{
  "canonical_url": "https://lendb.ai/lender/ladera-lending-inc-835555",
  "summary": "Ladera Lending, Inc. (company NMLS 835555) is an independent mortgage lender. LenDb lists 30 of its loan officers, with branches in 2 states, each with an individual NMLS ID, licensed states and sources.",
  "lender": {
    "nmls_id": 835555,
    "slug": "ladera-lending-inc-835555",
    "canonical_url": "https://lendb.ai/lender/ladera-lending-inc-835555",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/835555",
    "name": {
      "value": "Ladera Lending, Inc.",
      "source": "state_regulator",
      "source_url": "https://laderalending.com/",
      "verified_at": "2026-10-13"
    },
    "dba_names": [],
    "type": "imb",
    "website": {
      "value": "https://laderalending.com/",
      "source": "state_regulator",
      "source_url": "https://laderalending.com/",
      "verified_at": "2026-10-13"
    },
    "lo_directory_url": "https://laderalending.com/meet-our-team/",
    "hq_state": null,
    "loan_programs": {
      "value": [],
      "source": "state_regulator",
      "source_url": "https://laderalending.com/",
      "verified_at": "2026-10-13"
    },
    "program_approvals": [
      {
        "program": "fha",
        "source": "HUD",
        "as_of": "2026-08",
        "source_url": "https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot"
      }
    ],
    "activity": {
      "source": "HMDA",
      "source_name": "HMDA, FFIEC/CFPB",
      "source_url": "https://ffiec.cfpb.gov/data-publication/snapshot-national-loan-level-dataset/2025",
      "as_of_year": 2025,
      "scope": "Home loans the lender funded and reported under HMDA: closed-end mortgages on 1 to 4 unit homes (no home equity lines or reverse mortgages)",
      "third_party_share": 0,
      "includes_brokered": false,
      "years": [
        {
          "year": 2025,
          "loans": 742,
          "by_loan_type": {
            "conventional": 604,
            "fha": 96,
            "va": 42,
            "usda": 0
          },
          "purchase": 58,
          "refinance": 684,
          "other_purpose": 0,
          "jumbo": 14,
          "investor": 42,
          "volume_usd": 229420000
        },
        {
          "year": 2024,
          "loans": 917,
          "by_loan_type": {
            "conventional": 568,
            "fha": 227,
            "va": 122,
            "usda": 0
          },
          "purchase": 58,
          "refinance": 859,
          "other_purpose": 0,
          "jumbo": 13,
          "investor": 34,
          "volume_usd": 282865000
        }
      ],
      "top_states": [
        {
          "state": "CA",
          "loans": 208
        },
        {
          "state": "TX",
          "loans": 79
        },
        {
          "state": "NV",
          "loans": 69
        },
        {
          "state": "NJ",
          "loans": 60
        },
        {
          "state": "AZ",
          "loans": 44
        }
      ],
      "note": "Counts describe the company, not any one loan officer. Only lenders above the HMDA reporting thresholds file, and LenDb has matched about 70% of HMDA loan volume to lenders it lists, so a lender without HMDA data here may still make these loans."
    },
    "loan_officer_count": 30,
    "disciplinary_check": "not_checked",
    "disciplinary_actions": [],
    "last_verified_at": "2026-10-13"
  },
  "facts": {
    "summary": {
      "text": "Ladera Lending, Inc. is an Orange County mortgage lender. It offers home purchase, home refinance, and debt consolidation loans.",
      "source_url": "https://laderalending.com/"
    },
    "licensed_states": [
      {
        "state": "FL",
        "license_type": "Mortgage Lender",
        "status": "Approved",
        "active": true,
        "source_url": "https://flofr.gov/education/public-information/registration-data-download"
      },
      {
        "state": "TX",
        "license_type": "Mortgage Banker Registration",
        "status": "Approved",
        "active": true,
        "source_url": "https://www.sml.texas.gov/"
      }
    ],
    "programs": null,
    "lo_states": [
      {
        "state": "TX",
