Pentagon Federal Credit Union in Indiana vs the state
30.4%Denial rate+13.78 pts vs state
38.1%Decision denial rate+17.99 pts vs state
48.3%Origination rate-13.99 pts vs state
7.38%Median rate+0.63 pts vs state
0.43Rate spread (pts)+0.06 pts vs state
$112kMedian applicant income
97Loans originated
61Denied
Trend in Indiana
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 335 | 114 | 40.9% | 7.19% | #132 |
| 2024 | 267 | 97 | 40.8% | 8.50% | #160 |
| 2025 | 201 | 97 | 30.4% | 7.38% | #202 |
What Pentagon Federal Credit Union lends in Indiana
By loan purpose
By loan type
Why it denied Indiana applicants
Where in Indiana
Counties with the most Pentagon Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hamilton County | 25 | 13 | 7 | 28.0% |
| Marion County | 23 | 11 | 6 | 26.1% |
| Lake County | 18 | 7 | 6 | 33.3% |
| Allen County | 14 | 6 | 4 | 28.6% |
| Hendricks County | 13 | 7 | 3 | 23.1% |
| Johnson County | 11 | 7 | 2 | 18.2% |
| Hancock County | 8 | 5 | 2 | 25.0% |
| Vanderburgh County | 7 | 5 | 1 | 14.3% |
| Boone County | 6 | 3 | 2 | 33.3% |
| Henry County | 6 | 2 | 2 | 33.3% |
Other large lenders in Indiana
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 13,503 | 18.6% | 6.75% |
| Ruoff Mortgage Company | A | 8,860 | 4.0% | 6.75% |
| Fifth Third Bank | D | 8,693 | 27.6% | 7.75% |
| United Shore Financial Services | B | 8,659 | 12.2% | 6.38% |
| Freedom Mortgage | B | 5,454 | 8.9% | 6.25% |
| Newrez | D | 5,421 | 18.2% | 6.63% |
| First Merchants Bank | C | 5,114 | 19.9% | 6.76% |
| Fairway Independent Mortgage | B | 4,813 | 7.4% | 6.75% |
| Mortgage Research Center | C | 4,791 | 19.0% | 6.25% |
| PNC Bank | D | 4,724 | 25.1% | 7.55% |
Frequently asked questions
Indiana: 201 applications in 2025, of which 97 were originated and 61 denied.
30.4% of all applications, or 38.1% of the applications it actually decided on. The Indiana statewide average across all lenders was 16.6%.
The median rate on loans Pentagon Federal Credit Union originated in Indiana in 2025 was 7.38%, against a statewide median of 6.75%.
About this data. Figures are Pentagon Federal Credit Union's own HMDA filing for properties located in Indiana, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology