Ladera Lending Mortgage Rates, Fees & Info

Sacramento, CA

LEI: 5493000H6DFDDJRORG89

Tax ID: 45-2481499

5 stars - out of 5 stars, based on 83 reviews

2021 Data | 2020 Data | 2019 Data | 2018 Data


Overview

Ladera Lending is a small mortgage company specializing in Refi loans. Ladera Lending has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) Their top markets include Los Angeles, Riverside, San Francisco, Seattle, and Phoenix among others. Ladera Lending has an above average approval rate for mortages when compared nationally. They have a below average pick rate when compared to the same sample of other lendors. Ladera Lending is typically an average fee lendor.


Originations

6,838

Origination Dollar Volume (All Markets)

$2,501,250,000
Show all (32) awards

Relative Rate

Ladera Lending 's average 30 year fixed rate mortgage of loans were 3.03%.

The 2021 average 30 year fixed rate mortgage across all markets of loans were 3.15%.

This yields a difference of -0.12%.

Relative Fees

Ladera Lending 's average total fees for a 30 year fixed rate mortgage are $4,441.

The average total origination fees for 30 year fixed rate mortgages (for all loan values, including both points & up-front fees in addition to origination fees) are $4,750.

Top Markets

Market Originations Total Value Average Loan Average Fees Average Rate
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 1,078 $477,110,000 $442,588 $4,497 2.94%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 575 $203,305,000 $353,574 $4,229 2.98%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 343 $158,425,000 $461,880 $4,187 2.90%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 269 $104,875,000 $389,870 $4,438 2.87%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 313 $100,835,000 $322,157 $3,837 2.99%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 281 $89,485,000 $318,452 $4,255 2.95%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 206 $86,910,000 $421,893 $4,273 2.88%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 212 $79,770,000 $376,274 $4,133 2.90%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 201 $70,725,000 $351,866 $4,806 2.96%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 195 $70,035,000 $359,154 $3,455 2.89%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 141 $53,065,000 $376,348 $4,358 2.96%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 103 $48,565,000 $471,505 $4,834 2.79%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 126 $43,440,000 $344,762 $4,556 2.90%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 98 $41,860,000 $427,143 $4,048 2.95%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 125 $39,895,000 $319,160 $4,523 2.97%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 98 $33,120,000 $337,959 $3,513 2.93%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 103 $29,865,000 $289,951 $5,494 2.99%
RALEIGH-CARY, NC (FHA|USDA|VA) 86 $29,020,000 $337,442 $3,729 2.83%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 74 $26,080,000 $352,432 $4,333 2.92%
STOCKTON, CA (FHA|USDA|VA) 72 $26,050,000 $361,806 $3,704 3.01%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 61 $22,115,000 $362,541 $4,609 2.93%
SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 51 $21,885,000 $429,118 $5,302 3.05%
RENO, NV (FHA|USDA|VA) 59 $21,085,000 $357,373 $4,139 2.89%
Outside of Metro Areas 64 $20,680,000 $323,125 $4,372 3.00%
NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) 55 $20,675,000 $375,909 $5,332 3.16%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 63 $20,605,000 $327,063 $4,607 3.11%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 70 $19,950,000 $285,000 $5,279 2.98%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 59 $19,175,000 $325,000 $6,006 2.98%
VALLEJO, CA (FHA|USDA|VA) 50 $18,280,000 $365,600 $3,739 2.95%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 60 $18,010,000 $300,167 $4,449 3.05%
FRESNO, CA (FHA|USDA|VA) 56 $17,510,000 $312,679 $4,360 2.87%
MODESTO, CA (FHA|USDA|VA) 50 $15,350,000 $307,000 $4,213 3.07%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 38 $15,160,000 $398,947 $3,603 2.91%
SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 35 $14,625,000 $417,857 $3,538 2.91%
SALINAS, CA (FHA|USDA|VA) 30 $12,780,000 $426,000 $4,116 2.98%
BAKERSFIELD, CA (FHA|USDA|VA) 42 $11,450,000 $272,619 $4,238 3.05%
COLORADO SPRINGS, CO (FHA|USDA|VA) 33 $11,265,000 $341,364 $6,155 2.92%
TUCSON, AZ (FHA|USDA|VA) 37 $10,815,000 $292,297 $3,347 3.02%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 33 $10,655,000 $322,879 $4,579 2.96%
WORCESTER, MA-CT (FHA|USDA|VA) 34 $10,450,000 $307,353 $4,351 3.08%
SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 26 $10,410,000 $400,385 $3,091 2.94%
JACKSONVILLE, FL (FHA|USDA|VA) 36 $10,290,000 $285,833 $4,248 3.04%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 30 $10,100,000 $336,667 $4,136 3.04%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 28 $9,490,000 $338,929 $5,905 2.83%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 27 $8,405,000 $311,296 $4,776 3.09%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 29 $8,125,000 $280,172 $4,915 2.95%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 20 $7,630,000 $381,500 $4,766 2.96%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 25 $7,085,000 $283,400 $3,702 3.02%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 21 $6,875,000 $327,381 $5,149 2.87%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 23 $6,395,000 $278,043 $4,077 2.88%
EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 21 $6,335,000 $301,667 $5,017 2.98%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 20 $6,330,000 $316,500 $4,045 2.81%
MERCED, CA (FHA|USDA|VA) 19 $6,235,000 $328,158 $3,492 3.03%
BOULDER, CO (FHA|USDA|VA) 14 $5,920,000 $422,857 $4,462 2.79%
KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 17 $5,895,000 $346,765 $4,243 2.88%
BARNSTABLE TOWN, MA (FHA|USDA|VA) 16 $5,710,000 $356,875 $5,003 2.75%
ASHEVILLE, NC (FHA|USDA|VA) 17 $5,525,000 $325,000 $3,841 2.93%
CHICO, CA (FHA|USDA|VA) 17 $5,255,000 $309,118 $4,098 2.96%
PORT ST. LUCIE, FL (FHA|USDA|VA) 19 $5,195,000 $273,421 $5,493 2.97%
GREELEY, CO (FHA|USDA|VA) 16 $4,740,000 $296,250 $4,196 3.15%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 20 $4,680,000 $234,000 $3,308 3.01%
BELLINGHAM, WA (FHA|USDA|VA) 11 $4,415,000 $401,364 $4,166 2.82%
BEND, OR (FHA|USDA|VA) 12 $4,360,000 $363,333 $5,051 2.94%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 14 $4,150,000 $296,429 $4,313 2.92%
MEDFORD, OR (FHA|USDA|VA) 13 $4,035,000 $310,385 $4,684 2.79%
Truckee-Grass Valley, CA (FHA|USDA|VA) 11 $4,025,000 $365,909 $4,441 2.69%
FORT COLLINS, CO (FHA|USDA|VA) 11 $3,805,000 $345,909 $3,305 3.08%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 12 $3,650,000 $304,167 $6,218 3.17%
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 11 $3,625,000 $329,545 $3,235 2.91%
SPRINGFIELD, MA (FHA|USDA|VA) 14 $3,500,000 $250,000 $3,348 2.96%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 12 $3,480,000 $290,000 $5,566 3.13%
Fernley, NV (FHA|USDA|VA) 10 $3,420,000 $342,000 $5,882 3.04%
VISALIA, CA (FHA|USDA|VA) 12 $3,340,000 $278,333 $4,865 2.97%
NAPA, CA (FHA|USDA|VA) 8 $3,310,000 $413,750 $4,181 2.83%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 11 $3,295,000 $299,545 $6,226 2.95%
Gardnerville Ranchos, NV (FHA|USDA|VA) 8 $3,260,000 $407,500 $4,306 2.89%
Oak Harbor, WA (FHA|USDA|VA) 9 $3,225,000 $358,333 $4,374 2.94%
YUBA CITY, CA (FHA|USDA|VA) 9 $3,015,000 $335,000 $4,864 2.75%
LONGVIEW, WA (FHA|USDA|VA) 8 $2,790,000 $348,750 $5,378 2.89%
Sebastian-Vero Beach, FL (FHA|USDA|VA) 8 $2,780,000 $347,500 $4,256 2.73%
FLAGSTAFF, AZ (FHA|USDA|VA) 7 $2,765,000 $395,000 $4,758 2.79%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 10 $2,610,000 $261,000 $4,755 2.80%
MADERA, CA (FHA|USDA|VA) 10 $2,580,000 $258,000 $3,874 3.09%
KNOXVILLE, TN (FHA|USDA|VA) 10 $2,540,000 $254,000 $4,465 3.25%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 10 $2,470,000 $247,000 $4,206 2.80%
SALEM, OR (FHA|USDA|VA) 9 $2,465,000 $273,889 $4,842 2.72%
Kill Devil Hills, NC (FHA|USDA|VA) 9 $2,455,000 $272,778 $3,651 3.18%
TALLAHASSEE, FL (FHA|USDA|VA) 8 $2,360,000 $295,000 $4,932 2.80%
BOISE CITY, ID (FHA|USDA|VA) 6 $2,260,000 $376,667 $4,884 3.08%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 7 $2,215,000 $316,429 $4,406 3.00%
TRENTON-PRINCETON, NJ (FHA|USDA|VA) 7 $2,205,000 $315,000 $6,452 2.86%
Pahrump, NV (FHA|USDA|VA) 8 $2,200,000 $275,000 $4,425 3.38%
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 6 $2,200,000 $366,667 $4,643 2.98%
YAKIMA, WA (FHA|USDA|VA) 7 $2,185,000 $312,143 $3,312 2.59%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 9 $2,175,000 $241,667 $4,207 3.11%
GAINESVILLE, FL (FHA|USDA|VA) 6 $2,160,000 $360,000 $4,739 3.00%
WACO, TX (FHA|USDA|VA) 8 $2,130,000 $266,250 $5,353 2.69%
Ukiah, CA (FHA|USDA|VA) 6 $2,130,000 $355,000 $3,301 3.06%
Payson, AZ (FHA|USDA|VA) 6 $2,010,000 $335,000 $6,672 2.71%
REDDING, CA (FHA|USDA|VA) 8 $1,950,000 $243,750 $4,244 2.84%
WILMINGTON, NC (FHA|USDA|VA) 7 $1,885,000 $269,286 $3,931 2.84%
FAYETTEVILLE, NC (FHA|USDA|VA) 6 $1,870,000 $311,667 $7,177 2.73%
ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 7 $1,855,000 $265,000 $3,275 2.96%
Port Angeles, WA (FHA|USDA|VA) 5 $1,835,000 $367,000 $2,982 2.88%
OCEAN CITY, NJ (FHA|USDA|VA) 6 $1,830,000 $305,000 $5,373 2.60%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 5 $1,805,000 $361,000 $3,902 3.08%
HANFORD-CORCORAN, CA (FHA|USDA|VA) 7 $1,795,000 $256,429 $5,228 2.98%
Shelton, WA (FHA|USDA|VA) 6 $1,770,000 $295,000 $6,588 2.60%
Clearlake, CA (FHA|USDA|VA) 5 $1,695,000 $339,000 $4,831 2.78%
WINSTON-SALEM, NC (FHA|USDA|VA) 8 $1,670,000 $208,750 $3,971 2.94%
Moses Lake, WA (FHA|USDA|VA) 6 $1,660,000 $276,667 $4,772 2.79%
OCALA, FL (FHA|USDA|VA) 6 $1,660,000 $276,667 $4,162 3.38%
Boone, NC (FHA|USDA|VA) 5 $1,655,000 $331,000 $2,287 2.83%
CARSON CITY, NV (FHA|USDA|VA) 7 $1,605,000 $229,286 $4,337 3.00%
Pinehurst-Southern Pines, NC (FHA|USDA|VA) 4 $1,440,000 $360,000 $5,704 2.91%
CORPUS CHRISTI, TX (FHA|USDA|VA) 5 $1,375,000 $275,000 $5,376 2.93%
Morehead City, NC (FHA|USDA|VA) 5 $1,375,000 $275,000 $3,405 2.78%
Elko, NV (FHA|USDA|VA) 5 $1,365,000 $273,000 $4,045 2.75%
Eureka-Arcata, CA (FHA|USDA|VA) 5 $1,345,000 $269,000 $3,272 2.93%
Sonora, CA (FHA|USDA|VA) 6 $1,340,000 $223,333 $3,165 3.04%
Aberdeen, WA (FHA|USDA|VA) 4 $1,330,000 $332,500 $3,266 3.00%
CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) 5 $1,325,000 $265,000 $2,694 3.03%
Prineville, OR (FHA|USDA|VA) 5 $1,315,000 $263,000 $3,584 3.13%
PITTSFIELD, MA (FHA|USDA|VA) 4 $1,310,000 $327,500 $5,943 3.09%
PANAMA CITY, FL (FHA|USDA|VA) 5 $1,255,000 $251,000 $3,343 2.88%
TYLER, TX (FHA|USDA|VA) 5 $1,255,000 $251,000 $6,388 2.55%
YUMA, AZ (FHA|USDA|VA) 5 $1,235,000 $247,000 $3,515 3.00%
Roseburg, OR (FHA|USDA|VA) 4 $1,230,000 $307,500 $5,966 3.03%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 5 $1,225,000 $245,000 $3,355 2.88%
EL CENTRO, CA (FHA|USDA|VA) 4 $1,200,000 $300,000 $5,437 2.63%
ALBUQUERQUE, NM (FHA|USDA|VA) 5 $1,135,000 $227,000 $6,246 2.98%
SALISBURY, MD-DE (FHA|USDA|VA) 4 $1,130,000 $282,500 $2,754 3.22%
MORRISTOWN, TN (FHA|USDA|VA) 4 $1,110,000 $277,500 $7,420 3.28%
Outside of Metro Areas 4 $1,080,000 $270,000 $4,398 3.13%
AMARILLO, TX (FHA|USDA|VA) 4 $1,070,000 $267,500 $4,966 2.97%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 3 $1,065,000 $355,000 $2,820 3.21%
Albemarle, NC (FHA|USDA|VA) 4 $1,010,000 $252,500 $4,097 3.00%
THE VILLAGES, FL (FHA|USDA|VA) 4 $1,000,000 $250,000 $3,442 2.88%
WENATCHEE, WA (FHA|USDA|VA) 3 $985,000 $328,333 $6,499 3.04%
COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 3 $985,000 $328,333 $5,256 2.75%
Glenwood Springs, CO (FHA|USDA|VA) 2 $980,000 $490,000 $5,705 3.06%
GRAND JUNCTION, CO (FHA|USDA|VA) 4 $970,000 $242,500 $5,085 2.75%
Ellensburg, WA (FHA|USDA|VA) 3 $885,000 $295,000 $2,427 3.04%
Edwards, CO (FHA|USDA|VA) 2 $860,000 $430,000 $5,639 2.81%
PUNTA GORDA, FL (FHA|USDA|VA) 3 $855,000 $285,000 $4,141 2.88%
Shelbyville, TN (FHA|USDA|VA) 2 $850,000 $425,000 $3,005 2.88%
Coos Bay, OR (FHA|USDA|VA) 3 $835,000 $278,333 $4,120 2.92%
WALLA WALLA, WA (FHA|USDA|VA) 2 $830,000 $415,000 $4,659 2.31%
JACKSON, TN (FHA|USDA|VA) 3 $815,000 $271,667 $3,656 3.00%
HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 3 $795,000 $265,000 $2,105 3.04%
MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) 2 $770,000 $385,000 $5,927 3.31%
Astoria, OR (FHA|USDA|VA) 3 $765,000 $255,000 $6,325 3.08%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 3 $755,000 $251,667 $7,094 3.08%
LAREDO, TX (FHA|USDA|VA) 3 $755,000 $251,667 $4,455 3.17%
ROCKY MOUNT, NC (FHA|USDA|VA) 3 $745,000 $248,333 $4,477 2.63%
Cullowhee, NC (FHA|USDA|VA) 2 $740,000 $370,000 $5,317 3.25%
Cookeville, TN (FHA|USDA|VA) 2 $740,000 $370,000 $2,869 3.13%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 2 $700,000 $350,000 $3,235 2.94%
CORVALLIS, OR (FHA|USDA|VA) 2 $700,000 $350,000 $3,337 2.81%
Breckenridge, CO (FHA|USDA|VA) 2 $680,000 $340,000 $3,692 3.00%
Durango, CO (FHA|USDA|VA) 2 $670,000 $335,000 $3,052 2.75%
SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) 2 $620,000 $310,000 $2,249 3.50%
JOHNSON CITY, TN (FHA|USDA|VA) 2 $610,000 $305,000 $6,167 2.94%
Easton, MD (FHA|USDA|VA) 2 $600,000 $300,000 $5,203 2.44%
Susanville, CA (FHA|USDA|VA) 2 $590,000 $295,000 $4,518 2.31%
BURLINGTON, NC (FHA|USDA|VA) 2 $560,000 $280,000 $3,247 3.06%
SANTA FE, NM (FHA|USDA|VA) 1 $545,000 $545,000 $5,526 2.63%
Granbury, TX (FHA|USDA|VA) 1 $545,000 $545,000 $6,013 2.88%
Klamath Falls, OR (FHA|USDA|VA) 2 $540,000 $270,000 $4,674 2.25%
KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 2 $530,000 $265,000 $2,789 3.38%
Brevard, NC (FHA|USDA|VA) 2 $530,000 $265,000 $4,608 3.13%
Ontario, OR-ID (FHA|USDA|VA) 1 $525,000 $525,000 $9,942 3.50%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 2 $520,000 $260,000 $5,107 2.88%
LUBBOCK, TX (FHA|USDA|VA) 2 $520,000 $260,000 $4,020 3.13%
MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 2 $510,000 $255,000 $4,065 2.88%
HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 2 $500,000 $250,000 $3,364 3.13%
Sevierville, TN (FHA|USDA|VA) 2 $500,000 $250,000 $3,487 3.19%
Fallon, NV (FHA|USDA|VA) 2 $490,000 $245,000 $4,132 2.94%
North Wilkesboro, NC (FHA|USDA|VA) 2 $480,000 $240,000 $3,765 2.75%
EL PASO, TX (FHA|USDA|VA) 2 $460,000 $230,000 $4,594 2.44%
FLORENCE, SC (FHA|USDA|VA) 1 $455,000 $455,000 $7,647 2.63%
Newport, OR (FHA|USDA|VA) 1 $445,000 $445,000 $4,469 2.75%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 2 $440,000 $220,000 $3,996 2.63%
CaƱon City, CO (FHA|USDA|VA) 1 $395,000 $395,000 $2,659 2.88%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 2 $390,000 $195,000 $2,570 3.56%
Red Bluff, CA (FHA|USDA|VA) 2 $390,000 $195,000 $2,947 2.94%
Greeneville, TN (FHA|USDA|VA) 1 $385,000 $385,000 $9,784 2.63%
Mount Airy, NC (FHA|USDA|VA) 1 $375,000 $375,000 $5,433 2.88%
JACKSONVILLE, NC (FHA|USDA|VA) 1 $355,000 $355,000 $3,482 2.88%
Montrose, CO (FHA|USDA|VA) 1 $345,000 $345,000 $2,734 2.75%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 1 $345,000 $345,000 $3,145 3.25%
Rexburg, ID (FHA|USDA|VA) 1 $345,000 $345,000 $4,690 3.25%
Zapata, TX (FHA|USDA|VA) 1 $335,000 $335,000 $4,718 3.13%
Henderson, NC (FHA|USDA|VA) 1 $335,000 $335,000 $1,524 2.63%
Athens, TN (FHA|USDA|VA) 1 $325,000 $325,000 $3,849 2.88%
Key West, FL (FHA|USDA|VA) 1 $325,000 $325,000 $4,390 2.25%
Rockingham, NC (FHA|USDA|VA) 1 $325,000 $325,000 $6,537 2.50%
Vineyard Haven, MA (FHA|USDA|VA) 1 $315,000 $315,000 $3,270 2.75%
Nogales, AZ (FHA|USDA|VA) 1 $315,000 $315,000 $3,189 3.25%
IDAHO FALLS, ID (FHA|USDA|VA) 1 $305,000 $305,000 $4,718 3.13%
ABILENE, TX (FHA|USDA|VA) 1 $295,000 $295,000 $4,375 3.00%
Tullahoma-Manchester, TN (FHA|USDA|VA) 1 $285,000 $285,000 $7,964 4.00%
Jacksonville, TX (FHA|USDA|VA) 1 $285,000 $285,000 $6,700 3.25%
Nacogdoches, TX (FHA|USDA|VA) 1 $285,000 $285,000 $3,207 3.25%
Hermiston-Pendleton, OR (FHA|USDA|VA) 1 $275,000 $275,000 $5,389 2.63%
BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) 1 $265,000 $265,000 $6,624 3.50%
Pullman, WA (FHA|USDA|VA) 1 $265,000 $265,000 $2,338 2.88%
Centralia, WA (FHA|USDA|VA) 1 $255,000 $255,000 $1,287 2.13%
Laurinburg, NC (FHA|USDA|VA) 1 $245,000 $245,000 $5,360 3.25%
Washington, NC (FHA|USDA|VA) 1 $245,000 $245,000 $5,443 2.63%
GOLDSBORO, NC (FHA|USDA|VA) 1 $245,000 $245,000 $6,317 2.75%
Brookings, OR (FHA|USDA|VA) 1 $245,000 $245,000 $7,757 1.75%
NEW BERN, NC (FHA|USDA|VA) 1 $235,000 $235,000 $3,478 3.00%
CLEVELAND, TN (FHA|USDA|VA) 1 $225,000 $225,000 $4,583 4.13%
ODESSA, TX (FHA|USDA|VA) 1 $225,000 $225,000 $7,621 2.88%
ALBANY-LEBANON, OR (FHA|USDA|VA) 1 $225,000 $225,000 $2,895 3.25%
GRANTS PASS, OR (FHA|USDA|VA) 1 $215,000 $215,000 $2,836 3.25%
CUMBERLAND, MD-WV (FHA|USDA|VA) 1 $205,000 $205,000 $3,529 3.50%
Crescent City, CA (FHA|USDA|VA) 1 $205,000 $205,000 $4,929 2.75%
La Grande, OR (FHA|USDA|VA) 1 $205,000 $205,000 $4,571 3.38%
Safford, AZ (FHA|USDA|VA) 1 $195,000 $195,000 $2,164 3.50%
PUEBLO, CO (FHA|USDA|VA) 1 $185,000 $185,000 $2,759 3.25%
Elizabeth City, NC (FHA|USDA|VA) 1 $185,000 $185,000 $3,419 3.25%
SAN ANGELO, TX (FHA|USDA|VA) 1 $175,000 $175,000 $4,049 2.88%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 1 $145,000 $145,000 $2,570 3.13%
Huntsville, TX (FHA|USDA|VA) 1 $115,000 $115,000 $5,809 2.63%

Ladera Lending 's top markets include Los Angeles, Riverside, San Francisco, Seattle, and Phoenix among others.

Product Mix

Loan Type Originations Total Value Average Loan Average Fees Average Rate
Conventional 6,363 $2,323,305,000 $365,127 $4,057 2.96%
VA 296 $115,090,000 $388,818 $7,515 2.59%
FHA 179 $62,855,000 $351,145 $9,968 2.93%

For the 2021 period, Ladera Lending 's most frequently originated loan type of loans were Conventional, with 6,363 originations. Their 2nd most popular type is VA, with 296 originations.

Loan Reason

Loan Reason Originations Total Value Average Loan Average Fees Average Rate
Refi 6,547 $2,369,935,000 $361,988 $4,247 2.94%
Home Purchase 291 $131,315,000 $451,254 $6,948 3.13%

For the 2021, Ladera Lending 's most frequently cited loan purpose of loans were Refi, with 6,547 originations. The 2nd most popular reason of loans were Home Purchase, with 291 originations.

Loan Duration/Length

Loan Length Originations Total Value Average Loan Average Fees Average Rate
30 Year 5,649 $2,115,425,000 $374,478 $4,441 3.03%
15 Year 806 $259,620,000 $322,109 $4,030 2.46%
20 Year 231 $77,665,000 $336,212 $4,017 2.78%
Other 97 $32,755,000 $337,680 $3,516 2.88%
10 Year 55 $15,785,000 $287,000 $4,018 2.33%

For the 2021, Ladera Lending 's most frequently cited loan length of loans were 30 Year, with 5,649 originations. The 2nd most popular length of loans were 15 Year, with 806 originations.

Origination Fees

Origination Fee Originations Total Value Average Loan
$1k-2k 4,056 $1,479,990,000 $364,889
$3k-4k 888 $306,770,000 $345,462
$2k-3k 835 $273,465,000 $327,503
$5k+ 831 $348,205,000 $419,019
$<1k 227 $92,565,000 $407,775

$4,441 of loans were Ladera Lending 's average total fees, while their most frequently occuring range of origination fees were in the $1k-2k bucket, with 4,056 originations.

Interest Rates

Loan Rate Originations Total Value Average Loan
2.5-3% 3,434 $1,279,470,000 $372,589
3-4% 2,319 $840,745,000 $362,546
<2.5% 1,017 $357,835,000 $351,853
4-5% 68 $23,200,000 $341,176

During 2021, Ladera Lending 's average interest rate of loans were 3.03%, while their most frequently originated rate bucket of loans were 2.5-3%, with 3,434 originations.

Loan Sizing

Loan Size Originations Total Value Average Loan Average Fees Average Rate
$200k-400k 4,007 $1,222,335,000 $305,050 $4,122 2.93%
$400k-600k 2,015 $966,825,000 $479,814 $4,442 2.92%
$100k-200k 488 $79,500,000 $162,910 $3,666 3.05%
$600k-1MM 301 $213,405,000 $708,987 $7,911 3.14%
$100,000 or less 14 $1,230,000 $87,857 $3,442 3.12%
$1MM+ 13 $17,955,000 $1,381,154 $10,704 3.22%

2021 saw Ladera Lending place emphasis on $200k-400k loans with 4,007 originations, totaling $1,222,335,000 in origination value.

Applicant Income

Applicant Income Originations Total Value Average Loan Average Fees Average Rate
$100k-150k 2,116 $801,990,000 $379,012 $4,314 2.95%
$150k-250k 1,448 $614,500,000 $424,378 $4,416 2.90%
$75k-100k 1,369 $468,465,000 $342,195 $4,302 2.96%
$50k-75k 1,061 $305,505,000 $287,941 $4,335 2.98%
$250k+ 414 $202,580,000 $489,324 $4,975 2.95%
$50k or less 365 $83,025,000 $227,466 $4,116 3.00%

Ladera Lending lent most frequently to those with incomes in the $100k-150k range, with 2,116 originations. The second most popular income band? $150k-250k, with 1,448 originations.

Applicant Debt to Income Ratio

DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
20-30% 1,396 $505,000,000 $361,748 $3,986 2.89%
30-36% 1,221 $445,755,000 $365,074 $4,178 2.94%
44% 379 $135,925,000 $358,641 $4,390 3.07%
<20% 363 $124,675,000 $343,457 $3,700 2.83%
43% 310 $114,300,000 $368,710 $4,452 3.03%
42% 303 $111,475,000 $367,904 $4,505 3.02%
40% 288 $110,240,000 $382,778 $4,541 3.00%
38% 280 $101,750,000 $363,393 $4,444 3.02%
41% 260 $99,180,000 $381,462 $4,790 2.96%
37% 259 $92,185,000 $355,927 $4,286 2.98%
39% 250 $90,960,000 $363,840 $4,422 2.99%
45% 240 $89,610,000 $373,375 $4,934 2.98%
36% 224 $86,040,000 $384,107 $4,223 2.93%
49% 221 $81,535,000 $368,937 $4,846 2.93%
48% 208 $78,150,000 $375,721 $4,154 3.01%
46% 193 $72,655,000 $376,451 $4,087 2.93%
47% 181 $64,115,000 $354,227 $4,445 3.00%
50-60% 155 $60,995,000 $393,516 $7,952 2.87%
>60% 8 $3,000,000 $375,000 $9,634 2.92%

Ladera Lending lent most frequently to those with DTI ratios of 20-30%, with 1,396 originations. The next most common DTI ratio? 30-36%, with 1,221 originations.

Ethnicity Mix

Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
White 5,237 $1,909,235,000 $364,567 $4,384 2.95%
Not provided 864 $318,040,000 $368,102 $4,175 2.90%
Asian 437 $172,705,000 $395,206 $4,288 2.86%
Black 255 $86,085,000 $337,588 $4,721 3.02%
American Indian 27 $8,445,000 $312,778 $3,886 2.99%
Native Hawaiian 15 $5,765,000 $384,333 $4,361 2.87%
1 $395,000 $395,000 $3,442 3.25%
Not applicable 1 $355,000 $355,000 $2,169 3.25%
Asian Indian 1 $225,000 $225,000 $4,655 2.88%

Approval Rates

Total approvals of all applications
97.06%

Ladera Lending has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.

Pick Rate

Approvals leading to origination
-11.08%

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 6,838 $2,501,250,000 $365,787

Occupancy Type Mix

Dwelling Type Originations Total Value Average Loan
6,838 $2,501,250,000 $365,787

LTV Distribution

Loan to Value Originations Total Value Average Loan Average Fees Average Rate
20-40% 673 $202,345,000 $300,661 $3,745 2.80%
40-60% 2,442 $871,770,000 $356,990 $3,707 2.86%
60-80% 3,114 $1,188,870,000 $381,782 $4,481 3.04%
80-100% 552 $223,200,000 $404,348 $7,189 2.97%
Over 100% 10 $4,740,000 $474,000 $17,935 2.75%
Under 20% 47 $10,325,000 $219,681 $3,268 2.88%

Complaints

Bank Name Product Issue 2021 CPFB Complaints % of Total Issues
Ladera Lending, Inc Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 1 100.0%