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 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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 7.18% | 4/17/25 |
| 30 Year Conventional Refi | 8.40% | 4/17/25 |
| 30 Year FHA Purchase | 6.97% | 4/17/25 |
| 30 Year FHA Refi | 7.07% | 4/17/25 |
| 30 Year VA Purchase | 6.38% | 4/17/25 |
| 30 Year VA Refi | 6.52% | 4/17/25 |
| 15 Year Conventional Purchase | 6.00% | 4/17/25 |
| 15 Year Conventional Refi | 8.86% | 4/17/25 |
| 15 Year Cash-out Refi | 8.86% | 4/17/25 |
| 15 Year FHA Refi | 6.78% | 4/17/25 |
| 15 Year VA Refi | 6.52% | 4/17/25 |
| 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
917Origination Dollar Volume (All Markets)
$282,865,000Awards
LADERA LENDING - 2024
LADERA LENDING is a 2024 , due to their low .
For 2024, 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
7.26%.
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
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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% |
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 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
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
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
2024 saw Ladera Lending place emphasis on $200k-400k loans with 382 originations, totaling $109,930,000 in origination value.
Applicant Income
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
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
Approval Rates
Total approvals of all applications94.58%
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 |