Ventura County Credit Union at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the A grade breaks down
Each component is a percentile rank among 412 home-equity (HELOC) lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
79th15.6% deniedPricingmedian rate spread over APOR, weight 30%
99th-3.21 ptsProcesswithdrawn + incomplete share, weight 15%
20th18.5%Closing coststotal loan costs ÷ loan amount, weight 10%
27th4.07% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 697 | 463 | 15.8% | 19.2% | 4.99% | $74M |
| 2024 | 681 | 448 | 18.1% | 21.5% | 4.99% | $82M |
| 2025 | 623 | 429 | 12.7% | 15.6% | 3.99% | $88M |
What Ventura County Credit Union lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 498 home-equity lines, 0 reverse mortgages, 3 manufactured homes, 26 investment properties.
Why Ventura County Credit Union denies applications
Primary reason reported for each of the 79 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Ventura County Credit Union
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 131 | 74 | 29.5% |
| $100k – $150k | 152 | 113 | 11.7% |
| $150k – $250k | 204 | 159 | 7.0% |
| Over $250k | 112 | 76 | 12.6% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 44 | 23 | 36.1% |
| 35–44 | 129 | 83 | 20.2% |
| 45–54 | 163 | 121 | 13.6% |
| 55–64 | 150 | 107 | 13.0% |
| 65–74 | 96 | 69 | 8.0% |
| Over 74 | 39 | 26 | 10.3% |
Where Ventura County Credit Union lends
2 states and 13 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| California | 620 | 429 | 12.4% | 3.99% | #229 |
Frequently asked questions
Ventura County Credit Union denied 15.6% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 79th percentile of home-equity (HELOC) lenders.
The most common reason Ventura County Credit Union gave in 2025 was "debt-to-income ratio", cited on 53.2% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans Ventura County Credit Union originated in 2025 was 3.99%, and its median rate spread over the average prime offer rate was -3.21 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 8% of its applications were for home purchases, 5% for refinancing (including cash-out), and 87% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.