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 Cash Out Refi loans. Ladera Lending has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) Their top markets by origination volume include: Los Angeles, Riverside, San Diego, San Francisco, and Phoenix among others. We have data for 99 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 | 6.78% | 4/22/24 |
| 30 Year Conventional Refi | 6.76% | 4/22/24 |
| 30 Year FHA Purchase | 7.28% | 4/22/24 |
| 30 Year FHA Refi | 7.04% | 4/22/24 |
| 30 Year VA Purchase | 6.17% | 4/22/24 |
| 30 Year VA Refi | 6.16% | 4/22/24 |
| 15 Year Conventional Purchase | 5.81% | 4/22/24 |
| 15 Year Conventional Refi | 6.30% | 4/22/24 |
| 15 Year Cash-out Refi | 6.30% | 4/22/24 |
| 15 Year FHA Refi | 5.68% | 4/22/24 |
| 15 Year VA Refi | 5.68% | 4/22/24 |
| 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
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
1,081Origination Dollar Volume (All Markets)
$334,855,000Awards
LADERA LENDING - 2018
LADERA LENDING is a 2018 , due to their low .
For 2018, less than of lenders were eligible for this award.
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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) | 148 | $59,290,000 | $400,608 | $8,388 | 4.98% |
| Outside of Metro Areas | 147 | $55,585,000 | $378,129 | $8,450 | 5.63% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 149 | $43,405,000 | $291,309 | $6,893 | 4.79% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 52 | $21,330,000 | $410,192 | $8,178 | 4.83% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 36 | $16,240,000 | $451,111 | $10,097 | 5.22% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 69 | $15,735,000 | $228,043 | $6,258 | 4.88% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 41 | $11,915,000 | $290,610 | $7,375 | 4.95% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 37 | $10,385,000 | $280,676 | $9,255 | 4.84% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 12 | $8,090,000 | $674,167 | $8,326 | 5.03% |
| STOCKTON, CA (FHA|USDA|VA) | 22 | $7,180,000 | $326,364 | $8,079 | 4.80% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 29 | $6,435,000 | $221,897 | $6,407 | 4.93% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 19 | $4,975,000 | $261,842 | $6,972 | 5.16% |
| MERCED, CA (FHA|USDA|VA) | 16 | $4,590,000 | $286,875 | $6,073 | 4.84% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 19 | $4,375,000 | $230,263 | $5,041 | 5.13% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 22 | $4,070,000 | $185,000 | $5,582 | 5.28% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 17 | $3,175,000 | $186,765 | $6,560 | 5.54% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 13 | $3,095,000 | $238,077 | $5,213 | 5.37% |
| MODESTO, CA (FHA|USDA|VA) | 11 | $2,685,000 | $244,091 | $5,925 | 4.94% |
| TUCSON, AZ (FHA|USDA|VA) | 9 | $2,265,000 | $251,667 | $6,703 | 4.96% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 10 | $2,260,000 | $226,000 | $6,712 | 5.04% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 10 | $2,250,000 | $225,000 | $4,398 | 4.74% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 8 | $2,120,000 | $265,000 | $5,616 | 4.81% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 9 | $1,995,000 | $221,667 | $6,846 | 5.00% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 8 | $1,730,000 | $216,250 | $7,708 | 4.64% |
| VALLEJO, CA (FHA|USDA|VA) | 5 | $1,625,000 | $325,000 | $11,809 | 4.58% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 5 | $1,575,000 | $315,000 | $17,452 | 5.20% |
| RENO, NV (FHA|USDA|VA) | 5 | $1,475,000 | $295,000 | $9,823 | 4.98% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 5 | $1,455,000 | $291,000 | $4,335 | 4.55% |
| SALINAS, CA (FHA|USDA|VA) | 3 | $1,435,000 | $478,333 | $15,033 | 4.71% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 6 | $1,370,000 | $228,333 | $9,742 | 5.38% |
| FRESNO, CA (FHA|USDA|VA) | 7 | $1,355,000 | $193,571 | $4,928 | 5.52% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 4 | $1,330,000 | $332,500 | $3,524 | 5.47% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 3 | $1,255,000 | $418,333 | $14,593 | 4.63% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 5 | $1,235,000 | $247,000 | $7,006 | 5.00% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 8 | $1,160,000 | $145,000 | $6,063 | 5.30% |
| YUBA CITY, CA (FHA|USDA|VA) | 4 | $1,030,000 | $257,500 | $7,716 | 4.38% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 4 | $1,000,000 | $250,000 | $8,876 | 4.91% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 5 | $915,000 | $183,000 | $5,920 | 5.43% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 2 | $840,000 | $420,000 | $13,387 | 5.44% |
| EL CENTRO, CA (FHA|USDA|VA) | 4 | $840,000 | $210,000 | $6,528 | 4.91% |
| HANFORD-CORCORAN, CA (FHA|USDA|VA) | 4 | $770,000 | $192,500 | $8,062 | 4.94% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 4 | $710,000 | $177,500 | $7,140 | 6.13% |
| KENNEWICK-RICHLAND, WA (FHA|USDA|VA) | 3 | $685,000 | $228,333 | $7,820 | 4.21% |
| Sonora, CA (FHA|USDA|VA) | 2 | $670,000 | $335,000 | $5,693 | 4.81% |
| BEND, OR (FHA|USDA|VA) | 2 | $610,000 | $305,000 | $3,521 | 4.56% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 2 | $570,000 | $285,000 | $5,847 | 5.69% |
| REDDING, CA (FHA|USDA|VA) | 2 | $550,000 | $275,000 | $10,079 | 4.06% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 2 | $550,000 | $275,000 | $5,541 | 5.63% |
| MEDFORD, OR (FHA|USDA|VA) | 3 | $545,000 | $181,667 | $2,692 | 5.54% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $9,816 | 4.69% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 3 | $515,000 | $171,667 | $4,588 | 4.96% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 3 | $505,000 | $168,333 | $6,824 | 4.42% |
| VISALIA, CA (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $7,644 | 4.44% |
| GRANTS PASS, OR (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $6,733 | 5.00% |
| WENATCHEE, WA (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $6,233 | 4.50% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $7,292 | 4.31% |
| BOULDER, CO (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $6,004 | 6.88% |
| CHICO, CA (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $6,969 | 4.81% |
| MADERA, CA (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $8,233 | 5.00% |
| Edwards, CO (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $4,195 | 5.63% |
| ALBANY-LEBANON, OR (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $5,420 | 5.00% |
| SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $3,365 | 5.38% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $7,377 | 5.13% |
| Hermiston-Pendleton, OR (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $10,924 | 4.13% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $4,724 | 4.88% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $4,178 | 4.50% |
| VICTORIA, TX (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $5,977 | 4.88% |
| Shelton, WA (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $3,572 | 4.63% |
| Pullman, WA (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $3,618 | 4.75% |
| GREELEY, CO (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $8,357 | 5.44% |
| CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $7,969 | 4.50% |
| Elko, NV (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $17,629 | 4.88% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $2,720 | 4.81% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $7,620 | 5.44% |
| SAN ANGELO, TX (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $7,561 | 5.75% |
| Port Angeles, WA (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $8,405 | 5.63% |
| BELLINGHAM, WA (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $3,706 | 5.00% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $9,756 | 5.38% |
| Sulphur Springs, TX (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $4,883 | 5.50% |
| Oak Harbor, WA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $12,940 | 4.50% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $5,239 | 3.75% |
| SALEM, OR (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $8,753 | 4.63% |
| FORT COLLINS, CO (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $5,992 | 4.25% |
| Eagle Pass, TX (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $8,018 | 4.88% |
| Nogales, AZ (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $9,634 | 4.50% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,948 | 5.63% |
| YAKIMA, WA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $2,738 | 3.63% |
| MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,655 | 8.99% |
| Cañon City, CO (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $7,018 | 4.50% |
| Alice, TX (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $4,756 | 5.25% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $8,196 | 4.75% |
| Lufkin, TX (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $7,445 | 5.88% |
| Coos Bay, OR (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,832 | 5.38% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $5,778 | 4.63% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $7,383 | 4.38% |
| YUMA, AZ (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $3,659 | 5.75% |
| Roseburg, OR (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $6,719 | 4.88% |
| MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $4,117 | 5.25% |
| FLAGSTAFF, AZ (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $8,750 | 5.50% |
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 2018, Ladera Lending's most frequently originated type of loan was Conventional, with 603 originations. Their 2nd most popular type was FHA, with 309 originations.
Loan Reason
For 2018, Ladera Lending's most frequently cited loan purpose was Cash Out Refi, with 792 originations. The 2nd most popular reason was Home Purchase, with 149 originations.
Loan Duration/Length
For 2018, Ladera Lending's most frequently cited loan duration was 30 Year, with 568 originations. The 2nd most popular length was Other, with 473 originations.
Origination Fees/Closing Costs
Ladera Lending's average total fees were $8,023, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 398 originations.
Interest Rates
During 2018, Ladera Lending's average interest rate for loans was 5.19%, while their most frequently originated rate bucket for loans was 4-5%, with 604 originations.
Loan Sizing
2018 saw Ladera Lending place emphasis on $200k-400k loans with 527 originations, totaling $150,455,000 in origination value.
Applicant Income
Ladera Lending lent most frequently to those with incomes in the $50k-75k range, with 277 originations. The second most popular income band? $100k-150k, with 252 originations.
Applicant Debt to Income Ratio
Ladera Lending lent most frequently to those with DTI ratios of 50-60%, with 147 originations. The next most common DTI ratio? 30-36%, with 124 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications92.43%
Ladera Lending has an average approval rate.
Pick Rate
Approvals leading to origination-27.84%
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 |
|---|---|---|---|
| 1537.66 | 1 | $265,000 | $265,000 |
| 2252.52 | 1 | $635,000 | $635,000 |
| NA | 1,079 | $333,955,000 | $309,504 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Manufactured | 4 | $580,000 | $145,000 |
| Single Family (1-4 Units):Site-Built | 1,077 | $334,275,000 | $310,376 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2018 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| Ladera Lending, Inc | Conventional home mortgage | Trouble during payment process | 1 | 50.0% |
| Ladera Lending, Inc | FHA mortgage | Closing on a mortgage | 1 | 50.0% |