Ventura County Credit Union in California vs the state
12.4%Denial rate-5.00 pts vs state
15.2%Decision denial rate-7.18 pts vs state
69.2%Origination rate+12.99 pts vs state
3.99%Median rate-2.64 pts vs state
-3.21Rate spread (pts)-3.48 pts vs state
$152kMedian applicant income
429Loans originated
77Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 695 | 463 | 15.8% | 4.99% | #173 |
| 2024 | 676 | 448 | 17.5% | 4.99% | #206 |
| 2025 | 620 | 429 | 12.4% | 3.99% | #229 |
What Ventura County Credit Union lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Ventura County Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Ventura County | 566 | 395 | 68 | 12.0% |
| Los Angeles County | 27 | 16 | 5 | 18.5% |
| San Bernardino County | 6 | 4 | 0 | 0.0% |
| Santa Barbara County | 4 | 2 | 0 | 0.0% |
| Kern County | 3 | 2 | 1 | 33.3% |
| Orange County | 3 | 2 | 1 | 33.3% |
| Nevada County | 3 | 3 | 0 | 0.0% |
| San Diego County | 2 | 1 | 1 | 50.0% |
| Sacramento County | 1 | 0 | 1 | 100.0% |
| Santa Cruz County | 1 | 1 | 0 | 0.0% |
Other large lenders in California
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 79,261 | 12.6% | 6.49% |
| Rocket Mortgage | C | 58,925 | 17.6% | 6.75% |
| Bank of America | F | 40,190 | 30.8% | 5.99% |
| U.S. Bank | D | 32,493 | 31.6% | 6.50% |
| JPMorgan Chase Bank | B | 22,048 | 9.7% | 6.13% |
| Spring Eq | D | 21,601 | 50.8% | 8.88% |
| Schoolsfirst | A | 19,086 | 10.0% | 6.25% |
| Pennymac Loan Services | C | 18,754 | 13.5% | 6.50% |
| Newrez | D | 17,000 | 19.3% | 6.63% |
| Loandepot.Com | D | 16,645 | 18.7% | 6.63% |
Frequently asked questions
California: 620 applications in 2025, of which 429 were originated and 77 denied.
12.4% of all applications, or 15.2% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Ventura County Credit Union originated in California in 2025 was 3.99%, against a statewide median of 6.63%.
About this data. Figures are Ventura County Credit Union's own HMDA filing for properties located in California, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology