At a glance
From its website, read 2 Nov 2026Ventura County Community Development Corporation is a loan fund based in Oxnard, California. Its website describes home mortgages. Stated loan amounts run up to $713,000. It says it considers borrowers with low or no credit history. You can start an application online.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Apply online | Page with the application link |
|---|---|
| Website | www.vccdc.org |
| Office (official list) | 2231 Sturgis Road Suite A, Oxnard, CA 93030 |
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Rates and terms they state
Read 2 Nov 2026| Loan | Stated | Text on the lender's site (verbatim) | Page |
|---|---|---|---|
| Loans (general) | Rate stated, not as an APR: see their wording | fifteen (15) year deferred loan with a 2% simple annual interest | source |
| Loans (general) | Term: see their wording | fifteen (15) year deferred loan with a 2% simple annual interest | source |
| Loans (general) | Term: see their wording | offers up to $40,000 in the form of a 30-year deferred loan | source |
| Home mortgages | Term: see their wording | 30 year fixed mortgage | source |
As published on the lender's website on that date, not an offer or a quote. Your rate depends on the lender's review. A missing rate means the pages we read did not state one. For consumer loans we repeat a rate only when the lender states it as an APR (annual percentage rate, which includes fees); otherwise read the lender's own wording and ask for the APR.
Who qualifies, in their words
- Income limit applies
low-income households earning up to 80% of the Area Median Income (AMI)
source - First-time homebuyer program
low-income first-time homebuyers earning up to 80% AMI
source - No or thin credit history considered
Flexible options for those with limited credit history.
source
Only rules the lender's own pages state. Other requirements may apply.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Loan fund |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 17 Sep 2013 |
| RSSD ID | — (none listed) |
| Address | 2231 Sturgis Road Suite A, Oxnard, CA 93030 Directions (Google Maps) |
| Website | www.vccdc.org |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 2 Nov 2026Read from 6 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: medium. The fetched pages are from mywayhome.org (My Way Home), and the lender id name does not appear on them. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Home mortgages | up to $713,000 | Maximum loan amount of $713,000 | source |
Loan sizes
Maximum loan amount of $713,000
sourceoffers up to $40,000 in the form of a 30-year deferred loan for low-income households earning up to 80% of the Area Median Income (AMI).
sourceprogram offers up to $34,500 as a fifteen (15) year deferred loan with a 2% simple annual interest
sourceThis program offers up to $40,000 in the form of a thirty (30) year deferred loan at 2% simple annual interest
source
Range used for the size filter: not stated to $713,000
Service area
Not stated on the pages we read.
Borrower focus
Languages
- No non-English service found on the pages we read.
Online application
Yes — the site links to an application. Apply Now
source
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- Do you lend where I live, or where my business is?
Their website does not say which area they serve. - Is there a minimum loan amount?
Their website gives a maximum ($713,000) but no minimum. - What is the APR, including fees, on your home mortgages?
Their website states a rate, but not as an APR. The APR includes fees, so it is the number to compare. - What documents will you need from me, and how long does a decision usually take?
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$2.1 million in 6 awards from the U.S. Treasury's CDFI Fund, 2004–2022 (CDFI Program, Financial Assistance; CDFI Program, Technical Assistance; CDFI Rapid Response Program).
| Round year | Program | Amount |
|---|---|---|
| 2022 | CDFI Program, Financial Assistance | $560,000 |
| 2021 | CDFI Program, Financial Assistance | $500,000 |
| 2021 | CDFI Rapid Response Program | $330,000 |
| 2020 | CDFI Program, Financial Assistance | $557,000 |
| 2006 | CDFI Program, Financial Assistance | $63,682 |
| 2004 | CDFI Program, Technical Assistance | $50,000 |
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Size of the fund (IRS Form 990)
Fiscal year ending Dec 2023| Total assets | $13.5M |
|---|---|
| Total liabilities | $1.1M |
| Net assets | $12.4M |
| Total revenue | $2.3M |
| Notes and loans receivable, net (Part X line 7) | $8.1M |
End-of-year figures from the Form 990 this organisation filed with the IRS for the fiscal year ending December 2023 (tax year 2023; EIN 74-3061811, filed as “VENTURA COUNTY COMMUNITY DEVELOPMENT CORPORATION”), taken from the IRS Annual Extract of Tax-Exempt Organization Financial Data (returns processed in 2024). Figures are self-reported to the IRS, not audited by us, and lag one to two years behind today. The lender’s own annual report may show newer numbers. This organisation’s filings on ProPublica Nonprofit Explorer
Filings over time
| Fiscal year ending | Total assets | Net assets | Revenue | Notes and loans receivable |
|---|---|---|---|---|
| Dec 2021 (990) | $11M | $9.9M | $2.5M | $6.4M |
| Dec 2022 (990) | $12.5M | $11.4M | $2.8M | $7M |
| Dec 2023 (990) | $13.5M | $12.4M | $2.3M | $8.1M |
Total assets grew 22% from Dec 2021 to Dec 2023; notes and loans receivable rose 26%. One row per fiscal year in the IRS extracts of returns processed in 2022, 2023, 2024; “—” = the line was empty or zero on that return (a fund can book its loans on other lines).
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Largest loan its website states | $713,000 | Other loan funds whose website states a maximum: median $250,000. Higher than the stated maximum of 70% of these 184. |
| Total assets, latest IRS Form 990 | $13.5M | Larger than 36% of the 47 other certified loan funds and venture funds in California with a matched Form 990 (median $18.6M). |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Largest stated loan | other loan funds stating a maximum, nationwide | 184 | higher than 70% |
| Form 990 total assets | certified loan and venture funds with a Form 990, in California | 47 | larger than 36% |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology. Form 990 figures: IRS annual extracts (see the Form 990 section).
Other certified CDFIs in Oxnard and California
- OceanAir Federal Credit UnionCredit union · Oxnard, CAAuto / vehicle loans, Home repair / improvement loans, Personal / consumer loansVerified
- AccessityLoan fund · San Diego, CASmall-business loansVerified
- Accion Opportunity Fund Community DevelopmentLoan fund · San Jose, CAEquipment loans, SBA-backed loans (7(a)/504/Community Advantage), Small-business loansVerified
- AltaOne Federal Credit UnionCredit union · Ridgecrest, CAAuto / vehicle loans, Commercial real estate loans, Credit-builder loans, Equipment loans…Verified
- Altura Credit UnionCredit union · Riverside, CAAuto / vehicle loans, Home mortgages, Personal / consumer loansVerified
- American Nonprofits, Inc.Loan fund · Santa Cruz, CAVerified
Work at Ventura County Community Development Corporation? Link to this page
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