Ardent Federal Credit Union in Delaware vs the state
23.1%Denial rate+4.92 pts vs state
27.3%Decision denial rate+4.54 pts vs state
61.5%Origination rate+2.35 pts vs state
—Median rate
—Rate spread (pts)
$143kMedian applicant income
8Loans originated
3Denied
Trend in Delaware
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 10 | 7 | 20.0% | — | #224 |
| 2024 | 12 | 3 | 16.7% | — | #226 |
| 2025 | 13 | 8 | 23.1% | — | #218 |
What Ardent Federal Credit Union lends in Delaware
By loan purpose
By loan type
Where in Delaware
Counties with the most Ardent Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| New Castle County | 12 | 7 | 3 | 25.0% |
| Kent County | 1 | 1 | 0 | 0.0% |
Other large lenders in Delaware
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 2,381 | 15.5% | 6.88% |
| Wilmington Savings Fund Society | B | 1,801 | 16.6% | 7.25% |
| Citizens Bank | C | 1,633 | 29.3% | 7.65% |
| PNC Bank | D | 1,492 | 25.1% | 7.50% |
| NVR Mortgage Finance | B | 1,414 | 18.7% | 6.63% |
| United Shore Financial Services | B | 1,408 | 13.0% | 6.13% |
| Pike Creek Mortgage Services | B | 1,383 | 2.2% | 6.38% |
| Manufacturers and Traders Trust | C | 1,337 | 32.5% | 5.99% |
| Newrez | D | 1,127 | 18.4% | 6.50% |
| Del-One Federal Credit Union | D | 1,070 | 41.3% | 7.00% |
Frequently asked questions
Delaware: 13 applications in 2025, of which 8 were originated and 3 denied.
23.1% of all applications, or 27.3% of the applications it actually decided on. The Delaware statewide average across all lenders was 18.2%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are Ardent Federal Credit Union's own HMDA filing for properties located in Delaware, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology