Refinancing lenders in Ventura County
2,133 refinancing mortgages were made in Ventura County, California, in 2025, by 293 lenders. The median rate their borrowers got was 6.125% on a median loan of $625,000. Of 2,849 decisions, 564 were denials — 19.8%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 325 | 5.999% | $655,000 | 9.3% |
| Rocket Mortgage, LLC | 161 | 5.990% | $675,000 | 22.8% |
| Bank of America, National Association | 115 | 5.990% | $225,000 | 29.1% |
| CMG MORTGAGE, INC. | 82 | 6.625% | $590,000 | 5.1% |
| PENNYMAC LOAN SERVICES, LLC | 73 | 5.999% | $745,000 | 15.6% |
| U.S. Bank National Association | 70 | 6.313% | $650,000 | 10.0% |
| FINANCE OF AMERICA REVERSE LLC | 52 | 6.625% | $405,000 | 12.9% |
| JPMorgan Chase Bank, National Association | 43 | 5.990% | $635,000 | 14.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 35 | 6.250% | $385,000 | 7.9% |
| CROSSCOUNTRY MORTGAGE, INC. | 34 | 6.538% | $600,000 | 2.7% |
| Third Federal Savings and Loan Association of Cleveland | 33 | 6.990% | $225,000 | 48.4% |
| GUARANTEED RATE, INC. | 33 | 6.375% | $725,000 | 2.9% |
| GOLDEN EMPIRE MORTGAGE, INC. | 33 | 6.490% | $655,000 | 2.9% |
| FREEDOM MORTGAGE CORPORATION | 29 | 5.750% | $605,000 | 19.1% |
| Citibank, National Association | 29 | 5.750% | $955,000 | 3.3% |
| MLD MORTGAGE INC. | 28 | 6.500% | $735,000 | 0.0% |
| A&D Mortgage LLC | 27 | 6.125% | $595,000 | 10.0% |
| AUGUSTA FINANCIAL, INC. | 25 | 6.625% | $655,000 | 0.0% |
| Broker Solutions, Inc. | 21 | 6.875% | $665,000 | 8.7% |
| NEWREZ LLC | 20 | 5.933% | $715,000 | 47.7% |
| Wells Fargo Bank, National Association | 20 | 5.688% | $940,000 | 20.0% |
| MOVEMENT MORTGAGE, LLC | 20 | 6.406% | $760,000 | 0.0% |
| Loandepot.Com, LLC | 19 | 5.990% | $635,000 | 28.6% |
| Citadel Servicing Corporation | 19 | 6.875% | $785,000 | 5.0% |
| PHH Mortgage Corporation | 18 | 5.750% | $555,000 | 18.2% |
| LONGBRIDGE FINANCIAL, LLC | 18 | 6.375% | $360,000 | 19.2% |
| OCMBC, INC. | 17 | 6.375% | $685,000 | 13.8% |
| LoanUnited.com, LLC | 16 | 5.750% | $625,000 | 5.9% |
| PENTAGON FEDERAL CREDIT UNION | 16 | 7.688% | $290,000 | 44.8% |
| LOGIX FEDERAL CREDIT UNION | 16 | 5.875% | $750,000 | 20.0% |
| KIND LENDING, LLC | 15 | 6.500% | $765,000 | 30.4% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 15 | 6.000% | $635,000 | 16.7% |
| NATIONSTAR MORTGAGE LLC | 14 | 6.125% | $645,000 | 22.2% |
| PNC Bank, National Association | 12 | 6.000% | $305,000 | 36.8% |
| 549300MPZDD9EFQ1E963 | 12 | 6.500% | $700,000 | 0.0% |
| NexBank | 12 | 6.000% | $980,000 | 0.0% |
| Discover Bank | 10 | 8.390% | $150,000 | 72.2% |
| SPRING EQ, LLC | 10 | 8.600% | $185,000 | 52.4% |
| KINECTA | 10 | 6.865% | $240,000 | 0.0% |
| HIGHTECHLENDING INC | 10 | 6.250% | $495,000 | 9.1% |
| VILLAGE CAPITAL & INVESTMENT LLC | 9 | Under 10 loans | Under 10 loans | 5.3% |
| CHAMPIONS FUNDING, LLC | 9 | Under 10 loans | Under 10 loans | 57.1% |
| THE LOAN STORE, INC. | 9 | Under 10 loans | Under 10 loans | 12.5% |
| VENTURA COUNTY CREDIT UNION | 9 | Under 10 loans | Under 10 loans | 25.0% |
| CAKE MORTGAGE CORP. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| TRADITIONAL MORTGAGE ACCEPTANCE CORPORATION | 9 | Under 10 loans | Under 10 loans | 16.7% |
| PLANET HOME LENDING, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 8 | Under 10 loans | Under 10 loans | 59.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 8 | Under 10 loans | Under 10 loans | 10.0% |
| UNION HOME MORTGAGE CORP. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| First-Citizens Bank & Trust Company | 8 | Under 10 loans | Under 10 loans | 0.0% |
| City National Bank | 8 | Under 10 loans | Under 10 loans | 11.1% |
| MACKILLIE INCORPORATED | 8 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 7 | Under 10 loans | Under 10 loans | 15.4% |
| Sierra Pacific Mortgage Company, Inc. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| STG MORTGAGE INC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL PACIFIC FUNDING CORP. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Bethpage Federal Credit Union | 7 | Under 10 loans | Under 10 loans | 12.5% |
| MORTGAGEONE, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 6 | Under 10 loans | Under 10 loans | 53.3% |
| CBC Federal Credit Union | 6 | Under 10 loans | Under 10 loans | 40.0% |
| FIRST COLONY MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Prosperity Home Mortgage, LLC | 6 | Under 10 loans | Under 10 loans | 25.0% |
| NEW WAVE LENDING GROUP INC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| HomeTrust Bank | 6 | Under 10 loans | Under 10 loans | 12.5% |
| CALIFORNIA CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Lendage, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Zions Bancorporation, N.A. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Navy Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 28.6% |
| AMERICAN FINANCIAL NETWORK, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| PFN Lending Group, Inc. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE CAPITAL PARTNERS, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 37.5% |
| Nations Lending Corporation | 5 | Under 10 loans | Under 10 loans | 0.0% |
| LADERA LENDING, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 5 | Under 10 loans | Under 10 loans | 0.0% |
| BMO Bank National Association | 5 | Under 10 loans | Under 10 loans | 16.7% |
| FIRST ENTERTAINMENT | 5 | Under 10 loans | Under 10 loans | 16.7% |
| OriginPoint, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| UBS Bank USA | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 5 | Under 10 loans | Under 10 loans | 16.7% |
| AAA CAPITAL INVESTMENT, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Research Center, LLC | 4 | Under 10 loans | Under 10 loans | 76.5% |
| Comerica Bank | 4 | Under 10 loans | Under 10 loans | 69.2% |
| SmartFi Home Loans, LLC | 4 | Under 10 loans | Under 10 loans | 50.0% |
| NQM FUNDING, LLC | 4 | Under 10 loans | Under 10 loans | 14.3% |
| NATIONS DIRECT MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Logan Finance Corporation | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Montecito Bank & Trust | 4 | Under 10 loans | Under 10 loans | 0.0% |
| F&A Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| First Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| WALL STREET MORTGAGE BANKERS, LTD. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ONY GLO, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 3 | Under 10 loans | Under 10 loans | 63.6% |
| Truist Bank | 3 | Under 10 loans | Under 10 loans | 50.0% |
| VISTA POINT MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 14.3% |
| SOFI BANK, NATIONAL ASSOCIATION | 3 | Under 10 loans | Under 10 loans | 20.0% |
| Fairway Independent Mortgage Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERITRUST MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 50.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| JMAC LENDING, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| DIGNIFIED HOME LOANS, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Ameris Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Filo Mortgage, L.L.C. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NEXERA HOLDING LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PREMIER AMERICA | 3 | Under 10 loans | Under 10 loans | 0.0% |
| University Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| AMWEST FUNDING CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| INTELLILOAN, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| WATER AND POWER COMMUNITY Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GTE Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FOUNDATION MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 47.1% |
| MISSION LOANS, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTH RIVER MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 77.8% |
| NETWORK CAPITAL FUNDING CORPORATION | 2 | Under 10 loans | Under 10 loans | 60.0% |
| ARC HOME LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 9845005BP6974AE5D838 | 2 | Under 10 loans | Under 10 loans | 50.0% |
| FlexPoint, Inc. | 2 | Under 10 loans | Under 10 loans | 25.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 2 | Under 10 loans | Under 10 loans | 60.0% |
| Barrington Bank & Trust Company, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 254900CTT87ZKAUTIJ37 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 25.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| WESCOM CENTRAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Morgan Stanley Private Bank, National Association | 2 | Under 10 loans | Under 10 loans | 50.0% |
| General Mortgage Capital Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| VALLEY STRONG CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Business Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| QUORUM FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Mechanics Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL UNITED MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| USC Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Empeople Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ML Mortgage Corp. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FRANKLIN LOAN CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SCHOOLSFIRST | 2 | Under 10 loans | Under 10 loans | 0.0% |
| T. J. FINANCIAL, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DATA MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CORNERSTONE CAPITAL BANK, SSB | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NMSI, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NuVision Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NOBLE | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Greenbox Loans, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ENNKAR, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Cathay Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GUILD MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 33.3% |
| ALAMEDA MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| PLAZA HOME MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Axos Bank | 1 | Under 10 loans | Under 10 loans | 66.7% |
| AmeriSave Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 80.0% |
| Firefighters First Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| FBC MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Texana Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FUNDLOANS CAPITAL | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UNIVERSITY CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GUIDANCE RESIDENTIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LOWER, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Baxter Credit Union | 1 | Under 10 loans | Under 10 loans | 33.3% |
| USAA Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 66.7% |
| State Department Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Amalgamated Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| USALLIANCE FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| LUXURY MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LEADERONE FINANCIAL CORPORATION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| REDWOOD | 1 | Under 10 loans | Under 10 loans | 0.0% |
| COMMUNITYAMERICA CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| The Dart Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EMM LOANS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CLEAREDGE LENDING LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| DIGITAL | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Boeing Employees Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EMET LENDING GROUP, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SUMMIT MORTGAGE BANKERS INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VERITAS FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| NATIONWIDE EQUITIES CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| THE GOLDEN 1 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 984500FAD1FB7FEGTE82 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Watermark Capital, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Funder LLC | 1 | 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 93 lenders each made 1 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.