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 score and performance metrics.

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 an overall pricing score of 12.1/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is LADERA LENDING, INC.?

LADERA LENDING, INC. is a Independent Mortgage Company headquartered in Sacramento, CA.

Unclaimed

Ladera Lending, Inc.

Independent Mortgage Company•Sacramento, CA•Direct to Consumer

We analyzed every closed loan from Ladera Lending — 685 loans across 2k applications— and benchmarked them against peer lenders across the 4 Ps of Mortgage Shopping.

Pricing

Mediocre

vs. all lenders

Pull Through

Acceptable

closing strength

Products

Strong

FHA · Conventional · VA

Place

Sound

Multi-Region · 12 mkts

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Safe Rate's Summary

What They Do Well

Particularly strong in FHA and VA loans

Things to Think About

Pricing may be below industry average
Pull through efficiency is below industry average

Explore another lender or local market

Report Card

Ladera Lending, Inc. performance at a glance

Category	Score	vs. Peers
Overall Performance· Pricing & closing strength
Pricing Rate competitiveness	Mediocre	Below peers +36.2 bps above market avg
Pull Through Closing strength	Acceptable	Near industry average Bottom 40% of lenders
By Loan Product· Specialization by type
Conventional	Sound	Industry Standard Top 60% of lenders
FHA	Strong	Highly Competitive Top 40% of lenders
VA	Strong	Highly Competitive Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase	Acceptable	Near industry average Bottom 40% of lenders
Refinance	Strong	Highly Competitive Top 40% of lenders
By Location· Geographic coverage
Geographic Reach Coverage footprint	Sound	Industry Standard Top 60% of lenders Multi-Regional13 markets

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Mediocre	Sound	Mediocre	Mediocre	362	52.8%	+0.485%Above	$3,390Fees
FHA Loans	Acceptable	Strong	Mediocre	Acceptable	218	31.8%	+0.387%Above	$4,133Fees
VA Loans	Acceptable	Strong	Mediocre	Sound	98	14.3%	-0.200%Below	$4,042Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Acceptable	Acceptable	Acceptable	Mediocre	57	8.3%	+0.351%Above	$3,056Fees
Refinance	Acceptable	Strong	Mediocre	Acceptable	628	91.7%	+0.363%Above	$3,727Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

685

Applications

2,223

Volume

$241 million

Pricing & Closing

Avg Rate Spread

+0.362%

vs. market APOR

Avg Net Fees

$3,657

Origination − Credits

Pullthrough Rate

30.8%

Applications → Closed

Typical Borrower

Avg Loan Amount

$352,474

Avg Borrower Income

$130,610

Avg Property Value

$588,839

Geographic Coverage

Geographic Performance

Metro Areas

States Served

We count Washington DC as a state

Avg Place Specialization

Sound

States with Loan Originations

AZCACOFLIDILMAMDMNNCNJNMNVORPASCTNTXUTWAWY

Top Metro Areas by Place Specialization Score

Las Vegas, NVMSA

Volume: 44Mix: 6.42%of portfolio

Place

Sound

Anaheim, CAMSA

Volume: 27Mix: 3.94%of portfolio

Place

Sound

Phoenix, AZMSA

Volume: 34Mix: 4.96%of portfolio

Place

Sound

Los Angeles, CAMSA

Volume: 31Mix: 4.53%of portfolio

Place

Sound

Riverside, CAMSA

Volume: 27Mix: 3.94%of portfolio

Place

Sound

Chicago, ILMSA

Volume: 20Mix: 2.92%of portfolio

Place

Sound

San Diego, CAMSA

Volume: 14Mix: 2.04%of portfolio

Place

Sound

Charleston, SCMSA

Volume: 12Mix: 1.75%of portfolio

Place

Sound

Tacoma, WAMSA

Volume: 11Mix: 1.61%of portfolio

Place

Sound

Nashville, TNMSA

Volume: 12Mix: 1.75%of portfolio

Place

Sound

Showing 10 of 12 metro areas

Top States by Place Specialization Score

CAState

Volume: 157Mix: 22.92%of portfolio

Place

Strong

NVState

Volume: 52Mix: 7.59%of portfolio

Place

Strong

AZState

Volume: 58Mix: 8.47%of portfolio

Place

Sound

NJState

Volume: 47Mix: 6.86%of portfolio

Place

Sound

FLState

Volume: 80Mix: 11.68%of portfolio

Place

Sound

WAState

Volume: 40Mix: 5.84%of portfolio

Place

Sound

SCState

Volume: 37Mix: 5.40%of portfolio

Place

Sound

TNState

Volume: 41Mix: 5.99%of portfolio

Place

Sound

MAState

Volume: 29Mix: 4.23%of portfolio

Place

Sound

NCState

Volume: 32Mix: 4.67%of portfolio

Place

Sound

Showing 10 of 14 states

How We Rank Lenders

Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.

Our Point System (Max 30 Points)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

Product

Specialization in the loan type (33%)

💎

Champion(80%+ = 24-30 points)

⭐

Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.