Ladera Lending
We analyzed every closed loan from Ladera Lending — 685 loans across 2k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Mediocre
1/5
vs. all lenders
Pull-through
Acceptable
2/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA
Place
Sound
3/5
Multi-Region · 12 mkts
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 performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Mediocre
+36.2 bps above market avg
Pull Through
Closing strength
Acceptable
Bottom 40% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Top 60% of lenders
FHA
Strong
Top 40% of lenders
VA
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Acceptable
Bottom 40% of lenders
Refinance
Strong
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 13 markets
Sound
Top 60% of lenders
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 362 | 52.8% | +0.485%Above | $3,390Fees | ||||
FHA Loans | 218 | 31.8% | +0.387%Above | $4,133Fees | ||||
VA Loans | 98 | 14.3% | -0.200%Below | $4,042Fees |
Conventional
OverallAcceptable
ProductSound
PricingMediocre
Pull ThroughMediocre
Volume362
Mix52.8%
Spread
+0.485%Above
Fees
$3,390Fees
FHA Loans
OverallAcceptable
ProductStrong
PricingMediocre
Pull ThroughAcceptable
Volume218
Mix31.8%
Spread
+0.387%Above
Fees
$4,133Fees
VA Loans
OverallSound
ProductStrong
PricingMediocre
Pull ThroughSound
Volume98
Mix14.3%
Spread
-0.200%Below
Fees
$4,042Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 57 | 8.3% | +0.351%Above | $3,056Fees | ||||
Refinance | 628 | 91.7% | +0.363%Above | $3,727Fees |
Purchase
OverallAcceptable
ProductAcceptable
PricingAcceptable
Pull ThroughMediocre
Volume57
Mix8.3%
Spread
+0.351%Above
Fees
$3,056Fees
Refinance
OverallAcceptable
ProductStrong
PricingMediocre
Pull ThroughAcceptable
Volume628
Mix91.7%
Spread
+0.363%Above
Fees
$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
12
markets with activity
States Served
21
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
21Northeast3
MANJPA
Midwest2
ILMN
South6
FLMDNCSCTNTX
West10
AZCACOIDNMNVORUTWAWY
Top Metro Areas by Place Specialization Score
Volume 44Mix 6.42% of portfolio
60/100
Sound
Volume 27Mix 3.94% of portfolio
54/100
Sound
Volume 34Mix 4.96% of portfolio
52/100
Sound
Volume 31Mix 4.53% of portfolio
52/100
Sound
Volume 27Mix 3.94% of portfolio
51/100
Sound
Volume 20Mix 2.92% of portfolio
46/100
Sound
Volume 14Mix 2.04% of portfolio
44/100
Sound
Volume 12Mix 1.75% of portfolio
43/100
Sound
Volume 11Mix 1.61% of portfolio
43/100
Sound
Volume 12Mix 1.75% of portfolio
42/100
SoundShowing 10 of 12 metro areas
Top States by Place Specialization Score
1
CaliforniaState
Volume 157Mix 22.92% of portfolio
63/100
Strong2
NevadaState
Volume 52Mix 7.59% of portfolio
61/100
Strong3
ArizonaState
Volume 58Mix 8.47% of portfolio
58/100
Sound4
New JerseyState
Volume 47Mix 6.86% of portfolio
56/100
Sound5
FloridaState
Volume 80Mix 11.68% of portfolio
55/100
Sound6
WashingtonState
Volume 40Mix 5.84% of portfolio
55/100
Sound7
South CarolinaState
Volume 37Mix 5.40% of portfolio
54/100
Sound8
TennesseeState
Volume 41Mix 5.99% of portfolio
53/100
Sound9
MassachusettsState
Volume 29Mix 4.23% of portfolio
50/100
Sound10
North CarolinaState
Volume 32Mix 4.67% of portfolio
48/100
SoundShowing 10 of 14 states
How We Rank Lenders
Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.
Our Point System (Max 30 Points)
10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
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 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
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.