Ladera Lending Mortgage Rates, Fees & Info

Sacramento, CA

LEI: 5493000H6DFDDJRORG89

Tax ID: 45-2481499

3.2 stars - Updated: 2/25/24 - out of 5 stars, based on 46 reviews

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

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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, Riverside, Phoenix, Las Vegas, and San Francisco among others. We have data for 210 markets. (Some data included below & more in-depth data is available with an active subscription.)

Ladera Lending has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Ladera Lending is typically a high fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

SimulatedRates™

Mortgage Type
Simulated Rate Simulation Date
30 Year Conventional Purchase 6.78% 2/25/24
30 Year Conventional Refi 6.76% 2/25/24
30 Year FHA Purchase 7.28% 2/25/24
30 Year FHA Refi 7.04% 2/25/24
30 Year VA Purchase 6.17% 2/25/24
30 Year VA Refi 6.16% 2/25/24
15 Year Conventional Purchase 5.81% 2/25/24
15 Year Conventional Refi 6.30% 2/25/24
15 Year Cash-out Refi 6.30% 2/25/24
15 Year FHA Refi 5.68% 2/25/24
15 Year VA Refi 5.68% 2/25/24
These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

Ladera Lending Mortgage Calculator






Your Estimates

Estimated Loan Payment: Update the calculator values and click calculate payment!

This is not an official calculator from Ladera Lending. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

The default purchase price is the median sales price across the US for 2022Q4, per FRED.


Originations

2,101

Origination Dollar Volume (All Markets)

$757,245,000
Show all (32) awards

Relative Rate

Ladera Lending's average 30 year fixed mortgage rate was 4.61%.

The 2022 average 30 year fixed rate mortgage across all markets and lenders was 4.76%.

This yields a difference of -0.15%.

Relative Fees (Closing Costs)

Ladera Lending's average total fees/closing costs for a 30 year fixed rate mortgage were $8,803.

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 $4,750.

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) 184 $94,970,000 $516,141 $8,058 4.35%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 128 $50,370,000 $393,516 $8,671 4.59%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 117 $42,535,000 $363,547 $8,212 4.59%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 105 $37,985,000 $361,762 $8,990 4.68%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 44 $23,860,000 $542,273 $9,122 4.05%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 52 $23,160,000 $445,385 $10,875 4.34%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 67 $21,865,000 $326,343 $8,924 4.45%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 39 $20,575,000 $527,564 $9,551 4.32%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 57 $20,535,000 $360,263 $8,773 4.34%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 51 $20,295,000 $397,941 $8,000 4.68%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 55 $19,185,000 $348,818 $9,591 4.68%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 49 $17,945,000 $366,224 $8,362 4.67%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 43 $16,735,000 $389,186 $7,593 4.04%
Outside of Metro Areas 41 $12,975,000 $316,463 $7,680 4.66%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 40 $12,110,000 $302,750 $9,068 5.16%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 36 $12,050,000 $334,722 $8,592 4.33%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 42 $11,960,000 $284,762 $9,109 4.96%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 33 $9,965,000 $301,970 $8,654 4.82%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 31 $8,735,000 $281,774 $7,182 4.35%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 21 $8,515,000 $405,476 $7,505 4.55%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 24 $8,380,000 $349,167 $7,710 4.15%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 16 $8,200,000 $512,500 $9,309 4.20%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 25 $8,185,000 $327,400 $9,674 4.82%
RALEIGH-CARY, NC (FHA|USDA|VA) 22 $7,780,000 $353,636 $9,120 4.27%
RENO, NV (FHA|USDA|VA) 21 $7,765,000 $369,762 $7,974 4.24%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 27 $7,675,000 $284,259 $10,579 4.52%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 25 $7,595,000 $303,800 $8,223 4.69%
JACKSONVILLE, FL (FHA|USDA|VA) 25 $7,415,000 $296,600 $11,131 4.71%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 11 $7,005,000 $636,818 $9,773 4.42%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 25 $6,935,000 $277,400 $7,011 4.29%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 23 $6,595,000 $286,739 $9,745 4.68%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 24 $6,240,000 $260,000 $8,865 4.45%
STOCKTON, CA (FHA|USDA|VA) 15 $5,645,000 $376,333 $7,678 4.62%
WORCESTER, MA-CT (FHA|USDA|VA) 15 $5,245,000 $349,667 $8,028 4.60%
COLORADO SPRINGS, CO (FHA|USDA|VA) 14 $4,960,000 $354,286 $9,856 4.64%
BAKERSFIELD, CA (FHA|USDA|VA) 13 $4,495,000 $345,769 $8,570 4.21%
FRESNO, CA (FHA|USDA|VA) 13 $4,295,000 $330,385 $7,209 4.55%
VALLEJO, CA (FHA|USDA|VA) 9 $3,925,000 $436,111 $8,578 4.32%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 14 $3,550,000 $253,571 $7,809 4.52%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 11 $3,525,000 $320,455 $8,672 4.52%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 12 $3,440,000 $286,667 $5,364 4.23%
TUCSON, AZ (FHA|USDA|VA) 10 $3,440,000 $344,000 $9,974 4.36%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 10 $3,370,000 $337,000 $10,175 4.59%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 13 $3,145,000 $241,923 $9,142 5.02%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 9 $2,865,000 $318,333 $8,421 5.25%
MODESTO, CA (FHA|USDA|VA) 7 $2,705,000 $386,429 $8,251 4.68%
VISALIA, CA (FHA|USDA|VA) 9 $2,595,000 $288,333 $7,625 4.64%
BEND, OR (FHA|USDA|VA) 6 $2,570,000 $428,333 $7,486 4.54%
GREELEY, CO (FHA|USDA|VA) 7 $2,545,000 $363,571 $13,025 5.14%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 7 $2,485,000 $355,000 $8,393 4.91%
SALEM, OR (FHA|USDA|VA) 7 $2,435,000 $347,857 $9,012 4.95%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 9 $2,415,000 $268,333 $9,616 4.64%
BOISE CITY, ID (FHA|USDA|VA) 7 $2,395,000 $342,143 $10,508 4.88%
SALINAS, CA (FHA|USDA|VA) 5 $2,305,000 $461,000 $7,719 3.90%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 5 $2,255,000 $451,000 $9,557 4.65%
PORT ST. LUCIE, FL (FHA|USDA|VA) 8 $2,130,000 $266,250 $10,171 5.34%
MERCED, CA (FHA|USDA|VA) 6 $2,130,000 $355,000 $5,594 4.27%
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 6 $2,100,000 $350,000 $6,789 4.46%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 9 $2,095,000 $232,778 $9,869 5.01%
BOULDER, CO (FHA|USDA|VA) 4 $2,080,000 $520,000 $7,777 5.09%
KNOXVILLE, TN (FHA|USDA|VA) 7 $2,075,000 $296,429 $9,538 4.52%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 6 $2,070,000 $345,000 $5,721 4.69%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 6 $2,020,000 $336,667 $8,615 4.13%
KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 7 $2,015,000 $287,857 $6,697 4.64%
FORT COLLINS, CO (FHA|USDA|VA) 5 $2,015,000 $403,000 $8,202 5.18%
NAPA, CA (FHA|USDA|VA) 3 $1,985,000 $661,667 $23,191 6.12%
TRENTON-PRINCETON, NJ (FHA|USDA|VA) 6 $1,970,000 $328,333 $7,975 3.88%
SPRINGFIELD, MA (FHA|USDA|VA) 9 $1,945,000 $216,111 $5,162 3.90%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 8 $1,900,000 $237,500 $8,554 4.81%
OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 5 $1,805,000 $361,000 $14,594 6.15%
SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 4 $1,800,000 $450,000 $4,867 3.72%
MEDFORD, OR (FHA|USDA|VA) 7 $1,795,000 $256,429 $8,532 3.16%
ASHEVILLE, NC (FHA|USDA|VA) 3 $1,795,000 $598,333 $14,396 4.21%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 8 $1,690,000 $211,250 $8,328 4.77%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 8 $1,630,000 $203,750 $6,731 4.77%
BELLINGHAM, WA (FHA|USDA|VA) 4 $1,620,000 $405,000 $9,683 4.94%
SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 4 $1,570,000 $392,500 $7,224 3.59%
CHICO, CA (FHA|USDA|VA) 5 $1,485,000 $297,000 $7,085 4.80%
SPARTANBURG, SC (FHA|USDA|VA) 5 $1,445,000 $289,000 $9,763 5.77%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 6 $1,420,000 $236,667 $8,223 5.48%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 3 $1,325,000 $441,667 $5,633 3.33%
ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 5 $1,315,000 $263,000 $7,927 3.80%
PANAMA CITY, FL (FHA|USDA|VA) 4 $1,310,000 $327,500 $10,364 5.00%
PITTSBURGH, PA (FHA|USDA|VA) 6 $1,300,000 $216,667 $9,387 4.69%
EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 4 $1,200,000 $300,000 $9,669 4.44%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 5 $1,195,000 $239,000 $9,605 4.40%
WINSTON-SALEM, NC (FHA|USDA|VA) 5 $1,125,000 $225,000 $4,183 4.05%
ALBUQUERQUE, NM (FHA|USDA|VA) 3 $1,065,000 $355,000 $8,451 3.83%
Sevierville, TN (FHA|USDA|VA) 4 $1,030,000 $257,500 $7,830 4.47%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 3 $1,005,000 $335,000 $7,330 4.96%
BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) 3 $925,000 $308,333 $10,412 4.67%
YUBA CITY, CA (FHA|USDA|VA) 2 $900,000 $450,000 $6,581 4.56%
BARNSTABLE TOWN, MA (FHA|USDA|VA) 3 $885,000 $295,000 $9,370 4.71%
MORRISTOWN, TN (FHA|USDA|VA) 3 $865,000 $288,333 $7,868 4.88%
Oak Harbor, WA (FHA|USDA|VA) 2 $860,000 $430,000 $10,514 4.38%
Shelton, WA (FHA|USDA|VA) 2 $860,000 $430,000 $6,573 5.19%
IDAHO FALLS, ID (FHA|USDA|VA) 3 $825,000 $275,000 $9,135 6.12%
COLUMBIA, SC (FHA|USDA|VA) 3 $815,000 $271,667 $11,215 4.88%
Moses Lake, WA (FHA|USDA|VA) 3 $765,000 $255,000 $4,677 4.13%
CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) 2 $750,000 $375,000 $17,764 4.25%
MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) 2 $750,000 $375,000 $6,534 3.38%
EAST STROUDSBURG, PA (FHA|USDA|VA) 3 $725,000 $241,667 $10,749 5.79%
WACO, TX (FHA|USDA|VA) 3 $725,000 $241,667 $10,956 5.25%
OCALA, FL (FHA|USDA|VA) 3 $695,000 $231,667 $11,263 5.29%
PROVO-OREM, UT (FHA|USDA|VA) 2 $690,000 $345,000 $10,763 5.75%
YUMA, AZ (FHA|USDA|VA) 3 $655,000 $218,333 $8,547 5.00%
WALLA WALLA, WA (FHA|USDA|VA) 2 $650,000 $325,000 $5,358 3.56%
EL PASO, TX (FHA|USDA|VA) 3 $645,000 $215,000 $9,158 5.50%
DULUTH, MN-WI (FHA|USDA|VA) 2 $600,000 $300,000 $5,232 4.94%
FAYETTEVILLE, NC (FHA|USDA|VA) 2 $600,000 $300,000 $12,029 3.56%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 4 $600,000 $150,000 $5,807 4.78%
WENATCHEE, WA (FHA|USDA|VA) 1 $595,000 $595,000 $14,563 3.38%
Lewisburg, TN (FHA|USDA|VA) 1 $595,000 $595,000 $9,972 3.50%
Clearlake, CA (FHA|USDA|VA) 2 $590,000 $295,000 $9,289 4.44%
Cookeville, TN (FHA|USDA|VA) 3 $585,000 $195,000 $4,909 4.67%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 2 $580,000 $290,000 $10,626 4.56%
SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 2 $580,000 $290,000 $3,958 4.19%
LONGVIEW, WA (FHA|USDA|VA) 2 $560,000 $280,000 $10,086 4.75%
Tullahoma-Manchester, TN (FHA|USDA|VA) 1 $555,000 $555,000 $6,004 5.63%
Pinehurst-Southern Pines, NC (FHA|USDA|VA) 2 $550,000 $275,000 $8,565 4.56%
Outside of Metro Areas 1 $545,000 $545,000 $10,490 2.75%
Mineral Wells, TX (FHA|USDA|VA) 1 $505,000 $505,000 $11,641 5.00%
Lawrenceburg, TN (FHA|USDA|VA) 2 $500,000 $250,000 $6,252 5.88%
Ukiah, CA (FHA|USDA|VA) 2 $500,000 $250,000 $10,591 3.38%
YAKIMA, WA (FHA|USDA|VA) 1 $495,000 $495,000 $5,835 3.63%
PUNTA GORDA, FL (FHA|USDA|VA) 2 $480,000 $240,000 $6,527 4.63%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 3 $475,000 $158,333 $6,033 5.00%
Eureka-Arcata, CA (FHA|USDA|VA) 2 $470,000 $235,000 $7,033 3.75%
Roseburg, OR (FHA|USDA|VA) 2 $460,000 $230,000 $8,575 4.31%
SALISBURY, MD-DE (FHA|USDA|VA) 1 $455,000 $455,000 $7,744 3.50%
POCATELLO, ID (FHA|USDA|VA) 2 $450,000 $225,000 $8,902 5.56%
Brainerd, MN (FHA|USDA|VA) 2 $450,000 $225,000 $4,109 5.00%
GRAND JUNCTION, CO (FHA|USDA|VA) 2 $450,000 $225,000 $9,093 5.13%
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 2 $410,000 $205,000 $10,042 4.44%
LEWISTON, ID-WA (FHA|USDA|VA) 2 $410,000 $205,000 $8,849 5.88%
Brookings, OR (FHA|USDA|VA) 1 $405,000 $405,000 $4,653 3.63%
MIDLAND, TX (FHA|USDA|VA) 1 $405,000 $405,000 $13,774 3.38%
ALBANY-LEBANON, OR (FHA|USDA|VA) 1 $385,000 $385,000 $12,242 3.25%
Arcadia, FL (FHA|USDA|VA) 1 $365,000 $365,000 $4,475 3.25%
GRANTS PASS, OR (FHA|USDA|VA) 1 $365,000 $365,000 $16,595 4.63%
BURLINGTON, NC (FHA|USDA|VA) 1 $355,000 $355,000 $25,275 2.88%
CARSON CITY, NV (FHA|USDA|VA) 2 $350,000 $175,000 $3,251 4.81%
Gardnerville Ranchos, NV (FHA|USDA|VA) 1 $345,000 $345,000 $6,793 4.50%
Owatonna, MN (FHA|USDA|VA) 1 $345,000 $345,000 $2,845 4.38%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 1 $345,000 $345,000 $14,072 4.75%
VICTORIA, TX (FHA|USDA|VA) 2 $340,000 $170,000 $4,607 4.63%
SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) 2 $340,000 $170,000 $5,862 4.94%
FLAGSTAFF, AZ (FHA|USDA|VA) 1 $325,000 $325,000 $2,844 3.88%
SALT LAKE CITY, UT (FHA|USDA|VA) 1 $315,000 $315,000 $20,305 5.63%
SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 1 $315,000 $315,000 $9,429 2.13%
Rock Springs, WY (FHA|USDA|VA) 1 $315,000 $315,000 $22,212 6.63%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 1 $315,000 $315,000 $5,237 3.00%
Ontario, OR-ID (FHA|USDA|VA) 1 $315,000 $315,000 $6,282 3.38%
Port Angeles, WA (FHA|USDA|VA) 1 $315,000 $315,000 $10,886 2.75%
FARMINGTON, NM (FHA|USDA|VA) 2 $310,000 $155,000 $6,119 4.50%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 2 $300,000 $150,000 $6,691 5.25%
Orangeburg, SC (FHA|USDA|VA) 2 $300,000 $150,000 $4,074 4.50%
CHEYENNE, WY (FHA|USDA|VA) 1 $285,000 $285,000 $16,593 5.00%
Andrews, TX (FHA|USDA|VA) 1 $285,000 $285,000 $14,963 6.13%
MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 2 $280,000 $140,000 $7,127 4.69%
Newport, OR (FHA|USDA|VA) 1 $275,000 $275,000 $8,189 5.63%
GREENVILLE, NC (FHA|USDA|VA) 1 $275,000 $275,000 $4,309 3.63%
MANKATO, MN (FHA|USDA|VA) 1 $265,000 $265,000 $10,511 3.88%
Lewisburg, PA (FHA|USDA|VA) 1 $265,000 $265,000 $12,031 3.75%
Red Bluff, CA (FHA|USDA|VA) 1 $265,000 $265,000 $10,194 2.88%
Elko, NV (FHA|USDA|VA) 1 $265,000 $265,000 $3,595 4.88%
McMinnville, TN (FHA|USDA|VA) 1 $255,000 $255,000 $10,089 6.13%
HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 1 $245,000 $245,000 $9,752 4.50%
Aberdeen, WA (FHA|USDA|VA) 1 $235,000 $235,000 $6,482 5.13%
YORK-HANOVER, PA (FHA|USDA|VA) 1 $225,000 $225,000 $7,412 5.25%
Sebastian-Vero Beach, FL (FHA|USDA|VA) 1 $225,000 $225,000 $8,787 4.75%
Palatka, FL (FHA|USDA|VA) 1 $215,000 $215,000 $14,142 5.13%
Blackfoot, ID (FHA|USDA|VA) 1 $215,000 $215,000 $10,573 4.38%
Rexburg, ID (FHA|USDA|VA) 1 $215,000 $215,000 $5,607 5.88%
TWIN FALLS, ID (FHA|USDA|VA) 1 $215,000 $215,000 $5,901 4.25%
Cullowhee, NC (FHA|USDA|VA) 1 $205,000 $205,000 $6,478 3.50%
Sandpoint, ID (FHA|USDA|VA) 1 $205,000 $205,000 $10,320 5.50%
CORVALLIS, OR (FHA|USDA|VA) 1 $205,000 $205,000 $6,291 4.50%
CLEVELAND, TN (FHA|USDA|VA) 1 $205,000 $205,000 $7,437 4.38%
Ellensburg, WA (FHA|USDA|VA) 1 $205,000 $205,000 $6,079 5.00%
PUEBLO, CO (FHA|USDA|VA) 1 $205,000 $205,000 $5,290 5.13%
Georgetown, SC (FHA|USDA|VA) 1 $205,000 $205,000 $8,295 5.99%
Ottawa, IL (FHA|USDA|VA) 1 $205,000 $205,000 $12,228 4.13%
HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 1 $205,000 $205,000 $2,835 4.00%
JACKSON, TN (FHA|USDA|VA) 1 $205,000 $205,000 $7,891 6.13%
Morehead City, NC (FHA|USDA|VA) 1 $205,000 $205,000 $4,291 5.00%
Show Low, AZ (FHA|USDA|VA) 1 $195,000 $195,000 $7,117 3.00%
CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) 1 $195,000 $195,000 $10,658 5.25%
Burley, ID (FHA|USDA|VA) 1 $195,000 $195,000 $9,234 5.38%
Pullman, WA (FHA|USDA|VA) 1 $185,000 $185,000 $9,132 5.13%
COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 1 $185,000 $185,000 $5,111 5.88%
Craig, CO (FHA|USDA|VA) 1 $185,000 $185,000 $10,594 4.75%
Klamath Falls, OR (FHA|USDA|VA) 1 $185,000 $185,000 $8,614 4.25%
REDDING, CA (FHA|USDA|VA) 1 $175,000 $175,000 $3,821 3.75%
TYLER, TX (FHA|USDA|VA) 1 $175,000 $175,000 $4,135 3.75%
GAINESVILLE, FL (FHA|USDA|VA) 1 $175,000 $175,000 $3,500 3.50%
MADERA, CA (FHA|USDA|VA) 1 $165,000 $165,000 $2,194 3.75%
OCEAN CITY, NJ (FHA|USDA|VA) 1 $165,000 $165,000 $8,044 5.38%
JACKSONVILLE, NC (FHA|USDA|VA) 1 $165,000 $165,000 $6,187 4.38%
ST. CLOUD, MN (FHA|USDA|VA) 1 $165,000 $165,000 $5,768 3.38%
Roswell, NM (FHA|USDA|VA) 1 $155,000 $155,000 $6,624 4.25%
Fernley, NV (FHA|USDA|VA) 1 $155,000 $155,000 $3,400 4.13%
Greenwood, SC (FHA|USDA|VA) 1 $155,000 $155,000 $4,257 5.50%
Bay City, TX (FHA|USDA|VA) 1 $145,000 $145,000 $5,065 6.38%
LAS CRUCES, NM (FHA|USDA|VA) 1 $145,000 $145,000 $4,217 6.13%
CORPUS CHRISTI, TX (FHA|USDA|VA) 1 $135,000 $135,000 $6,273 5.63%
Fallon, NV (FHA|USDA|VA) 1 $125,000 $125,000 $4,675 3.75%
ROCKFORD, IL (FHA|USDA|VA) 1 $105,000 $105,000 $7,439 3.63%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 1 $105,000 $105,000 $6,491 5.25%
SHERMAN-DENISON, TX (FHA|USDA|VA) 1 $95,000 $95,000 $4,380 3.38%
Ladera Lending's top markets include Los Angeles, Riverside, Phoenix, Las Vegas, and San Francisco among others.

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

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,617 $577,915,000 $357,400 $7,131 4.51%
    FHA 305 $104,925,000 $344,016 $14,163 4.84%
    VA 179 $74,405,000 $415,670 $12,627 4.28%

    For 2022, Ladera Lending's most frequently originated type of loan was Conventional, with 1,617 originations. Their 2nd most popular type was FHA, with 305 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 1,906 $662,150,000 $347,403 $8,616 4.51%
    Home Purchase 195 $95,095,000 $487,667 $8,651 4.87%

    For 2022, Ladera Lending's most frequently cited loan purpose was Refi, with 1,906 originations. The 2nd most popular reason was Home Purchase, with 195 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 1,941 $707,185,000 $364,341 $8,803 4.61%
    15 Year 98 $31,290,000 $319,286 $6,821 3.64%
    20 Year 51 $15,425,000 $302,451 $5,211 3.80%
    Other 10 $3,020,000 $302,000 $7,555 4.53%
    10 Year 1 $325,000 $325,000 $13,088 2.00%

    For 2022, Ladera Lending's most frequently cited loan duration was 30 Year, with 1,941 originations. The 2nd most popular length was 15 Year, with 98 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $5k+ 991 $372,885,000 $376,271
    $1k-2k 462 $185,100,000 $400,649
    $3k-4k 218 $61,890,000 $283,899
    $2k-3k 213 $68,555,000 $321,854
    $4k-5k 204 $61,960,000 $303,725
    $<1k 13 $6,855,000 $527,308

    Ladera Lending's average total fees were $8,803, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 991 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 662 $252,980,000 $382,145
    4-5% 592 $207,240,000 $350,068
    5-6% 559 $192,995,000 $345,250
    6-7% 139 $47,875,000 $344,424
    2.5-3% 114 $42,200,000 $370,175
    <2.5% 19 $7,375,000 $388,158
    7-8% 15 $6,115,000 $407,667
    Over 8% 1 $465,000 $465,000

    During 2022, Ladera Lending's average interest rate for loans was 4.61%, while their most frequently originated rate bucket for loans was 3-4%, with 662 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 1,063 $311,475,000 $293,015 $8,300 4.49%
    $400k-600k 536 $259,420,000 $483,993 $10,071 4.49%
    $100k-200k 304 $48,430,000 $159,309 $6,015 4.84%
    $600k-1MM 179 $124,725,000 $696,788 $10,597 4.45%
    $100,000 or less 10 $850,000 $85,000 $4,380 4.58%
    $1MM+ 9 $12,345,000 $1,371,667 $13,268 4.54%

    2022 saw Ladera Lending place emphasis on $200k-400k loans with 1,063 originations, totaling $311,475,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 584 $225,770,000 $386,592 $8,980 4.53%
    $75k-100k 457 $147,185,000 $322,068 $8,910 4.55%
    $50k-75k 421 $109,045,000 $259,014 $7,807 4.55%
    $150k-250k 375 $178,725,000 $476,600 $9,460 4.59%
    $50k or less 146 $27,660,000 $189,452 $6,820 4.48%
    $250k+ 116 $68,070,000 $586,810 $8,205 4.46%

    Ladera Lending lent most frequently to those with incomes in the $100k-150k range, with 584 originations. The second most popular income band? $75k-100k, with 457 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    30-36% 300 $104,900,000 $349,667 $7,886 4.50%
    20-30% 235 $78,725,000 $335,000 $7,442 4.37%
    44% 175 $64,685,000 $369,629 $8,401 4.73%
    50-60% 175 $68,825,000 $393,286 $14,358 4.76%
    42% 118 $46,000,000 $389,831 $7,902 4.56%
    43% 116 $42,790,000 $368,879 $8,407 4.58%
    39% 102 $35,130,000 $344,412 $7,379 4.55%
    38% 102 $33,530,000 $328,725 $7,915 4.59%
    45% 100 $36,430,000 $364,300 $8,570 4.48%
    41% 96 $37,180,000 $387,292 $8,015 4.51%
    49% 88 $32,660,000 $371,136 $9,481 4.54%
    40% 80 $29,320,000 $366,500 $7,377 4.54%
    37% 77 $28,215,000 $366,429 $7,944 4.77%
    47% 72 $27,350,000 $379,861 $9,258 4.45%
    <20% 66 $21,470,000 $325,303 $5,688 4.06%
    36% 66 $21,580,000 $326,970 $8,904 4.69%
    48% 65 $23,275,000 $358,077 $9,103 4.44%
    46% 61 $22,105,000 $362,377 $10,058 4.60%
    >60% 4 $2,110,000 $527,500 $7,907 3.72%

    Ladera Lending lent most frequently to those with DTI ratios of 30-36%, with 300 originations. The next most common DTI ratio? 20-30%, with 235 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,622 $579,310,000 $357,158 $8,438 4.53%
    Not provided 264 $93,310,000 $353,447 $9,241 4.53%
    Asian 95 $43,845,000 $461,526 $8,442 4.67%
    Black 112 $37,900,000 $338,393 $9,874 4.66%
    American Indian 6 $2,100,000 $350,000 $8,111 4.40%
    Native Hawaiian or Islander 2 $780,000 $390,000 $13,616 4.88%

    Approval Rates

    Total approvals of all applications
    96.21%

    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
    -154.02%

    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 2,101 $757,245,000 $360,421

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    2,101 $757,245,000 $360,421

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 156 $38,490,000 $246,731 $5,924 4.53%
    40-60% 534 $180,350,000 $337,734 $6,831 4.42%
    60-80% 1,030 $383,290,000 $372,126 $9,040 4.56%
    80-100% 354 $149,530,000 $422,401 $11,375 4.66%
    Over 100% 4 $1,810,000 $452,500 $19,254 4.88%
    Under 20% 23 $3,775,000 $164,130 $5,353 4.66%