Pentagon Federal Credit Union in Georgia vs the state
39.4%Denial rate+20.17 pts vs state
48.7%Decision denial rate+23.62 pts vs state
41.0%Origination rate-13.11 pts vs state
7.50%Median rate+0.88 pts vs state
0.39Rate spread (pts)+0.12 pts vs state
$129kMedian applicant income
541Loans originated
520Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,753 | 654 | 41.2% | 8.38% | #50 |
| 2024 | 1,485 | 551 | 40.1% | 8.75% | #58 |
| 2025 | 1,320 | 541 | 39.4% | 7.50% | #74 |
What Pentagon Federal Credit Union lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most Pentagon Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fulton County | 184 | 74 | 75 | 40.8% |
| Cobb County | 128 | 61 | 41 | 32.0% |
| Gwinnett County | 121 | 44 | 56 | 46.3% |
| Columbia County | 74 | 31 | 23 | 31.1% |
| DeKalb County | 73 | 24 | 40 | 54.8% |
| Richmond County | 71 | 23 | 32 | 45.1% |
| Forsyth County | 56 | 25 | 16 | 28.6% |
| Cherokee County | 47 | 24 | 14 | 29.8% |
| Henry County | 45 | 18 | 20 | 44.4% |
| Chatham County | 43 | 17 | 15 | 34.9% |
Other large lenders in Georgia
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 29,845 | 18.2% | 6.63% |
| United Shore Financial Services | B | 23,784 | 12.6% | 6.25% |
| Navy Federal Credit Union | D | 12,388 | 26.4% | 7.95% |
| Truist Bank | C | 10,563 | 38.7% | 6.49% |
| Pennymac Loan Services | C | 10,273 | 11.6% | 6.49% |
| Broker Solutions | D | 9,709 | 8.6% | 6.63% |
| Mortgage Research Center | C | 9,443 | 19.8% | 6.25% |
| Freedom Mortgage | B | 9,293 | 9.1% | 6.25% |
| Bank of America | F | 9,168 | 36.5% | 6.24% |
| Ameris Bank | B | 8,065 | 10.1% | 6.50% |
Frequently asked questions
Georgia: 1,320 applications in 2025, of which 541 were originated and 520 denied.
39.4% of all applications, or 48.7% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans Pentagon Federal Credit Union originated in Georgia 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 Georgia, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology