Ardent Federal Credit Union at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the D grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
23rd18.6% deniedProcesswithdrawn + incomplete share, weight 15%
24th18.2%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 637 | 387 | 23.6% | 27.3% | — | $50M |
| 2024 | 652 | 429 | 14.0% | 16.8% | — | $66M |
| 2025 | 638 | 408 | 15.2% | 18.6% | — | $71M |
What Ardent Federal Credit Union lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 0 manufactured homes, 6 investment properties.
Who gets approved at Ardent Federal Credit Union
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 38 | 9 | 59.3% |
| $50k – $100k | 151 | 73 | 32.5% |
| $100k – $150k | 125 | 78 | 22.6% |
| $150k – $250k | 183 | 137 | 8.5% |
| Over $250k | 129 | 103 | 5.3% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 41 | 26 | 15.2% |
| 35–44 | 126 | 81 | 16.0% |
| 45–54 | 161 | 104 | 20.9% |
| 55–64 | 166 | 106 | 18.3% |
| 65–74 | 99 | 67 | 16.9% |
| Over 74 | 44 | 24 | 22.9% |
Where Ardent Federal Credit Union lends
25 states and 88 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Pennsylvania | 462 | 297 | 16.2% | — | #166 |
| New Jersey | 73 | 53 | 11.0% | — | #309 |
| Florida | 22 | 11 | 18.2% | — | #744 |
| Georgia | 16 | 11 | 6.3% | — | #603 |
| North Carolina | 14 | 6 | 7.1% | — | #571 |
| Delaware | 13 | 8 | 23.1% | — | #218 |
| Maryland | 5 | 2 | 20.0% | — | #535 |
Frequently asked questions
Ardent Federal Credit Union denied 18.6% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 23rd percentile of small mortgage lenders.
In 2025, 10% of its applications were for home purchases, 27% for refinancing (including cash-out), and 63% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.