Ardent Federal Credit Union
Ardent Federal Credit Union received 637 applications in 2025 and made 408 mortgages, in 89 counties across 26 states. The median rate its borrowers got was Not published on a median loan of $125,000. Of 522 decisions, 97 were denials — 18.6%. 24 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 254900ZELVKWROFNEC29 |
|---|---|
| Applications received | 637 |
| Mortgages made | 408 |
| Denied | 97 |
| Approved, not taken up | 17 |
| Withdrawn or incomplete | 115 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 43 | Not published | $295,000 | 2.0% |
| Refinancing | 107 | Not published | $155,000 | 15.6% |
| Cash-out refinancing | 5 | Under 10 loans | Under 10 loans | 50.0% |
| Other purposes | 253 | Not published | $95,000 | 21.3% |
Where Ardent Federal Credit Union lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Montgomery County, PA | 110 | Not published | 15.8% |
| Delaware County, PA | 66 | Not published | 16.1% |
| Philadelphia County, PA | 46 | Not published | 38.5% |
| Chester County, PA | 33 | Not published | 14.6% |
| Bucks County, PA | 27 | Not published | 10.0% |
| Camden County, NJ | 17 | Not published | 10.0% |
| Gloucester County, NJ | 11 | Not published | 8.3% |
| Burlington County, NJ | 8 | Under 10 loans | 20.0% |
| New Castle County, DE | 7 | Under 10 loans | 30.0% |
| Berks County, PA | 7 | Under 10 loans | 11.1% |
| DeKalb County, GA | 5 | Under 10 loans | 0.0% |
| Cape May County, NJ | 5 | Under 10 loans | 0.0% |
| Flagler County, FL | 2 | Under 10 loans | 0.0% |
| Santa Rosa County, FL | 2 | Under 10 loans | 0.0% |
| Atlantic County, NJ | 2 | Under 10 loans | 33.3% |
| Middlesex County, NJ | 2 | Under 10 loans | 0.0% |
| Ocean County, NJ | 2 | Under 10 loans | 0.0% |
| Salem County, NJ | 2 | Under 10 loans | 33.3% |
| Madison County, NC | 2 | Under 10 loans | 0.0% |
| Carbon County, PA | 2 | Under 10 loans | 0.0% |
| Lancaster County, PA | 2 | Under 10 loans | 0.0% |
| Orange County, CA | 1 | Under 10 loans | 50.0% |
| Riverside County, CA | 1 | Under 10 loans | 0.0% |
| Douglas County, CO | 1 | Under 10 loans | 0.0% |
| Eagle County, CO | 1 | Under 10 loans | 0.0% |
| Gunnison County, CO | 1 | Under 10 loans | 0.0% |
| Kent County, DE | 1 | Under 10 loans | 0.0% |
| Broward County, FL | 1 | Under 10 loans | 66.7% |
| Collier County, FL | 1 | Under 10 loans | 0.0% |
| Hillsborough County, FL | 1 | Under 10 loans | 0.0% |
| Miami-Dade County, FL | 1 | Under 10 loans | 0.0% |
| Palm Beach County, FL | 1 | Under 10 loans | 66.7% |
| Sarasota County, FL | 1 | Under 10 loans | 0.0% |
| Seminole County, FL | 1 | Under 10 loans | 0.0% |
| Chatham County, GA | 1 | Under 10 loans | 0.0% |
| Clayton County, GA | 1 | Under 10 loans | 0.0% |
| Coweta County, GA | 1 | Under 10 loans | 0.0% |
| Gwinnett County, GA | 1 | Under 10 loans | 50.0% |
| Henry County, GA | 1 | Under 10 loans | 0.0% |
| Morgan County, GA | 1 | Under 10 loans | 0.0% |
| Cook County, IL | 1 | Under 10 loans | 0.0% |
| Whiteside County, IL | 1 | Under 10 loans | 0.0% |
| Wyandotte County, KS | 1 | Under 10 loans | 0.0% |
| Jefferson County, KY | 1 | Under 10 loans | 0.0% |
| Prince George's County, MD | 1 | Under 10 loans | 0.0% |
| Baltimore city, MD | 1 | Under 10 loans | 0.0% |
| Middlesex County, MA | 1 | Under 10 loans | 0.0% |
| Suffolk County, MA | 1 | Under 10 loans | 0.0% |
| Hennepin County, MN | 1 | Under 10 loans | 0.0% |
| Rice County, MN | 1 | Under 10 loans | 0.0% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.