Pentagon Federal Credit Union in Florida vs the state
38.6%Denial rate+17.54 pts vs state
49.0%Decision denial rate+21.77 pts vs state
39.7%Origination rate-12.98 pts vs state
7.50%Median rate+0.88 pts vs state
0.31Rate spread (pts)+0.04 pts vs state
$130kMedian applicant income
972Loans originated
945Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 3,500 | 1,154 | 42.7% | 7.75% | #58 |
| 2024 | 2,731 | 885 | 42.2% | 8.63% | #69 |
| 2025 | 2,448 | 972 | 38.6% | 7.50% | #83 |
What Pentagon Federal Credit Union lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Pentagon Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Broward County | 249 | 88 | 115 | 46.2% |
| Miami-Dade County | 217 | 76 | 105 | 48.4% |
| Palm Beach County | 214 | 89 | 86 | 40.2% |
| Hillsborough County | 171 | 69 | 62 | 36.3% |
| Orange County | 161 | 60 | 69 | 42.9% |
| Pinellas County | 101 | 38 | 36 | 35.6% |
| Osceola County | 93 | 27 | 38 | 40.9% |
| Polk County | 85 | 35 | 32 | 37.6% |
| Pasco County | 72 | 32 | 24 | 33.3% |
| Brevard County | 68 | 29 | 28 | 41.2% |
Other large lenders in Florida
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 71,405 | 15.3% | 6.44% |
| Rocket Mortgage | C | 46,611 | 21.0% | 6.63% |
| Bank of America | F | 23,634 | 37.7% | 6.24% |
| Pennymac Loan Services | C | 19,516 | 14.1% | 6.50% |
| Navy Federal Credit Union | D | 19,452 | 23.2% | 7.59% |
| Crosscountry Mortgage | B | 19,103 | 5.2% | 6.75% |
| Newrez | D | 17,519 | 22.4% | 6.75% |
| Dhi Mortgage Company | B | 16,661 | 14.5% | 4.88% |
| Lennar Mortgage | A | 14,984 | 21.0% | 4.75% |
| Truist Bank | C | 14,140 | 41.5% | 6.60% |
Frequently asked questions
Florida: 2,448 applications in 2025, of which 972 were originated and 945 denied.
38.6% of all applications, or 49.0% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Pentagon Federal Credit Union originated in Florida in 2025 was 7.50%, against a statewide median of 6.63%.
About this data. Figures are Pentagon Federal Credit Union's own HMDA filing for properties located in Florida, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology