Ladera Lending, Inc.
Ladera Ranch, CA · What the federal mortgage record shows about how Ladera Lending, Inc. treated New Jersey applicants, 2018–2025 — 742 reported decisions. This is historical behavior, not a prediction about your loan.
Share of 742 New Jersey applications Ladera Lending, Inc. approved vs. denied. Excludes loans it merely purchased on the secondary market, and applications withdrawn or left incomplete.
Approval rate by loan type
“NJ” = the statewide average approval rate for that loan type, for comparison.
Approval rate over time
Pricing
Adjusting for its loan-type mix, Ladera Lending, Inc.’s rates ran +0.06 pp higher than the typical New Jersey lender (average rate spread +0.35 pp above the market benchmark). Rate spread is APR minus the average prime offer rate; positive means costlier than the low-risk benchmark.
Who Ladera Lending, Inc. approves
Why Ladera Lending, Inc. denied applications
Where Ladera Lending, Inc. lends in NJ
| County | Decisions | Approval |
|---|---|---|
| Bergen County | 89 | 96.6% |
| Monmouth County | 78 | 91.0% |
| Middlesex County | 67 | 92.5% |
| Union County | 61 | 91.8% |
| Essex County | 54 | 85.2% |
| Ocean County | 54 | 94.4% |
| Morris County | 45 | 86.7% |
| Hudson County | 41 | 90.2% |
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Open the approval tool →Source: CFPB HMDA loan-level data, 2018–2025 · first-lien, closed-end mortgages on 1–4 family homes in New Jersey reported by Ladera Lending, Inc. (LEI 5493000H6DFDDJRORG89). Rates describe past reported outcomes for the lender’s applicant pool and are not a prediction for any individual. Methodology →