Ladera Lending, Inc. Mortgage Lending & HMDA Data, 2018
In 2018, Ladera Lending, Inc. of Ladera Ranch, CA reported 3,417 mortgage applications totaling $949.6 million, up 278% from 2017. The average application was for $277,911, and applicants reported an average income of $97,824. 34% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Riverside-San Bernardino-Ontario, CA (334), Los Angeles-Long Beach-Glendale, CA (273) and Phoenix-Mesa-Scottsdale, AZ (196) (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 | 3,417 |
| Total Mortgage Loan Application Amount | $949,625,000 |
| Average Mortgage Loan Application Amount | $277,911 |
| Highest Mortgage Loan Application Amount | $4,475,000 |
| Average Applicant Income | $97,824 |
| Highest Applicant Income | $2,846,000 |
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Act (HMDA) records Ladera Lending, Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Riverside-San Bernardino-Ontario, CA | 334 | $ 92,330,000 | $ 276,437 | $ 94,000 |
| Los Angeles-Long Beach-Glendale, CA | 273 | $ 94,765,000 | $ 347,124 | $ 93,000 |
| Phoenix-Mesa-Scottsdale, AZ | 196 | $ 39,270,000 | $ 200,357 | $ 72,000 |
| Anaheim-Santa Ana-Irvine, CA | 133 | $ 64,565,000 | $ 485,451 | $ 162,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 112 | $ 33,040,000 | $ 295,000 | $ 98,000 |
| San Diego-Carlsbad, CA | 112 | $ 38,410,000 | $ 342,946 | $ 108,000 |
| Outside any metro area | 94 | $ 19,820,000 | $ 210,851 | $ 87,297 |
| Oakland-Hayward-Berkeley, CA | 72 | $ 27,340,000 | $ 379,722 | $ 120,000 |
| Seattle-Bellevue-Everett, WA | 71 | $ 22,365,000 | $ 315,000 | $ 94,000 |
| Las Vegas-Henderson-Paradise, NV | 69 | $ 14,295,000 | $ 207,173 | $ 77,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 68 | $ 14,080,000 | $ 207,058 | $ 105,294 |
| Houston-The Woodlands-Sugar Land, TX | 60 | $ 9,640,000 | $ 160,666 | $ 98,000 |
| Dallas-Plano-Irving, TX | 46 | $ 9,170,000 | $ 199,347 | $ 110,000 |
| Tacoma-Lakewood, WA | 45 | $ 11,125,000 | $ 247,222 | $ 81,000 |
| Stockton-Lodi, CA | 43 | $ 12,555,000 | $ 291,976 | $ 105,000 |
| Denver-Aurora-Lakewood, CO | 42 | $ 8,370,000 | $ 199,285 | $ 74,000 |
| Miami-Miami Beach-Kendall, FL | 37 | $ 7,755,000 | $ 209,594 | $ 87,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 35 | $ 19,275,000 | $ 550,714 | $ 153,000 |
| Orlando-Kissimmee-Sanford, FL | 34 | $ 5,080,000 | $ 149,411 | $ 80,000 |
| Tampa-St. Petersburg-Clearwater, FL | 34 | $ 6,290,000 | $ 185,000 | $ 77,000 |
| Bakersfield, CA | 33 | $ 5,345,000 | $ 161,969 | $ 81,000 |
| Fort Worth-Arlington, TX | 33 | $ 5,735,000 | $ 173,787 | $ 73,000 |
| Tucson, AZ | 33 | $ 10,565,000 | $ 320,151 | $ 70,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 28 | $ 5,280,000 | $ 188,571 | $ 73,000 |
| Baltimore-Columbia-Towson, MD | 24 | $ 3,910,000 | $ 162,916 | $ 81,000 |
| Fresno, CA | 24 | $ 4,900,000 | $ 204,166 | $ 87,000 |
