Applications / Mortgage Analytics / Lenders / California / Ventura County Credit Union
Ventura, CA · Credit union · NCUA · $1.4 billion assets · 429 loans in 2025
Ventura County Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
429
loans originated, 2025
623
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Ventura County Credit Union lends mostly for purposes other than buying or refinancing a home, and is the 19th-largest lender in its home market.
Other purposes account for 87.2% of its 429 loans; purchases make up 8.9% and refinances 4.0%. Every loan in 2025 was conventional. Its typical loan, $155,000, is bigger than at about four in five similar lenders, credit unions making between half and twice as many loans, where it is $105,000.
Its typical rate, 3.99%, is lower than at almost every similar lender, whose typical rate is 6.99%. None of its loans was higher-priced, a rate well above the average for similar loans, against 1.9% at a typical peer. Most of its loans are for purposes other than buying or refinancing, which may be priced differently from first mortgages.
In Oxnard-Thousand Oaks-Ventura it ranks 19th of 422 lenders, with 1.1% of the market, down from 1.2%. Its own loans fell 4% in 2025, which may account for the slip; its lending leans to other purposes rather than the purchases and refinances that make up most mortgage lending. It has lent there since 2001.
Some 20.9% of its loans are in low- and moderate-income tracts and 39.2% in neighborhoods where most residents belong to minority groups, against 15.4% and 10.8% at similar lenders. Both shares are higher than at about four in five of them.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Ventura County Credit Union took 623 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Other 87.2% · Purchase 8.9% · Refinance 4.0%
Conventional 100.0% · of 429 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| California | 428 | 99.8% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Oxnard-Thousand Oaks-Ventura | 395 |
| Los Angeles-Long Beach-Glendale | 16 |
| Riverside-San Bernardino-Ontario | 4 |
| Anaheim-Santa Ana-Irvine | 2 |
| Bakersfield-Delano | 2 |
| Santa Maria-Santa Barbara | 2 |
| Fresno | 1 |
| San Diego-Chula Vista-Carlsbad | 1 |
| San Jose-Sunnyvale-Santa Clara | 1 |
| Santa Cruz-Watsonville | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300AT4QWHFZ83D635 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 987286 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 568458 | 2001–2017 |
Established 1 January 1950. Reported under HMDA 2001-2025.
Mergers, name changes, data editions and corrections: Ventura County Credit Union's data.
Ventura County Credit Union's data
$215
Ventura County Credit Union and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
Buy Ventura County Credit Union's data, $215Jenner Mortgage Analytics: all the data
$2,110
Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
Buy the data, $2,110Jenner, the SAS-compatible software
See prices
Jenner runs programs written in the SAS language. It drew every chart on these pages and fitted the fair-lending model, PROC GLIMMIX on 3.5 million applications. Run the programs that come with the data, or your own.
Get JennerQuestions, or the data and Jenner together: [email protected]