        "count": 18
      },
      {
        "state": "FL",
        "count": 17
      }
    ],
    "languages": [],
    "lo_count": 27,
    "verified_at": "2026-10-15"
  },
  "loan_officers": [
    {
      "nmls_id": 331280,
      "slug": "andres-espineira-331280",
      "full_name": "Andy Espineira",
      "title": "Sales Manager - VP",
      "branch_city": "Ladera Ranch",
      "branch_state": "CA",
      "canonical_url": "https://lendb.ai/lo/andres-espineira-331280"
    },
    {
      "nmls_id": 2022873,
      "slug": "ashton-pereida-rice-2022873",
      "full_name": "Ashton Pereida-Rice",
      "title": "Loan Officer",
      "branch_city": "Ladera Ranch",
      "branch_state": "CA",
      "canonical_url": "https://lendb.ai/lo/ashton-pereida-rice-2022873"
    },
    {
      "nmls_id": 396575,
      "slug": "brandi-yates-wojtiuk-396575",
      "full_name": "Brandi Yates-Wojtiuk",
      "title": "Loan Officer",
      "branch_city": "Lake Forest",
      "branch_state": "CA",
      "canonical_url": "https://lendb.ai/lo/brandi-yates-wojtiuk-396575"
    },
    {
      "nmls_id": 1257041,
      "slug": "brian-spinuzzi-1257041",
      "full_name": "Brian Spinuzzi",
      "title": "Loan Officer",
      "branch_city": "Ladera Ranch",
      "branch_state": "CA",
      "canonical_url": "https://lendb.ai/lo/brian-spinuzzi-1257041"
    },
    {
      "nmls_id": 1080903,
      "slug": "christopher-cannon-1080903",
      "full_name": "Chris Cannon",
      "title": "Loan Officer",
      "branch_city": "Ladera Ranch",
      "branch_state": "CA",
      "canonical_url": "https://lendb.ai/lo/christopher-cannon-1080903"
    },
    {
      "nmls_id": 210022,
      "slug": "coby-brainard-210022",
      "full_name": "Coby Brainard",
      "title": "Loan Officer",
      "branch_city": "Lake Forest",
      "branch_state": "CA",
      "canonical_url": "https://lendb.ai/lo/coby-brainard-210022"
    },
    {
      "nmls_id": 933034,
      "slug": "dean-jimenez-933034",
      "full_name": "Dean Jimenez",
      "title": "Loan Officer",
      "branch_city": "Lake Forest",
      "branch_state": "CA",
      "canonical_url": "https://lendb.ai/lo/dean-jimenez-933034"
    },
    {
      "nmls_id": 1068342,
      "slug": "grant-shearrer-1068342",
      "full_name": "Grant Shearrer",
      "title": "Team Lead",
      "branch_city": "Ladera Ranch",
      "branch_state": "CA",
      "canonical_url": "https://lendb.ai/lo/grant-shearrer-1068342"
    },
    {
      "nmls_id": 1390339,
      "slug": "jacqueline-herrick-1390339",
      "full_name": "Jacqueline Herrick",
      "title": "Senior Vice President",
      "branch_city": "Ladera Ranch",
      "branch_state": "CA",
      "canonical_url": "https://lendb.ai/lo/jacqueline-herrick-1390339"
    },
    {
      "nmls_id": 1334898,
      "slug": "jason-brewster-1334898",
      "full_name": "Jason Brewster",
      "title": "Loan Officer",
      "branch_city": "Lake Forest",
      "branch_state": "CA",
      "canonical_url": "https://lendb.ai/lo/jason-brewster-1334898"
    },
    {
      "nmls_id": 1123063,
      "slug": "jason-muir-1123063",
      "full_name": "Jason Muir",
      "title": "Loan Officer",
      "branch_city": "Lake Forest",
      "branch_state": "CA",
      "canonical_url": "https://lendb.ai/lo/jason-muir-1123063"
    },
    {
      "nmls_id": 1030753,
      "slug": "jason-smith-1030753",
      "full_name": "Jason Smith",
      "title": "Sales Manager - VP",
      "branch_city": "Lake Forest",
      "branch_state": "CA",
      "canonical_url": "https://lendb.ai/lo/jason-smith-1030753"
    },
    {
      "nmls_id": 1030752,
      "slug": "jeff-cunningham-1030752",
      "full_name": "Jeff Cunningham",
      "title": "Loan Officer",
      "branch_city": "Lake Forest",
      "branch_state": "CA",
      "canonical_url": "https://lendb.ai/lo/jeff-cunningham-1030752"
    },
    {
      "nmls_id": 1632164,
      "slug": "jimmy-henderson-1632164",
      "full_name": "Jim Henderson",
      "title": "Loan Officer",
      "branch_city": "Lake Forest",
      "branch_state": "CA",
      "canonical_url": "https://lendb.ai/lo/jimmy-henderson-1632164"
    },
    {
      "nmls_id": 1471097,
      "slug": "john-doung-1471097",
      "full_name": "John Doung",
      "title": "Loan Officer",
      "branch_city": "Lake Forest",
      "branch_state": "CA",
      "canonical_url": "https://lendb.ai/lo/john-doung-1471097"
    },
    {
      "nmls_id": 994485,
      "slug": "kweli-washington-994485",
      "full_name": "Kweli Washington",
      "title": "Loan Officer",
      "branch_city": "Lake Forest",
      "branch_state": "CA",
      "canonical_url": "https://lendb.ai/lo/kweli-washington-994485"
    },
    {
      "nmls_id": 1332862,
      "slug": "mary-vidrine-1332862",
      "full_name": "Mary Vidrine",
      "title": "Loan Officer",
      "branch_city": "Lake Forest",
      "branch_state": "CA",
      "canonical_url": "https://lendb.ai/lo/mary-vidrine-1332862"
    },
    {
      "nmls_id": 1904026,
      "slug": "michael-pendergast-1904026",
      "full_name": "Michael Pendergast",
      "title": "Loan Officer",
      "branch_city": "Ladera Ranch",
      "branch_state": "CA",
      "canonical_url": "https://lendb.ai/lo/michael-pendergast-1904026"
    },
    {
      "nmls_id": 1399400,
      "slug": "paul-bogosian-1399400",
      "full_name": "Paul Bogosian",
      "title": "Site Manager",
      "branch_city": "Lake Forest",
      "branch_state": "CA",
      "canonical_url": "https://lendb.ai/lo/paul-bogosian-1399400"
    },
    {
      "nmls_id": 366569,
      "slug": "randall-sodeman-366569",
      "full_name": "Randy Sodeman",
      "title": "Loan Officer",
      "branch_city": "Lake Forest",
      "branch_state": "CA",
      "canonical_url": "https://lendb.ai/lo/randall-sodeman-366569"
    },
    {
      "nmls_id": 202929,
      "slug": "robert-brown-202929",
      "full_name": "Robert Brown",
      "title": "President",
      "branch_city": "Ladera Ranch",
      "branch_state": "CA",
      "canonical_url": "https://lendb.ai/lo/robert-brown-202929"
    },
    {
      "nmls_id": 66667,
      "slug": "scott-contreras-66667",
      "full_name": "Scott Contreras",
      "title": "Executive Vice President",
      "branch_city": "Ladera Ranch",
      "branch_state": "CA",
      "canonical_url": "https://lendb.ai/lo/scott-contreras-66667"
    },
    {
      "nmls_id": 625387,
      "slug": "stephanie-yarusinsky-625387",
      "full_name": "Stephanie Yarusinsky",
      "title": "Loan Officer",
      "branch_city": "Ladera Ranch",
      "branch_state": "CA",
      "canonical_url": "https://lendb.ai/lo/stephanie-yarusinsky-625387"
    },
    {
      "nmls_id": 843066,
      "slug": "bruce-rodriguez-843066",
      "full_name": "Bruce Rodriguez",
      "title": "Loan Officer",
      "branch_city": "Las Vegas",
      "branch_state": "NV",
      "canonical_url": "https://lendb.ai/lo/bruce-rodriguez-843066"
    },
    {
      "nmls_id": 2022670,
      "slug": "kristopher-hartmann-2022670",
      "full_name": "Kristopher Hartmann",
      "title": "Loan Officer",
      "branch_city": "Las Vegas",
      "branch_state": "NV",
      "canonical_url": "https://lendb.ai/lo/kristopher-hartmann-2022670"
    },
    {
      "nmls_id": 2067400,
      "slug": "andrew-nikiforoff-2067400",
      "full_name": "Andrew Nikiforoff",
      "title": "Loan Officer",
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/andrew-nikiforoff-2067400"
    },
    {
      "nmls_id": 1602937,
      "slug": "chase-mansouri-1602937",
      "full_name": "Chase Mansouri",
      "title": null,
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/chase-mansouri-1602937"
    },
    {
      "nmls_id": 2141087,
      "slug": "elias-ghanem-2141087",
      "full_name": "Elias Ghanem",
      "title": null,
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/elias-ghanem-2141087"
    },
    {
      "nmls_id": 319521,
      "slug": "kevin-smith-319521",
      "full_name": "Kevin Smith",
      "title": null,
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/kevin-smith-319521"
    },
    {
      "nmls_id": 1499585,
      "slug": "ran-zhu-1499585",
      "full_name": "Ran Zhu",
      "title": null,
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/ran-zhu-1499585"
    }
  ]
}