Home purchase lenders in Ventura County
5,199 home purchase mortgages were made in Ventura County, California, in 2025, by 361 lenders. The median rate their borrowers got was 6.500% on a median loan of $665,000. Of 6,013 decisions, 587 were denials — 9.8%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 572 | 6.500% | $655,000 | 10.2% |
| Rocket Mortgage, LLC | 393 | 6.500% | $705,000 | 14.3% |
| GOLDEN EMPIRE MORTGAGE, INC. | 178 | 6.500% | $645,000 | 7.1% |
| CMG MORTGAGE, INC. | 173 | 6.750% | $685,000 | 2.5% |
| PENNYMAC LOAN SERVICES, LLC | 167 | 6.500% | $755,000 | 10.1% |
| CROSSCOUNTRY MORTGAGE, INC. | 127 | 6.750% | $725,000 | 2.3% |
| JPMorgan Chase Bank, National Association | 110 | 6.125% | $610,000 | 12.4% |
| NEWREZ LLC | 102 | 6.250% | $705,000 | 9.6% |
| AUGUSTA FINANCIAL, INC. | 101 | 6.500% | $655,000 | 1.0% |
| MLD MORTGAGE INC. | 98 | 6.433% | $605,000 | 1.8% |
| OCMBC, INC. | 96 | 6.625% | $670,000 | 4.4% |
| U.S. Bank National Association | 93 | 6.490% | $705,000 | 12.7% |
| Citibank, National Association | 83 | 6.000% | $910,000 | 6.7% |
| LENNAR MORTGAGE, LLC | 83 | 4.990% | $785,000 | 4.6% |
| GUARANTEED RATE, INC. | 79 | 6.625% | $655,000 | 7.1% |
| DIGNIFIED HOME LOANS, LLC | 79 | 6.500% | $535,000 | 0.0% |
| Bank of America, National Association | 78 | 6.000% | $760,000 | 16.8% |
| THE LOAN STORE, INC. | 75 | 6.500% | $605,000 | 3.6% |
| ML Mortgage Corp. | 68 | 5.933% | $660,000 | 2.8% |
| Sierra Pacific Mortgage Company, Inc. | 55 | 6.625% | $545,000 | 5.2% |
| Paramount Residential Mortgage Group, Inc. | 51 | 6.750% | $615,000 | 5.6% |
| MOVEMENT MORTGAGE, LLC | 50 | 6.625% | $625,000 | 6.4% |
| Citadel Servicing Corporation | 50 | 7.063% | $520,000 | 1.7% |
| KIND LENDING, LLC | 47 | 6.500% | $625,000 | 35.1% |
| Wells Fargo Bank, National Association | 43 | 6.000% | $885,000 | 14.0% |
| Shea Mortgage Inc. | 43 | 6.500% | $725,000 | 2.3% |
| HOMEAMERICAN MORTGAGE CORPORATION | 42 | 4.500% | $715,000 | 8.7% |
| Prosperity Home Mortgage, LLC | 40 | 6.688% | $590,000 | 8.9% |
| Loandepot.Com, LLC | 40 | 6.500% | $675,000 | 9.1% |
| A&D Mortgage LLC | 39 | 6.490% | $645,000 | 7.1% |
| Mortgage Research Center, LLC | 39 | 6.125% | $635,000 | 9.3% |
| STG MORTGAGE INC | 37 | 6.625% | $725,000 | 4.9% |
| Morgan Stanley Private Bank, National Association | 37 | 5.950% | $865,000 | 5.0% |
| Broker Solutions, Inc. | 36 | 6.750% | $635,000 | 2.7% |
| AMWEST FUNDING CORP. | 35 | 6.625% | $675,000 | 10.3% |
| LOGIX FEDERAL CREDIT UNION | 35 | 6.375% | $625,000 | 2.8% |
| CAKE MORTGAGE CORP. | 34 | 7.375% | $855,000 | 2.9% |
| JMAC LENDING, INC. | 34 | 6.500% | $605,000 | 2.9% |
| Navy Federal Credit Union | 33 | 6.250% | $695,000 | 15.0% |
| TRIAD FINANCIAL SERVICES, INC. | 33 | 8.610% | $255,000 | 20.5% |
| OriginPoint, LLC | 31 | 6.750% | $805,000 | 6.1% |
| UNION HOME MORTGAGE CORP. | 31 | 6.125% | $645,000 | 8.6% |
| VENTURA COUNTY CREDIT UNION | 31 | 6.250% | $605,000 | 6.1% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 30 | 6.688% | $740,000 | 0.0% |
| City National Bank | 29 | 6.100% | $715,000 | 25.0% |
| PFN Lending Group, Inc. | 28 | 6.625% | $765,000 | 12.5% |
| Commerce Home Mortgage, Inc. | 27 | 7.875% | $885,000 | 6.9% |
| FIRST COLONY MORTGAGE CORPORATION | 27 | 6.500% | $625,000 | 3.2% |
| GUILD MORTGAGE COMPANY | 27 | 6.375% | $505,000 | 0.0% |
| ALAMEDA MORTGAGE CORPORATION | 26 | 6.750% | $645,000 | 0.0% |
| CLEAREDGE LENDING LLC | 23 | 6.999% | $1,065,000 | 14.8% |
| FREEDOM MORTGAGE CORPORATION | 23 | 5.990% | $695,000 | 14.3% |
| NMSI, INC. | 23 | 6.500% | $645,000 | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | 22 | 6.620% | $660,000 | 8.3% |
| ROYAL PACIFIC FUNDING CORP. | 22 | 6.433% | $620,000 | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 22 | 6.990% | $425,000 | 15.4% |
| Charles Schwab Bank, SSB | 22 | 5.250% | $1,320,000 | 3.9% |
| NEXERA HOLDING LLC | 21 | 7.375% | $725,000 | 0.0% |
| Hometown Equity Mortgage, LLC | 21 | 7.125% | $765,000 | 34.4% |
| Logan Finance Corporation | 21 | 7.249% | $885,000 | 8.7% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 20 | 9.050% | $130,000 | 32.6% |
| BMO Bank National Association | 20 | 6.688% | $900,000 | 20.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 20 | 6.375% | $660,000 | 4.4% |
| Nations Lending Corporation | 20 | 6.625% | $530,000 | 0.0% |
| ORANGE COUNTY'S CREDIT UNION | 19 | 6.375% | $445,000 | 0.0% |
| NEW WAVE LENDING GROUP INC | 19 | 7.250% | $725,000 | 0.0% |
| 549300U4NMMQ8OEM3D10 | 18 | Not published | $185,000 | 8.3% |
| RESICENTRAL, LLC | 17 | 6.875% | $685,000 | 15.0% |
| PLAZA HOME MORTGAGE, INC. | 17 | 6.375% | $615,000 | 26.1% |
| Kiavi Funding, Inc. | 17 | 10.450% | $725,000 | 0.0% |
| MORTGAGEONE, INC. | 15 | 6.375% | $685,000 | 6.3% |
| GUARANTEED RATE AFFINITY, LLC | 15 | 6.500% | $625,000 | 6.3% |
| SCHOOLSFIRST | 15 | 5.875% | $635,000 | 0.0% |
| ZILLOW HOME LOANS, LLC | 14 | 6.438% | $635,000 | 6.7% |
| KBHS HOME LOANS, LLC | 14 | 6.070% | $640,000 | 0.0% |
| CBC Federal Credit Union | 14 | 6.000% | $980,000 | 0.0% |
| CHAMPIONS FUNDING, LLC | 13 | 7.375% | $655,000 | 23.5% |
| First-Citizens Bank & Trust Company | 13 | 5.875% | $545,000 | 13.3% |
| NexBank | 12 | 6.500% | $800,000 | 7.7% |
| SUN WEST MORTGAGE COMPANY, INC. | 12 | 6.375% | $680,000 | 6.3% |
| PLANET HOME LENDING, LLC | 12 | 5.933% | $635,000 | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 12 | 6.188% | $655,000 | 14.3% |
| Fairway Independent Mortgage Corporation | 12 | 6.688% | $685,000 | 14.3% |
| USAA Federal Savings Bank | 11 | 6.250% | $805,000 | 15.4% |
| Flagstar Bank, N.A. | 11 | 6.750% | $465,000 | 38.9% |
| FlexPoint, Inc. | 11 | 7.250% | $635,000 | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 11 | 6.625% | $555,000 | 13.3% |
| PNC Bank, National Association | 11 | 6.375% | $665,000 | 21.4% |
| COASTAL FUNDING SLC, INC. | 11 | 6.375% | $545,000 | 0.0% |
| GENWAY HOME MORTGAGE, INC. | 10 | 7.000% | $700,000 | 28.6% |
| PREMIER AMERICA | 10 | 6.750% | $450,000 | 0.0% |
| Firefighters First Federal Credit Union | 10 | 6.000% | $605,000 | 9.1% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 10 | 6.500% | $670,000 | 9.1% |
| UBS Bank USA | 10 | 5.688% | $1,020,000 | 16.7% |
| LoanUnited.com, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Truist Bank | 9 | Under 10 loans | Under 10 loans | 16.7% |
| Mechanics Bank | 9 | Under 10 loans | Under 10 loans | 0.0% |
| CAMPOS FINANCIAL CORP. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONSTAR MORTGAGE LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| CONVENTUS LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| 21st Mortgage Corporation | 8 | Under 10 loans | Under 10 loans | 81.0% |
| BETTER MORTGAGE CORPORATION | 8 | Under 10 loans | Under 10 loans | 46.7% |
| 549300MPZDD9EFQ1E963 | 8 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 8 | Under 10 loans | Under 10 loans | 46.7% |
| AMERITRUST MORTGAGE CORPORATION | 8 | Under 10 loans | Under 10 loans | 11.1% |
| ALLIANT CREDIT UNION | 8 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 8 | Under 10 loans | Under 10 loans | 11.1% |
| EMET LENDING GROUP, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 7 | Under 10 loans | Under 10 loans | 46.2% |
| AMERICAN FINANCIAL NETWORK, INC. | 7 | Under 10 loans | Under 10 loans | 12.5% |
| 9845005BP6974AE5D838 | 7 | Under 10 loans | Under 10 loans | 0.0% |
| 2549005FUF02T1IFCA22 | 7 | Under 10 loans | Under 10 loans | 0.0% |
| BAY EQUITY LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Montecito Bank & Trust | 6 | Under 10 loans | Under 10 loans | 12.5% |
| CALIFORNIA CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| The Dart Bank | 6 | Under 10 loans | Under 10 loans | 11.1% |
| CARRINGTON MORTGAGE SERVICES, LLC | 6 | Under 10 loans | Under 10 loans | 12.5% |
| THE GOLDEN 1 | 6 | Under 10 loans | Under 10 loans | 12.5% |
| NQM FUNDING, LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Barrington Bank & Trust Company, National Association | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Raymond James Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| F&A Federal Credit Union | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Eagle Community Credit Union | 6 | Under 10 loans | Under 10 loans | 0.0% |
| VICTORIA FINANCIAL CORP. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| MERCHANTS MORTGAGE & TRUST CORPORATION, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| PANORAMA MORTGAGE GROUP, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| SPRING EQ, LLC | 5 | Under 10 loans | Under 10 loans | 58.3% |
| FOUNDATION MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 16.7% |
| MICHIGAN MUTUAL, INC. | 5 | Under 10 loans | Under 10 loans | 10.0% |
| MORTGAGE CAPITAL PARTNERS, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Axos Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| 254900CTT87ZKAUTIJ37 | 5 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| General Mortgage Capital Corporation | 5 | Under 10 loans | Under 10 loans | 0.0% |
| ARC HOME LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| EZ FUNDINGS INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| CANOPY MORTGAGE, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| LUXURY MORTGAGE CORP. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| CORNERSTONE CAPITAL BANK, SSB | 5 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST TECHNOLOGY FEDERAL CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Manufacturers and Traders Trust Company | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Tomo Mortgage, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Click n' Close, Inc. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| GEO-CORP, INC. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| LENDSURE MORTGAGE CORP. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Stifel Bank and Trust | 4 | Under 10 loans | Under 10 loans | 0.0% |
| BAY-VALLEY MORTGAGE GROUP | 4 | Under 10 loans | Under 10 loans | 0.0% |
| FUNDLOANS CAPITAL | 4 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST ALLIANCE HOME MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| V.I.P. MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| T. J. FINANCIAL, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| WALL STREET MORTGAGE BANKERS, LTD. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| JMJ FINANCIAL GROUP | 4 | Under 10 loans | Under 10 loans | 0.0% |
| WESCOM CENTRAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 57.1% |
| AHL FUNDING | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AAA CAPITAL INVESTMENT, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ENVOY MORTGAGE, LTD | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MidFirst Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| COMMUNITYAMERICA CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| T2 FINANCIAL LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SIRVA MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| WALL FINANCIAL, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LOWER, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| First Federal Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Genesis Capital, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FRANKLIN LOAN CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| RBC Bank, (Georgia) National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST STANDARD FINANCIAL CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LOS ANGELES POLICE Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CALTECH EMPLOYEES FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MACKILLIE INCORPORATED | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST ENTERTAINMENT | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Home Mortgage Alliance Corporation (HMAC) | 2 | Under 10 loans | Under 10 loans | 60.0% |
| Emporium TPO LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Funder LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Synergy One Lending, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Greenbox Loans, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CALCON MUTUAL MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| NBKC BANK | 2 | Under 10 loans | Under 10 loans | 0.0% |
| VISTA POINT MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TECHNOLOGY CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Third Federal Savings and Loan Association of Cleveland | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NuVision Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GTE Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Ameris Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Libertyville Bank & Trust Company, N.A. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Watermark Capital, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SmartFi Home Loans, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Filo Mortgage, L.L.C. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HABITFACTORY USA, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LBS FINANCIAL | 2 | 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 161 lenders each made 2 or fewer mortgages here, and are counted in the totals above.
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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. 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.