Pentagon Federal Credit Union in Arkansas vs the state
40.2%Denial rate+22.00 pts vs state
47.8%Decision denial rate+24.65 pts vs state
43.0%Origination rate-13.84 pts vs state
7.13%Median rate+0.50 pts vs state
0.21Rate spread (pts)-0.13 pts vs state
$119kMedian applicant income
46Loans originated
43Denied
Trend in Arkansas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 215 | 91 | 34.0% | 6.38% | #97 |
| 2024 | 162 | 69 | 35.8% | 6.88% | #113 |
| 2025 | 107 | 46 | 40.2% | 7.13% | #146 |
What Pentagon Federal Credit Union lends in Arkansas
By loan purpose
By loan type
Why it denied Arkansas applicants
Where in Arkansas
Counties with the most Pentagon Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Benton County | 28 | 10 | 14 | 50.0% |
| Pulaski County | 15 | 8 | 5 | 33.3% |
| Washington County | 12 | 3 | 5 | 41.7% |
| Saline County | 7 | 7 | 0 | 0.0% |
| Sebastian County | 5 | 2 | 1 | 20.0% |
| Lonoke County | 4 | 2 | 1 | 25.0% |
| Garland County | 4 | 1 | 2 | 50.0% |
| Jefferson County | 3 | 1 | 1 | 33.3% |
| Hempstead County | 3 | 0 | 1 | 33.3% |
| Faulkner County | 3 | 1 | 1 | 33.3% |
Other large lenders in Arkansas
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Arvest Bank | C | 9,748 | 14.4% | 7.00% |
| Rocket Mortgage | C | 5,854 | 20.1% | 6.63% |
| ARKANSAS Federal Credit Union | F | 4,439 | 23.6% | 7.50% |
| Vanderbilt Mortgage and Finance | F | 3,491 | 38.4% | 10.25% |
| 21st Mortgage | F | 3,250 | 46.6% | 9.69% |
| Mortgage Research Center | C | 2,767 | 18.3% | 6.25% |
| Regions Bank | C | 2,646 | 40.0% | 6.13% |
| Firsttrust Home Loans | B | 2,590 | 0.5% | 6.49% |
| United Shore Financial Services | B | 2,456 | 13.3% | 6.12% |
| Triad Financial Services | D | 2,133 | 54.2% | 8.68% |
Frequently asked questions
Arkansas: 107 applications in 2025, of which 46 were originated and 43 denied.
40.2% of all applications, or 47.8% of the applications it actually decided on. The Arkansas statewide average across all lenders was 18.2%.
The median rate on loans Pentagon Federal Credit Union originated in Arkansas in 2025 was 7.13%, against a statewide median of 6.63%.
About this data. Figures are Pentagon Federal Credit Union's own HMDA filing for properties located in Arkansas, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology