Lowest closing cost mortgage lenders in Ventura County County, California
In Ventura County, California, homebuyers paid a median of $10,024 in closing costs in 2024 — above the California median of $9,450. The county saw 4,172 purchase mortgages at a median rate of 6.62%. Among lenders with 10+ originations, Shea Mortgage Inc. offered the lowest median costs at $828, which is $7,887 less than the county median.
Homebuyers in Ventura County County who chose Shea Mortgage Inc. paid $9,196 less in closing costs than the county median.
County Median Costs
$10,024
+6.1% vs California ($9,450)
Median Rate
6.620%
+0.0% vs national (6.620%)
Median Origination
$2,735
Purchase Originations
4,172
vs California Median
6.1% above
$574
vs National Median
48.7% above
$3,283
Lender rankings in Ventura County County
67 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $828 | 7.000% | $0 | 43 | −$7,887 | |
| 2 | $5,146 | 6.500% | $0 | 23 | −$3,569 | |
| 3 | $5,247 | 6.562% | $0 | 14 | −$3,468 | |
| 4 | $6,450 | 5.875% | $1,390 | 23 | −$2,265 | |
| 5 | $6,610 | 6.625% | $1,495 | 77 | −$2,105 | |
| 6 | $6,721 | 6.050% | $820 | 11 | −$1,994 | |
| 7 | $6,763 | 6.558% | $1,495 | 10 | −$1,952 | |
| 8 | $6,913 | 4.990% | $1,729 | 12 | −$1,802 | |
| 9 | $7,025 | 6.500% | $1,910 | 72 | −$1,690 | |
| 10 | $7,096 | 6.625% | $1,615 | 26 | −$1,619 | |
| 11 | $7,139 | 6.100% | $815 | 27 | −$1,576 | |
| 12 | $7,256 | 6.500% | $1,295 | 104 | −$1,459 | |
| 13 | $7,276 | 6.625% | $1,883 | 24 | −$1,439 | |
| 14 | $7,366 | 6.562% | $2,316 | 16 | −$1,349 | |
| 15 | $7,506 | 6.875% | $2,674 | 27 | −$1,209 | |
| 16 | $7,597 | 6.125% | $1,465 | 51 | −$1,118 | |
| 17 | $7,603 | 6.875% | $2,595 | 29 | −$1,112 | |
| 18 | $7,704 | 6.875% | $1,640 | 69 | −$1,010 | |
| 19 | $7,749 | 6.750% | $1,755 | 33 | −$966 | |
| 20 | $7,804 | 6.625% | $1,250 | 27 | −$911 | |
| 21 | $7,972 | 6.938% | $4,318 | 12 | −$743 | |
| 22 | $7,979 | 6.990% | $1,640 | 11 | −$736 | |
| 23 | $7,991 | 6.875% | $3,152 | 50 | −$724 | |
| 24 | $8,039 | 6.875% | $1,875 | 72 | −$676 | |
| 25 | $8,078 | 6.375% | $1,190 | 64 | −$637 | |
| 26 | $8,178 | 6.624% | $2,718 | 55 | −$537 | |
| 27 | $8,207 | 6.990% | $3,362 | 11 | −$508 | |
| 28 | $8,411 | 6.875% | $3,660 | 302 | −$304 | |
| 29 | $8,587 | 6.875% | $1,994 | 35 | −$128 | |
| 30 | $8,601 | 6.750% | $1,395 | 33 | −$114 | |
| 31 | $8,623 | 6.875% | $1,937 | 131 | −$92 | |
| 32 | $8,799 | 6.375% | $3,026 | 17 | +$84 | |
| 33 | $8,931 | 6.995% | $4,202 | 26 | +$216 | |
| 34 | $8,944 | 6.839% | $3,495 | 54 | +$229 | |
| 35 | $9,199 | 6.250% | $2,435 | 28 | +$484 | |
| 36 | $9,359 | 6.624% | $4,050 | 45 | +$644 | |
| 37 | $9,938 | 6.970% | $5,138 | 102 | +$1,223 | |
| 38 | $10,001 | 6.625% | $4,476 | 432 | +$1,286 | |
| 39 | $10,143 | 6.750% | $5,300 | 15 | +$1,428 | |
| 40 | $10,279 | 6.625% | $4,931 | 79 | +$1,564 | |
| 41 | $10,349 | 6.990% | $4,392 | 26 | +$1,634 | |
| 42 | $10,560 | 6.750% | $3,026 | 22 | +$1,845 | |
| 43 | $10,751 | 6.625% | $6,295 | 14 | +$2,036 | |
| 44 | $10,922 | 7.499% | $2,734 | 14 | +$2,207 | |
| 45 | $11,055 | 6.625% | $6,784 | 23 | +$2,340 | |
| 46 | $11,140 | 7.125% | $6,187 | 18 | +$2,425 | |
| 47 | $11,379 | 6.625% | $5,440 | 19 | +$2,664 | |
| 48 | $11,880 | 6.625% | $6,210 | 43 | +$3,165 | |
| 49 | $12,061 | 6.750% | $6,736 | 14 | +$3,346 | |
| 50 | $12,379 | 6.933% | $6,961 | 12 | +$3,664 | |
| 51 | $12,857 | 7.125% | $7,182 | 21 | +$4,142 | |
| 52 | $12,886 | 6.875% | $7,494 | 25 | +$4,171 | |
| 53 | $12,987 | 6.750% | $8,648 | 26 | +$4,272 | |
| 54 | $13,106 | 6.625% | $8,222 | 37 | +$4,391 | |
| 55 | $13,207 | 6.875% | $7,417 | 11 | +$4,492 | |
| 56 | $14,837 | 7.375% | $9,262 | 12 | +$6,122 | |
| 57 | $15,060 | 6.500% | $9,360 | 18 | +$6,345 | |
| 58 | $17,849 | 7.625% | $11,515 | 15 | +$9,134 | |
| 59 | $18,681 | 7.125% | $12,370 | 10 | +$9,966 | |
| 60 | $19,515 | 7.188% | $13,496 | 54 | +$10,800 | |
| 61 | $19,556 | 7.062% | $15,401 | 10 | +$10,841 | |
| 62 | $22,485 | 8.625% | $17,482 | 11 | +$13,770 | |
| 63 | $25,047 | 7.500% | $19,007 | 20 | +$16,332 | |
| 64 | $25,856 | 7.500% | $17,493 | 11 | +$17,141 |
Includes lenders with 10+ purchase originations in Ventura County County. Source: HMDA 2024. Sorted by median total loan costs.
View detailed closing cost breakdowns and user reviews for lenders in California → Lender Directory
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HMDA data shows industry-wide medians. Your actual quote may differ. Upload your Closing Disclosure or Loan Estimate to see exactly where your fees stand — and get a ready-to-send negotiation email.
Data source: HMDA Modified Loan Application Register 2024, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.