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Ladera Lending

Review Counsel Rating

4.5 | ★ ★ ★ ★

About Ladera Lending

Ladera Lending Loans Synopsis 

Review Summary: Ladera Lending offers purchase mortgages, home refinancing, and reverse mortgages.  

Recommended for: Ladera Lending is a great option for those looking to refinance their home and value personalized service.  

Pros and Cons of Ladera Lending  

ProsCons
High customer satisfaction rating Home purchase calculator Refinance calculator Free pre-approval letter  Only available in 21 states Rates difficult to obtain without talking to loan officer  

Ladera Lending Reviews 

Consumer Review Platform Rating  
Better Business Bureau A+ BBB Rating; 4.78/5 Stars with 89 Reviews 
Experience.com 4.92/5 Stars with 9,316 Reviews 
Facebook 4.8/5 Stars with 74 Reviews 
Google 4.9/5 Stars with 1,471 reviews 
Yelp 4/5 Stars with 230 reviews 

Ladera Lending Review 

Overview 

Ladera Lending has consistently high customer satisfaction ratings across all review platforms.  

Ladera specializes in home refinancing. Approximately 95% of its business comes from mortgage refinances for existing homeowners. 

It offers loans on single-family homes, condos, townhouses, multi-family homes up to four units, vacation homes, and investment properties.  

Ladera Mortgage Loan Options 

These are the mortgage loans offered by Ladera Lending:  

  • 30-year fixed rate mortgage 
  • 15-year fixed rate mortgage 
  • Adjustable-rate mortgage  
  • FHA loans 
  • VA loans 
  • USDA loans 
  • Jumbo loans 
  • Super jumbo loans 
  • Reverse mortgage 
  • Mortgage refinancing 
  • Conforming loans 
  • Debt consolidation loans 

Ladera Mortgage Application Process  

If you are interested in working with Ladera, this is the process the company says borrowers can expect for home loan purchases: 

  • Make a pre-approval letter request 
  • Receive pre-approval letter  
  • Get home loan options based on your situation 
  • Review interest rates and loan types 
  • Choose the offer that works best for you and your needs 

If looking to refinance your current mortgage, this is the process you can expect:  

  • Make refinance analysis request 
  • Get options based on your criteria and situation 
  • Review interest rates and loan types 
  • Choose the loan that is best for you 

Ladera Lending Rates and Fees 

Ladera does not publish its rates or fees.  

Potential borrowers are only able to obtain rates by filling out a form and providing your name, phone number, and email address. Once this is done, you will then be contacted by a mortgage expert who will give you a personalized rate quote and a consultation.  

Ladera Lending Company Information 

Ladera Lending is headquartered in Ladera Ranch, California, which is located in Orange County, California. It was founded in 2007.  

While Ladera is available in 21 states, it does most of its business in California. In 2020, Ladera funded $800 million in loans, and $500 million of that was in the Golden State.  

Most of its business comes from refinancing.  

States Where Ladera Lending is Licensed 

Ladera Lending is licensed to originate loans in the following 21 states: 

  • Arizona
  • California
  • Colorado
  • Florida
  • Idaho
  • Illinois
  • Maryland
  • Massachusetts
  • Minnesota
  • Nevada
  • New Jersey
  • New Mexico
  • North Carolina
  • Oregon
  • Pennsylvania
  • South Carolina
  • Tennessee
  • Texas
  • Utah
  • Washington
  • Wyoming

Offices 

Ladera Lending has offices in the following locations:  

  • Ladera Ranch, California 
  • Lake Forest, California 
  • Corona, California 
  • Las Vegas, Nevada 

Last updated 12/1/22.

Address: 555 Corporate Dr. #215 Ladera Ranch, CA 92694

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