--- title: Lenders in Oxnard, CA: 28 Made Multifamily Loans in 2024-25 url: https://lender.report/lenders-in/oxnard-ca/ license: https://lender.report/license/ --- Metro area ยท CA # Lenders in Oxnard, CA 28 lenders made 81 multifamily loans in the Oxnard-Thousand Oaks-Ventura, CA metro area in 2024 and 2025, $1.1B in all. JPMorgan Chase Bank, National Association made the most, with 34. The typical loan was about $2.8M. **Evidence** Multifamily loans placed in the metro area, HMDA **Data as of** HMDA 2025 **Page last changed** November 11, 2026 **Lenders on record** 28 HMDA, 2025 **Multifamily loans, 2024-25** 81 HMDA, 2025 Manufactured-home parks excluded **Dollars** $1.14B HMDA, 2025 **Typical loan** $2.8M HMDA, 2025 Cite this Source: The Lender Report, Lenders in Oxnard, CA, https://lender.report/lenders-in/oxnard-ca/, data as of December 31, 2025. ## Describe a deal in Oxnard, CA This page lists who has made multifamily loans here. Loan Comps shows who has made a loan like yours, with the loans to prove it. [Start with a deal in Oxnard, CA](https://lender.report/comps/?lane=multifamily&metro=37100)[A lender in Oxnard, CA? Find your page](https://lender.report/for-lenders/?from=market) | Lender | Kind | Based in | Loans | Dollars | 2025 loans | 2024 loans | | --- | --- | --- | --- | --- | --- | --- | | [JPMorgan Chase Bank, National Association](https://lender.report/lender/jpmorgan-chase-bank-oh/) [multifamily record](https://lender.report/lender/jpmorgan-chase-bank-oh/multifamily/) | Bank | Columbus, OH | 34 | $362M | 13 | 21 | | [PNC Bank, National Association](https://lender.report/lender/pnc-bank-de/) [multifamily record](https://lender.report/lender/pnc-bank-de/multifamily/) | Bank | Wilmington, DE | 4 | $142M | 3 | 1 | | [Montecito Bank & Trust](https://lender.report/lender/montecito-bank-and-trust-ca/) [multifamily record](https://lender.report/lender/montecito-bank-and-trust-ca/multifamily/) | Bank | Santa Barbara, CA | 4 | $7.70M | 1 | 3 | | [River City Bank](https://lender.report/lender/river-city-bank-ca/) [multifamily record](https://lender.report/lender/river-city-bank-ca/multifamily/) | Bank | Sacramento, CA | 3 | $20.0M | 0 | 3 | | [Walker & Dunlop, LLC](https://lender.report/lender/walker-and-dunlop-md/) [multifamily record](https://lender.report/lender/walker-and-dunlop-md/multifamily/) | Non-bank | Bethesda, MD | 2 | $143M | 1 | 1 | | [Merchants Bank of Indiana](https://lender.report/lender/merchants-bank-of-indiana-in/) [multifamily record](https://lender.report/lender/merchants-bank-of-indiana-in/multifamily/) | Bank | Carmel, IN | 2 | $73.0M | 0 | 2 | | [Citibank, National Association](https://lender.report/lender/citibank-sd/) [multifamily record](https://lender.report/lender/citibank-sd/multifamily/) | Bank | Sioux Falls, SD | 2 | $35.3M | 2 | 0 | | [Lument Real Estate Capital](https://lender.report/lender/lument-real-estate-capital-oh/) [multifamily record](https://lender.report/lender/lument-real-estate-capital-oh/multifamily/) | Non-bank | Columbus, OH | 2 | $14.5M | 1 | 1 | | [EverBank, National Association](https://lender.report/lender/everbank-fl/) [multifamily record](https://lender.report/lender/everbank-fl/multifamily/) | Bank | Jacksonville, FL | 2 | $12.8M | 2 | 0 | | [Arixa Enhanced Income Fund, LP](https://lender.report/lender/arixa-enhanced-income-fund-az/) [multifamily record](https://lender.report/lender/arixa-enhanced-income-fund-az/multifamily/) | Non-bank | Phoenix, AZ | 2 | $11.4M | 1 | 1 | | [Cathay Bank](https://lender.report/lender/cathay-bank-ca/) [multifamily record](https://lender.report/lender/cathay-bank-ca/multifamily/) | Bank | Los Angeles, CA | 2 | $3.70M | 2 | 0 | | [Mechanics Bank](https://lender.report/lender/mechanics-bank-ca/) [multifamily record](https://lender.report/lender/mechanics-bank-ca/multifamily/) | Bank | Walnut Creek, CA | 2 | $3.40M | 0 | 2 | | [The Golden 1 Credit Union](https://lender.report/lender/golden-1-credit-union-ca/) [multifamily record](https://lender.report/lender/golden-1-credit-union-ca/multifamily/) | Credit union | Sacramento, CA | 2 | $3.10M | 2 | 0 | | [Community West Bank](https://lender.report/lender/community-west-bank-ca/) [multifamily record](https://lender.report/lender/community-west-bank-ca/multifamily/) | Bank | Fresno, CA | 2 | $2.30M | 2 | 0 | | [Citizens Business Bank, National Association](https://lender.report/lender/citizens-business-bank-ca/) [multifamily record](https://lender.report/lender/citizens-business-bank-ca/multifamily/) | Bank | Ontario, CA | 2 | $660K | 2 | 0 | HMDA, 2025 [All 28 lenders in Oxnard, CA, by loan size](https://lender.report/multifamily-lenders/oxnard-ca/) | County | Loans | Dollars | Lenders | | --- | --- | --- | --- | | [Ventura County, CA](https://lender.report/lenders-in/california/ventura-county/) | 80 | $1.12B | 27 | HMDA, 2025 A county is listed for a year only when the public file holds 5 or more multifamily loans there that year. | Loan size | Loans | | --- | --- | | Under $1M | 11 | | $1M to $2.5M | 27 | | $2.5M to $5M | 11 | | $5M to $10M | 12 | | $10M or more | 20 | HMDA, 2025 - Lenders made 81 multifamily loans totaling $1.1B in Oxnard, CA in 2024 and 2025. HMDA, 2025 - 1 of these loans was made by lenders that have since merged or closed. They are counted in the totals here and appear in no lender's row. HMDA, 2025 - 40 of the loans were made in 2025 and 41 in 2024. HMDA, 2025 - The typical loan in Oxnard, CA was about $2.8M, with the middle half between $1.4M and $9.5M. HMDA, 2025 - 11 of the loans were under $1M, and 32 were $5M or more. HMDA, 2025 - Lenders reported a median rate of 6.04% on 68 loans in Oxnard, CA, with the middle half between 5.37% and 6.46%. HMDA, 2025 - The median term was 15 years. HMDA, 2025 - The median loan to value was 51%. HMDA, 2025 - 56% of the loans were refinancings and 42% were purchases. HMDA, 2025 - Banks and savings institutions made 64 of the loans, credit unions 3, and non-banks 13. HMDA, 2025 - The five most active lenders made 58.0% of the loans. HMDA, 2025 - The three most active lenders were JPMorgan Chase Bank, National Association with 34, PNC Bank, National Association with 4, and Montecito Bank & Trust with 4. HMDA, 2025 - 12 of the 28 lenders are based in California. The rest are based elsewhere, most often in Ohio, South Dakota and Arizona. HMDA, 2025 - The most common property size was 5 to 24 units, with 41 loans. HMDA, 2025 - 1 county in the metro area has loans on record, and Ventura County, CA has the most, with 80. HMDA, 2025 ## How this list is defined **Measure** Multifamily loans made in the Oxnard, CA metro area **Period** 2024 and 2025 **Formula** Count, by lender, of HMDA records for multifamily dwellings of 5 or more units placed in the metro area, manufactured-home parks excluded, for each year in which the public file holds 5 or more such loans there. **Order** Largest first by loans recorded in the place, then dollars, then name. Payment is not part of the order. **As of** 2025 **Source** [HMDA](https://ffiec.cfpb.gov/data-browser/) **Changelog** November 12, 2026: First published, with the data built on this date. ## What we don't know - Whether any of these lenders is taking new loans today. - What they charge or require beyond the rate and term that HMDA reports. - Loans on office, retail, industrial or hotel property. HMDA covers dwelling-secured loans only. A metro area or county is named for a year only when the public file holds 5 or more multifamily loans there that year, so a small place is never exposed by a count. HMDA covers dwelling-secured loans. Amounts are the midpoints of $10,000 bands, and each loan has a year, never a date. Lenders that merged or stopped filing are left out. Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. [Report a problem](https://lender.report/report/) Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.