Ladera Lending, Inc. mortgage approval rate & lending review
Ladera Lending, Inc. decided 2,658 mortgage applications and funded 2,264 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Ladera Lending, Inc. reported under the Home Mortgage Disclosure Act, not its advertised interest rates. For current rates and applications go to laderalending.com.
Ladera Lending, Inc. at a glance
Approval is 9.4 points above the 77.4% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 95% | 172 / 181 | 99% | $515K | 171 |
| Refinance | 87% | 1,990 / 2,298 | 98% | $245K | 1,952 |
| Investment property purchase | 94% | 30 / 32 | 100% | $265K | 30 |
| Investment refinance | 78% | 115 / 147 | 97% | $215K | 111 |
Ladera Lending, Inc. lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| California | 88% | $315K | 770 | 664 |
| Florida | 82% | $255K | 334 | 271 |
| Arizona | 85% | $225K | 227 | 188 |
| Nevada | 87% | $215K | 204 | 174 |
| New Jersey | 85% | $245K | 149 | 123 |
| Washington | 87% | $295K | 134 | 116 |
| North Carolina | 88% | $205K | 121 | 107 |
| Texas | 90% | $205K | 101 | 82 |
| Illinois | 84% | $195K | 94 | 78 |
| Tennessee | 86% | $225K | 92 | 78 |
| South Carolina | 91% | $185K | 90 | 80 |
| Massachusetts | 89% | $285K | 83 | 73 |
| Oregon | 93% | $225K | 67 | 61 |
| Colorado | 94% | $265K | 63 | 59 |
| Maryland | 81% | $445K | 36 | 28 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Ladera Lending, Inc. lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Maricopa County, AZ | Refinance | 83% | 124 | 101 |
| Riverside County, CA | Refinance | 90% | 88 | 76 |
| Orange County, CA | Refinance | 89% | 66 | 58 |
| San Bernardino County, CA | Refinance | 85% | 60 | 51 |
| Pierce County, WA | Refinance | 88% | 34 | 30 |
| Sacramento County, CA | Refinance | 86% | 28 | 24 |
| Washoe County, NV | Refinance | 86% | 28 | 24 |
| Pima County, AZ | Refinance | 92% | 25 | 22 |
| San Joaquin County, CA | Refinance | 92% | 24 | 22 |
The county markets where Ladera Lending, Inc. made the most loans. Each link opens that market with every lender ranked.
Questions about Ladera Lending, Inc.
What is Ladera Lending, Inc.'s mortgage approval rate?
Ladera Lending, Inc. approved 86.8% of the 2,658 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 9.4 points above the 77.4% national rate for the same mix of loan types.
How often do borrowers take the loan Ladera Lending, Inc. offers?
Borrowers accepted 98% of the loans Ladera Lending, Inc. approved, against 93% for all mortgage refinance lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Ladera Lending, Inc. make?
The typical mortgage refinance loan Ladera Lending, Inc. made was $245K; across all loan types its typical loan ran from $215K to $515K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Ladera Lending, Inc. lend?
Ladera Lending, Inc. decided applications in 20 of the states Fat Boy Data covers, most of them in California, Florida and Arizona.
Can I apply to Ladera Lending, Inc. directly?
Yes. Ladera Lending, Inc. reports as a direct lender that takes applications from borrowers. Its website is laderalending.com.
Does this page show Ladera Lending, Inc.'s interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Ladera Lending, Inc. treats applications, then get a rate quote from the lender.