Mortgage lending in Ventura County
12,642 mortgages were originated in Ventura County, California, in 2025.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 12,642
- Median rate
- 6.625%
- Median lender fees
- $7,387
- Median loan amount
- $475,000
- Median spread over APOR
- 0.302
- Paid discount points
- 27.7%
- Received lender credits
- 27.3%
- Purchases / refinances
- 41.1% / 35.4%
- Conventional / FHA / VA
- 88.1% / 7.2% / 4.7%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 66.1% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $1,035,000
- FHA limit
- $1,035,000
This is a high-cost area: loans above $832,750 are still agency-backed here, as high-balance, where a plain conforming loan would stop. How limits work
Who lent here
Lenders with at least 50 loans in Ventura County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 1,128 | $8,610 | 6.482% |
| Rocket Mortgage, LLC | 1,017 | $5,237 | 6.750% |
| LOGIX FEDERAL CREDIT UNION | 496 | $1,460 | 6.125% |
| Bank of America, National Association | 429 | $7,480 | 5.990% |
| VENTURA COUNTY CREDIT UNION | 395 | $3,862 | 3.990% |
| U.S. Bank National Association | 350 | $3,942 | 7.500% |
| PENNYMAC LOAN SERVICES, LLC | 324 | $8,007 | 6.500% |
| CMG MORTGAGE, INC. | 282 | $8,748 | 6.750% |
| GOLDEN EMPIRE MORTGAGE, INC. | 225 | $8,166 | 6.624% |
| JPMorgan Chase Bank, National Association | 224 | $4,692 | 6.367% |
What lenders charged here
Lender fees on a $475,000 loan, based on what was actually charged in Ventura County — not a rule of thumb.
From 8,358 loans where fees were reported. This is what the lender charges — sections A and B of a Loan Estimate. Title, appraisal, escrow and taxes are extra and are not in these figures. Compare two offers