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 small mortgage company specializing in Refi and Cash Out 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 by origination volume include: Los Angeles, Riverside, San Francisco, Seattle, and San Diego among others. We have data for 173 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 low 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% | 12/3/24 |
| 30 Year Conventional Refi | 6.76% | 12/3/24 |
| 30 Year FHA Purchase | 7.28% | 12/3/24 |
| 30 Year FHA Refi | 7.04% | 12/3/24 |
| 30 Year VA Purchase | 6.17% | 12/3/24 |
| 30 Year VA Refi | 6.16% | 12/3/24 |
| 15 Year Conventional Purchase | 5.81% | 12/3/24 |
| 15 Year Conventional Refi | 6.30% | 12/3/24 |
| 15 Year Cash-out Refi | 6.30% | 12/3/24 |
| 15 Year FHA Refi | 5.68% | 12/3/24 |
| 15 Year VA Refi | 5.68% | 12/3/24 |
| 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
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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
6,984Origination Dollar Volume (All Markets)
$2,543,970,000Awards
LADERA LENDING - 2020
LADERA LENDING is a 2020 , due to their low .
For 2020, 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) | 1,509 | $619,285,000 | $410,394 | $4,190 | 2.98% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 678 | $231,890,000 | $342,021 | $4,309 | 3.06% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 495 | $211,065,000 | $426,394 | $4,248 | 2.98% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 390 | $151,770,000 | $389,154 | $4,419 | 2.90% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 309 | $121,555,000 | $393,382 | $4,063 | 2.95% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 302 | $91,220,000 | $302,053 | $4,139 | 3.09% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 257 | $85,735,000 | $333,599 | $3,485 | 3.00% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 270 | $80,550,000 | $298,333 | $3,980 | 3.07% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 163 | $70,605,000 | $433,160 | $3,889 | 2.89% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 189 | $66,035,000 | $349,392 | $4,676 | 2.97% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 166 | $61,070,000 | $367,892 | $4,585 | 3.10% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 170 | $59,610,000 | $350,647 | $4,191 | 3.04% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 120 | $47,640,000 | $397,000 | $3,885 | 2.98% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 80 | $29,870,000 | $373,375 | $3,816 | 2.89% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 78 | $26,730,000 | $342,692 | $4,042 | 2.95% |
| RENO, NV (FHA|USDA|VA) | 75 | $24,995,000 | $333,267 | $3,543 | 2.89% |
| STOCKTON, CA (FHA|USDA|VA) | 65 | $22,255,000 | $342,385 | $4,683 | 3.02% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 50 | $20,680,000 | $413,600 | $5,195 | 3.04% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 60 | $20,060,000 | $334,333 | $4,322 | 3.05% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 48 | $19,490,000 | $406,042 | $3,972 | 2.98% |
| VALLEJO, CA (FHA|USDA|VA) | 51 | $19,075,000 | $374,020 | $3,929 | 2.85% |
| Outside of Metro Areas | 59 | $18,555,000 | $314,492 | $4,434 | 3.15% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 49 | $18,015,000 | $367,653 | $4,000 | 2.90% |
| FRESNO, CA (FHA|USDA|VA) | 60 | $16,580,000 | $276,333 | $3,883 | 3.23% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 47 | $16,545,000 | $352,021 | $3,920 | 3.09% |
| SALINAS, CA (FHA|USDA|VA) | 38 | $14,840,000 | $390,526 | $3,938 | 3.02% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 57 | $14,795,000 | $259,561 | $4,183 | 3.08% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 33 | $14,315,000 | $433,788 | $4,490 | 2.94% |
| MODESTO, CA (FHA|USDA|VA) | 51 | $13,825,000 | $271,078 | $4,273 | 3.17% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 38 | $13,540,000 | $356,316 | $4,341 | 3.01% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 36 | $12,540,000 | $348,333 | $4,449 | 2.97% |
| TUCSON, AZ (FHA|USDA|VA) | 42 | $12,370,000 | $294,524 | $3,971 | 3.00% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 29 | $9,645,000 | $332,586 | $3,973 | 2.91% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 26 | $9,140,000 | $351,538 | $4,130 | 2.88% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 27 | $8,065,000 | $298,704 | $5,221 | 3.06% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 24 | $7,540,000 | $314,167 | $5,637 | 3.15% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 27 | $7,395,000 | $273,889 | $5,733 | 2.94% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 24 | $6,970,000 | $290,417 | $4,339 | 3.12% |
