Mortgage lending in Ventura County, California
Lenders in Ventura County, California reported 21,928 mortgage applications for 2025, according to the CFPB.
21,928 mortgage applications and 12,645 loans originated in 2025; the denial rate was 21.2% of 17,105 applications decided. The median loan was about $475,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Oxnard-Thousand Oaks-Ventura, CA MSA.
- 21,928
- Applications
- 12,645
- Loans originated
- 21.2%
- Denial rate
- 3,626 denied of 17,105 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 21,928 | 12,645 |
| 2024 | 19,523 | 11,032 |
| 2023 | 16,582 | 9,308 |
| 2022 | 30,175 | 17,719 |
| 2021 | 72,290 | 48,066 |
| 2020 | 78,251 | 51,908 |
| 2019 | 42,661 | 27,083 |
| 2018 | 32,406 | 18,930 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| United Wholesale Mortgage | 1,128 | 1,521 |
| Rocket Mortgage | 1,017 | 1,409 |
| Logix Federal Credit Union | 496 | 683 |
| Bank of America NA | 429 | 917 |
| Ventura County Credit Union | 395 | 566 |
| US Bank, N.A. | 350 | 745 |
| Pennymac Loan Services LLC | 324 | 540 |
| CMG Mortgage Inc | 284 | 410 |
| Golden Empire Mortgage, Inc. | 225 | 287 |
| JPMorgan Chase Bank, NA | 224 | 382 |
| Crosscountry Mortgage, LLC | 204 | 328 |
| Spring Eq, LLC | 190 | 564 |
| Newrez LLC | 182 | 483 |
| Navy Federal Credit Union | 170 | 406 |
| Ocmbc, Inc. | 157 | 265 |
| loanDepot.com LLC | 155 | 262 |
| Oceanair Federal Credit Union | 154 | 265 |
| MLD Mortgage, Inc.dba the Money Store | 146 | 198 |
| Citibank, NA | 143 | 266 |
| Premier America Credit Union | 140 | 233 |
| Guaranteed Rate, Inc. | 140 | 279 |
| Wescom Central Credit Union | 135 | 238 |
| Augusta Financial, Inc. | 134 | 192 |
| Figure Lending LLC | 124 | 263 |
| The Loan Store, Inc | 122 | 184 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 206 | 34.2% of 161 decided |
| Asian | 1,608 | 21.8% of 1,200 decided |
| Black or African American | 310 | 26.4% of 239 decided |
| Native Hawaiian or Other Pacific Islander | 68 | no rate: base under 50 |
| White | 13,236 | 19.7% of 10,579 decided |
| 2 or more minority races | withheld | |
| Joint | 650 | 15.9% of 529 decided |
| Free Form Text Only | under 10 | |
| Race Not Available | 5,790 | 24.1% of 4,299 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 4,820 | 26.7% of 3,839 decided |
| Not Hispanic or Latino | 11,116 | 18.7% of 8,748 decided |
| Joint | 1,046 | 18.5% of 854 decided |
| Ethnicity Not Available | 4,936 | 22.0% of 3,657 decided |
| Free Form Text Only | 10 | no rate: base under 50 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 6,678 | 24.5% of 5,223 decided |
| Female | 4,102 | 24.4% of 3,205 decided |
| Joint | 8,845 | 16.6% of 7,083 decided |
| Sex Not Available | 2,303 | 24.4% of 1,594 decided |
A category under 10 applications prints “under 10”, and beside a lone one the next-smallest is withheld too, so neither can be worked out from the whole. No rate is printed on fewer than 50 decisions. A denial rate does not control for credit history, income, debt or the property, so a difference between groups is not a measure of discrimination.
Rankings this appears in
- No. 42 Counties by median mortgage
Sources
- HMDA public loan/application register (LAR) — each year's fullest national release — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- Census Bureau population estimates — nation and states, with components of change — U.S. Census Bureau · U.S. Government work · retrieved September 25, 2026
- HMDA transmittal sheet — every reporting lender, by year, with its name — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder
- Census Bureau county population estimates — U.S. Census Bureau · U.S. Government work · retrieved September 23, 2026
Compiled automatically from HMDA public loan/application register (LAR) — each year's fullest national release, Census Bureau population estimates — nation and states, with components of change, HMDA transmittal sheet — every reporting lender, by year, with its name, HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder and Census Bureau county population estimates by a checked SQL query · Editor: Kian O'Connor · How this site is built
Data retrieved