Ladera Lending in California vs the state
3.1%Denial rate-14.34 pts vs state
7.8%Decision denial rate-14.57 pts vs state
35.6%Origination rate-20.64 pts vs state
7.06%Median rate+0.44 pts vs state
0.78Rate spread (pts)+0.50 pts vs state
$126kMedian applicant income
208Loans originated
18Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 856 | 251 | 4.7% | 6.63% | #149 |
| 2024 | 687 | 229 | 5.8% | 6.88% | #204 |
| 2025 | 585 | 208 | 3.1% | 7.06% | #242 |
What Ladera Lending lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Ladera Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 104 | 38 | 5 | 4.8% |
| Orange County | 72 | 39 | 0 | 0.0% |
| Riverside County | 63 | 27 | 1 | 1.6% |
| San Bernardino County | 44 | 8 | 5 | 11.4% |
| San Diego County | 32 | 14 | 0 | 0.0% |
| Sacramento County | 24 | 6 | 1 | 4.2% |
| Alameda County | 24 | 11 | 1 | 4.2% |
| San Joaquin County | 18 | 6 | 1 | 5.6% |
| Santa Clara County | 16 | 4 | 0 | 0.0% |
| Contra Costa County | 16 | 6 | 0 | 0.0% |
Other large lenders in California
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 79,261 | 12.6% | 6.49% |
| Rocket Mortgage | C | 58,925 | 17.6% | 6.75% |
| Bank of America | F | 40,190 | 30.8% | 5.99% |
| U.S. Bank | D | 32,493 | 31.6% | 6.50% |
| JPMorgan Chase Bank | B | 22,048 | 9.7% | 6.13% |
| Spring Eq | D | 21,601 | 50.8% | 8.88% |
| Schoolsfirst | A | 19,086 | 10.0% | 6.25% |
| Pennymac Loan Services | C | 18,754 | 13.5% | 6.50% |
| Newrez | D | 17,000 | 19.3% | 6.63% |
| Loandepot.Com | D | 16,645 | 18.7% | 6.63% |
Frequently asked questions
California: 585 applications in 2025, of which 208 were originated and 18 denied.
3.1% of all applications, or 7.8% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Ladera Lending originated in California in 2025 was 7.06%, against a statewide median of 6.63%.
About this data. Figures are Ladera Lending's own HMDA filing for properties located in California, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology