A refinance specialist
Refinances made up 92.2% of its loans. Its typical loan was $225,000, against $325,000 at similar lenders, independent mortgage companies making between half and twice as many loans, smaller than at nearly nine in ten of them.
Applications / Mortgage Analytics / Lenders / California / Ladera Lending
Ladera Lending
Ladera Ranch, CA · Independent non-bank lender · CFPB · 742 loans in 2025
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742
loans originated, 2025
2,371
applications, 2025
19
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Ladera Lending, a California mortgage company, is a refinance specialist that made 742 loans in 2025, a tenth of what it made at the 2020 peak.
Shrinking as peers held steady
Its loans fell 19%, from 917 to 742, while similar lenders grew 2% at the middle and the whole market grew 10%. It made 6,984 loans in 2020, when its typical rate was 2.88%. A book so heavy in refinances depends on rates, which may explain much of the fall since.
Fewer government loans
Loans insured by the Federal Housing Administration (FHA) fell from 24.8% of its lending to 12.9%, and loans guaranteed by the Department of Veterans Affairs from 13.3% to 5.7%. Conventional loans rose to 81.4%, from 61.9%.
Broad reach
It lends in 19 states and 137 metros. In 2025 it entered Wichita Falls and Kankakee, among others. Low- and moderate-income borrowers received 29.7% of its loans, against 25.9% at similar lenders, and majority-minority neighborhoods 34.0%, against 24.8%.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
742 loans in 2025, against a peak of 6,984 in 2020.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Ladera Lending took 2,371 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
92.2% of its 2025 loans were refinance loans; 81.4% were conventional loans.
Refinance 92.2% · Purchase 7.8%
Conventional 81.4% · FHA 12.9% · VA 5.7% · of 742 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
19 states, 137 metros, 263 counties
| State | Loans | Share |
|---|---|---|
| California | 208 | 28.0% |
| Texas | 79 | 10.6% |
| Nevada | 69 | 9.3% |
| New Jersey | 60 | 8.1% |
| Arizona | 44 | 5.9% |
| Florida | 44 | 5.9% |
| North Carolina | 43 | 5.8% |
| Illinois | 41 | 5.5% |
| Washington | 30 | 4.0% |
| South Carolina | 25 | 3.4% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Las Vegas-Henderson-North Las Vegas | 51 |
| Anaheim-Santa Ana-Irvine | 39 |
| Los Angeles-Long Beach-Glendale | 38 |
| Riverside-San Bernardino-Ontario | 35 |
| Phoenix-Mesa-Chandler | 27 |
| Chicago-Naperville-Schaumburg | 25 |
| Charlotte-Concord-Gastonia | 19 |
| Dallas-Plano-Irving | 18 |
| Lakewood-New Brunswick | 17 |
| Oakland-Fremont-Berkeley | 17 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493000H6DFDDJRORG89 | 2018–2025 |
| Respondent ID (the HMDA filer code before 2018) | 7452481499 |
Established 17 May 2011. Reported under HMDA 2017-2025.
Mergers, name changes, data editions and corrections: Ladera Lending's data.
The data and the software behind these pages
Ladera Lending's data
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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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