| San Antonio-New Braunfels, TX | 24 | $ 3,350,000 | $ 139,583 | $ 79,000 |
| Merced, CA | 22 | $ 6,030,000 | $ 274,090 | $ 99,000 |
| San Francisco-Redwood City-South San Francisco, CA | 22 | $ 11,240,000 | $ 510,909 | $ 108,000 |
| Austin-Round Rock, TX | 21 | $ 3,245,000 | $ 154,523 | $ 88,000 |
| Modesto, CA | 19 | $ 4,625,000 | $ 243,421 | $ 84,000 |
| Visalia-Porterville, CA | 19 | $ 3,485,000 | $ 183,421 | $ 94,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 19 | $ 4,735,000 | $ 249,210 | $ 118,000 |
| Bremerton-Silverdale, WA | 17 | $ 2,945,000 | $ 173,235 | $ 81,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 17 | $ 5,985,000 | $ 352,058 | $ 76,000 |
| Spokane-Spokane Valley, WA | 17 | $ 2,805,000 | $ 165,000 | $ 69,000 |
| Colorado Springs, CO | 16 | $ 3,040,000 | $ 190,000 | $ 96,000 |
| Port St. Lucie, FL | 15 | $ 2,005,000 | $ 133,666 | $ 57,000 |
| Santa Rosa, CA | 15 | $ 6,115,000 | $ 407,666 | $ 117,000 |
| Jacksonville, FL | 14 | $ 2,280,000 | $ 162,857 | $ 63,000 |
| Prescott, AZ | 14 | $ 1,990,000 | $ 142,142 | $ 42,000 |
| Vallejo-Fairfield, CA | 14 | $ 4,050,000 | $ 289,285 | $ 81,000 |
| Kennewick-Richland, WA | 13 | $ 2,815,000 | $ 216,538 | $ 81,000 |
| Yuba City, CA | 12 | $ 2,990,000 | $ 249,166 | $ 97,000 |
| Redding, CA | 11 | $ 2,355,000 | $ 214,090 | $ 69,000 |
| Silver Spring-Frederick-Rockville, MD | 11 | $ 2,675,000 | $ 243,181 | $ 103,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 11 | $ 2,125,000 | $ 193,181 | $ 93,000 |
| Lake Havasu City-Kingman, AZ | 10 | $ 3,130,000 | $ 313,000 | $ 48,000 |
| Madera, CA | 10 | $ 2,160,000 | $ 216,000 | $ 77,000 |
| Palm Bay-Melbourne-Titusville, FL | 10 | $ 1,500,000 | $ 150,000 | $ 68,000 |
| Boulder, CO | 9 | $ 2,025,000 | $ 225,000 | $ 89,000 |
| Chico, CA | 9 | $ 1,865,000 | $ 207,222 | $ 94,000 |
| El Centro, CA | 9 | $ 1,645,000 | $ 182,777 | $ 73,000 |
| Salem, OR | 9 | $ 855,000 | $ 95,000 | $ 54,000 |
| Santa Maria-Santa Barbara, CA | 9 | $ 2,595,000 | $ 288,333 | $ 81,000 |
| Cape Coral-Fort Myers, FL | 8 | $ 1,150,000 | $ 143,750 | $ 98,000 |
| Eugene, OR | 8 | $ 1,370,000 | $ 171,250 | $ 72,000 |
| Medford, OR | 8 | $ 1,200,000 | $ 150,000 | $ 59,000 |
| Olympia-Tumwater, WA | 8 | $ 1,570,000 | $ 196,250 | $ 84,000 |
| Reno, NV | 8 | $ 1,850,000 | $ 231,250 | $ 87,000 |
| Salinas, CA | 8 | $ 3,510,000 | $ 438,750 | $ 116,000 |
| Santa Cruz-Watsonville, CA | 8 | $ 2,630,000 | $ 328,750 | $ 95,000 |
| Yakima, WA | 8 | $ 1,170,000 | $ 146,250 | $ 57,000 |
| Corpus Christi, TX | 7 | $ 1,045,000 | $ 149,285 | $ 79,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 7 | $ 1,105,000 | $ 157,857 | $ 98,000 |
| Hanford-Corcoran, CA | 7 | $ 1,085,000 | $ 155,000 | $ 64,000 |
| Lakeland-Winter Haven, FL | 7 | $ 735,000 | $ 105,000 | $ 55,000 |
| North Port-Sarasota-Bradenton, FL | 7 | $ 585,000 | $ 83,571 | $ 56,000 |
| Pensacola-Ferry Pass-Brent, FL | 6 | $ 1,270,000 | $ 211,666 | $ 72,000 |
| San Rafael, CA | 6 | $ 1,530,000 | $ 255,000 | $ 69,000 |
| Albany, OR | 5 | $ 1,005,000 | $ 201,000 | $ 81,000 |
| McAllen-Edinburg-Mission, TX | 5 | $ 975,000 | $ 195,000 | $ 65,000 |
| Napa, CA | 5 | $ 1,785,000 | $ 357,000 | $ 77,000 |
| Ocala, FL | 5 | $ 605,000 | $ 121,000 | $ 72,000 |
| Bellingham, WA | 4 | $ 1,180,000 | $ 295,000 | $ 54,000 |
| Bend-Redmond, OR | 4 | $ 990,000 | $ 247,500 | $ 81,000 |
| Crestview-Fort Walton Beach-Destin, FL | 4 | $ 420,000 | $ 105,000 | $ 64,000 |
| Grants Pass, OR | 4 | $ 2,170,000 | $ 542,500 | $ 47,000 |
| Mount Vernon-Anacortes, WA | 4 | $ 840,000 | $ 210,000 | $ 71,000 |
| Punta Gorda, FL | 4 | $ 600,000 | $ 150,000 | $ 83,000 |
| Sierra Vista-Douglas, AZ | 4 | $ 430,000 | $ 107,500 | $ 68,000 |
| Amarillo, TX | 3 | $ 675,000 | $ 225,000 | $ 102,000 |
| Flagstaff, AZ | 3 | $ 705,000 | $ 235,000 | $ 184,000 |
| Homosassa Springs, FL | 3 | $ 865,000 | $ 288,333 | $ 82,000 |
| Killeen-Temple, TX | 3 | $ 485,000 | $ 161,666 | $ 48,000 |
| Naples-Immokalee-Marco Island, FL | 3 | $ 575,000 | $ 191,666 | $ 174,000 |
| Wenatchee, WA | 3 | $ 605,000 | $ 201,666 | $ 34,000 |
| Yuma, AZ | 3 | $ 465,000 | $ 155,000 | $ 88,000 |
| California-Lexington Park, MD | 2 | $ 490,000 | $ 245,000 | $ 90,000 |
| El Paso, TX | 2 | $ 340,000 | $ 170,000 | $ 71,000 |
| Greeley, CO | 2 | $ 210,000 | $ 105,000 | $ 50,000 |
| Laredo, TX | 2 | $ 210,000 | $ 105,000 | $ 90,000 |
| Lubbock, TX | 2 | $ 310,000 | $ 155,000 | $ 99,000 |
| Salisbury, MD-DE | 2 | $ 180,000 | $ 90,000 | $ 55,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 2 | $ 260,000 | $ 130,000 | $ 60,000 |
| Victoria, TX | 2 | $ 430,000 | $ 215,000 | $ 133,000 |
| Walla Walla, WA | 2 | $ 440,000 | $ 220,000 | $ 66,000 |
| Brownsville-Harlingen, TX | 1 | $ 325,000 | $ 325,000 | $ 0 |
| Carson City, NV | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Corvallis, OR | 1 | $ 245,000 | $ 245,000 | $ 75,000 |
| Fort Collins, CO | 1 | $ 195,000 | $ 195,000 | $ 26,000 |
| Gainesville, FL | 1 | $ 205,000 | $ 205,000 | $ 86,000 |
| Grand Junction, CO | 1 | $ 225,000 | $ 225,000 | $ 150,000 |
| Hagerstown-Martinsburg, MD-WV | 1 | $ 55,000 | $ 55,000 | $ 70,000 |
| San Angelo, TX | 1 | $ 265,000 | $ 265,000 | $ 141,000 |
| Sebastian-Vero Beach, FL | 1 | $ 175,000 | $ 175,000 | $ 65,000 |
| Sebring, FL | 1 | $ 135,000 | $ 135,000 | $ 68,000 |
| Tallahassee, FL | 1 | $ 25,000 | $ 25,000 | $ 0 |
| Texarkana, TX-AR | 1 | $ 215,000 | $ 215,000 | $ 90,000 |
| Wilmington, DE-MD-NJ | 1 | $ 135,000 | $ 135,000 | $ 25,000 |
Mortgage Loan Application Detail Totals for Ladera Lending, Inc. in 2018
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 |
|---|---|---|---|---|---|---|
| Cash-out Refinancing | 2,609 | $658,425,000 | $252,000 | $4,475,000 | $90,000 | $2,846,000 |
| Refinancing | 544 | $179,460,000 | $329,000 | $3,005,000 | $111,000 | $1,620,000 |
| Home Purchase | 264 | $111,740,000 | $423,000 | $4,005,000 | $148,000 | $875,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 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 | 1,910 | $545,380,000 | $285,000 | $4,475,000 | $105,000 | $2,846,000 |
| Hispanic | 555 | $140,625,000 | $253,000 | $4,005,000 | $90,000 | $663,000 |
| Not Provided | 501 | $126,195,000 | $251,000 | $3,805,000 | $73,000 | $1,440,000 |
| Black or African American | 252 | $67,700,000 | $268,000 | $1,255,000 | $86,000 | $588,000 |
| Asian | 167 | $61,415,000 | $367,000 | $1,465,000 | $132,000 | $1,620,000 |
| Native Hawaiian or Other Pacific Islander | 16 | $4,540,000 | $283,000 | $675,000 | $78,000 | $144,000 |
| American Indian or Alaskan Native | 14 | $3,270,000 | $233,000 | $605,000 | $98,000 | $196,000 |
| Not applicable | 2 | $500,000 | $250,000 | $445,000 | $130,000 | $159,000 |
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) | 1,932 | $583,460,000 | $301,000 | $4,475,000 | $115,000 | $2,846,000 |
| FHA-insured (Federal Housing Administration) | 1,008 | $236,000,000 | $234,000 | $4,005,000 | $77,000 | $402,000 |
| VA-guaranteed (Veterans Administration) | 477 | $130,165,000 | $272,000 | $4,005,000 | $73,000 | $423,000 |
| 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 | 1,526 | $351,780,000 | $230,000 | $3,005,000 | $92,000 | $1,500,000 |
| Loan Originated | 1,172 | $362,260,000 | $309,000 | $3,805,000 | $107,000 | $2,846,000 |
| File Closed For Incompleteness | 455 | $153,165,000 | $336,000 | $4,375,000 | $96,000 | $1,200,000 |
| Application Denied By Financial Institution | 256 | $80,460,000 | $314,000 | $4,475,000 | $92,000 | $663,000 |
| Application Approved But Not Accepted | 8 | $1,960,000 | $245,000 | $525,000 | $72,000 | $131,000 |
| 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 | 3,161 | $869,165,000 | $274,000 | $4,375,000 | $98,000 | $2,846,000 |
| Debt-To-Income Ratio | 81 | $27,645,000 | $341,000 | $2,805,000 | $96,000 | $663,000 |
| Collateral | 64 | $21,020,000 | $328,000 | $4,475,000 | $98,000 | $563,000 |
| Credit History | 52 | $14,740,000 | $283,000 | $835,000 | $81,000 | $360,000 |
| Other | 34 | $8,790,000 | $258,000 | $745,000 | $98,000 | $215,000 |
| Unverifiable Information | 13 | $4,605,000 | $354,000 | $985,000 | $77,000 | $158,000 |
| Employment History | 8 | $2,080,000 | $260,000 | $515,000 | $88,000 | $195,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $1,220,000 | $610,000 | $905,000 | $48,000 | $73,000 |
| Credit Application Incomplete | 2 | $360,000 | $180,000 | $245,000 | $80,000 | $108,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Ladera Lending, Inc.'s 2018 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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with aggregated HMDA statistics today.
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