Ardent Federal Credit Union in Florida vs the state
18.2%Denial rate-2.88 pts vs state
23.5%Decision denial rate-3.71 pts vs state
50.0%Origination rate-2.69 pts vs state
—Median rate
—Rate spread (pts)
$130kMedian applicant income
11Loans originated
4Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 24 | 16 | 8.3% | — | #787 |
| 2024 | 15 | 10 | 26.7% | — | #839 |
| 2025 | 22 | 11 | 18.2% | — | #744 |
What Ardent Federal Credit Union lends in Florida
By loan purpose
By loan type
Where in Florida
Counties with the most Ardent Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Broward County | 4 | 1 | 2 | 50.0% |
| Flagler County | 4 | 2 | 0 | 0.0% |
| Palm Beach County | 3 | 1 | 2 | 66.7% |
| Sarasota County | 2 | 1 | 0 | 0.0% |
| Santa Rosa County | 2 | 2 | 0 | 0.0% |
| Osceola County | 2 | 0 | 0 | 0.0% |
| Miami-Dade County | 1 | 1 | 0 | 0.0% |
| Hillsborough County | 1 | 1 | 0 | 0.0% |
| Collier County | 1 | 1 | 0 | 0.0% |
| Seminole County | 1 | 1 | 0 | 0.0% |
Other large lenders in Florida
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 71,405 | 15.3% | 6.44% |
| Rocket Mortgage | C | 46,611 | 21.0% | 6.63% |
| Bank of America | F | 23,634 | 37.7% | 6.24% |
| Pennymac Loan Services | C | 19,516 | 14.1% | 6.50% |
| Navy Federal Credit Union | D | 19,452 | 23.2% | 7.59% |
| Crosscountry Mortgage | B | 19,103 | 5.2% | 6.75% |
| Newrez | D | 17,519 | 22.4% | 6.75% |
| Dhi Mortgage Company | B | 16,661 | 14.5% | 4.88% |
| Lennar Mortgage | A | 14,984 | 21.0% | 4.75% |
| Truist Bank | C | 14,140 | 41.5% | 6.60% |
Frequently asked questions
Florida: 22 applications in 2025, of which 11 were originated and 4 denied.
18.2% of all applications, or 23.5% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
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 Florida, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology