Ardent Federal Credit Union in Georgia vs the state
6.3%Denial rate-12.97 pts vs state
7.7%Decision denial rate-17.38 pts vs state
68.8%Origination rate+14.66 pts vs state
—Median rate
—Rate spread (pts)
$79kMedian applicant income
11Loans originated
1Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 12 | 6 | 16.7% | — | #637 |
| 2024 | 10 | 4 | 30.0% | — | #655 |
| 2025 | 16 | 11 | 6.3% | — | #603 |
What Ardent Federal Credit Union lends in Georgia
By loan purpose
By loan type
Where in Georgia
Counties with the most Ardent Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| DeKalb County | 6 | 5 | 0 | 0.0% |
| Gwinnett County | 2 | 1 | 1 | 50.0% |
| Rockdale County | 2 | 0 | 0 | 0.0% |
| Clayton County | 2 | 1 | 0 | 0.0% |
| Coweta County | 1 | 1 | 0 | 0.0% |
| Chatham County | 1 | 1 | 0 | 0.0% |
| Morgan County | 1 | 1 | 0 | 0.0% |
| Henry County | 1 | 1 | 0 | 0.0% |
Other large lenders in Georgia
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 29,845 | 18.2% | 6.63% |
| United Shore Financial Services | B | 23,784 | 12.6% | 6.25% |
| Navy Federal Credit Union | D | 12,388 | 26.4% | 7.95% |
| Truist Bank | C | 10,563 | 38.7% | 6.49% |
| Pennymac Loan Services | C | 10,273 | 11.6% | 6.49% |
| Broker Solutions | D | 9,709 | 8.6% | 6.63% |
| Mortgage Research Center | C | 9,443 | 19.8% | 6.25% |
| Freedom Mortgage | B | 9,293 | 9.1% | 6.25% |
| Bank of America | F | 9,168 | 36.5% | 6.24% |
| Ameris Bank | B | 8,065 | 10.1% | 6.50% |
Frequently asked questions
Georgia: 16 applications in 2025, of which 11 were originated and 1 denied.
6.3% of all applications, or 7.7% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
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 Georgia, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology