Pentagon Federal Credit Union in Colorado vs the state
34.4%Denial rate+18.81 pts vs state
44.1%Decision denial rate+24.41 pts vs state
43.3%Origination rate-16.75 pts vs state
7.63%Median rate+1.00 pts vs state
0.39Rate spread (pts)+0.24 pts vs state
$175kMedian applicant income
196Loans originated
156Denied
Trend in Colorado
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 618 | 266 | 30.3% | 8.31% | #83 |
| 2024 | 469 | 189 | 35.0% | 8.88% | #102 |
| 2025 | 453 | 196 | 34.4% | 7.63% | #113 |
What Pentagon Federal Credit Union lends in Colorado
By loan purpose
By loan type
Why it denied Colorado applicants
Where in Colorado
Counties with the most Pentagon Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| El Paso County | 80 | 33 | 26 | 32.5% |
| Douglas County | 53 | 21 | 22 | 41.5% |
| Arapahoe County | 48 | 20 | 17 | 35.4% |
| Denver County | 44 | 14 | 17 | 38.6% |
| Jefferson County | 41 | 24 | 11 | 26.8% |
| Weld County | 28 | 15 | 8 | 28.6% |
| Larimer County | 26 | 15 | 7 | 26.9% |
| Boulder County | 26 | 14 | 6 | 23.1% |
| Adams County | 24 | 12 | 7 | 29.2% |
| Mesa County | 9 | 7 | 1 | 11.1% |
Other large lenders in Colorado
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 23,111 | 8.8% | 6.13% |
| ENT Credit Union | B | 13,238 | 20.9% | 7.50% |
| Rocket Mortgage | C | 11,486 | 15.7% | 6.61% |
| Guild Mortgage | A | 6,232 | 3.1% | 6.62% |
| Bellco Credit Union | F | 5,863 | 40.9% | 8.00% |
| U.S. Bank | D | 4,978 | 36.0% | 7.95% |
| American Financing | D | 4,937 | 41.3% | 6.38% |
| FirstBank | C | 4,929 | 15.6% | 7.00% |
| Canvas Credit Union | C | 4,889 | 13.7% | 7.89% |
| Elevations | C | 4,426 | 10.8% | 6.88% |
Frequently asked questions
Colorado: 453 applications in 2025, of which 196 were originated and 156 denied.
34.4% of all applications, or 44.1% of the applications it actually decided on. The Colorado statewide average across all lenders was 15.6%.
The median rate on loans Pentagon Federal Credit Union originated in Colorado in 2025 was 7.63%, against a statewide median of 6.63%.
About this data. Figures are Pentagon Federal Credit Union's own HMDA filing for properties located in Colorado, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology