Name of the lender

Ardri LLCMortgage rates, total loan costs and denial rate, 2025

HMDA year2025

Years filed2025

Head office: Calabasas, CA
Reporting agency: Department of Housing and Urban Development (HUD)
Legal Entity Identifier (LEI)

Figures by state (CSV)

Ardri LLC reported 1,653 mortgage applications in the HMDA data of 2025.

It originated 741 loans in 2025, for $342 million in total.

The median interest rate of its loans in 2025 was 7.187%, and the national median was 6.375%.

The median total loan costs of its loans in 2025 were $14,096, and the national median was $6,413.

It denied 23.6% of the applications that it decided in 2025, and the national denial rate was 22.6%.

Filed figures of Ardri LLC, 2025
Figure	This lender	United States
Applications	1,653Under 0.1% of the US total	11,766,671
Loans originated	741$342 million	6,827,891
Median interest rate	7.187%	6.375%
Median total loan costs	$14,096	$6,413
Denial rate	23.6%	22.6%

HMDA data are generally not used alone to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions.
The words of the Consumer Financial Protection Bureau (CFPB). Source: Consumer Financial Protection Bureau, Summary of 2023 Data on Mortgage Lending (11 July 2024), copied on 2 Oct 2026. The figures on this page are from the HMDA data of 2025, the snapshot dataset.

Since the last update

No change on record

No tracked figure of this lender has changed since this site started its record. The record compares each update of the HMDA data with the update before it. The record of updates.

PricingMedians of 2025 loans

Interest rate and total loan costs of Ardri LLC by loan type, 2025Medians. Each value has the national median of the same loan type under it.
Loan type	Loans in the medians	Interest rate	Total loan costs	Rate spread, points
All loans	210	7.187%US 6.375%	$14,096US $6,413	1.008US 0.161
Conventional	210	7.187%US 6.500%	$14,096US $5,393	1.008US 0.175

Interest rate and total loan costs of Ardri LLC by loan purpose, 2025Medians, with the national median under each value.
Loan purpose	Loans in the medians	Interest rate	Total loan costs	Rate spread, points
Home purchase	140	7.374%US 6.500%	$14,342US $6,632	1.116US 0.169
Refinancing	36	6.990%US 5.999%	$14,927US $4,883	0.642US −0.069
Cash-out refinancing	32	7.249%US 6.500%	$11,438US $8,095	0.837US 0.376

Parts of the total loan costs of Ardri LLC by loan type, 2025Medians, with the national median under each value.
Loan type	Origination charges	Discount points, of the loans with points	Lender credits, of the loans with credits
All loans	$10,472US $2,062	$2,560US $2,823	$2,465US $567
Conventional	$10,472US $1,981	$2,560US $2,588	$2,465US $604

The median rate spread of these loans was 1.008 percentage points above the average prime offer rate (APOR). On a loan of $300,000, that is about $3,024 more a year, or $252 more a month. The national median spread was 0.161 points.

The dollar amount is a simple interest approximation: the rate spread times the full loan amount for one year. The balance of a loan decreases with each payment, and an APR includes some fees, so the amount for a real loan is different. What a rate spread is.

Median interest rate by year: Ardri LLC and the United States

Ardri LLCUnited States

Action takenHMDA codes and labels

Records of Ardri LLC by the action taken, 2025
Action taken	Records	Share of records	US share
1Loan originated	741	44.8%	50.4%
2Application approved but not accepted	326	19.7%	3.1%
3Application denied	330	19.9%	15.6%
4Application withdrawn by applicant	96	5.8%	12.6%
5File closed for incompleteness	160	9.7%	5.1%
6Purchased loan	0	0.0%	11.7%
7Preapproval request denied	0	0.0%	0.4%
8Preapproval request approved but not accepted	2	0.1%	1.1%

The denial rate is code 3 divided by codes 1, 2 and 3: the applications that the lender decided. Codes 4 and 5 are applications with no decision. Code 6 is a loan that the lender bought.

Denial reasonsFirst reason coded

Denials of Ardri LLC by the first reason that it coded, 2025
Denial reason	Denials	Share	US share
1Debt-to-income ratio	20	6.1%	32.7%
2Employment history	0	0.0%	0.9%
3Credit history	29	8.8%	25.6%
4Collateral	80	24.2%	13.8%
5Insufficient cash (downpayment, closing costs)	5	1.5%	2.3%
6Unverifiable information	17	5.2%	4.2%
7Credit application incomplete	2	0.6%	12.0%
8Mortgage insurance denied	0	0.0%	0.0%
9Other	177	53.6%	8.5%

A lender can code up to four reasons for a denial. This table counts the first reason only.

Loan types and purposesLoans of 2025

Applications of Ardri LLC by loan type
Loan type	Applications	Loans originated	Denial rate
Conventional	1,653	741	23.6%US 23.4%

Applications of Ardri LLC by loan purpose
Loan purpose	Applications	Loans originated	Share of loans
Home purchase	750	422	57.0%
Home improvement	25	3	0.4%
Refinancing	317	76	10.3%
Cash-out refinancing	559	238	32.1%
Other purpose	0	0	0.0%

The denial rate of a loan type is the denied applications divided by the decided applications of that type. It is "n/a" under 25 decided applications.

States where it lends14 states with 25 applications or more

Ardri LLC by state, 2025In order of the names. A state with 100 applications or more links to the lender's page for the state.
State	Applications	Loans originated	Median interest rate	Median total loan costs	Denial rate
Arizona	28	10	n/a	n/a	n/a
California	414	201	6.994%	$15,020	18.0%
Florida	284	130	6.999%	$14,722	17.4%
Georgia	91	43	n/a	n/a	31.7%
Michigan	25	7	n/a	n/a	n/a
New Jersey	35	12	n/a	n/a	26.9%
New York	48	13	n/a	n/a	56.4%
North Carolina	47	20	n/a	n/a	29.3%
Pennsylvania	56	32	n/a	n/a	24.5%
South Carolina	42	25	n/a	n/a	20.5%
Tennessee	61	37	n/a	n/a	11.9%
Texas	164	78	n/a	n/a	24.1%
Virginia	44	14	n/a	n/a	12.0%
Washington	46	25	n/a	n/a	7.9%

Counties of Ardri LLC with 50 applications or more, 2025In order of the names. The list has the 3 counties with the most loans of the lender.
County	Applications	Loans originated	Amount	Denial rate
Broward County, FL	52	19	$7.6 million	25.5%
Los Angeles County, CA	132	58	$47.1 million	17.4%
Miami-Dade County, FL	70	40	$23.9 million	15.3%

Figures by yearHMDA 2022 to 2025

Ardri LLC by HMDA year"n/a" shows a year with fewer than 25 applications, or a year that this site does not process.
Year	Applications	Loans originated	Median interest rate	Median total loan costs	Denial rate	Records filed
2025	1,653	741	7.187%	$14,096	23.6%	1,655
2024	n/a	n/a	n/a	n/a	n/a	n/a
2023	n/a	n/a	n/a	n/a	n/a	n/a
2022	n/a	n/a	n/a	n/a	n/a	n/a

Records filed is the count on the lender's HMDA transmittal sheet. It includes purchased loans and requests for preapproval.

Denial rate by year: Ardri LLC and the United States

Ardri LLCUnited States

Peer lenders12 lenders

These lenders originated a count of loans close to the count of this lender, in the same states. The site compares the applications of each lender by state. The list is not a ranking.

212 Loans, LLCFriendswood, TX
Augusta Financial, Inc.Santa Clarita, CA
Berkadia Commercial MortgageAmbler, PA
City 1st Mortgage Services, LCBountiful, UT
Community Credit Union of FloridaRockledge, FL
Foundation Mortgage CorporationMiami Beach, FL
JSB Mortgage CorporationMonterey Park, CA
Ladera Lending, Inc.Ladera Ranch, CA
Provident Credit UnionRedwood City, CA
Strong Home Mortgage, LLCManassas, VA
Val-Chris Investments Inc.Irvine, CA
Walker & Dunlop, LLCBethesda, MD

Official channelsLinks checked 2 Oct 2026

HMDA Data Browser (FFIEC and CFPB)The HMDA records of this lender, with a CSV download.
Submit a complaint (Consumer Financial Protection Bureau)The CFPB form for a complaint about a mortgage or a lender.

Cite this page

Page: Lender Register, "Ardri LLC mortgage rates, costs and denial rate, 2025", https://lenderregister.com/lender/9845005bp6974ae5d838-ardri-llc/
Lender: Ardri LLC, LEI 9845005BP6974AE5D838
Source: Federal Financial Institutions Examination Council and Consumer Financial Protection Bureau, Home Mortgage Disclosure Act data, 2025, snapshot dataset
Data date: HMDA year 2025. Page made 2 Oct 2026.

Provenance

The figures come from the public HMDA loan/application register of 2022 to 2025. The count of records filed comes from the transmittal sheets of 2025 to 2025. The FFIEC and the CFPB publish them at ffiec.cfpb.gov. The name, the head office and the agency are from the newest transmittal sheet of the LEI.

This site withholds a figure with fewer than 25 applications and a median with fewer than 20 loans. Method of the figures. Terms. Report an error.

Questions

How many loans did Ardri LLC buy from other lenders in 2025?: It reported no purchased loans. HMDA counts a purchased loan apart from the applications, so the denial rate does not include it.
Which denial reasons did Ardri LLC code most often in 2025?: The first reasons that it coded most often were other (177), collateral (80) and credit history (29).
In which states did Ardri LLC originate the most loans in 2025?: The three states with the most loans were California (201), Florida (130) and Texas (78). It had 25 applications or more in 14 states.
Which loan types did Ardri LLC originate in 2025?: All its loans were of one type: 741 Conventional.