Ladera Lending Mortgage Rates, Fees & Info
Sacramento, CALEI: 5493000H6DFDDJRORG89
Tax ID: 45-2481499
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Mortgage Data
Review & Overview
Ladera Lending is a smaller mortgage company specializing in Refi and Home Purchase loans. Ladera Lending has a high proportion of conventional loans. They have an average proportion of FHA loans. Their top markets by origination volume include: Los Angeles, Riverside, Phoenix, Las Vegas, and Sacramento among others. We have data for 157 markets. (Some data included below & more in-depth data is available with an active subscription.)Ladera Lending has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Ladera Lending is typically a high fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have relatively high rates.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.
Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.
SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 6.78% | 11/17/24 |
| 30 Year Conventional Refi | 6.76% | 11/17/24 |
| 30 Year FHA Purchase | 7.28% | 11/17/24 |
| 30 Year FHA Refi | 7.04% | 11/17/24 |
| 30 Year VA Purchase | 6.17% | 11/17/24 |
| 30 Year VA Refi | 6.16% | 11/17/24 |
| 15 Year Conventional Purchase | 5.81% | 11/17/24 |
| 15 Year Conventional Refi | 6.30% | 11/17/24 |
| 15 Year Cash-out Refi | 6.30% | 11/17/24 |
| 15 Year FHA Refi | 5.68% | 11/17/24 |
| 15 Year VA Refi | 5.68% | 11/17/24 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
Ladera Lending Mortgage Calculator
Your Estimates
Estimated Loan Payment: Update the calculator values and click calculate payment!
This is not an official calculator from Ladera Lending. It uses our SimulatedRate™
technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.
The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
861Origination Dollar Volume (All Markets)
$268,225,000Awards
LADERA LENDING - 2023
LADERA LENDING is a 2023 , due to their low .
For 2023, less than of lenders were eligible for this award.
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Relative Rate
Ladera Lending's average 30 year fixed mortgage rate was
7.33%.
The 2023 average 30 year fixed rate mortgage across all markets and lenders was 6.48%.
This yields a difference of 0.85%.
Relative Fees (Closing Costs)
Ladera Lending's average total fees/closing costs for a 30 year fixed rate
mortgage were $10,708.
The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including
both points & up-front fees in addition to origination fees) were $9,089.
Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 68 | $32,130,000 | $472,500 | $11,439 | 7.45% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 64 | $21,290,000 | $332,656 | $10,983 | 7.12% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 53 | $14,775,000 | $278,774 | $10,409 | 7.76% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 36 | $10,180,000 | $282,778 | $11,877 | 7.62% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 23 | $9,615,000 | $418,043 | $11,957 | 6.80% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 21 | $8,985,000 | $427,857 | $12,253 | 7.77% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 24 | $8,230,000 | $342,917 | $11,148 | 7.61% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 13 | $7,365,000 | $566,538 | $13,003 | 7.45% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 23 | $6,165,000 | $268,043 | $9,934 | 7.34% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 20 | $6,110,000 | $305,500 | $13,081 | 6.83% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 24 | $5,880,000 | $245,000 | $12,261 | 7.81% |
| Outside of Metro Areas | 25 | $5,755,000 | $230,200 | $8,275 | 6.73% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 18 | $5,530,000 | $307,222 | $12,772 | 7.37% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 19 | $4,495,000 | $236,579 | $9,633 | 6.33% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 13 | $4,115,000 | $316,538 | $10,188 | 8.12% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 14 | $3,770,000 | $269,286 | $10,917 | 7.95% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 12 | $3,510,000 | $292,500 | $11,447 | 7.67% |
| TUCSON, AZ (FHA|USDA|VA) | 11 | $3,085,000 | $280,455 | $11,922 | 8.01% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 7 | $2,935,000 | $419,286 | $13,554 | 6.57% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 8 | $2,900,000 | $362,500 | $8,107 | 6.83% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 13 | $2,795,000 | $215,000 | $7,638 | 6.51% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 11 | $2,395,000 | $217,727 | $9,529 | 6.14% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 10 | $2,350,000 | $235,000 | $9,280 | 6.65% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 9 | $2,255,000 | $250,556 | $11,936 | 6.97% |
| STOCKTON, CA (FHA|USDA|VA) | 7 | $2,175,000 | $310,714 | $11,246 | 7.25% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 4 | $2,120,000 | $530,000 | $16,100 | 7.41% |
| ASHEVILLE, NC (FHA|USDA|VA) | 3 | $2,095,000 | $698,333 | $25,972 | 6.83% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 2 | $2,060,000 | $1,030,000 | $6,187 | 6.31% |
| RENO, NV (FHA|USDA|VA) | 8 | $2,030,000 | $253,750 | $6,098 | 7.81% |
| KNOXVILLE, TN (FHA|USDA|VA) | 5 | $1,925,000 | $385,000 | $8,425 | 6.80% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 5 | $1,895,000 | $379,000 | $11,182 | 6.45% |
| FRESNO, CA (FHA|USDA|VA) | 6 | $1,870,000 | $311,667 | $12,531 | 7.17% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 6 | $1,840,000 | $306,667 | $10,375 | 6.44% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 7 | $1,775,000 | $253,571 | $6,434 | 9.52% |
| SALEM, OR (FHA|USDA|VA) | 6 | $1,750,000 | $291,667 | $11,745 | 6.29% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 6 | $1,740,000 | $290,000 | $13,665 | 8.35% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 7 | $1,735,000 | $247,857 | $8,408 | 6.46% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 2 | $1,730,000 | $865,000 | $9,496 | 6.69% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 7 | $1,725,000 | $246,429 | $12,458 | 6.07% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 8 | $1,680,000 | $210,000 | $9,034 | 6.92% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 2 | $1,660,000 | $830,000 | $22,503 | 5.88% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 5 | $1,585,000 | $317,000 | $12,752 | 6.75% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 4 | $1,570,000 | $392,500 | $11,359 | 7.03% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 4 | $1,330,000 | $332,500 | $10,400 | 7.28% |
| VALLEJO, CA (FHA|USDA|VA) | 2 | $1,320,000 | $660,000 | $15,477 | 6.38% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 6 | $1,300,000 | $216,667 | $9,778 | 7.52% |
| Sevierville, TN (FHA|USDA|VA) | 2 | $1,280,000 | $640,000 | $11,471 | 6.81% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 5 | $1,265,000 | $253,000 | $8,591 | 8.08% |
| PROVO-OREM, UT (FHA|USDA|VA) | 4 | $1,260,000 | $315,000 | $12,630 | 6.90% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 4 | $1,210,000 | $302,500 | $10,819 | 6.66% |
| NAPA, CA (FHA|USDA|VA) | 2 | $1,140,000 | $570,000 | $13,939 | 6.38% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 3 | $1,115,000 | $371,667 | $20,721 | 6.29% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 2 | $1,110,000 | $555,000 | $12,252 | 6.81% |
| Montrose, CO (FHA|USDA|VA) | 3 | $1,105,000 | $368,333 | $11,510 | 7.04% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 4 | $1,070,000 | $267,500 | $9,270 | 7.40% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 4 | $1,070,000 | $267,500 | $9,800 | 6.78% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 2 | $1,050,000 | $525,000 | $13,312 | 6.00% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 5 | $1,015,000 | $203,000 | $7,653 | 8.62% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 4 | $930,000 | $232,500 | $9,186 | 6.88% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 5 | $895,000 | $179,000 | $5,945 | 8.98% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 3 | $875,000 | $291,667 | $11,311 | 9.71% |
| WILMINGTON, NC (FHA|USDA|VA) | 2 | $870,000 | $435,000 | $9,684 | 6.00% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 4 | $850,000 | $212,500 | $9,002 | 8.06% |
| BOISE CITY, ID (FHA|USDA|VA) | 4 | $850,000 | $212,500 | $10,903 | 10.25% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 5 | $845,000 | $169,000 | $7,010 | 8.88% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 4 | $840,000 | $210,000 | $7,583 | 9.19% |
| Sonora, CA (FHA|USDA|VA) | 3 | $835,000 | $278,333 | $10,845 | 7.00% |
| BEND, OR (FHA|USDA|VA) | 3 | $825,000 | $275,000 | $11,063 | 8.16% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 3 | $825,000 | $275,000 | $13,436 | 8.42% |
| SEBRING-AVON PARK, FL (FHA|USDA|VA) | 2 | $800,000 | $400,000 | $13,504 | 7.06% |
| MODESTO, CA (FHA|USDA|VA) | 3 | $795,000 | $265,000 | $10,033 | 7.67% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 4 | $780,000 | $195,000 | $9,506 | 7.53% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 4 | $750,000 | $187,500 | $7,823 | 6.50% |
| GREELEY, CO (FHA|USDA|VA) | 3 | $745,000 | $248,333 | $8,770 | 7.75% |
| SPRINGFIELD, MA (FHA|USDA|VA) | 3 | $745,000 | $248,333 | $11,747 | 6.79% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 3 | $735,000 | $245,000 | $11,712 | 7.67% |
| Outside of Metro Areas | 2 | $730,000 | $365,000 | $7,949 | 6.81% |
| CHICO, CA (FHA|USDA|VA) | 3 | $715,000 | $238,333 | $9,228 | 6.75% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 2 | $680,000 | $340,000 | $15,424 | 6.13% |
| Show Low, AZ (FHA|USDA|VA) | 3 | $675,000 | $225,000 | $8,561 | 9.21% |
| LOGAN, UT-ID (FHA|USDA|VA) | 1 | $625,000 | $625,000 | $10,225 | 7.50% |
| COLUMBIA, SC (FHA|USDA|VA) | 2 | $620,000 | $310,000 | $10,789 | 7.38% |
| ST. GEORGE, UT (FHA|USDA|VA) | 1 | $615,000 | $615,000 | $28,100 | 6.13% |
| FORT COLLINS, CO (FHA|USDA|VA) | 2 | $600,000 | $300,000 | $6,579 | 6.50% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 3 | $575,000 | $191,667 | $7,746 | 6.96% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 2 | $560,000 | $280,000 | $11,546 | 7.06% |
| SALINAS, CA (FHA|USDA|VA) | 2 | $550,000 | $275,000 | $6,587 | 6.81% |
| KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $15,785 | 5.81% |
| Rexburg, ID (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $8,743 | 7.50% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $10,761 | 6.69% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $10,262 | 7.94% |
| PUEBLO, CO (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $8,225 | 6.88% |
| Astoria, OR (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $9,527 | 7.88% |
| THE VILLAGES, FL (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $12,410 | 6.50% |
| Aberdeen, WA (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $6,217 | 7.06% |
| BOULDER, CO (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $15,617 | 5.75% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $26,937 | 6.63% |
| Sandpoint, ID (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $17,302 | 6.99% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $10,634 | 5.88% |
| FLORENCE, SC (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $11,218 | 6.75% |
| EAST STROUDSBURG, PA (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $18,930 | 5.63% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $5,083 | 6.88% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $16,478 | 6.63% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $6,654 | 7.63% |
| BELLINGHAM, WA (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $10,236 | 5.63% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $15,565 | 8.00% |
| Crescent City, CA (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $10,615 | 5.63% |
| Cookeville, TN (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $5,750 | 7.63% |
| VISALIA, CA (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $7,797 | 8.56% |
| Vernal, UT (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $10,324 | 8.13% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $7,476 | 8.56% |
| LEWISTON, ID-WA (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $4,774 | 8.56% |
| OCALA, FL (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $9,777 | 5.81% |
| WALLA WALLA, WA (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $13,217 | 5.50% |
| GAINESVILLE, FL (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $3,725 | 7.50% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $18,567 | 6.75% |
| KENNEWICK-RICHLAND, WA (FHA|USDA|VA) | 3 | $265,000 | $88,333 | $5,556 | 11.96% |
| VINELAND-BRIDGETON, NJ (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $14,041 | 7.00% |
| CORVALLIS, OR (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $11,205 | 6.63% |
| Lewisburg, TN (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $10,688 | 6.88% |
| Brookings, OR (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $11,823 | 6.00% |
| REDDING, CA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $6,344 | 6.99% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $5,821 | 11.00% |
| MORRISTOWN, TN (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $7,049 | 6.63% |
| Roanoke Rapids, NC (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $9,887 | 7.25% |
| Boone, NC (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $8,933 | 6.88% |
| Winnemucca, NV (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $12,407 | 6.63% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $5,483 | 7.13% |
| Fernley, NV (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $6,614 | 5.88% |
| Crossville, TN (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $11,283 | 6.13% |
| Centralia, WA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $6,163 | 7.49% |
| Coos Bay, OR (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $12,345 | 6.63% |
| SPARTANBURG, SC (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $5,033 | 7.63% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $9,394 | 7.25% |
| MEDFORD, OR (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,655 | 6.50% |
| Moscow, ID (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $10,583 | 6.13% |
| YUMA, AZ (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $8,592 | 6.63% |
| TYLER, TX (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $11,330 | 6.50% |
| Othello, WA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $11,468 | 5.38% |
| Fallon, NV (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,672 | 6.50% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,571 | 7.00% |
| PITTSFIELD, MA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $8,125 | 9.00% |
| CLEVELAND, TN (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $4,069 | 7.13% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $5,414 | 7.25% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $3,560 | 6.13% |
| Blackfoot, ID (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $7,610 | 11.25% |
| Cullowhee, NC (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,190 | 6.63% |
| Clearlake, CA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $6,446 | 11.13% |
| EL CENTRO, CA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $6,848 | 6.25% |
| Jackson, WY-ID (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $5,832 | 10.50% |
| WENATCHEE, WA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $5,386 | 10.50% |
| GRAND JUNCTION, CO (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $5,241 | 11.13% |
| Edwards, CO (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $4,948 | 10.88% |
| CARSON CITY, NV (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $5,178 | 13.88% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $4,791 | 10.75% |
| SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $4,349 | 11.88% |
| McMinnville, TN (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $3,509 | 5.88% |
Similar Lenders
We use machine learning to identify the top lenders compared against LADERA LENDING based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
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Product Mix
For 2023, Ladera Lending's most frequently originated type of loan was Conventional, with 516 originations. Their 2nd most popular type was FHA, with 226 originations.
Loan Reason
| Loan Reason | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Refi | 759 | $212,395,000 | $279,835 | $10,640 | 7.44% |
| Home Purchase | 102 | $55,830,000 | $547,353 | $11,130 | 6.77% |
For 2023, Ladera Lending's most frequently cited loan purpose was Refi, with 759 originations. The 2nd most popular reason was Home Purchase, with 102 originations.
Loan Duration/Length
For 2023, Ladera Lending's most frequently cited loan duration was 30 Year, with 825 originations. The 2nd most popular length was 15 Year, with 14 originations.
Origination Fees/Closing Costs
Ladera Lending's average total fees were $10,708, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 482 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 388 | $139,300,000 | $359,021 |
| 5-6% | 168 | $56,450,000 | $336,012 |
| Over 8% | 158 | $20,300,000 | $128,481 |
| 7-8% | 145 | $51,545,000 | $355,483 |
| 4-5% | 2 | $630,000 | $315,000 |
During 2023, Ladera Lending's average interest rate for loans was 7.33%, while their most frequently originated rate bucket for loans was 6-7%, with 388 originations.
Loan Sizing
2023 saw Ladera Lending place emphasis on $200k-400k loans with 390 originations, totaling $110,920,000 in origination value.
Applicant Income
Ladera Lending lent most frequently to those with incomes in the $100k-150k range, with 239 originations. The second most popular income band? $75k-100k, with 183 originations.
Applicant Debt to Income Ratio
Ladera Lending lent most frequently to those with DTI ratios of 50-60%, with 140 originations. The next most common DTI ratio? 30-36%, with 111 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications94.99%
Ladera Lending has an average approval rate.
Pick Rate
Approvals leading to origination-138.44%
Ladera Lending has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 861 | $268,225,000 | $311,527 |