Ladera Lending in Texas vs the state
2.6%Denial rate-16.80 pts vs state
9.3%Decision denial rate-15.62 pts vs state
23.1%Origination rate-31.78 pts vs state
6.99%Median rate+0.49 pts vs state
0.52Rate spread (pts)+0.33 pts vs state
$95kMedian applicant income
79Loans originated
9Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 40 | 13 | 5.0% | 6.50% | #752 |
| 2024 | 24 | 8 | 0.0% | 6.69% | #830 |
| 2025 | 342 | 79 | 2.6% | 6.99% | #318 |
What Ladera Lending lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Ladera Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Harris County | 40 | 10 | 1 | 2.5% |
| Dallas County | 30 | 7 | 1 | 3.3% |
| Tarrant County | 26 | 11 | 0 | 0.0% |
| Bexar County | 23 | 4 | 0 | 0.0% |
| Collin County | 19 | 6 | 0 | 0.0% |
| Travis County | 15 | 2 | 1 | 6.7% |
| Denton County | 14 | 2 | 0 | 0.0% |
| Fort Bend County | 13 | 0 | 1 | 7.7% |
| Galveston County | 9 | 2 | 2 | 22.2% |
| Williamson County | 9 | 2 | 0 | 0.0% |
Other large lenders in Texas
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 56,491 | 11.0% | 6.25% |
| Rocket Mortgage | C | 45,658 | 22.4% | 6.63% |
| 21st Mortgage | F | 37,961 | 45.9% | 9.94% |
| Dhi Mortgage Company | B | 26,348 | 13.5% | 4.50% |
| Lennar Mortgage | A | 21,959 | 20.5% | 4.50% |
| Bank of America | F | 18,008 | 43.0% | 6.24% |
| JPMorgan Chase Bank | B | 16,260 | 9.8% | 6.45% |
| CMG Mortgage | A | 15,978 | 3.9% | 6.50% |
| Vanderbilt Mortgage and Finance | F | 15,683 | 44.7% | 10.50% |
| Triad Financial Services | D | 15,158 | 50.0% | 9.35% |
Frequently asked questions
Texas: 342 applications in 2025, of which 79 were originated and 9 denied.
2.6% of all applications, or 9.3% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Ladera Lending originated in Texas in 2025 was 6.99%, against a statewide median of 6.50%.
About this data. Figures are Ladera Lending's own HMDA filing for properties located in Texas, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology