Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Ventura County, California
Every institution that decided a 1–4 unit mortgage application in Ventura County, home to Oxnard, between 2023 and 2025: 37,324 applications, 28,025 loans actually funded, across 8 kinds of borrowing.
Ventura County at a glance
37,324Applications decided
2023–2025
28,025Loans funded
75% of decisions
189Census tracts
28 ZIP codes
838,259People
ACS 2023
What the data shows
The typical purchase mortgage here is $655K.
Investment home improvement is the hardest money to get here: lenders approved 51% of 348 applications.
Lending by loan type in Ventura County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 89.5% | 15,737 | $655K | 95% | 444 |
| Home improvement loans | 63.4% | 6,209 | $105K | 92% | 169 |
| Cash-out refinance | 72.2% | 6,913 | $205K | 94% | 298 |
| Refinance | 78.3% | 5,104 | $605K | 94% | 312 |
| Investment property purchase | 88.2% | 1,635 | $575K | 95% | 239 |
| Investment cash-out refinance | 77.3% | 915 | $405K | 93% | 174 |
| Investment refinance | 77.1% | 463 | $595K | 91% | 132 |
| Investment home improvement | 50.6% | 348 | $135K | 90% | 67 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.