Pentagon Federal Credit Union in Alabama vs the state
33.9%Denial rate+14.01 pts vs state
41.3%Decision denial rate+16.31 pts vs state
47.5%Origination rate-7.92 pts vs state
7.38%Median rate+0.88 pts vs state
0.25Rate spread (pts)-0.04 pts vs state
$110kMedian applicant income
150Loans originated
107Denied
Trend in Alabama
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 357 | 152 | 34.2% | 6.13% | #92 |
| 2024 | 304 | 118 | 42.1% | 7.00% | #106 |
| 2025 | 316 | 150 | 33.9% | 7.38% | #118 |
What Pentagon Federal Credit Union lends in Alabama
By loan purpose
By loan type
Why it denied Alabama applicants
Where in Alabama
Counties with the most Pentagon Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 59 | 26 | 24 | 40.7% |
| Madison County | 54 | 25 | 22 | 40.7% |
| Baldwin County | 28 | 15 | 8 | 28.6% |
| Montgomery County | 21 | 7 | 10 | 47.6% |
| Shelby County | 20 | 10 | 5 | 25.0% |
| Lee County | 12 | 5 | 6 | 50.0% |
| Houston County | 11 | 5 | 5 | 45.5% |
| Mobile County | 11 | 5 | 3 | 27.3% |
| Calhoun County | 9 | 3 | 3 | 33.3% |
| Russell County | 7 | 4 | 1 | 14.3% |
Other large lenders in Alabama
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Regions Bank | C | 11,871 | 37.2% | 4.99% |
| Rocket Mortgage | C | 9,941 | 20.5% | 6.63% |
| Vanderbilt Mortgage and Finance | F | 8,461 | 41.4% | 9.50% |
| United Shore Financial Services | B | 7,689 | 12.0% | 6.13% |
| 21st Mortgage | F | 6,507 | 46.0% | 9.98% |
| Mortgage Research Center | C | 5,107 | 18.4% | 6.25% |
| REDSTONE Federal Credit Union | C | 4,548 | 18.9% | 8.13% |
| Dhi Mortgage Company | B | 3,909 | 17.5% | 4.99% |
| Freedom Mortgage | B | 3,725 | 8.7% | 6.25% |
| Pennymac Loan Services | C | 3,611 | 11.6% | 6.25% |
Frequently asked questions
Alabama: 316 applications in 2025, of which 150 were originated and 107 denied.
33.9% of all applications, or 41.3% of the applications it actually decided on. The Alabama statewide average across all lenders was 19.9%.
The median rate on loans Pentagon Federal Credit Union originated in Alabama in 2025 was 7.38%, against a statewide median of 6.50%.
About this data. Figures are Pentagon Federal Credit Union's own HMDA filing for properties located in Alabama, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology