Ladera Lending, Inc. Mortgage Lending & HMDA Data, 2025
In 2025, Ladera Lending, Inc. of Ladera Ranch, CA reported 2,371 mortgage applications totaling $608.7 million, down 21% from 2024. The average application was for $256,727, and applicants reported an average income of $130,126. 31% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Las Vegas-Henderson-Paradise, NV (132), Phoenix-Mesa-Scottsdale, AZ (113) and Riverside-San Bernardino-Ontario, CA (107) (applications in parentheses).
| Mortgage Company & Address | Ladera Lending, Inc. 555 Corporate Drive Suite 215 Ladera Ranch, CA 92694 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 |
| Total Number of Mortgage Applications | 2,371 |
| Total Mortgage Loan Application Amount | $608,700,000 |
| Average Mortgage Loan Application Amount | $256,727 |
| Highest Mortgage Loan Application Amount | $3,505,000 |
| Average Applicant Income | $130,126 |
| Highest Applicant Income | $2,832,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Ladera Lending, Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Outside any metro area | 220 | $ 42,630,000 | $ 193,772 | $ 107,872 |
| Las Vegas-Henderson-Paradise, NV | 132 | $ 26,900,000 | $ 203,787 | $ 100,000 |
| Phoenix-Mesa-Scottsdale, AZ | 113 | $ 23,825,000 | $ 210,840 | $ 103,000 |
| Riverside-San Bernardino-Ontario, CA | 107 | $ 25,055,000 | $ 234,158 | $ 123,000 |
| Los Angeles-Long Beach-Glendale, CA | 104 | $ 31,850,000 | $ 306,250 | $ 139,000 |
| Chicago-Naperville, IL | 86 | $ 15,120,000 | $ 175,813 | $ 116,000 |
| Dallas-Plano-Irving, TX | 78 | $ 18,570,000 | $ 238,076 | $ 131,000 |
| Houston-The Woodlands-Sugar Land, TX | 75 | $ 17,335,000 | $ 231,133 | $ 119,000 |
| Anaheim-Santa Ana-Irvine, CA | 72 | $ 64,700,000 | $ 898,611 | $ 404,000 |
| Lakewood-New Brunswick, NJ | 57 | $ 13,725,000 | $ 240,789 | $ 136,000 |
| Charlotte-Concord-Gastonia, NC-SC | 45 | $ 9,745,000 | $ 216,555 | $ 102,622 |
| Newark, NJ-PA | 44 | $ 9,910,000 | $ 225,227 | $ 135,000 |
| Oakland-Hayward-Berkeley, CA | 40 | $ 14,510,000 | $ 362,750 | $ 152,000 |
| Fort Worth-Arlington, TX | 38 | $ 7,980,000 | $ 210,000 | $ 100,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 38 | $ 9,740,000 | $ 256,315 | $ 151,000 |
| New York-Jersey City-White Plains, NY-NJ | 37 | $ 11,095,000 | $ 299,864 | $ 162,000 |
| Camden, NJ | 34 | $ 7,030,000 | $ 206,764 | $ 103,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 32 | $ 7,690,000 | $ 240,312 | $ 119,843 |
| San Diego-Carlsbad, CA | 32 | $ 13,910,000 | $ 434,687 | $ 162,000 |
| San Antonio-New Braunfels, TX | 30 | $ 6,670,000 | $ 222,333 | $ 131,000 |
| Denver-Aurora-Lakewood, CO | 29 | $ 7,595,000 | $ 261,896 | $ 126,000 |
| Austin-Round Rock, TX | 27 | $ 8,325,000 | $ 308,333 | $ 128,000 |
| Reno, NV | 27 | $ 4,355,000 | $ 161,296 | $ 93,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 25 | $ 7,310,000 | $ 292,400 | $ 189,000 |
| Tucson, AZ | 24 | $ 4,780,000 | $ 199,166 | $ 86,000 |
| Seattle-Bellevue-Everett, WA | 22 | $ 6,530,000 | $ 296,818 | $ 121,000 |
| Tacoma-Lakewood, WA | 21 | $ 4,425,000 | $ 210,714 | $ 98,000 |
| Baltimore-Columbia-Towson, MD | 18 | $ 3,670,000 | $ 203,888 | $ 81,000 |
| Stockton-Lodi, CA | 18 | $ 3,610,000 | $ 200,555 | $ 113,000 |
| Raleigh, NC | 17 | $ 3,765,000 | $ 221,470 | $ 138,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 16 | $ 6,370,000 | $ 398,125 | $ 227,000 |
| Atlantic City-Hammonton, NJ | 15 | $ 3,465,000 | $ 231,000 | $ 132,000 |
| Boston, MA | 14 | $ 6,810,000 | $ 486,428 | $ 260,000 |
| Greenville-Anderson-Mauldin, SC | 14 | $ 2,260,000 | $ 161,428 | $ 107,000 |
| Olympia-Tumwater, WA | 14 | $ 3,280,000 | $ 234,285 | $ 105,000 |
| Fresno, CA | 13 | $ 2,065,000 | $ 158,846 | $ 104,000 |
| Orlando-Kissimmee-Sanford, FL | 13 | $ 3,195,000 | $ 245,769 | $ 115,000 |
| Cambridge-Newton-Framingham, MA | 12 | $ 2,960,000 | $ 246,666 | $ 86,000 |
| Charleston-North Charleston, SC | 12 | $ 2,530,000 | $ 210,833 | $ 87,000 |
| Everett, WA | 12 | $ 3,940,000 | $ 328,333 | $ 125,000 |
| Modesto, CA | 12 | $ 2,630,000 | $ 219,166 | $ 129,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 12 | $ 1,900,000 | $ 158,333 | $ 82,000 |
| Colorado Springs, CO | 11 | $ 2,455,000 | $ 223,181 | $ 100,000 |
| San Francisco-Redwood City-South San Francisco, CA | 11 | $ 3,975,000 | $ 361,363 | $ 166,000 |
| Cape Coral-Fort Myers, FL | 10 | $ 3,180,000 | $ 318,000 | $ 167,000 |
| Columbia, SC | 10 | $ 1,260,000 | $ 126,000 | $ 127,000 |
| Killeen-Temple, TX | 10 | $ 2,090,000 | $ 209,000 | $ 114,000 |
| Lake County-Kenosha County, IL-WI | 10 | $ 2,050,000 | $ 205,000 | $ 104,000 |
| Elgin, IL | 9 | $ 1,935,000 | $ 215,000 | $ 118,000 |
| Knoxville, TN | 9 | $ 1,335,000 | $ 148,333 | $ 130,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 9 | $ 1,545,000 | $ 171,666 | $ 164,000 |
| Santa Maria-Santa Barbara, CA | 9 | $ 2,235,000 | $ 248,333 | $ 129,000 |
| Tampa, FL | 9 | $ 2,355,000 | $ 261,666 | $ 101,000 |
| Albuquerque, NM | 8 | $ 1,020,000 | $ 127,500 | $ 62,000 |
| El Paso, TX | 8 | $ 1,590,000 | $ 198,750 | $ 99,000 |
| Lake Havasu City-Kingman, AZ | 8 | $ 1,600,000 | $ 200,000 | $ 173,000 |
| Santa Cruz-Watsonville, CA | 8 | $ 2,170,000 | $ 271,250 | $ 169,000 |
| Winston-Salem, NC | 8 | $ 1,120,000 | $ 140,000 | $ 78,000 |
| Bakersfield, CA | 7 | $ 1,755,000 | $ 250,714 | $ 97,000 |
| Bend-Redmond, OR | 7 | $ 785,000 | $ 112,142 | $ 89,000 |
| Chico, CA | 7 | $ 2,845,000 | $ 406,428 | $ 320,000 |
| Corpus Christi, TX | 7 | $ 1,405,000 | $ 200,714 | $ 106,000 |
| Fayetteville, NC | 7 | $ 885,000 | $ 126,428 | $ 122,000 |
| McAllen-Edinburg-Mission, TX | 7 | $ 1,235,000 | $ 176,428 | $ 79,000 |
| St. Petersburg-Clearwater-Largo, FL | 7 | $ 1,755,000 | $ 250,714 | $ 117,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 7 | $ 2,635,000 | $ 376,428 | $ 142,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 6 | $ 2,870,000 | $ 478,333 | $ 163,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 6 | $ 1,630,000 | $ 271,666 | $ 100,000 |
| Kennewick-Richland, WA | 6 | $ 820,000 | $ 136,666 | $ 69,000 |
| Memphis, TN-MS-AR | 6 | $ 1,380,000 | $ 230,000 | $ 106,000 |
| Merced, CA | 6 | $ 1,650,000 | $ 275,000 | $ 91,000 |
| Ocala, FL | 6 | $ 2,200,000 | $ 366,666 | $ 182,000 |
| Port St. Lucie, FL | 6 | $ 1,390,000 | $ 231,666 | $ 87,000 |
| Prescott Valley-Prescott, AZ | 6 | $ 1,390,000 | $ 231,666 | $ 44,000 |
| Redding, CA | 6 | $ 640,000 | $ 106,666 | $ 66,000 |
| Salinas, CA | 6 | $ 1,780,000 | $ 296,666 | $ 132,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 6 | $ 1,800,000 | $ 300,000 | $ 108,000 |
| Spartanburg, SC | 6 | $ 1,040,000 | $ 173,333 | $ 75,000 |
| St. Louis, MO-IL | 6 | $ 1,200,000 | $ 200,000 | $ 190,000 |
| Trenton, NJ | 6 | $ 1,500,000 | $ 250,000 | $ 116,000 |
| Waco, TX | 6 | $ 1,260,000 | $ 210,000 | $ 100,000 |
| Washington, DC-MD | 6 | $ 1,990,000 | $ 331,666 | $ 144,000 |
| Washington-Baltimore-Arlington, DC | 6 | $ 1,130,000 | $ 188,333 | $ 81,000 |
| Wilmington, NC | 6 | $ 1,610,000 | $ 268,333 | $ 96,000 |
| Worcester, MA-CT | 6 | $ 2,390,000 | $ 398,333 | $ 234,000 |
| Augusta-Richmond County, GA-SC | 5 | $ 965,000 | $ 193,000 | $ 79,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 5 | $ 1,205,000 | $ 241,000 | $ 96,000 |
| Jacksonville, FL | 5 | $ 1,305,000 | $ 261,000 | $ 114,000 |
| Longview, WA | 5 | $ 1,045,000 | $ 209,000 | $ 76,000 |
| Miami-Miami Beach-Kendall, FL | 5 | $ 1,385,000 | $ 277,000 | $ 104,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 5 | $ 1,585,000 | $ 317,000 | $ 169,000 |
| Palm Bay-Melbourne-Titusville, FL | 5 | $ 945,000 | $ 189,000 | $ 103,000 |
| Spokane-Spokane Valley, WA | 5 | $ 705,000 | $ 141,000 | $ 81,000 |
| Vallejo-Fairfield, CA | 5 | $ 1,015,000 | $ 203,000 | $ 120,000 |
| Asheville, NC | 4 | $ 1,020,000 | $ 255,000 | $ 61,000 |
| Bremerton-Silverdale, WA | 4 | $ 1,310,000 | $ 327,500 | $ 111,000 |
| Chattanooga, TN-GA | 4 | $ 860,000 | $ 215,000 | $ 80,000 |
| Coeur D'Alene, ID | 4 | $ 480,000 | $ 120,000 | $ 111,000 |
| Durham-Chapel Hill, NC | 4 | $ 1,590,000 | $ 397,500 | $ 183,000 |
| Florence, SC | 4 | $ 850,000 | $ 212,500 | $ 76,000 |
| Lewiston, ID-WA | 4 | $ 780,000 | $ 195,000 | $ 103,000 |
| Lubbock, TX | 4 | $ 640,000 | $ 160,000 | $ 115,000 |
| Pensacola-Ferry Pass-Brent, FL | 4 | $ 650,000 | $ 162,500 | $ 113,000 |
| Providence-Warwick, RI-MA | 4 | $ 880,000 | $ 220,000 | $ 89,000 |
| Provo-Orem, UT | 4 | $ 1,510,000 | $ 377,500 | $ 85,000 |
| Salem, OR | 4 | $ 760,000 | $ 190,000 | $ 135,000 |
| Sebastian-Vero Beach, FL | 4 | $ 620,000 | $ 155,000 | $ 85,000 |
| Visalia-Porterville, CA | 4 | $ 690,000 | $ 172,500 | $ 55,000 |
| Abilene, TX | 3 | $ 455,000 | $ 151,666 | $ 105,000 |
| Boise City, ID | 3 | $ 695,000 | $ 231,666 | $ 114,000 |
| Boulder, CO | 3 | $ 505,000 | $ 168,333 | $ 30,000 |
| Brownsville-Harlingen, TX | 3 | $ 305,000 | $ 101,666 | $ 112,000 |
| Champaign-Urbana, IL | 3 | $ 505,000 | $ 168,333 | $ 152,000 |
| Clarksville, TN-KY | 3 | $ 465,000 | $ 155,000 | $ 234,000 |
| Eugene, OR | 3 | $ 295,000 | $ 98,333 | $ 68,000 |
| Greeley, CO | 3 | $ 615,000 | $ 205,000 | $ 153,000 |
| Jacksonville, NC | 3 | $ 595,000 | $ 198,333 | $ 85,000 |
| Johnson City, TN | 3 | $ 895,000 | $ 298,333 | $ 83,000 |
| Kankakee, IL | 3 | $ 375,000 | $ 125,000 | $ 74,000 |
| Lakeland-Winter Haven, FL | 3 | $ 295,000 | $ 98,333 | $ 66,000 |
| Lexington Park, MD | 3 | $ 1,735,000 | $ 578,333 | $ 108,000 |
| Medford, OR | 3 | $ 1,065,000 | $ 355,000 | $ 98,000 |
| Pittsburgh, PA | 3 | $ 1,155,000 | $ 385,000 | $ 139,000 |
| Salt Lake City, UT | 3 | $ 865,000 | $ 288,333 | $ 133,000 |
| San Rafael, CA | 3 | $ 4,275,000 | $ 1,425,000 | $ 444,000 |
| Santa Rosa, CA | 3 | $ 775,000 | $ 258,333 | $ 446,000 |
| Sebring, FL | 3 | $ 565,000 | $ 188,333 | $ 52,000 |
| Sherman-Denison, TX | 3 | $ 595,000 | $ 198,333 | $ 64,000 |
| Sierra Vista-Douglas, AZ | 3 | $ 465,000 | $ 155,000 | $ 102,000 |
| Springfield, IL | 3 | $ 815,000 | $ 271,666 | $ 110,000 |
| Tyler, TX | 3 | $ 505,000 | $ 168,333 | $ 46,000 |
| Wichita Falls, TX | 3 | $ 425,000 | $ 141,666 | $ 70,000 |
| Wildwood-The Villages, FL | 3 | $ 605,000 | $ 201,666 | $ 67,000 |
| Yuma, AZ | 3 | $ 295,000 | $ 98,333 | $ 61,000 |
| Amarillo, TX | 2 | $ 220,000 | $ 110,000 | $ 84,000 |
| Beaumont-Port Arthur, TX | 2 | $ 210,000 | $ 105,000 | $ 36,000 |
| Bellingham, WA | 2 | $ 860,000 | $ 430,000 | $ 214,000 |
| Fort Collins, CO | 2 | $ 1,210,000 | $ 605,000 | $ 130,000 |
| Gainesville, FL | 2 | $ 110,000 | $ 55,000 | $ 55,000 |
| Goldsboro, NC | 2 | $ 380,000 | $ 190,000 | $ 79,000 |
| Hanford-Corcoran, CA | 2 | $ 330,000 | $ 165,000 | $ 137,000 |
| Hickory-Lenoir-Morganton, NC | 2 | $ 550,000 | $ 275,000 | $ 209,000 |
| Idaho Falls, ID | 2 | $ 160,000 | $ 80,000 | $ 106,000 |
| Kingsport-Bristol-Bristol, TN-VA | 2 | $ 240,000 | $ 120,000 | $ 34,000 |
| Morristown, TN | 2 | $ 500,000 | $ 250,000 | $ 75,000 |
| Naples-Immokalee-Marco Island, FL | 2 | $ 760,000 | $ 380,000 | $ 204,000 |
| North Port-Sarasota-Bradenton, FL | 2 | $ 190,000 | $ 95,000 | $ 85,000 |
| Philadelphia, PA | 2 | $ 500,000 | $ 250,000 | $ 19,000 |
| Pueblo, CO | 2 | $ 570,000 | $ 285,000 | $ 139,000 |
| Rockford, IL | 2 | $ 210,000 | $ 105,000 | $ 152,000 |
| Salisbury, MD-DE | 2 | $ 300,000 | $ 150,000 | $ 41,000 |
| Springfield, MA | 2 | $ 270,000 | $ 135,000 | $ 58,000 |
| Vineland-Bridgeton, NJ | 2 | $ 720,000 | $ 360,000 | $ 80,000 |
| Albany, OR | 1 | $ 205,000 | $ 205,000 | $ 66,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 1 | $ 545,000 | $ 545,000 | $ 172,000 |
| Amherst Town-Northampton, MA | 1 | $ 315,000 | $ 315,000 | $ 0 |
| Barnstable Town, MA | 1 | $ 775,000 | $ 775,000 | $ 2,825,000 |
| Bloomington, IL | 1 | $ 65,000 | $ 65,000 | $ 42,000 |
| Carson City, NV | 1 | $ 105,000 | $ 105,000 | $ 97,000 |
| Cleveland, TN | 1 | $ 135,000 | $ 135,000 | $ 30,000 |
| College Station-Bryan, TX | 1 | $ 175,000 | $ 175,000 | $ 51,000 |
| Crestview-Fort Walton Beach-Destin, FL | 1 | $ 355,000 | $ 355,000 | $ 115,000 |
| Davenport-Moline-Rock Island, IA-IL | 1 | $ 75,000 | $ 75,000 | $ 147,000 |
| Duluth, MN-WI | 1 | $ 65,000 | $ 65,000 | $ 15,000 |
| Gettysburg, PA | 1 | $ 245,000 | $ 245,000 | $ 81,000 |
| Grand Junction, CO | 1 | $ 335,000 | $ 335,000 | $ 104,000 |
| Greenville, NC | 1 | $ 155,000 | $ 155,000 | $ 118,000 |
| Hagerstown-Martinsburg, MD-WV | 1 | $ 105,000 | $ 105,000 | $ 149,000 |
| Harrisburg-Carlisle, PA | 1 | $ 55,000 | $ 55,000 | $ 65,000 |
| Jackson, TN | 1 | $ 185,000 | $ 185,000 | $ 50,000 |
| Midland, TX | 1 | $ 205,000 | $ 205,000 | $ 115,000 |
| Montgomery County-Bucks County-Chester County, PA | 1 | $ 365,000 | $ 365,000 | $ 143,000 |
| Mount Vernon-Anacortes, WA | 1 | $ 125,000 | $ 125,000 | $ 96,000 |
| Napa, CA | 1 | $ 555,000 | $ 555,000 | $ 132,000 |
| Ogden-Clearfield, UT | 1 | $ 555,000 | $ 555,000 | $ 185,000 |
| Panama City, FL | 1 | $ 285,000 | $ 285,000 | $ 108,000 |
| Pittsfield, MA | 1 | $ 335,000 | $ 335,000 | $ 113,000 |
| Pocatello, ID | 1 | $ 105,000 | $ 105,000 | $ 105,000 |
| Reading, PA | 1 | $ 105,000 | $ 105,000 | $ 73,000 |
| Rocky Mount, NC | 1 | $ 95,000 | $ 95,000 | $ 0 |
| San Angelo, TX | 1 | $ 115,000 | $ 115,000 | $ 72,000 |
| St. George, UT | 1 | $ 315,000 | $ 315,000 | $ 0 |
| Sumter, SC | 1 | $ 195,000 | $ 195,000 | $ 60,000 |
| Twin Falls, ID | 1 | $ 255,000 | $ 255,000 | $ 54,000 |
| Victoria, TX | 1 | $ 195,000 | $ 195,000 | $ 72,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 1 | $ 75,000 | $ 75,000 | $ 150,000 |
| Wenatchee, WA | 1 | $ 645,000 | $ 645,000 | $ 230,000 |
| Wilmington, DE-MD-NJ | 1 | $ 105,000 | $ 105,000 | $ 38,000 |
| Yakima, WA | 1 | $ 305,000 | $ 305,000 | $ 69,000 |
Mortgage Loan Application Detail Totals for Ladera Lending, Inc. in 2025
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Refinancing | 2,268 | $545,115,000 | $240,000 | $3,505,000 | $125,000 | $2,832,000 |
| Home Purchase | 103 | $63,585,000 | $617,000 | $3,505,000 | $243,000 | $2,825,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 0 | $0 | $0 | $0 | $0 | $0 |
| Cash-out Refinancing | 0 | $0 | $0 | $0 | $0 | $0 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 1,767 | $451,100,000 | $255,000 | $3,505,000 | $134,000 | $2,832,000 |
| Hispanic | 253 | $53,905,000 | $213,000 | $835,000 | $105,000 | $526,000 |
| Black or African American | 157 | $39,505,000 | $251,000 | $815,000 | $110,000 | $372,000 |
| Asian | 106 | $38,080,000 | $359,000 | $3,005,000 | $166,000 | $1,000,000 |
| Not Provided | 75 | $20,745,000 | $276,000 | $955,000 | $104,000 | $350,000 |
| Native Hawaiian or Other Pacific Islander | 8 | $2,610,000 | $326,000 | $535,000 | $89,000 | $115,000 |
| American Indian or Alaskan Native | 5 | $2,755,000 | $551,000 | $1,905,000 | $150,000 | $285,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 1,869 | $451,490,000 | $241,000 | $3,505,000 | $138,000 | $2,832,000 |
| FHA-insured (Federal Housing Administration) | 374 | $104,830,000 | $280,000 | $1,065,000 | $99,000 | $318,000 |
| VA-guaranteed (Veterans Administration) | 128 | $52,380,000 | $409,000 | $2,205,000 | $105,000 | $507,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Application Withdrawn By Applicant | 1,529 | $351,940,000 | $230,000 | $3,505,000 | $117,000 | $2,825,000 |
| Loan Originated | 742 | $229,420,000 | $309,000 | $3,505,000 | $155,000 | $2,832,000 |
| Application Denied By Financial Institution | 72 | $18,300,000 | $254,000 | $945,000 | $98,000 | $459,000 |
| Application Approved But Not Accepted | 26 | $8,620,000 | $331,000 | $805,000 | $234,000 | $2,825,000 |
| File Closed For Incompleteness | 2 | $420,000 | $210,000 | $215,000 | $88,000 | $130,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 2,299 | $590,400,000 | $256,000 | $3,505,000 | $131,000 | $2,832,000 |
| Collateral | 25 | $5,615,000 | $224,000 | $805,000 | $107,000 | $459,000 |
| Debt-To-Income Ratio | 18 | $5,290,000 | $293,000 | $635,000 | $92,000 | $170,000 |
| Credit History | 12 | $2,290,000 | $190,000 | $615,000 | $80,000 | $165,000 |
| Other | 11 | $3,575,000 | $325,000 | $945,000 | $106,000 | $260,000 |
| Unverifiable Information | 3 | $735,000 | $245,000 | $465,000 | $89,000 | $108,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $730,000 | $365,000 | $485,000 | $110,000 | $140,000 |
| Employment History | 1 | $65,000 | $65,000 | $65,000 | $96,000 | $96,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Ladera Lending, Inc.'s 2025 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Ladera Lending, Inc.'s mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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