Ladera Lending Mortgage Rates, Fees & Info

Sacramento, CA

LEI: 5493000H6DFDDJRORG89

Tax ID: 45-2481499

2.3 stars - Updated: 7/13/25 - out of 5 stars, based on 30 reviews

Latest/2024 | 2023 Data | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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  • SimulatedRates™
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    • Mortgage Data

  • Originations
  • Relative Rates
  • Relative Fees
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Review & Overview

    Ladera Lending is a smaller mortgage company specializing in Refi 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, Las Vegas, Riverside, Phoenix, and New York among others. We have data for 175 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 an average 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 7.18% 7/13/25
    30 Year Conventional Refi 8.40% 7/13/25
    30 Year FHA Purchase 6.97% 7/13/25
    30 Year FHA Refi 7.07% 7/13/25
    30 Year VA Purchase 6.38% 7/13/25
    30 Year VA Refi 6.52% 7/13/25
    15 Year Conventional Purchase 6.00% 7/13/25
    15 Year Conventional Refi 8.86% 7/13/25
    15 Year Cash-out Refi 8.86% 7/13/25
    15 Year FHA Refi 6.78% 7/13/25
    15 Year VA Refi 6.52% 7/13/25
    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

    917

    Origination Dollar Volume (All Markets)

    $282,865,000

    Awards

    LADERA LENDING 30 Year Conventional Loans bronze LADERA LENDING FHA Loans silver LADERA LENDING 30 Year Conventional Loans silver
    Show all (3) awards

    Relative Rate

    Ladera Lending's average 30 year fixed mortgage rate was 7.26%.

    The 2024 average 30 year fixed rate mortgage across all markets and lenders was 6.55%.

    This yields a difference of 0.71%.

    Relative Fees (Closing Costs)

    Ladera Lending's average total fees/closing costs for a 30 year fixed rate mortgage were $8,942.

    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 $8,356.

    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) 75 $38,975,000 $519,667 $8,768 7.14%
    LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 60 $15,780,000 $263,000 $7,550 7.36%
    RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 49 $14,425,000 $294,388 $7,536 7.86%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 47 $12,945,000 $275,426 $8,659 7.36%
    New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 33 $9,325,000 $282,576 $9,205 7.40%
    Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 28 $9,150,000 $326,786 $10,242 7.43%
    SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 17 $8,605,000 $506,176 $10,855 7.02%
    San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 14 $6,470,000 $462,143 $10,176 7.71%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 28 $6,430,000 $229,643 $9,781 7.50%
    Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 21 $6,095,000 $290,238 $10,384 7.31%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 18 $5,270,000 $292,778 $11,082 7.06%
    NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 16 $4,930,000 $308,125 $7,665 6.92%
    SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 18 $4,910,000 $272,778 $6,990 7.51%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 12 $3,760,000 $313,333 $8,710 8.22%
    CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 12 $3,680,000 $306,667 $10,912 6.81%
    CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 9 $3,605,000 $400,556 $5,465 6.65%
    Outside of Metro Areas 15 $3,545,000 $236,333 $10,072 7.07%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 11 $3,405,000 $309,545 $11,005 7.27%
    Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 15 $3,405,000 $227,000 $7,347 7.49%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 11 $3,135,000 $285,000 $7,550 7.91%
    Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 6 $2,960,000 $493,333 $12,649 6.27%
    STOCKTON, CA (FHA|USDA|VA) 10 $2,940,000 $294,000 $10,511 7.23%
    TUCSON, AZ (FHA|USDA|VA) 9 $2,785,000 $309,444 $9,989 6.80%
    RENO, NV (FHA|USDA|VA) 11 $2,685,000 $244,091 $6,088 7.85%
    PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 9 $2,525,000 $280,556 $7,545 8.13%
    RALEIGH-CARY, NC (FHA|USDA|VA) 7 $2,505,000 $357,857 $7,999 6.39%
    HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 6 $2,400,000 $400,000 $6,252 7.67%
    BOISE CITY, ID (FHA|USDA|VA) 8 $2,400,000 $300,000 $12,130 8.22%
    BELLINGHAM, WA (FHA|USDA|VA) 4 $2,290,000 $572,500 $10,183 6.63%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 6 $2,230,000 $371,667 $12,197 6.90%
    WORCESTER, MA-CT (FHA|USDA|VA) 10 $2,150,000 $215,000 $6,622 7.43%
    VISALIA, CA (FHA|USDA|VA) 7 $1,975,000 $282,143 $7,869 7.25%
    CLARKSVILLE, TN-KY (FHA|USDA|VA) 7 $1,875,000 $267,857 $10,299 6.73%
    JACKSONVILLE, FL (FHA|USDA|VA) 7 $1,825,000 $260,714 $9,600 6.68%
    PORT ST. LUCIE, FL (FHA|USDA|VA) 8 $1,770,000 $221,250 $10,677 6.75%
    OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 5 $1,715,000 $343,000 $13,092 6.30%
    MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 9 $1,685,000 $187,222 $7,306 8.43%
    PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 6 $1,590,000 $265,000 $7,645 6.46%
    PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 5 $1,555,000 $311,000 $11,340 6.35%
    MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 9 $1,535,000 $170,556 $6,356 7.72%
    Laramie, WY (FHA|USDA|VA) 2 $1,530,000 $765,000 $4,244 6.81%
    GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 9 $1,505,000 $167,222 $5,637 7.14%
    BEND, OR (FHA|USDA|VA) 4 $1,470,000 $367,500 $4,870 6.65%
    PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 4 $1,330,000 $332,500 $5,421 6.56%
    PUNTA GORDA, FL (FHA|USDA|VA) 4 $1,320,000 $330,000 $8,945 7.22%
    LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 6 $1,320,000 $220,000 $6,955 6.89%
    ASHEVILLE, NC (FHA|USDA|VA) 4 $1,300,000 $325,000 $11,157 7.06%
    SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 5 $1,285,000 $257,000 $9,400 7.32%
    CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) 3 $1,285,000 $428,333 $10,189 7.88%
    BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 3 $1,275,000 $425,000 $11,029 8.38%
    FAYETTEVILLE, NC (FHA|USDA|VA) 6 $1,270,000 $211,667 $7,048 7.77%
    FORT COLLINS, CO (FHA|USDA|VA) 4 $1,260,000 $315,000 $8,738 7.91%
    KNOXVILLE, TN (FHA|USDA|VA) 5 $1,235,000 $247,000 $8,689 6.35%
    BAKERSFIELD, CA (FHA|USDA|VA) 4 $1,210,000 $302,500 $13,287 5.66%
    CHATTANOOGA, TN-GA (FHA|USDA|VA) 4 $1,200,000 $300,000 $9,780 7.41%
    OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 4 $1,150,000 $287,500 $15,347 6.94%
    OCALA, FL (FHA|USDA|VA) 2 $1,120,000 $560,000 $7,377 7.38%
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 4 $1,120,000 $280,000 $12,111 6.53%
    ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 4 $1,090,000 $272,500 $11,374 6.56%
    Breckenridge, CO (FHA|USDA|VA) 1 $1,075,000 $1,075,000 $4,660 7.63%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 3 $1,055,000 $351,667 $6,249 6.50%
    COLORADO SPRINGS, CO (FHA|USDA|VA) 2 $1,050,000 $525,000 $11,488 6.38%
    COLUMBIA, SC (FHA|USDA|VA) 3 $1,045,000 $348,333 $17,165 6.58%
    FRESNO, CA (FHA|USDA|VA) 4 $1,000,000 $250,000 $4,327 7.41%
    MODESTO, CA (FHA|USDA|VA) 3 $975,000 $325,000 $9,007 6.63%
    EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 2 $970,000 $485,000 $13,535 6.25%
    LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 3 $945,000 $315,000 $15,380 5.79%
    OCEAN CITY, NJ (FHA|USDA|VA) 3 $915,000 $305,000 $11,726 7.21%
    SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 2 $890,000 $445,000 $5,278 6.63%
    TRENTON-PRINCETON, NJ (FHA|USDA|VA) 3 $885,000 $295,000 $14,362 6.54%
    ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 3 $785,000 $261,667 $5,382 7.42%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 5 $775,000 $155,000 $6,541 8.63%
    Show Low, AZ (FHA|USDA|VA) 3 $775,000 $258,333 $4,787 6.38%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 1 $775,000 $775,000 $38,001 5.25%
    Seneca, SC (FHA|USDA|VA) 1 $755,000 $755,000 $18,455 6.75%
    Sandpoint, ID (FHA|USDA|VA) 1 $745,000 $745,000 $9,175 7.13%
    SALEM, OR (FHA|USDA|VA) 4 $730,000 $182,500 $8,198 10.16%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 2 $710,000 $355,000 $8,242 6.68%
    MEMPHIS, TN-MS-AR (FHA|USDA|VA) 4 $700,000 $175,000 $8,606 7.91%
    AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 2 $690,000 $345,000 $9,223 6.69%
    SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 1 $685,000 $685,000 $9,504 7.63%
    Durango, CO (FHA|USDA|VA) 1 $675,000 $675,000 $17,180 6.50%
    OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 1 $665,000 $665,000 $18,889 5.38%
    MADERA, CA (FHA|USDA|VA) 3 $625,000 $208,333 $4,880 6.88%
    WINSTON-SALEM, NC (FHA|USDA|VA) 3 $615,000 $205,000 $10,851 6.63%
    NAPA, CA (FHA|USDA|VA) 1 $605,000 $605,000 $18,493 5.25%
    BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 2 $600,000 $300,000 $8,507 8.19%
    AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 2 $590,000 $295,000 $10,069 6.31%
    Shelton, WA (FHA|USDA|VA) 1 $585,000 $585,000 $2,664 5.75%
    TWIN FALLS, ID (FHA|USDA|VA) 2 $580,000 $290,000 $10,152 7.13%
    Tullahoma-Manchester, TN (FHA|USDA|VA) 1 $575,000 $575,000 $5,249 7.50%
    KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 3 $565,000 $188,333 $6,419 7.91%
    GREELEY, CO (FHA|USDA|VA) 1 $565,000 $565,000 $17,918 6.25%
    SPRINGFIELD, MA (FHA|USDA|VA) 3 $555,000 $185,000 $5,673 7.33%
    Cedar City, UT (FHA|USDA|VA) 1 $535,000 $535,000 $10,096 8.25%
    TALLAHASSEE, FL (FHA|USDA|VA) 3 $515,000 $171,667 $7,472 6.42%
    Newport, OR (FHA|USDA|VA) 1 $505,000 $505,000 $23,897 6.13%
    PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 2 $500,000 $250,000 $5,805 7.25%
    VINELAND-BRIDGETON, NJ (FHA|USDA|VA) 2 $480,000 $240,000 $8,750 6.63%
    Clearlake, CA (FHA|USDA|VA) 2 $480,000 $240,000 $7,181 6.94%
    Sebastian-Vero Beach, FL (FHA|USDA|VA) 4 $450,000 $112,500 $3,402 8.09%
    Moscow, ID (FHA|USDA|VA) 1 $445,000 $445,000 $17,975 6.25%
    Lawrenceburg, TN (FHA|USDA|VA) 2 $430,000 $215,000 $8,867 6.69%
    VALLEJO, CA (FHA|USDA|VA) 2 $420,000 $210,000 $9,027 7.75%
    EAST STROUDSBURG, PA (FHA|USDA|VA) 2 $410,000 $205,000 $12,690 6.00%
    SALT LAKE CITY, UT (FHA|USDA|VA) 2 $410,000 $205,000 $7,424 6.44%
    PUEBLO, CO (FHA|USDA|VA) 2 $400,000 $200,000 $13,594 6.63%
    Blackfoot, ID (FHA|USDA|VA) 1 $395,000 $395,000 $10,525 6.25%
    MERCED, CA (FHA|USDA|VA) 2 $370,000 $185,000 $7,564 8.19%
    WALLA WALLA, WA (FHA|USDA|VA) 1 $365,000 $365,000 $18,638 5.75%
    DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 1 $365,000 $365,000 $12,824 6.63%
    Ukiah, CA (FHA|USDA|VA) 1 $355,000 $355,000 $3,978 7.63%
    GRAND JUNCTION, CO (FHA|USDA|VA) 1 $355,000 $355,000 $17,766 6.50%
    THE VILLAGES, FL (FHA|USDA|VA) 1 $355,000 $355,000 $14,644 6.25%
    MORRISTOWN, TN (FHA|USDA|VA) 1 $335,000 $335,000 $21,949 5.75%
    ST. GEORGE, UT (FHA|USDA|VA) 1 $325,000 $325,000 $18,667 6.13%
    Fallon, NV (FHA|USDA|VA) 1 $325,000 $325,000 $4,608 6.25%
    Cookeville, TN (FHA|USDA|VA) 1 $315,000 $315,000 $3,098 6.88%
    REDDING, CA (FHA|USDA|VA) 1 $315,000 $315,000 $14,528 6.13%
    Montrose, CO (FHA|USDA|VA) 1 $315,000 $315,000 $14,644 5.75%
    ROCHESTER, MN (FHA|USDA|VA) 1 $305,000 $305,000 $15,910 6.50%
    Vernal, UT (FHA|USDA|VA) 1 $305,000 $305,000 $3,719 6.99%
    PITTSBURGH, PA (FHA|USDA|VA) 1 $305,000 $305,000 $15,964 6.75%
    FARMINGTON, NM (FHA|USDA|VA) 1 $305,000 $305,000 $16,249 5.75%
    ALBUQUERQUE, NM (FHA|USDA|VA) 1 $295,000 $295,000 $8,953 6.63%
    Eureka-Arcata, CA (FHA|USDA|VA) 1 $285,000 $285,000 $6,205 8.63%
    Elizabeth City, NC (FHA|USDA|VA) 1 $285,000 $285,000 $14,070 6.88%
    Sonora, CA (FHA|USDA|VA) 1 $275,000 $275,000 $13,235 7.13%
    BARNSTABLE TOWN, MA (FHA|USDA|VA) 1 $275,000 $275,000 $8,173 6.88%
    YAKIMA, WA (FHA|USDA|VA) 1 $265,000 $265,000 $11,851 6.63%
    ROCKY MOUNT, NC (FHA|USDA|VA) 1 $265,000 $265,000 $10,449 6.13%
    SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 2 $260,000 $130,000 $4,799 9.88%
    SPARTANBURG, SC (FHA|USDA|VA) 2 $260,000 $130,000 $3,523 8.06%
    FARGO, ND-MN (FHA|USDA|VA) 1 $255,000 $255,000 $6,525 5.75%
    SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 1 $245,000 $245,000 $10,532 7.88%
    Greeneville, TN (FHA|USDA|VA) 1 $245,000 $245,000 $8,493 6.25%
    BURLINGTON, NC (FHA|USDA|VA) 1 $245,000 $245,000 $12,786 6.25%
    GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 1 $235,000 $235,000 $9,320 7.25%
    YORK-HANOVER, PA (FHA|USDA|VA) 1 $235,000 $235,000 $9,615 6.50%
    Brainerd, MN (FHA|USDA|VA) 1 $225,000 $225,000 $7,529 6.75%
    GETTYSBURG, PA (FHA|USDA|VA) 1 $215,000 $215,000 $13,843 5.75%
    Roseburg, OR (FHA|USDA|VA) 1 $205,000 $205,000 $4,664 7.50%
    Brookings, OR (FHA|USDA|VA) 1 $205,000 $205,000 $5,699 6.63%
    FLORENCE, SC (FHA|USDA|VA) 1 $205,000 $205,000 $6,941 7.00%
    PEORIA, IL (FHA|USDA|VA) 1 $195,000 $195,000 $10,864 6.75%
    Centralia, WA (FHA|USDA|VA) 1 $195,000 $195,000 $2,867 6.88%
    SEBRING-AVON PARK, FL (FHA|USDA|VA) 1 $195,000 $195,000 $8,864 6.63%
    ST. LOUIS, MO-IL (FHA|USDA|VA) 1 $195,000 $195,000 $9,334 6.63%
    Clovis, NM (FHA|USDA|VA) 1 $195,000 $195,000 $10,635 5.75%
    Payson, AZ (FHA|USDA|VA) 1 $185,000 $185,000 $13,762 5.75%
    Lewisburg, TN (FHA|USDA|VA) 1 $185,000 $185,000 $6,928 6.50%
    Morehead City, NC (FHA|USDA|VA) 1 $175,000 $175,000 $9,823 6.50%
    Nogales, AZ (FHA|USDA|VA) 1 $175,000 $175,000 $11,536 6.50%
    YUMA, AZ (FHA|USDA|VA) 1 $175,000 $175,000 $11,967 6.25%
    WILMINGTON, NC (FHA|USDA|VA) 1 $165,000 $165,000 $4,862 10.00%
    Dayton, TN (FHA|USDA|VA) 1 $145,000 $145,000 $5,237 6.50%
    Rockingham, NC (FHA|USDA|VA) 1 $135,000 $135,000 $6,685 6.63%
    Truckee-Grass Valley, CA (FHA|USDA|VA) 1 $135,000 $135,000 $4,615 5.99%
    JOHNSON CITY, TN (FHA|USDA|VA) 1 $135,000 $135,000 $9,301 6.75%
    HANFORD-CORCORAN, CA (FHA|USDA|VA) 2 $130,000 $65,000 $4,129 9.63%
    Gaffney, SC (FHA|USDA|VA) 1 $125,000 $125,000 $3,020 6.99%
    Oak Harbor, WA (FHA|USDA|VA) 1 $105,000 $105,000 $4,704 6.63%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 1 $105,000 $105,000 $5,864 9.63%
    Shelbyville, TN (FHA|USDA|VA) 1 $105,000 $105,000 $3,359 10.75%
    SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) 1 $95,000 $95,000 $4,894 6.99%
    Sevierville, TN (FHA|USDA|VA) 1 $85,000 $85,000 $2,999 9.75%
    KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 1 $85,000 $85,000 $3,159 9.88%
    ST. CLOUD, MN (FHA|USDA|VA) 1 $75,000 $75,000 $5,165 10.50%
    SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 1 $75,000 $75,000 $4,668 11.75%
    Hood River, OR (FHA|USDA|VA) 1 $75,000 $75,000 $5,388 10.50%
    Lake City, FL (FHA|USDA|VA) 1 $75,000 $75,000 $4,809 11.75%
    Fernley, NV (FHA|USDA|VA) 1 $65,000 $65,000 $4,110 9.13%
    YUBA CITY, CA (FHA|USDA|VA) 1 $55,000 $55,000 $3,140 9.38%
    MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) 1 $55,000 $55,000 $3,396 8.63%
    Paris, TN (FHA|USDA|VA) 1 $55,000 $55,000 $2,399 10.63%
    Ladera Lending's top markets include Los Angeles, Las Vegas, Riverside, Phoenix, and New York among others.

    Their top states include:
  • California (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Arizona (FHA|USDA|VA)
  • Nevada (FHA|USDA|VA)
  • Washington (FHA|USDA|VA)

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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 568 $148,210,000 $260,933 $6,144 7.94%
    FHA 227 $79,535,000 $350,374 $13,888 6.27%
    VA 122 $55,120,000 $451,803 $12,431 6.18%

    For 2024, Ladera Lending's most frequently originated type of loan was Conventional, with 568 originations. Their 2nd most popular type was FHA, with 227 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 859 $251,065,000 $292,276 $8,899 7.33%
    Home Purchase 58 $31,800,000 $548,276 $8,963 6.75%

    For 2024, Ladera Lending's most frequently cited loan purpose was Refi, with 859 originations. The 2nd most popular reason was Home Purchase, with 58 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 870 $272,490,000 $313,207 $8,942 7.26%
    15 Year 20 $4,490,000 $224,500 $7,858 8.11%
    20 Year 13 $2,305,000 $177,308 $6,088 8.31%
    Other 13 $3,525,000 $271,154 $10,881 6.58%
    10 Year 1 $55,000 $55,000 $4,147 12.25%

    For 2024, Ladera Lending's most frequently cited loan duration was 30 Year, with 870 originations. The 2nd most popular length was 15 Year, with 20 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $5k+ 377 $133,535,000 $354,204
    $1k-2k 198 $82,550,000 $416,919
    $3k-4k 134 $21,390,000 $159,627
    $2k-3k 120 $25,440,000 $212,000
    $4k-5k 79 $17,885,000 $226,392
    $<1k 9 $2,065,000 $229,444

    Ladera Lending's average total fees were $8,942, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 377 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    6-7% 399 $142,315,000 $356,679
    Over 8% 198 $22,180,000 $112,020
    5-6% 161 $65,195,000 $404,938
    7-8% 155 $51,315,000 $331,065
    4-5% 4 $1,860,000 $465,000

    During 2024, Ladera Lending's average interest rate for loans was 7.26%, while their most frequently originated rate bucket for loans was 6-7%, with 399 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 382 $109,930,000 $287,775 $9,865 6.66%
    $100k-200k 176 $25,980,000 $147,614 $6,185 7.83%
    $400k-600k 145 $71,135,000 $490,586 $12,406 6.45%
    $100,000 or less 136 $9,840,000 $72,353 $4,092 9.75%
    $600k-1MM 63 $44,905,000 $712,778 $12,278 6.39%
    $1MM+ 15 $21,075,000 $1,405,000 $11,657 6.72%

    2024 saw Ladera Lending place emphasis on $200k-400k loans with 382 originations, totaling $109,930,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 256 $76,480,000 $298,750 $9,964 7.56%
    $75k-100k 193 $45,985,000 $238,264 $8,666 7.39%
    $50k-75k 163 $33,855,000 $207,699 $8,554 7.00%
    $150k-250k 153 $60,295,000 $394,085 $9,475 7.40%
    $50k or less 82 $23,870,000 $291,098 $6,354 6.53%
    $250k+ 70 $42,380,000 $605,429 $8,260 7.42%

    Ladera Lending lent most frequently to those with incomes in the $100k-150k range, with 256 originations. The second most popular income band? $75k-100k, with 193 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    50-60% 127 $52,995,000 $417,283 $14,796 6.21%
    30-36% 104 $28,260,000 $271,731 $7,878 7.41%
    20-30% 79 $22,185,000 $280,823 $6,522 7.30%
    44% 73 $23,525,000 $322,260 $8,493 7.44%
    49% 64 $18,000,000 $281,250 $8,913 7.78%
    42% 54 $11,090,000 $205,370 $7,652 7.97%
    43% 45 $11,515,000 $255,889 $8,047 7.40%
    39% 44 $14,340,000 $325,909 $6,704 7.98%
    48% 42 $12,010,000 $285,952 $8,296 7.23%
    40% 38 $9,810,000 $258,158 $7,066 8.04%
    41% 36 $9,240,000 $256,667 $8,189 7.73%
    46% 32 $11,570,000 $361,563 $11,374 6.99%
    45% 31 $7,735,000 $249,516 $8,521 6.85%
    36% 30 $7,930,000 $264,333 $6,881 8.01%
    47% 27 $8,665,000 $320,926 $10,693 7.33%
    37% 26 $7,110,000 $273,462 $7,037 7.42%
    <20% 17 $4,525,000 $266,176 $6,053 7.51%
    38% 17 $5,575,000 $327,941 $10,704 7.10%
    >60% 2 $800,000 $400,000 $14,496 6.44%

    Ladera Lending lent most frequently to those with DTI ratios of 50-60%, with 127 originations. The next most common DTI ratio? 30-36%, with 104 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 753 $223,215,000 $296,434 $8,590 7.36%
    Black 77 $24,815,000 $322,273 $11,338 6.94%
    Asian 42 $18,080,000 $430,476 $9,452 6.88%
    Not provided 38 $14,020,000 $368,947 $9,353 7.18%
    American Indian 4 $1,950,000 $487,500 $8,716 6.62%
    Native Hawaiian or Islander 3 $785,000 $261,667 $12,215 7.58%

    Approval Rates

    Total approvals of all applications
    94.58%

    Ladera Lending has an average approval rate.

    Pick Rate

    Approvals leading to origination
    -108.07%

    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 917 $282,865,000 $308,468

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    917 $282,865,000 $308,468

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 140 $26,580,000 $189,857 $5,468 8.04%
    40-60% 146 $48,080,000 $329,315 $8,234 6.60%
    60-80% 265 $104,305,000 $393,604 $11,167 6.59%
    80-100% 189 $84,645,000 $447,857 $12,808 6.33%
    Over 100% 4 $2,110,000 $527,500 $4,675 5.63%
    Under 20% 173 $17,145,000 $99,104 $4,602 9.44%