-12-01 60 days 2,030 sqft
    2021-01-01 56 days 2,023 sqft
    2021-02-01 38 days 2,128 sqft
    2021-03-01 31 days 2,037 sqft
    2021-04-01 36 days 2,055 sqft
    2021-05-01 33 days 2,019 sqft
    2021-06-01 32 days 2,028 sqft
    2021-07-01 36 days 1,988 sqft
    2021-08-01 31 days 1,929 sqft
    2021-09-01 35 days 1,961 sqft
    2021-10-01 37 days 1,961 sqft
    2021-11-01 41 days 1,967 sqft
    2021-12-01 45 days 1,986 sqft
    2022-01-01 41 days 1,959 sqft
    2022-02-01 28 days 1,862 sqft
    2022-03-01 28 days 1,884 sqft
    2022-04-01 26 days 1,895 sqft
    2022-05-01 25 days 1,923 sqft
    2022-06-01 28 days 1,930 sqft
    2022-07-01 33 days 1,900 sqft
    2022-08-01 38 days 1,846 sqft
    2022-09-01 46 days 1,841 sqft
    2022-10-01 51 days 1,854 sqft
    2022-11-01 53 days 1,840 sqft
    2022-12-01 64 days 1,843 sqft
    Oxnard's median listing age (time on market) for 2022-12-01 was 64 days. This is 42% longer than the same period one year ago.

    Oxnard's median square footage for active listings during the 2022-12-01 period was 1,843 sqft. One year prior, the average listing was 1,986 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.