Ardent Federal Credit Union in New Jersey vs the state
11.0%Denial rate-6.73 pts vs state
12.7%Decision denial rate-10.35 pts vs state
72.6%Origination rate+16.92 pts vs state
—Median rate
—Rate spread (pts)
$158kMedian applicant income
53Loans originated
8Denied
Trend in New Jersey
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 67 | 40 | 23.9% | — | #292 |
| 2024 | 69 | 46 | 13.0% | — | #306 |
| 2025 | 73 | 53 | 11.0% | — | #309 |
What Ardent Federal Credit Union lends in New Jersey
By loan purpose
By loan type
Where in New Jersey
Counties with the most Ardent Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Camden County | 23 | 17 | 2 | 8.7% |
| Gloucester County | 14 | 11 | 1 | 7.1% |
| Burlington County | 12 | 8 | 2 | 16.7% |
| Cape May County | 5 | 5 | 0 | 0.0% |
| Atlantic County | 4 | 2 | 1 | 25.0% |
| Morris County | 3 | 1 | 0 | 0.0% |
| Ocean County | 3 | 2 | 0 | 0.0% |
| Salem County | 3 | 2 | 1 | 33.3% |
| Middlesex County | 2 | 2 | 0 | 0.0% |
| Somerset County | 1 | 1 | 0 | 0.0% |
Other large lenders in New Jersey
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 16,339 | 16.1% | 6.75% |
| TD Bank | D | 12,532 | 26.2% | 7.49% |
| Bank of America | F | 12,142 | 30.6% | 6.00% |
| Citizens Bank | C | 12,113 | 28.9% | 7.40% |
| Crosscountry Mortgage | B | 12,042 | 5.3% | 6.75% |
| PNC Bank | D | 10,815 | 27.8% | 7.75% |
| United Shore Financial Services | B | 10,552 | 15.3% | 6.38% |
| Guaranteed Rate | B | 8,643 | 5.5% | 6.58% |
| Newrez | D | 6,535 | 22.5% | 6.99% |
| Loandepot.Com | D | 6,491 | 15.3% | 6.63% |
Frequently asked questions
New Jersey: 73 applications in 2025, of which 53 were originated and 8 denied.
11.0% of all applications, or 12.7% of the applications it actually decided on. The New Jersey statewide average across all lenders was 17.7%.
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 New Jersey, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology