Ardent Federal Credit Union in Maryland vs the state
20.0%Denial rate+1.20 pts vs state
25.0%Decision denial rate+0.87 pts vs state
40.0%Origination rate-15.71 pts vs state
—Median rate
—Rate spread (pts)
$117kMedian applicant income
2Loans originated
1Denied
Trend in Maryland
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 6 | 4 | 33.3% | — | #546 |
| 2024 | 6 | 3 | 0.0% | — | #540 |
| 2025 | 5 | 2 | 20.0% | — | #535 |
What Ardent Federal Credit Union lends in Maryland
By loan purpose
By loan type
Where in Maryland
Counties with the most Ardent Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Prince George's County | 2 | 1 | 0 | 0.0% |
| Baltimore County | 1 | 0 | 1 | 100.0% |
| Kent County | 1 | 0 | 0 | 0.0% |
| Baltimore city | 1 | 1 | 0 | 0.0% |
Other large lenders in Maryland
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 12,806 | 16.8% | 6.63% |
| Navy Federal Credit Union | D | 11,436 | 23.0% | 8.00% |
| United Shore Financial Services | B | 9,307 | 16.0% | 6.13% |
| Truist Bank | C | 6,559 | 34.9% | 6.49% |
| Bank of America | F | 6,051 | 35.8% | 6.24% |
| Newrez | D | 5,739 | 21.0% | 6.63% |
| State Employees Credit Union of Maryland | D | 5,624 | 44.6% | 6.25% |
| PNC Bank | D | 5,582 | 28.0% | 7.41% |
| Manufacturers and Traders Trust | C | 5,497 | 32.0% | 5.99% |
| Pennymac Loan Services | C | 5,411 | 12.4% | 6.49% |
Frequently asked questions
Maryland: 5 applications in 2025, of which 2 were originated and 1 denied.
20.0% of all applications, or 25.0% of the applications it actually decided on. The Maryland statewide average across all lenders was 18.8%.
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 Maryland, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology