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LADERA LENDING, INC.
Independent Mortgage Company|Sacramento, CA|Multi-Region
Loans Originated
685
Applications
2,223
Volume
$241 million
Offers loans directly to consumers
Overall Pricing
Mediocre
Overall Pull Through
Acceptable
Pricing and Pullthrough Overview
Average Rate Spread
+0.362%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$3,657
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
30.8%
Percentage of applications that result in closed loans
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
Report Card
LADERA LENDING, INC. performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Mediocre | Below peers | |
Pull Through Closing Strength | Acceptable | Near industry average | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Sound | Industry Standard | |
FHA | Strong | Highly Competitive | |
VA | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Acceptable | Near industry average | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Sound | Multi-Regional · 13 metro areas · 21 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$352,474
Average Borrower Income
$130,610
Average Property Value
$588,839
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% | $3,390 |
FHA Loans | Acceptable | Strong | Mediocre | Acceptable | 218 | 31.8% | +0.387% | $4,133 |
VA Loans | Acceptable | Strong | Mediocre | Sound | 98 | 14.3% | -0.200% | $4,042 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Acceptable | Acceptable | Acceptable | Mediocre | 57 | 8.3% | +0.351% | $3,056 |
Refinance | Acceptable | Strong | Mediocre | Acceptable | 628 | 91.7% | +0.363% | $3,727 |
Geographic Coverage
Metro Areas
12
States Served
21
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
AZCACOFLIDILMAMDMNNCNJNMNVORPASCTNTXUTWAWY
Top Metro Areas by Place Specialization Score
1
Las Vegas, NVMSA
Volume: 44Mix: 6.42%
Place Specialization
Sound
2
Anaheim, CAMSA
Volume: 27Mix: 3.94%
Place Specialization
Sound
3
Phoenix, AZMSA
Volume: 34Mix: 4.96%
Place Specialization
Sound
4
Los Angeles, CAMSA
Volume: 31Mix: 4.53%
Place Specialization
Sound
5
Riverside, CAMSA
Volume: 27Mix: 3.94%
Place Specialization
Sound
6
Chicago, ILMSA
Volume: 20Mix: 2.92%
Place Specialization
Sound
7
San Diego, CAMSA
Volume: 14Mix: 2.04%
Place Specialization
Sound
8
Charleston, SCMSA
Volume: 12Mix: 1.75%
Place Specialization
Sound
9
Tacoma, WAMSA
Volume: 11Mix: 1.61%
Place Specialization
Sound
10
Nashville, TNMSA
Volume: 12Mix: 1.75%
Place Specialization
Sound
Showing 10 of 12 metro areas
Top States by Place Specialization Score
1
CAState
Volume: 157Mix: 22.92%
Place Specialization
Strong
2
NVState
Volume: 52Mix: 7.59%
Place Specialization
Strong
3
AZState
Volume: 58Mix: 8.47%
Place Specialization
Sound
4
NJState
Volume: 47Mix: 6.86%
Place Specialization
Sound
5
FLState
Volume: 80Mix: 11.68%
Place Specialization
Sound
6
WAState
Volume: 40Mix: 5.84%
Place Specialization
Sound
7
SCState
Volume: 37Mix: 5.40%
Place Specialization
Sound
8
TNState
Volume: 41Mix: 5.99%
Place Specialization
Sound
9
MAState
Volume: 29Mix: 4.23%
Place Specialization
Sound
10
NCState
Volume: 32Mix: 4.67%
Place Specialization
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)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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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