| BOULDER, CO (FHA|USDA|VA) | 19 | $6,905,000 | $363,421 | $3,808 | 3.03% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 24 | $6,810,000 | $283,750 | $4,554 | 3.09% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 19 | $6,635,000 | $349,211 | $4,285 | 2.97% |
| VISALIA, CA (FHA|USDA|VA) | 21 | $6,115,000 | $291,190 | $3,792 | 3.20% |
| MERCED, CA (FHA|USDA|VA) | 18 | $6,050,000 | $336,111 | $3,992 | 3.11% |
| FORT COLLINS, CO (FHA|USDA|VA) | 17 | $5,755,000 | $338,529 | $4,790 | 3.04% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 16 | $5,610,000 | $350,625 | $5,204 | 2.84% |
| GREELEY, CO (FHA|USDA|VA) | 18 | $5,600,000 | $311,111 | $3,916 | 3.03% |
| BELLINGHAM, WA (FHA|USDA|VA) | 15 | $5,535,000 | $369,000 | $4,058 | 2.88% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 18 | $5,450,000 | $302,778 | $3,234 | 3.06% |
| KENNEWICK-RICHLAND, WA (FHA|USDA|VA) | 18 | $5,380,000 | $298,889 | $4,607 | 2.97% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 16 | $5,310,000 | $331,875 | $4,294 | 3.05% |
| BEND, OR (FHA|USDA|VA) | 15 | $5,215,000 | $347,667 | $4,157 | 2.88% |
| NAPA, CA (FHA|USDA|VA) | 13 | $5,135,000 | $395,000 | $3,234 | 3.10% |
| CHICO, CA (FHA|USDA|VA) | 16 | $4,960,000 | $310,000 | $4,387 | 3.30% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 19 | $4,945,000 | $260,263 | $3,466 | 3.02% |
| SALEM, OR (FHA|USDA|VA) | 16 | $4,930,000 | $308,125 | $4,041 | 3.24% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 14 | $4,750,000 | $339,286 | $3,767 | 3.03% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 14 | $4,560,000 | $325,714 | $3,814 | 2.76% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 14 | $4,470,000 | $319,286 | $3,089 | 3.00% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 15 | $4,415,000 | $294,333 | $3,747 | 3.33% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 12 | $4,200,000 | $350,000 | $3,327 | 2.91% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 11 | $4,105,000 | $373,182 | $5,574 | 2.95% |
| ASHEVILLE, NC (FHA|USDA|VA) | 11 | $3,985,000 | $362,273 | $6,110 | 3.20% |
| REDDING, CA (FHA|USDA|VA) | 12 | $3,720,000 | $310,000 | $3,030 | 2.98% |
| YUBA CITY, CA (FHA|USDA|VA) | 12 | $3,420,000 | $285,000 | $5,068 | 3.26% |
| Gardnerville Ranchos, NV (FHA|USDA|VA) | 10 | $3,330,000 | $333,000 | $3,854 | 2.94% |
| Oak Harbor, WA (FHA|USDA|VA) | 9 | $3,215,000 | $357,222 | $3,581 | 2.74% |
| Fernley, NV (FHA|USDA|VA) | 12 | $3,140,000 | $261,667 | $4,087 | 3.15% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 9 | $3,115,000 | $346,111 | $3,666 | 2.86% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 13 | $3,015,000 | $231,923 | $4,484 | 3.13% |
| MEDFORD, OR (FHA|USDA|VA) | 9 | $2,665,000 | $296,111 | $4,604 | 2.88% |
| WENATCHEE, WA (FHA|USDA|VA) | 7 | $2,615,000 | $373,571 | $3,480 | 2.89% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 9 | $2,615,000 | $290,556 | $5,245 | 3.11% |
| Edwards, CO (FHA|USDA|VA) | 6 | $2,480,000 | $413,333 | $4,562 | 2.92% |
| CARSON CITY, NV (FHA|USDA|VA) | 9 | $2,455,000 | $272,778 | $4,894 | 3.11% |
| BARNSTABLE TOWN, MA (FHA|USDA|VA) | 8 | $2,410,000 | $301,250 | $3,101 | 2.81% |
| OCEAN CITY, NJ (FHA|USDA|VA) | 7 | $2,365,000 | $337,857 | $4,359 | 2.84% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 6 | $2,320,000 | $386,667 | $5,368 | 2.67% |
| WILMINGTON, NC (FHA|USDA|VA) | 6 | $2,140,000 | $356,667 | $4,279 | 2.96% |
| CORVALLIS, OR (FHA|USDA|VA) | 6 | $2,010,000 | $335,000 | $3,434 | 2.85% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 6 | $2,000,000 | $333,333 | $3,599 | 3.21% |
| Shelton, WA (FHA|USDA|VA) | 6 | $1,990,000 | $331,667 | $4,442 | 3.00% |
| LONGVIEW, WA (FHA|USDA|VA) | 6 | $1,950,000 | $325,000 | $4,958 | 3.21% |
| Kill Devil Hills, NC (FHA|USDA|VA) | 6 | $1,930,000 | $321,667 | $5,024 | 2.83% |
| HANFORD-CORCORAN, CA (FHA|USDA|VA) | 7 | $1,905,000 | $272,143 | $4,875 | 3.29% |
| MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) | 6 | $1,870,000 | $311,667 | $3,845 | 3.35% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 7 | $1,815,000 | $259,286 | $4,629 | 2.88% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 6 | $1,760,000 | $293,333 | $3,887 | 2.63% |
| YUMA, AZ (FHA|USDA|VA) | 7 | $1,655,000 | $236,429 | $3,667 | 3.11% |
| GRAND JUNCTION, CO (FHA|USDA|VA) | 5 | $1,635,000 | $327,000 | $3,369 | 2.88% |
| FLAGSTAFF, AZ (FHA|USDA|VA) | 5 | $1,615,000 | $323,000 | $4,997 | 3.38% |
| Glenwood Springs, CO (FHA|USDA|VA) | 5 | $1,595,000 | $319,000 | $5,938 | 3.10% |
| KNOXVILLE, TN (FHA|USDA|VA) | 5 | $1,555,000 | $311,000 | $3,884 | 3.20% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 5 | $1,555,000 | $311,000 | $4,367 | 2.70% |
| Boone, NC (FHA|USDA|VA) | 4 | $1,550,000 | $387,500 | $4,403 | 3.00% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 6 | $1,510,000 | $251,667 | $6,072 | 3.50% |
| Port Angeles, WA (FHA|USDA|VA) | 4 | $1,420,000 | $355,000 | $4,264 | 3.84% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 4 | $1,410,000 | $352,500 | $3,562 | 2.47% |
| Centralia, WA (FHA|USDA|VA) | 4 | $1,370,000 | $342,500 | $3,697 | 2.91% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 4 | $1,320,000 | $330,000 | $5,243 | 3.06% |
| Pahrump, NV (FHA|USDA|VA) | 5 | $1,315,000 | $263,000 | $3,999 | 3.00% |
| Ukiah, CA (FHA|USDA|VA) | 4 | $1,310,000 | $327,500 | $6,488 | 3.19% |
| Ellensburg, WA (FHA|USDA|VA) | 3 | $1,265,000 | $421,667 | $4,878 | 2.75% |
| EL CENTRO, CA (FHA|USDA|VA) | 5 | $1,215,000 | $243,000 | $5,162 | 3.18% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 3 | $1,175,000 | $391,667 | $5,909 | 3.08% |
| YAKIMA, WA (FHA|USDA|VA) | 5 | $1,175,000 | $235,000 | $6,717 | 3.30% |
| WALLA WALLA, WA (FHA|USDA|VA) | 4 | $1,170,000 | $292,500 | $4,335 | 3.09% |
| Eureka-Arcata, CA (FHA|USDA|VA) | 5 | $1,145,000 | $229,000 | $3,397 | 3.13% |
| Moses Lake, WA (FHA|USDA|VA) | 4 | $1,140,000 | $285,000 | $3,707 | 3.53% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 4 | $1,140,000 | $285,000 | $4,060 | 3.03% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 3 | $1,115,000 | $371,667 | $4,754 | 3.21% |
| Prineville, OR (FHA|USDA|VA) | 4 | $1,050,000 | $262,500 | $3,338 | 3.00% |
| ALBANY-LEBANON, OR (FHA|USDA|VA) | 5 | $1,035,000 | $207,000 | $4,867 | 3.38% |
| MADERA, CA (FHA|USDA|VA) | 3 | $995,000 | $331,667 | $7,521 | 3.21% |
| ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) | 3 | $985,000 | $328,333 | $5,196 | 2.58% |
| SPRINGFIELD, MA (FHA|USDA|VA) | 3 | $815,000 | $271,667 | $5,806 | 2.88% |
| Payson, AZ (FHA|USDA|VA) | 3 | $805,000 | $268,333 | $9,386 | 2.75% |
| Breckenridge, CO (FHA|USDA|VA) | 2 | $740,000 | $370,000 | $3,399 | 3.19% |
| Durango, CO (FHA|USDA|VA) | 2 | $720,000 | $360,000 | $5,967 | 2.50% |
| Sevierville, TN (FHA|USDA|VA) | 2 | $720,000 | $360,000 | $2,519 | 2.88% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 2 | $670,000 | $335,000 | $6,189 | 2.69% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 2 | $620,000 | $310,000 | $4,541 | 2.38% |
| OCALA, FL (FHA|USDA|VA) | 2 | $610,000 | $305,000 | $3,365 | 3.00% |
| Aberdeen, WA (FHA|USDA|VA) | 3 | $575,000 | $191,667 | $3,098 | 3.08% |
| Red Bluff, CA (FHA|USDA|VA) | 2 | $570,000 | $285,000 | $3,199 | 2.94% |
| HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) | 2 | $560,000 | $280,000 | $4,020 | 3.06% |
| Clearlake, CA (FHA|USDA|VA) | 2 | $550,000 | $275,000 | $2,238 | 3.44% |
| Sonora, CA (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $6,917 | 3.00% |
| Astoria, OR (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $4,876 | 2.94% |
| Show Low, AZ (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $4,238 | 3.50% |
| BURLINGTON, NC (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $3,996 | 3.50% |
| Morehead City, NC (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $3,420 | 3.50% |
| SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $6,300 | 3.25% |
| Fort Morgan, CO (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $2,659 | 2.75% |
| Vineyard Haven, MA (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $2,320 | 2.88% |
| Brookings, OR (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $3,508 | 2.88% |
| NEW BERN, NC (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $3,139 | 2.81% |
| Roseburg, OR (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $5,154 | 3.75% |
| TYLER, TX (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $5,311 | 2.75% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $3,272 | 2.94% |
| Cookeville, TN (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $6,961 | 2.88% |
| Hermiston-Pendleton, OR (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $3,402 | 2.75% |
| EL PASO, TX (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $4,985 | 2.44% |
| CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $2,195 | 2.75% |
| Cañon City, CO (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $2,659 | 3.13% |
| Montrose, CO (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $3,184 | 3.38% |
| GRANTS PASS, OR (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $4,655 | 3.00% |
| PUEBLO, CO (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $6,630 | 3.94% |
| BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $3,701 | 2.63% |
| GAINESVILLE, FL (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $2,155 | 2.63% |
| Steamboat Springs, CO (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $2,659 | 2.75% |
| Pullman, WA (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $2,499 | 2.75% |
| Shelby, NC (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $5,668 | 2.63% |
| Coos Bay, OR (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $6,710 | 2.75% |
| Athens, TX (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $6,776 | 2.63% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $3,269 | 2.38% |
| Elko, NV (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $5,993 | 3.13% |
| LEWISTON, ID-WA (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $2,305 | 2.88% |
| North Wilkesboro, NC (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $2,411 | 2.88% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $4,408 | 2.88% |
| Brevard, NC (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $3,419 | 2.75% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $3,354 | 3.00% |
| Mount Airy, NC (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $7,345 | 3.88% |
| Newport, OR (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $4,032 | 2.75% |
| CUMBERLAND, MD-WV (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $3,029 | 4.63% |
| Elizabeth City, NC (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $5,189 | 2.50% |
| ODESSA, TX (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $5,080 | 3.00% |
| SHERMAN-DENISON, TX (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $4,303 | 4.13% |
| Wilson, NC (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,640 | 4.13% |
| LONGVIEW, TX (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $2,916 | 3.38% |
| Stephenville, TX (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,775 | 2.63% |
| Sanford, NC (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $8,710 | 3.88% |
| Kingsville, TX (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $6,670 | 3.38% |
| VINELAND-BRIDGETON, NJ (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,314 | 3.00% |
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 2020, Ladera Lending's most frequently originated type of loan was Conventional, with 6,413 originations. Their 2nd most popular type was VA, with 338 originations.
Loan Reason
For 2020, Ladera Lending's most frequently cited loan purpose was Refi, with 4,011 originations. The 2nd most popular reason was Cash Out Refi, with 2,812 originations.
Loan Duration/Length
For 2020, Ladera Lending's most frequently cited loan duration was 30 Year, with 5,959 originations. The 2nd most popular length was 15 Year, with 645 originations.
Origination Fees/Closing Costs
Ladera Lending's average total fees were $4,268, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 4,022 originations.
Interest Rates
During 2020, Ladera Lending's average interest rate for loans was 3.05%, while their most frequently originated rate bucket for loans was 2.5-3%, with 3,709 originations.
Loan Sizing
2020 saw Ladera Lending place emphasis on $200k-400k loans with 3,985 originations, totaling $1,244,545,000 in origination value.
Applicant Income
Ladera Lending lent most frequently to those with incomes in the $100k-150k range, with 2,192 originations. The second most popular income band? $150k-250k, with 1,595 originations.
Applicant Debt to Income Ratio
Ladera Lending lent most frequently to those with DTI ratios of 20-30%, with 1,645 originations. The next most common DTI ratio? 30-36%, with 1,277 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications97.46%
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-0.52%
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 | 6,984 | $2,543,970,000 | $364,257 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Manufactured | 1 | $465,000 | $465,000 |
| Single Family (1-4 Units):Site-Built | 6,983 | $2,543,505,000 | $364,242 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2020 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| Ladera Lending, Inc | Conventional home mortgage | Applying for a mortgage or refinancing an existing mortgage | 1 | 33.3% |
| Ladera Lending, Inc | Conventional home mortgage | Improper use of your report | 1 | 33.3% |
| Ladera Lending, Inc | FHA mortgage | Closing on a mortgage | 1 | 33.3% |