Pentagon Federal Credit Union in Arizona vs the state
31.0%Denial rate+14.78 pts vs state
39.5%Decision denial rate+19.13 pts vs state
47.1%Origination rate-12.40 pts vs state
7.63%Median rate+1.13 pts vs state
0.42Rate spread (pts)+0.20 pts vs state
$134kMedian applicant income
290Loans originated
191Denied
Trend in Arizona
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 815 | 337 | 35.8% | 8.75% | #73 |
| 2024 | 607 | 280 | 33.9% | 9.00% | #92 |
| 2025 | 616 | 290 | 31.0% | 7.63% | #100 |
What Pentagon Federal Credit Union lends in Arizona
By loan purpose
By loan type
Why it denied Arizona applicants
Where in Arizona
Counties with the most Pentagon Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Maricopa County | 410 | 195 | 130 | 31.7% |
| Pima County | 68 | 35 | 20 | 29.4% |
| Pinal County | 31 | 15 | 10 | 32.3% |
| Mohave County | 28 | 8 | 10 | 35.7% |
| Yavapai County | 27 | 14 | 9 | 33.3% |
| Yuma County | 17 | 5 | 3 | 17.6% |
| Cochise County | 17 | 13 | 2 | 11.8% |
| Coconino County | 6 | 1 | 2 | 33.3% |
| Navajo County | 4 | 2 | 2 | 50.0% |
| Apache County | 3 | 0 | 2 | 66.7% |
Other large lenders in Arizona
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 25,383 | 10.2% | 6.25% |
| Rocket Mortgage | C | 17,947 | 15.6% | 6.75% |
| Desert Financial Credit Union | B | 16,970 | 24.3% | 6.49% |
| Crosscountry Mortgage | B | 7,570 | 3.8% | 6.58% |
| Fairway Independent Mortgage | B | 6,729 | 5.6% | 6.63% |
| Bank of America | F | 6,229 | 32.2% | 6.24% |
| Loandepot.Com | D | 6,180 | 16.1% | 5.99% |
| Pennymac Loan Services | C | 5,838 | 11.7% | 6.62% |
| Nova Financial & Investment | C | 5,380 | 16.2% | 6.49% |
| Freedom Mortgage | B | 4,991 | 7.0% | 6.00% |
Frequently asked questions
Arizona: 616 applications in 2025, of which 290 were originated and 191 denied.
31.0% of all applications, or 39.5% of the applications it actually decided on. The Arizona statewide average across all lenders was 16.2%.
The median rate on loans Pentagon Federal Credit Union originated in Arizona in 2025 was 7.63%, against a statewide median of 6.50%.
About this data. Figures are Pentagon Federal Credit Union's own HMDA filing for properties located in Arizona, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology