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 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 Phoenix among others. We have data for 226 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% | 11/21/24 |
| 30 Year Conventional Refi | 6.76% | 11/21/24 |
| 30 Year FHA Purchase | 7.28% | 11/21/24 |
| 30 Year FHA Refi | 7.04% | 11/21/24 |
| 30 Year VA Purchase | 6.17% | 11/21/24 |
| 30 Year VA Refi | 6.16% | 11/21/24 |
| 15 Year Conventional Purchase | 5.81% | 11/21/24 |
| 15 Year Conventional Refi | 6.30% | 11/21/24 |
| 15 Year Cash-out Refi | 6.30% | 11/21/24 |
| 15 Year FHA Refi | 5.68% | 11/21/24 |
| 15 Year VA Refi | 5.68% | 11/21/24 |
| 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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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
6,838Origination 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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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) | 1,078 | $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% |
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Product Mix
For 2021, Ladera Lending's most frequently originated type of loan was Conventional, with 6,363 originations. Their 2nd most popular type was VA, with 296 originations.
Loan Reason
| Loan Reason | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. 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 2021, Ladera Lending's most frequently cited loan purpose was Refi, with 6,547 originations. The 2nd most popular reason was Home Purchase, with 291 originations.
Loan Duration/Length
For 2021, Ladera Lending's most frequently cited loan duration was 30 Year, with 5,649 originations. The 2nd most popular length was 15 Year, with 806 originations.
Origination Fees/Closing Costs
Ladera Lending's average total fees were $4,441, while their most frequently occuring range of origination fees (closing costs) 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 for loans was 3.03%, while their most frequently originated rate bucket for loans was 2.5-3%, with 3,434 originations.
Loan Sizing
2021 saw Ladera Lending place emphasis on $200k-400k loans with 4,007 originations, totaling $1,222,335,000 in origination value.
Applicant Income
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
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
Approval Rates
Total approvals of all applications97.71%
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-26.12%
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
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% |