Ardent Federal Credit Union mortgage approval rate & lending review
Ardent Federal Credit Union decided 1,167 mortgage applications and funded 916 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Ardent Federal Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Ardent Federal Credit Union at a glance
Approval is 13.3 points above the 68.2% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 96% | 85 / 89 | 89% | $295K | 76 |
| Home improvement loans | 81% | 593 / 728 | 97% | $105K | 576 |
| Refinance | 82% | 227 / 276 | 97% | $155K | 221 |
Ardent Federal Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Pennsylvania | 82% | $105K | 912 | 723 |
| New Jersey | 81% | $55K | 119 | 92 |
| Florida | 78% | $185K | 41 | 29 |
| Delaware | 81% | $115K | 21 | 15 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Ardent Federal Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Montgomery County, PA | Home improvement loans | 89% | 220 | 191 |
| Delaware County, PA | Home improvement loans | 83% | 108 | 90 |
| Chester County, PA | Home improvement loans | 92% | 86 | 77 |
| Montgomery County, PA | Refinance | 80% | 79 | 63 |
| Philadelphia County, PA | Home improvement loans | 56% | 98 | 50 |
| Bucks County, PA | Home improvement loans | 91% | 54 | 47 |
| Delaware County, PA | Refinance | 86% | 43 | 36 |
| Philadelphia County, PA | Refinance | 79% | 39 | 31 |
| Chester County, PA | Refinance | 81% | 31 | 24 |
| Camden County, NJ | Home improvement loans | 88% | 26 | 23 |
The county markets where Ardent Federal Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Ardent Federal Credit Union
What is Ardent Federal Credit Union's mortgage approval rate?
Ardent Federal Credit Union approved 81.5% of the 1,167 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 13.3 points above the 68.2% national rate for the same mix of loan types.
How often do borrowers take the loan Ardent Federal Credit Union offers?
Borrowers accepted 96% of the loans Ardent Federal Credit Union approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Ardent Federal Credit Union make?
The typical home improvement loan loan Ardent Federal Credit Union made was $105K; across all loan types its typical loan ran from $105K to $295K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Ardent Federal Credit Union lend?
Ardent Federal Credit Union decided applications in 28 of the states Fat Boy Data covers, most of them in Pennsylvania, New Jersey and Florida.
Can I apply to Ardent Federal Credit Union directly?
Yes. Ardent Federal Credit Union is a bank or credit union with 11 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Ardent Federal Credit Union's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Ardent Federal Credit Union treats applications, then get a rate quote from the lender.