Lender profile · HMDA 2023–2025
Ardent Federal Credit Union mortgage approval rates & lending data
Ardent Federal Credit Union decided 1,167 mortgage applications and funded 916 loans across the 616 counties Fat Boy Data covers, 2023–2025.
Approval 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 |
| Georgia | 88% | $85K | 16 | 13 |
| California | 86% | $205K | 7 | 5 |
| North Carolina | 86% | $85K | 7 | 6 |
| Maryland | 100% | $115K | 5 | 5 |
| Massachusetts | 80% | $125K | 5 | 4 |
| New York | 40% | $235K | 5 | 2 |
| Ohio | 50% | $55K | 4 | 2 |
| Kansas | 100% | $55K | 3 | 3 |
| Arizona | 100% | $255K | 2 | 2 |
| Illinois | 100% | $95K | 2 | 2 |
| South Carolina | 50% | $405K | 2 | 1 |
Covers the 616 counties in the Fat Boy Data footprint, which is 79.6% of the US population — not every county in each state. Methodology.