Pentagon Federal Credit Union in Illinois vs the state
37.7%Denial rate+20.61 pts vs state
46.9%Decision denial rate+25.21 pts vs state
40.9%Origination rate-17.84 pts vs state
7.63%Median rate+0.88 pts vs state
0.45Rate spread (pts)+0.06 pts vs state
$139kMedian applicant income
245Loans originated
226Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 679 | 238 | 40.7% | 7.13% | #88 |
| 2024 | 592 | 197 | 42.2% | 9.00% | #101 |
| 2025 | 599 | 245 | 37.7% | 7.63% | #118 |
What Pentagon Federal Credit Union lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most Pentagon Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cook County | 272 | 104 | 109 | 40.1% |
| DuPage County | 64 | 30 | 23 | 35.9% |
| Lake County | 52 | 23 | 14 | 26.9% |
| Will County | 52 | 24 | 19 | 36.5% |
| Kane County | 21 | 10 | 9 | 42.9% |
| St. Clair County | 21 | 9 | 6 | 28.6% |
| McHenry County | 17 | 7 | 4 | 23.5% |
| Kendall County | 15 | 7 | 5 | 33.3% |
| Madison County | 9 | 6 | 1 | 11.1% |
| Winnebago County | 8 | 2 | 4 | 50.0% |
Other large lenders in Illinois
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Guaranteed Rate | B | 17,479 | 4.9% | 6.63% |
| Rocket Mortgage | C | 16,971 | 19.7% | 6.75% |
| United Shore Financial Services | B | 15,644 | 13.0% | 6.50% |
| JPMorgan Chase Bank | B | 13,574 | 9.7% | 6.49% |
| U.S. Bank | D | 10,076 | 38.3% | 7.00% |
| Crosscountry Mortgage | B | 8,779 | 4.5% | 6.75% |
| Fifth Third Bank | D | 8,628 | 32.1% | 7.50% |
| The Huntington National Bank | D | 8,226 | 31.9% | 6.99% |
| BMO Bank | F | 8,007 | 32.7% | 8.33% |
| Loandepot.Com | D | 7,019 | 17.7% | 6.88% |
Frequently asked questions
Illinois: 599 applications in 2025, of which 245 were originated and 226 denied.
37.7% of all applications, or 46.9% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
The median rate on loans Pentagon Federal Credit Union originated in Illinois in 2025 was 7.63%, against a statewide median of 6.75%.
About this data. Figures are Pentagon Federal Credit Union's own HMDA filing for properties located in Illinois, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology