# LADERA LENDING, INC.

> **Canonical URL:** https://saferate.com/lenders/ladera-lending


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


LADERA LENDING, INC. is a independent mortgage company, headquartered in Sacramento, CA, serving borrowers across 21 states, with 685 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 88% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 73% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 5493000H6DFDDJRORG89
- **Headquarters:** Sacramento, CA
- **Geographic Reach:** Multi-Region
- **States Served:** 21
- **State List:** AZ, CA, CO, FL, ID, IL, MA, MD, MN, NC, NJ, NM, NV, OR, PA, SC, TN, TX, UT, WA, WY
- **Markets (MSAs):** 13
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Mediocre 😐
- Score: 12/100
- Rating: ●○○○○ (1/5)

### Pull Through: Acceptable 🙂
- Score: 27/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** +0.362%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $3,657
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 685
- **Dollar Volume:** $241 million
- **Applications Received:** 2,223
- **Market Share:** 2.00%

## Typical Borrower Profile

- **Average Loan Amount:** $352,474
- **Average Borrower Income:** $130,610
- **Average Property Value:** $588,839

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 44/100 | 362 | +0.485% | $3,390 | Sound ☺️ |
| FHA | 67/100 | 218 | +0.387% | $4,133 | Strong 😀 |
| VA | 68/100 | 98 | -0.200% | $4,042 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 42 loans, Score: 22/100 (Acceptable)
- Refinance: 320 loans, Score: 66/100 (Strong)

**FHA:**
- Refinance: 212 loans, Score: 81/100 (Exceptional)

**VA:**
- Refinance: 91 loans, Score: 80/100 (Exceptional)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 27/100 | 57 | $29M | +0.351% | Acceptable 🙂 |
| Refinance | 68/100 | 628 | $213M | +0.363% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| CA | 157 | 0.06% | 63/100 |
| FL | 80 | 0.03% | 55/100 |
| AZ | 58 | 0.06% | 58/100 |
| NV | 52 | 0.13% | 61/100 |
| NJ | 47 | 0.05% | 56/100 |
| TN | 41 | 0.04% | 53/100 |
| WA | 40 | 0.05% | 55/100 |
| SC | 37 | 0.05% | 54/100 |
| NC | 32 | 0.02% | 48/100 |
| MA | 29 | 0.05% | 50/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 53 | 42/100 |
| Las Vegas | NV | 44 | 60/100 |
| Phoenix | AZ | 34 | 52/100 |
| Los Angeles | CA | 31 | 52/100 |
| Anaheim | CA | 27 | 54/100 |
| Riverside | CA | 27 | 51/100 |
| Chicago | IL | 20 | 46/100 |
| San Diego | CA | 14 | 44/100 |
| Charleston | SC | 12 | 43/100 |
| Nashville | TN | 12 | 42/100 |
| Sacramento | CA | 11 | 41/100 |
| Tacoma | WA | 11 | 43/100 |
| Tampa, FL | FL | 10 | 39/100 |

## Frequently Asked Questions

### What loan types does LADERA LENDING, INC. offer?

LADERA LENDING, INC. offers the following mortgage loan types: FHA, Conventional, VA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does LADERA LENDING, INC. offer mortgages?

LADERA LENDING, INC. offers mortgages in 21 states: AZ, CA, CO, FL, ID, IL, MA, MD, MN, NC, NJ, NM, NV, OR, PA, SC, TN, TX, UT, WA, WY.

### How competitive are LADERA LENDING, INC.'s mortgage rates?

LADERA LENDING, INC. has a pricing score of 12/100 (Mediocre), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.362% above market average.

### What type of lender is LADERA LENDING, INC.?

LADERA LENDING, INC. is a non-depository lender that specializes in mortgage origination, headquartered in Sacramento, CA.

### What is LADERA LENDING, INC.'s loan approval success rate?

LADERA LENDING, INC. has a pull-through score of 27/100 (Acceptable). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/ladera-lending

### How to Cite

> "LADERA LENDING, INC. Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/ladera-lending

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