Purchase Originations
132
Median Total Costs
$14,453
+116.4% vs national ($6,680)
Median Rate
7.249%
+11.7% vs national (6.490%)
Median Origination
$10,582
Median Lender Credits
$2,792
Denial Rate
11.3%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 132 | 7.249% | $14,453 | $10,582 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| California | 62 | 7.249% | $17,830 | #242 |
| Florida | 19 | 6.990% | $14,160 | — |
| Texas | 15 | 7.374% | $13,809 | — |
| Tennessee | 6 | 7.061% | $19,166 | — |
| Georgia | 5 | 6.749% | $19,998 | — |
| South Carolina | 5 | 7.490% | $11,536 | — |
| Washington | 5 | 7.749% | $8,112 | — |
| Nevada | 3 | 7.124% | $6,599 | — |
| Arizona | 2 | 5.990% | $19,567 | — |
| Idaho | 2 | 7.495% | $9,316 | — |
| North Carolina | 2 | 8.187% | $12,077 | — |
| New Jersey | 2 | 7.807% | $13,562 | — |
| Virginia | 2 | 6.936% | $9,737 | — |
| Alabama | 1 | 7.874% | $10,963 | — |
| Michigan | 1 | 7.374% | $7,979 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $6,599 | 7.124% | — | 3 | −$7,854 | |
| 2 | $8,945 | 8.687% | — | 2 | −$5,508 | |
| 3 | $10,287 | 6.999% | — | 3 | −$4,166 | |
| 4 | $10,299 | 7.499% | — | 2 | −$4,154 | |
| 5 | $10,668 | 7.990% | — | 5 | −$3,785 | |
| 6 | $11,576 | 6.620% | — | 2 | −$2,877 | |
| 7 | $11,632 | 7.374% | — | 2 | −$2,821 | |
| 8 | $12,077 | 8.187% | — | 2 | −$2,376 | |
| 9 | $13,813 | 7.490% | — | 3 | −$640 | |
| 10 | $13,857 | 7.490% | — | 3 | −$596 | |
| 11 | $16,990 | 6.932% | — | 2 | +$2,537 | |
| 12 | $17,184 | 6.682% | — | 4 | +$2,731 | |
| 13 | $18,028 | 7.999% | — | 5 | +$3,575 | |
| 14 | $19,240 | 6.749% | — | 2 | +$4,787 | |
| 15 | $19,567 | 5.990% | — | 2 | +$5,114 | |
| 16 | $20,970 | 7.499% | — | 19 | +$6,517 | |
| 17 | $20,987 | 6.557% | — | 4 | +$6,534 | |
| 18 | $21,115 | 6.990% | — | 3 | +$6,662 | |
| 19 | $22,210 | 6.933% | — | 6 | +$7,757 | |
| 20 | $24,200 | 6.999% | — | 2 | +$9,747 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | ARDRI LLC | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $500,000 | $335,000 | +$165,000 (+49.3%) |
| Median total closing costs | $14,453 | $7,127 | +$7,326 (+102.8%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.