Mortgage lenders in Ventura County
12,642 mortgages were made in Ventura County, California, in 2025, by 494 lenders. The median rate their borrowers got was 6.625% on a median loan of $475,000. Of 17,100 decisions, 3,626 were denials — 21.2%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 1,128 | 6.482% | $605,000 | 12.9% |
| Rocket Mortgage, LLC | 1,017 | 6.750% | $475,000 | 17.7% |
| LOGIX FEDERAL CREDIT UNION | 496 | 6.125% | $205,000 | 18.8% |
| Bank of America, National Association | 429 | 5.990% | $205,000 | 36.6% |
| VENTURA COUNTY CREDIT UNION | 395 | 3.990% | $145,000 | 14.7% |
| U.S. Bank National Association | 350 | 7.500% | $305,000 | 42.4% |
| PENNYMAC LOAN SERVICES, LLC | 324 | 6.500% | $650,000 | 14.7% |
| CMG MORTGAGE, INC. | 282 | 6.750% | $645,000 | 4.5% |
| GOLDEN EMPIRE MORTGAGE, INC. | 225 | 6.500% | $645,000 | 6.2% |
| JPMorgan Chase Bank, National Association | 224 | 6.368% | $540,000 | 15.2% |
| CROSSCOUNTRY MORTGAGE, INC. | 204 | 6.750% | $630,000 | 5.9% |
| SPRING EQ, LLC | 190 | 8.650% | $125,000 | 56.9% |
| NEWREZ LLC | 182 | 6.625% | $590,000 | 30.1% |
| Navy Federal Credit Union | 170 | 8.350% | $145,000 | 34.3% |
| OCMBC, INC. | 157 | 6.750% | $645,000 | 8.5% |
| Loandepot.Com, LLC | 155 | 7.250% | $285,000 | 24.0% |
| CBC Federal Credit Union | 154 | 8.000% | $155,000 | 33.3% |
| MLD MORTGAGE INC. | 146 | 6.500% | $600,000 | 2.9% |
| Citibank, National Association | 143 | 6.000% | $845,000 | 18.2% |
| GUARANTEED RATE, INC. | 140 | 6.625% | $640,000 | 9.8% |
| PREMIER AMERICA | 140 | 8.000% | $125,000 | 19.1% |
| WESCOM CENTRAL CREDIT UNION | 135 | 8.000% | $175,000 | 28.3% |
| AUGUSTA FINANCIAL, INC. | 134 | 6.624% | $625,000 | 1.5% |
| FIGURE LENDING LLC | 124 | 8.500% | $105,000 | 27.2% |
| THE LOAN STORE, INC. | 122 | 6.875% | $530,000 | 16.2% |
| NATIONSTAR MORTGAGE LLC | 103 | 8.500% | $125,000 | 25.9% |
| Broker Solutions, Inc. | 96 | 7.000% | $520,000 | 9.7% |
| Third Federal Savings and Loan Association of Cleveland | 96 | 6.990% | $155,000 | 41.6% |
| AMWEST FUNDING CORP. | 93 | 7.500% | $505,000 | 11.4% |
| KIND LENDING, LLC | 92 | 6.750% | $575,000 | 33.8% |
| SCHOOLSFIRST | 91 | 6.250% | $155,000 | 6.1% |
| DIGNIFIED HOME LOANS, LLC | 88 | 6.500% | $535,000 | 0.0% |
| Firefighters First Federal Credit Union | 87 | 8.000% | $215,000 | 5.4% |
| Citadel Servicing Corporation | 87 | 7.000% | $645,000 | 1.9% |
| LENNAR MORTGAGE, LLC | 83 | 4.990% | $785,000 | 4.6% |
| Wells Fargo Bank, National Association | 80 | 5.875% | $850,000 | 23.1% |
| MOVEMENT MORTGAGE, LLC | 80 | 6.625% | $615,000 | 6.9% |
| A&D Mortgage LLC | 77 | 6.490% | $595,000 | 10.5% |
| CAKE MORTGAGE CORP. | 76 | 7.500% | $710,000 | 3.7% |
| Sierra Pacific Mortgage Company, Inc. | 75 | 6.625% | $535,000 | 8.4% |
| FINANCE OF AMERICA REVERSE LLC | 74 | 7.495% | $405,000 | 12.6% |
| FREEDOM MORTGAGE CORPORATION | 71 | 6.000% | $605,000 | 19.4% |
| ML Mortgage Corp. | 71 | 5.990% | $665,000 | 2.7% |
| Coastal Community Bank | 66 | 9.740% | $65,000 | 2.7% |
| Paramount Residential Mortgage Group, Inc. | 61 | 6.750% | $615,000 | 4.7% |
| NEXERA HOLDING LLC | 60 | 7.250% | $535,000 | 6.1% |
| BMO Bank National Association | 59 | 7.250% | $435,000 | 37.2% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 59 | 6.250% | $455,000 | 11.8% |
| SOFI BANK, NATIONAL ASSOCIATION | 58 | 7.890% | $155,000 | 23.4% |
| City National Bank | 55 | 6.150% | $700,000 | 29.1% |
| Morgan Stanley Private Bank, National Association | 53 | 5.900% | $805,000 | 10.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 52 | 10.048% | $175,000 | 18.8% |
| Commerce Home Mortgage, Inc. | 51 | 7.500% | $765,000 | 7.3% |
| Prosperity Home Mortgage, LLC | 48 | 6.625% | $580,000 | 10.9% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 47 | 7.124% | $485,000 | 27.3% |
| ALLIANT CREDIT UNION | 47 | 8.000% | $165,000 | 22.6% |
| KINECTA | 47 | 6.740% | $165,000 | 6.0% |
| STG MORTGAGE INC | 46 | 6.625% | $745,000 | 3.9% |
| JMAC LENDING, INC. | 46 | 6.625% | $605,000 | 6.1% |
| PNC Bank, National Association | 44 | 7.125% | $405,000 | 38.4% |
| Mortgage Research Center, LLC | 43 | 5.990% | $635,000 | 39.4% |
| PFN Lending Group, Inc. | 43 | 6.750% | $705,000 | 12.2% |
| FIRST COLONY MORTGAGE CORPORATION | 43 | 6.490% | $525,000 | 2.0% |
| Shea Mortgage Inc. | 43 | 6.500% | $725,000 | 2.3% |
| GUILD MORTGAGE COMPANY | 42 | 6.750% | $480,000 | 4.2% |
| HOMEAMERICAN MORTGAGE CORPORATION | 42 | 4.500% | $715,000 | 8.7% |
| OriginPoint, LLC | 40 | 6.750% | $775,000 | 7.0% |
| UNION HOME MORTGAGE CORP. | 40 | 6.125% | $680,000 | 10.9% |
| PENTAGON FEDERAL CREDIT UNION | 39 | 7.750% | $255,000 | 45.1% |
| Hometown Equity Mortgage, LLC | 39 | 7.375% | $625,000 | 43.5% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 39 | 6.625% | $675,000 | 13.3% |
| AmeriSave Mortgage Corporation | 38 | 8.500% | $130,000 | 69.2% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 38 | 6.250% | $645,000 | 11.1% |
| CHAMPIONS FUNDING, LLC | 35 | 7.125% | $525,000 | 37.5% |
| NATIONS DIRECT MORTGAGE, LLC | 35 | 6.625% | $535,000 | 7.9% |
| CLEAREDGE LENDING LLC | 35 | 6.999% | $645,000 | 16.7% |
| ROYAL PACIFIC FUNDING CORP. | 34 | 6.558% | $620,000 | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | 33 | 8.610% | $255,000 | 20.5% |
| ALAMEDA MORTGAGE CORPORATION | 33 | 6.625% | $635,000 | 0.0% |
| BETTER MORTGAGE CORPORATION | 32 | 8.125% | $365,000 | 39.3% |
| FIRST ENTERTAINMENT | 32 | 8.000% | $175,000 | 23.8% |
| Charles Schwab Bank, SSB | 32 | 5.375% | $1,185,000 | 7.9% |
| QUORUM FEDERAL CREDIT UNION | 30 | 8.875% | $165,000 | 22.2% |
| Discover Bank | 29 | 8.480% | $125,000 | 73.2% |
| First-Citizens Bank & Trust Company | 29 | 5.990% | $335,000 | 15.8% |
| FIRST TECHNOLOGY FEDERAL CREDIT UNION | 29 | 7.625% | $205,000 | 10.5% |
| NMSI, INC. | 29 | 6.625% | $645,000 | 0.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 28 | 9.100% | $130,000 | 26.9% |
| NexBank | 28 | 6.375% | $900,000 | 6.7% |
| NEW WAVE LENDING GROUP INC | 28 | 7.250% | $725,000 | 0.0% |
| Logan Finance Corporation | 26 | 7.187% | $935,000 | 7.1% |
| Nations Lending Corporation | 26 | 6.563% | $530,000 | 0.0% |
| PLANET HOME LENDING, LLC | 26 | 6.313% | $540,000 | 13.3% |
| PHH Mortgage Corporation | 25 | 5.990% | $535,000 | 21.9% |
| LoanUnited.com, LLC | 25 | 5.750% | $645,000 | 3.9% |
| SUN WEST MORTGAGE COMPANY, INC. | 25 | 6.000% | $645,000 | 8.1% |
| MORTGAGEONE, INC. | 24 | 6.375% | $665,000 | 4.0% |
| THE GOLDEN 1 | 24 | 7.750% | $230,000 | 37.2% |
| Flagstar Bank, N.A. | 24 | 6.625% | $460,000 | 41.9% |
| PLAZA HOME MORTGAGE, INC. | 24 | 6.500% | $480,000 | 34.2% |
| LAKEVIEW LOAN SERVICING, LLC | 23 | 7.750% | $155,000 | 65.6% |
| RESICENTRAL, LLC | 23 | 6.750% | $685,000 | 11.5% |
| Lendage, LLC | 23 | 10.500% | $75,000 | 10.7% |
| CALIFORNIA CREDIT UNION | 22 | 5.933% | $405,000 | 43.9% |
| GUARANTEED RATE AFFINITY, LLC | 22 | 6.625% | $635,000 | 8.3% |
| Mechanics Bank | 22 | 6.438% | $440,000 | 17.9% |
| CARRINGTON MORTGAGE SERVICES, LLC | 21 | 6.624% | $365,000 | 68.8% |
| HOMEXPRESS MORTGAGE CORP. | 21 | 7.125% | $655,000 | 46.2% |
| LONGBRIDGE FINANCIAL, LLC | 21 | 6.500% | $365,000 | 16.7% |
| 549300MPZDD9EFQ1E963 | 21 | 6.750% | $775,000 | 0.0% |
| UBS Bank USA | 21 | 6.000% | $855,000 | 12.5% |
| ORANGE COUNTY'S CREDIT UNION | 21 | 6.375% | $435,000 | 0.0% |
| FlexPoint, Inc. | 20 | 7.625% | $685,000 | 3.6% |
| 549300U4NMMQ8OEM3D10 | 20 | Not published | $180,000 | 7.7% |
| F&A Federal Credit Union | 20 | 6.875% | $155,000 | 9.1% |
| Financial Partners Credit Union | 19 | 7.500% | $225,000 | 24.2% |
| HomeTrust Bank | 19 | 7.750% | $385,000 | 4.6% |
| VISTA POINT MORTGAGE, LLC | 18 | 8.688% | $265,000 | 20.0% |
| Kiavi Funding, Inc. | 18 | 10.350% | $735,000 | 0.0% |
| CAMPOS FINANCIAL CORP. | 18 | 6.625% | $545,000 | 0.0% |
| Fairway Independent Mortgage Corporation | 17 | 6.875% | $695,000 | 10.5% |
| GTE Federal Credit Union | 17 | 8.250% | $125,000 | 18.2% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 17 | 6.490% | $555,000 | 9.5% |
| Truist Bank | 16 | 6.490% | $690,000 | 50.0% |
| COMMUNITYAMERICA CREDIT UNION | 16 | 8.240% | $195,000 | 46.7% |
| AMERITRUST MORTGAGE CORPORATION | 16 | 6.990% | $690,000 | 11.1% |
| DEEPHAVEN MORTGAGE LLC | 15 | 7.875% | $405,000 | 51.5% |
| GoodLeap, LLC | 15 | 8.300% | $85,000 | 21.9% |
| Bethpage Federal Credit Union | 15 | 6.490% | $255,000 | 50.0% |
| USAA Federal Savings Bank | 15 | 6.250% | $715,000 | 23.8% |
| Equity Prime Mortgage LLC | 15 | 6.125% | $555,000 | 16.7% |
| Zions Bancorporation, N.A. | 15 | 6.125% | $405,000 | 25.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 15 | 6.500% | $655,000 | 6.3% |
| Comerica Bank | 14 | 5.990% | $305,000 | 57.6% |
| Baxter Credit Union | 14 | 7.438% | $145,000 | 20.8% |
| ZILLOW HOME LOANS, LLC | 14 | 6.438% | $635,000 | 6.7% |
| KBHS HOME LOANS, LLC | 14 | 6.070% | $640,000 | 0.0% |
| COASTAL FUNDING SLC, INC. | 14 | 6.375% | $540,000 | 0.0% |
| GENWAY HOME MORTGAGE, INC. | 13 | 6.750% | $665,000 | 31.6% |
| ARC HOME LLC | 13 | 6.875% | $605,000 | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 12 | 6.250% | $815,000 | 7.1% |
| Montecito Bank & Trust | 12 | Not published | $600,000 | 18.8% |
| USALLIANCE FEDERAL CREDIT UNION | 12 | 8.500% | $355,000 | 33.3% |
| HIGHTECHLENDING INC | 12 | 6.250% | $490,000 | 7.7% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 11 | 5.995% | $635,000 | 7.7% |
| 9845005BP6974AE5D838 | 11 | 6.875% | $1,025,000 | 17.4% |
| FUNDLOANS CAPITAL | 11 | 7.250% | $435,000 | 0.0% |
| Valon Mortgage, Inc. | 11 | 8.150% | $65,000 | 11.8% |
| AMERIHOME MORTGAGE COMPANY, LLC | 11 | 6.750% | $635,000 | 7.7% |
| Barrington Bank & Trust Company, National Association | 11 | 6.875% | $585,000 | 0.0% |
| LOS ANGELES POLICE Federal Credit Union | 11 | Not published | $105,000 | 15.4% |
| MACKILLIE INCORPORATED | 11 | 11.000% | $295,000 | 0.0% |
| 21st Mortgage Corporation | 10 | 9.355% | $265,000 | 77.8% |
| VILLAGE CAPITAL & INVESTMENT LLC | 10 | 5.870% | $790,000 | 12.5% |
| First Bank | 10 | 8.250% | $185,000 | 45.0% |
| OAKTREE FUNDING CORP. | 10 | 8.875% | $275,000 | 0.0% |
| MORTGAGE CAPITAL PARTNERS, INC. | 10 | 6.438% | $560,000 | 0.0% |
| Greenbox Loans, Inc. | 10 | 8.000% | $490,000 | 7.7% |
| NQM FUNDING, LLC | 10 | 7.437% | $1,210,000 | 14.3% |
| EMET LENDING GROUP, INC. | 10 | 6.750% | $535,000 | 0.0% |
| THE FIRST FINANCIAL FEDERAL CREDIT UNION | 10 | 8.250% | $125,000 | 8.3% |
| CONVENTUS LLC | 10 | 9.490% | $410,000 | 0.0% |
| Axos Bank | 9 | Under 10 loans | Under 10 loans | 25.0% |
| 254900M2C4Q6DATP2889 | 9 | Under 10 loans | Under 10 loans | 18.2% |
| PARTNERS Federal Credit Union | 9 | Under 10 loans | Under 10 loans | 35.7% |
| AMERICAN FINANCIAL RESOURCES, INC. | 9 | Under 10 loans | Under 10 loans | 9.1% |
| Stifel Bank and Trust | 9 | Under 10 loans | Under 10 loans | 0.0% |
| TRADITIONAL MORTGAGE ACCEPTANCE CORPORATION | 9 | Under 10 loans | Under 10 loans | 23.1% |
| 2549005FUF02T1IFCA22 | 9 | Under 10 loans | Under 10 loans | 0.0% |
| AAA CAPITAL INVESTMENT, INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Gain Federal Credit Union | 9 | Under 10 loans | Under 10 loans | 10.0% |
| JMJ FINANCIAL GROUP | 9 | Under 10 loans | Under 10 loans | 0.0% |
| CENTRAL COAST LENDING, INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Home Mortgage Alliance Corporation (HMAC) | 8 | Under 10 loans | Under 10 loans | 43.8% |
| FARMERS INSURANCE GROUP FEDERAL CREDIT UNION | 8 | Under 10 loans | Under 10 loans | 35.7% |
| General Mortgage Capital Corporation | 8 | Under 10 loans | Under 10 loans | 0.0% |
| VAL-CHRIS INVESTMENTS, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| FRANKLIN LOAN CORPORATION | 8 | Under 10 loans | Under 10 loans | 0.0% |
| WALL STREET MORTGAGE BANKERS, LTD. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| BAY EQUITY LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| CORNERSTONE CAPITAL BANK, SSB | 8 | Under 10 loans | Under 10 loans | 0.0% |
| MISSION LOANS, LLC | 7 | Under 10 loans | Under 10 loans | 10.0% |
| AMERICAN FINANCING CORPORATION | 7 | Under 10 loans | Under 10 loans | 72.0% |
| FOUNDATION MORTGAGE CORPORATION | 7 | Under 10 loans | Under 10 loans | 34.5% |
| CREDIT UNION OF SOUTHERN CALIFORNIA | 7 | Under 10 loans | Under 10 loans | 41.7% |
| SmartFi Home Loans, LLC | 7 | Under 10 loans | Under 10 loans | 36.4% |
| NBKC BANK | 7 | Under 10 loans | Under 10 loans | 0.0% |
| 254900CTT87ZKAUTIJ37 | 7 | Under 10 loans | Under 10 loans | 0.0% |
| The Dart Bank | 7 | Under 10 loans | Under 10 loans | 9.1% |
| LUXURY MORTGAGE CORP. | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Raymond James Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| WATER AND POWER COMMUNITY Credit Union | 7 | Under 10 loans | Under 10 loans | 0.0% |
| CALTECH EMPLOYEES FEDERAL CREDIT UNION | 7 | Under 10 loans | Under 10 loans | 0.0% |
| VICTORIA FINANCIAL CORP. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| MICHIGAN MUTUAL, INC. | 6 | Under 10 loans | Under 10 loans | 9.1% |
| BAY-VALLEY MORTGAGE GROUP | 6 | Under 10 loans | Under 10 loans | 0.0% |
| V.I.P. MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| LADERA LENDING, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 294 lenders each made 6 or fewer mortgages here, and are counted in the totals above.
Bank branches in Ventura County
118 FDIC-insured branches from 21 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| Wells Fargo Bank, National Association | 23 | $5.3 billion |
| JPMorgan Chase Bank, National Association | 20 | $6.2 billion |
| Bank of America, National Association | 17 | $4.8 billion |
| U.S. Bank National Association | 13 | $2.0 billion |
| Citibank, National Association | 7 | $1.4 billion |
| Mechanics Bank | 7 | $803.4 million |
| Citizens Business Bank, National Association | 4 | $356.3 million |
| Bank of the Sierra | 4 | $299.3 million |
| Montecito Bank & Trust | 4 | $258.8 million |
| Banc of California | 3 | $306.9 million |
| City National Bank | 2 | $534.4 million |
| Community West Bank | 2 | $127.2 million |
| First Bank | 2 | $122.7 million |
| Royal Business Bank | 2 | $104.1 million |
| BMO Bank National Association | 2 | $78.8 million |
| Mission Bank | 1 | $240.3 million |
| First-Citizens Bank & Trust Company | 1 | $134.6 million |
| California Bank of Commerce, National Association | 1 | $112.1 million |
| Fifth Third Bank, National Association | 1 | $101.0 million |
| Zions Bancorporation, N.A. | 1 | $64.3 million |
| EverBank, National Association | 1 | $63.2 million |
Closed since the 2025 survey
2 branches in the 2025 survey have no 2026 row: closed, sold, or moved.
- Bank of America, National Association, 5800 Santa Rosa Rd, Ste 120, Camarillo
- Comerica Bank, 2915 Townsgate Rd, Westlake Village
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When the next year’s lending figures are out for Ventura County, or a lender arrives or leaves.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. Branches and deposits come from the FDIC Summary of Deposits as of 30 June 2026, and bank balance sheets from the FDIC institutions directory. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.