Pentagon Federal Credit Union in Idaho vs the state
29.0%Denial rate+14.54 pts vs state
38.5%Decision denial rate+20.94 pts vs state
46.4%Origination rate-16.64 pts vs state
7.63%Median rate+1.00 pts vs state
0.41Rate spread (pts)+0.25 pts vs state
$141kMedian applicant income
32Loans originated
20Denied
Trend in Idaho
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 101 | 44 | 30.7% | 8.50% | #102 |
| 2024 | 80 | 31 | 42.5% | 9.00% | #122 |
| 2025 | 69 | 32 | 29.0% | 7.63% | #142 |
What Pentagon Federal Credit Union lends in Idaho
By loan purpose
By loan type
Why it denied Idaho applicants
Where in Idaho
Counties with the most Pentagon Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Ada County | 22 | 14 | 4 | 18.2% |
| Kootenai County | 9 | 5 | 1 | 11.1% |
| Canyon County | 8 | 2 | 2 | 25.0% |
| Bonner County | 8 | 5 | 1 | 12.5% |
| Bonneville County | 4 | 2 | 0 | 0.0% |
| Teton County | 4 | 1 | 3 | 75.0% |
| Gooding County | 2 | 0 | 1 | 50.0% |
| Gem County | 2 | 0 | 2 | 100.0% |
| Blaine County | 2 | 0 | 2 | 100.0% |
| Bingham County | 1 | 0 | 1 | 100.0% |
Other large lenders in Idaho
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Idaho Central Credit Union | A | 15,644 | 16.5% | 7.00% |
| Rocket Mortgage | C | 4,391 | 13.3% | 6.63% |
| United Shore Financial Services | B | 3,943 | 9.1% | 6.12% |
| Premier Mortgage Resources | B | 2,504 | 2.7% | 6.25% |
| Mountain America Federal Credit Union | D | 2,323 | 37.7% | 7.24% |
| Guild Mortgage | A | 2,320 | 3.4% | 6.50% |
| U.S. Bank | D | 2,161 | 28.6% | 7.35% |
| Loandepot.Com | D | 1,622 | 14.2% | 6.50% |
| Glacier Bank | D | 1,507 | 14.5% | 6.88% |
| Pennymac Loan Services | C | 1,297 | 10.8% | 6.50% |
Frequently asked questions
Idaho: 69 applications in 2025, of which 32 were originated and 20 denied.
29.0% of all applications, or 38.5% of the applications it actually decided on. The Idaho statewide average across all lenders was 14.5%.
The median rate on loans Pentagon Federal Credit Union originated in Idaho 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 Idaho, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology