Ardent Federal Credit Union in Pennsylvania vs the state
16.2%Denial rate-2.06 pts vs state
19.6%Decision denial rate-2.58 pts vs state
64.3%Origination rate+3.33 pts vs state
—Median rate
—Rate spread (pts)
$149kMedian applicant income
297Loans originated
75Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 476 | 293 | 23.7% | — | #145 |
| 2024 | 498 | 337 | 14.1% | — | #148 |
| 2025 | 462 | 297 | 16.2% | — | #166 |
What Ardent Federal Credit Union lends in Pennsylvania
By loan purpose
By loan type
Where in Pennsylvania
Counties with the most Ardent Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Montgomery County | 154 | 110 | 21 | 13.6% |
| Delaware County | 102 | 66 | 13 | 12.7% |
| Philadelphia County | 95 | 46 | 30 | 31.6% |
| Chester County | 52 | 33 | 6 | 11.5% |
| Bucks County | 34 | 27 | 3 | 8.8% |
| Berks County | 9 | 7 | 1 | 11.1% |
| Lancaster County | 2 | 2 | 0 | 0.0% |
| Carbon County | 2 | 2 | 0 | 0.0% |
| Lehigh County | 2 | 1 | 0 | 0.0% |
| Monroe County | 1 | 1 | 0 | 0.0% |
Other large lenders in Pennsylvania
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 22,411 | 18.6% | 6.75% |
| Citizens Bank | C | 18,256 | 28.1% | 7.65% |
| PNC Bank | D | 18,031 | 20.6% | 6.88% |
| United Shore Financial Services | B | 13,178 | 13.4% | 6.47% |
| Crosscountry Mortgage | B | 11,615 | 3.3% | 6.63% |
| Members 1st | B | 10,863 | 30.9% | 1.99% |
| First National Bank of Pennsylvania | B | 9,542 | 27.8% | 6.49% |
| Police & Fire | C | 8,460 | 34.6% | 6.25% |
| PENNSYLVANIA STATE EMPLOYEES Credit Union | C | 8,308 | 13.7% | 6.64% |
| Pennymac Loan Services | C | 7,900 | 12.6% | 6.50% |
Frequently asked questions
Pennsylvania: 462 applications in 2025, of which 297 were originated and 75 denied.
16.2% of all applications, or 19.6% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
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 Pennsylvania, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology