Ladera Lending Mortgage Rates, Fees & Info
Sacramento, CALEI: 5493000H6DFDDJRORG89
Tax ID: 45-2481499
5 stars
2021 Data | 2020 Data | 2019 Data | 2018 Data
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Mortgage 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
6,838Origination Dollar Volume (All Markets)
$2,501,250,000Awards
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LADERA LENDING - 2021
LADERA LENDING is a 2021 , due to their low .
For 2021, less than of lenders were eligible for this award.
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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% |
| Cañon 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 applications97.06%
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% |
