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Ventura County, California · 2025

Mortgage lenders in Ventura County, CA: denial rates and top lenders (2025)

484 lenders acted on 21,928 mortgage applications for properties in Ventura County in 2025. 16.5% were denied (California: 17.4%). Median rate on closed loans 6.63%; median loan $405,000; median property value $895,000.

22kApplications
16.5%Denial ratestate 17.4%
6.63%Median ratestate 6.63%
$405,000Median loan
$895,000Median property value

Largest lenders in Ventura County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 United Shore Financial Services B 1,5211,128 11.2%6.48%
2 Rocket Mortgage C 1,4091,017 16.0%6.75%
3 Bank of America F 917429 27.4%5.99%
4 U.S. Bank D 745350 35.7%7.50%
5 Logix Federal Credit Union C 683496 17.0%6.13%
6 Ventura County Credit Union A 566395 12.0%3.99%
7 Spring Eq D 564190 45.9%8.65%
8 Pennymac Loan Services C 540324 10.7%6.50%
9 Newrez D 483182 16.8%6.63%
10 CMG Mortgage A 410284 3.7%6.75%
11 Navy Federal Credit Union D 406170 22.4%8.35%
12 JPMorgan Chase Bank B 382224 10.7%6.37%
13 Coastal Community Bank C 35666 1.7%9.74%
14 Crosscountry Mortgage B 328204 4.0%6.75%
15 Golden Empire Mortgage B 287225 5.2%6.50%
16 Guaranteed Rate B 279140 5.7%6.63%
17 Citibank B 266143 12.0%6.00%
18 OCMBC C 265157 6.4%6.75%
19 CBC Federal Credit Union D 265154 29.1%8.00%
20 Figure Lending C 263124 25.5%8.50%
21 Loandepot.Com D 262155 19.1%7.25%
22 Wescom Central Credit Union D 238135 22.7%8.00%
23 Premier America D 233140 15.0%8.00%
24 Broker Solutions D 22096 5.0%7.00%
25 Freedom Mortgage B 20271 9.4%6.00%

Best approval odds in Ventura County

Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.

#LenderDecidedDecision denial rate
1Dignified Home Loans930.0%
2Augusta Financial1361.5%
3Citadel Servicing1031.9%
4ML Mortgage742.7%
5Coastal Community Bank2222.7%
6Mld Mortgage1712.9%
7Cake Mortgage813.7%
8Stg Mortgage513.9%
9CMG Mortgage3364.5%
10Lennar Mortgage884.6%

What Ventura County borrowers applied for

By loan purpose

Home purchase 7,494 34% · 7.8% denied
Refinance 3,803 17% · 14.8% denied
Cash-out refinance 4,497 21% · 18.9% denied
Home improvement 2,523 12% · 28.4% denied
Other / HELOC 3,611 16% · 25.2% denied

By loan type

Conventional 19,204 88% · 16.9% denied
FHA 1,656 8% · 15.6% denied
VA 1,066 5% · 12.0% denied
USDA / RHS 2 0% · 0.0% denied

Why applications were denied

Debt-to-income ratio 1,453 40%
Incomplete application 594 16%
Credit history 505 14%
Collateral 487 13%
Other 315 9%
Unverifiable information 162 4%
Insufficient cash 76 2%
Employment history 21 1%
Mortgage insurance denied 1 0%

Ventura County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
202316,5829,30820.5%6.99%$305,000
202419,52311,03219.2%6.99%$345,000
202521,92812,64516.5%6.63%$405,000

Frequently asked questions

16.5% of applications in Ventura County were denied in 2025, against 17.4% statewide in California.

United Shore Financial Services, with 1,521 applications in 2025 and a denial rate of 11.2%.

The median mortgage application in Ventura County in 2025 was for $405,000; the median property value on originated loans was $895,000.