Pentagon Federal Credit Union in Kentucky vs the state
43.3%Denial rate+24.52 pts vs state
54.2%Decision denial rate+30.68 pts vs state
36.7%Origination rate-21.37 pts vs state
7.50%Median rate+0.75 pts vs state
0.55Rate spread (pts)+0.24 pts vs state
$117kMedian applicant income
55Loans originated
65Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 193 | 84 | 29.5% | 6.44% | #127 |
| 2024 | 182 | 88 | 34.6% | 7.94% | #138 |
| 2025 | 150 | 55 | 43.3% | 7.50% | #167 |
What Pentagon Federal Credit Union lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most Pentagon Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 36 | 16 | 11 | 30.6% |
| Fayette County | 13 | 5 | 4 | 30.8% |
| Boone County | 9 | 6 | 2 | 22.2% |
| Hardin County | 8 | 1 | 5 | 62.5% |
| Christian County | 7 | 4 | 3 | 42.9% |
| Warren County | 6 | 3 | 2 | 33.3% |
| Oldham County | 6 | 3 | 0 | 0.0% |
| Logan County | 4 | 0 | 2 | 50.0% |
| Kenton County | 4 | 2 | 2 | 50.0% |
| Daviess County | 3 | 1 | 2 | 66.7% |
Other large lenders in Kentucky
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 8,420 | 18.1% | 6.75% |
| Vanderbilt Mortgage and Finance | F | 8,220 | 44.8% | 9.50% |
| United Shore Financial Services | B | 6,871 | 9.8% | 6.50% |
| Fifth Third Bank | D | 5,663 | 25.5% | 7.75% |
| U.S. Bank | D | 4,887 | 29.5% | 7.00% |
| Mortgage Research Center | C | 3,617 | 18.0% | 6.25% |
| PNC Bank | D | 3,585 | 23.7% | 7.40% |
| 21st Mortgage | F | 3,478 | 48.0% | 9.95% |
| Commonwealth | C | 3,270 | 24.9% | 7.25% |
| Stockton Mortgage | D | 3,255 | 6.1% | 6.63% |
Frequently asked questions
Kentucky: 150 applications in 2025, of which 55 were originated and 65 denied.
43.3% of all applications, or 54.2% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans Pentagon Federal Credit Union originated in Kentucky in 2025 was 7.50%, against a statewide median of 6.75%.
About this data. Figures are Pentagon Federal Credit Union's own HMDA filing for properties located in Kentucky, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology