Ladera Lending in New Jersey vs the state
3.1%Denial rate-14.63 pts vs state
8.7%Decision denial rate-14.35 pts vs state
30.6%Origination rate-25.07 pts vs state
6.88%Median rate+0.13 pts vs state
0.51Rate spread (pts)+0.22 pts vs state
$120kMedian applicant income
60Loans originated
6Denied
Trend in New Jersey
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 56 | 10 | 3.6% | 7.25% | #320 |
| 2024 | 212 | 58 | 6.6% | 6.75% | #187 |
| 2025 | 196 | 60 | 3.1% | 6.88% | #200 |
What Ladera Lending lends in New Jersey
By loan purpose
By loan type
Why it denied New Jersey applicants
Where in New Jersey
Counties with the most Ladera Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Bergen County | 22 | 11 | 0 | 0.0% |
| Monmouth County | 22 | 7 | 3 | 13.6% |
| Ocean County | 16 | 4 | 0 | 0.0% |
| Burlington County | 15 | 5 | 0 | 0.0% |
| Middlesex County | 15 | 5 | 0 | 0.0% |
| Camden County | 13 | 1 | 0 | 0.0% |
| Essex County | 13 | 1 | 1 | 7.7% |
| Atlantic County | 12 | 5 | 0 | 0.0% |
| Passaic County | 11 | 2 | 1 | 9.1% |
| Union County | 11 | 2 | 0 | 0.0% |
Other large lenders in New Jersey
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 16,339 | 16.1% | 6.75% |
| TD Bank | D | 12,532 | 26.2% | 7.49% |
| Bank of America | F | 12,142 | 30.6% | 6.00% |
| Citizens Bank | C | 12,113 | 28.9% | 7.40% |
| Crosscountry Mortgage | B | 12,042 | 5.3% | 6.75% |
| PNC Bank | D | 10,815 | 27.8% | 7.75% |
| United Shore Financial Services | B | 10,552 | 15.3% | 6.38% |
| Guaranteed Rate | B | 8,643 | 5.5% | 6.58% |
| Newrez | D | 6,535 | 22.5% | 6.99% |
| Loandepot.Com | D | 6,491 | 15.3% | 6.63% |
Frequently asked questions
New Jersey: 196 applications in 2025, of which 60 were originated and 6 denied.
3.1% of all applications, or 8.7% of the applications it actually decided on. The New Jersey statewide average across all lenders was 17.7%.
The median rate on loans Ladera Lending originated in New Jersey in 2025 was 6.88%, against a statewide median of 6.75%.
About this data. Figures are Ladera Lending's own HMDA filing for properties located in New Jersey, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology