Ladera Lending in Washington vs the state
2.5%Denial rate-13.11 pts vs state
9.1%Decision denial rate-10.45 pts vs state
25.4%Origination rate-35.64 pts vs state
7.06%Median rate+0.43 pts vs state
0.71Rate spread (pts)+0.52 pts vs state
$94kMedian applicant income
30Loans originated
3Denied
Trend in Washington
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 180 | 47 | 6.1% | 7.13% | #166 |
| 2024 | 198 | 58 | 3.0% | 6.69% | #171 |
| 2025 | 118 | 30 | 2.5% | 7.06% | #227 |
What Ladera Lending lends in Washington
By loan purpose
By loan type
Why it denied Washington applicants
Where in Washington
Counties with the most Ladera Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| King County | 22 | 2 | 2 | 9.1% |
| Pierce County | 21 | 8 | 1 | 4.8% |
| Thurston County | 14 | 1 | 0 | 0.0% |
| Snohomish County | 12 | 7 | 0 | 0.0% |
| Clark County | 7 | 1 | 0 | 0.0% |
| Cowlitz County | 5 | 1 | 0 | 0.0% |
| Kitsap County | 4 | 1 | 0 | 0.0% |
| Benton County | 4 | 2 | 0 | 0.0% |
| Grant County | 4 | 0 | 0 | 0.0% |
| Asotin County | 4 | 2 | 0 | 0.0% |
Other large lenders in Washington
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Boeing Employees Credit Union | B | 21,599 | 23.8% | 6.13% |
| Rocket Mortgage | C | 14,301 | 15.9% | 6.63% |
| United Shore Financial Services | B | 13,770 | 10.0% | 6.13% |
| Guild Mortgage | A | 8,056 | 3.4% | 6.63% |
| CMG Mortgage | A | 7,817 | 3.1% | 6.63% |
| Movement Mortgage | A | 7,472 | 3.6% | 6.63% |
| Bank of America | F | 6,986 | 27.0% | 5.99% |
| Crosscountry Mortgage | B | 6,903 | 3.1% | 6.63% |
| U.S. Bank | D | 6,568 | 27.6% | 6.63% |
| Newrez | D | 5,849 | 12.9% | 6.63% |
Frequently asked questions
Washington: 118 applications in 2025, of which 30 were originated and 3 denied.
2.5% of all applications, or 9.1% of the applications it actually decided on. The Washington statewide average across all lenders was 15.7%.
The median rate on loans Ladera Lending originated in Washington 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 Washington, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology