Pentagon Federal Credit Union in California vs the state
38.3%Denial rate+20.84 pts vs state
46.7%Decision denial rate+24.26 pts vs state
42.9%Origination rate-13.28 pts vs state
7.75%Median rate+1.13 pts vs state
0.49Rate spread (pts)+0.22 pts vs state
$185kMedian applicant income
1,113Loans originated
992Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 2,967 | 991 | 41.7% | 9.00% | #58 |
| 2024 | 2,805 | 1,007 | 38.7% | 9.00% | #62 |
| 2025 | 2,593 | 1,113 | 38.3% | 7.75% | #76 |
What Pentagon Federal Credit Union lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Pentagon Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 588 | 241 | 235 | 40.0% |
| San Diego County | 314 | 149 | 100 | 31.8% |
| Orange County | 274 | 109 | 109 | 39.8% |
| Riverside County | 195 | 86 | 84 | 43.1% |
| Alameda County | 131 | 66 | 46 | 35.1% |
| Contra Costa County | 118 | 52 | 37 | 31.4% |
| San Bernardino County | 112 | 44 | 48 | 42.9% |
| Sacramento County | 96 | 39 | 45 | 46.9% |
| Santa Clara County | 86 | 32 | 40 | 46.5% |
| Ventura County | 81 | 39 | 32 | 39.5% |
Other large lenders in California
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 79,261 | 12.6% | 6.49% |
| Rocket Mortgage | C | 58,925 | 17.6% | 6.75% |
| Bank of America | F | 40,190 | 30.8% | 5.99% |
| U.S. Bank | D | 32,493 | 31.6% | 6.50% |
| JPMorgan Chase Bank | B | 22,048 | 9.7% | 6.13% |
| Spring Eq | D | 21,601 | 50.8% | 8.88% |
| Schoolsfirst | A | 19,086 | 10.0% | 6.25% |
| Pennymac Loan Services | C | 18,754 | 13.5% | 6.50% |
| Newrez | D | 17,000 | 19.3% | 6.63% |
| Loandepot.Com | D | 16,645 | 18.7% | 6.63% |
Frequently asked questions
California: 2,593 applications in 2025, of which 1,113 were originated and 992 denied.
38.3% of all applications, or 46.7% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Pentagon Federal Credit Union originated in California in 2025 was 7.75%, against a statewide median of 6.63%.
About this data. Figures are Pentagon Federal Credit Union's own HMDA filing for properties located in California, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology