VENTURA COUNTY CREDIT UNION
VENTURA COUNTY CREDIT UNION received 620 applications in 2025 and made 429 mortgages, in 13 counties across 1 state. The median rate its borrowers got was 3.990% on a median loan of $155,000. Of 506 decisions, 77 were denials — 15.2%, most often for debt-to-income ratio. 1 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 549300AT4QWHFZ83D635 |
|---|---|
| Applications received | 620 |
| Mortgages made | 429 |
| Denied | 77 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 114 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | -3.21 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 38 | 6.063% | $595,000 | 5.0% |
| Refinancing | 9 | Under 10 loans | Under 10 loans | 25.0% |
| Cash-out refinancing | 8 | Under 10 loans | Under 10 loans | 20.0% |
| Other purposes | 374 | 3.990% | $125,000 | 15.8% |
Where VENTURA COUNTY CREDIT UNION lends most
The 13 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Ventura County, CA | 395 | 3.990% | 14.7% |
| Los Angeles County, CA | 16 | 3.990% | 23.8% |
| San Bernardino County, CA | 4 | Under 10 loans | 0.0% |
| Nevada County, CA | 3 | Under 10 loans | 0.0% |
| Kern County, CA | 2 | Under 10 loans | 33.3% |
| Orange County, CA | 2 | Under 10 loans | 33.3% |
| Santa Barbara County, CA | 2 | Under 10 loans | 0.0% |
| Madera County, CA | 1 | Under 10 loans | 0.0% |
| San Diego County, CA | 1 | Under 10 loans | 50.0% |
| Santa Clara County, CA | 1 | Under 10 loans | 0.0% |
| Santa Cruz County, CA | 1 | Under 10 loans | 0.0% |
| Sacramento County, CA | 0 | Under 10 loans | 100.0% |
| Stanislaus County, CA | 0 | Under 10 loans | Not published |
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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.