Pentagon Federal Credit Union in Maryland vs the state
37.7%Denial rate+18.85 pts vs state
47.9%Decision denial rate+23.80 pts vs state
40.1%Origination rate-15.66 pts vs state
7.56%Median rate+0.94 pts vs state
0.39Rate spread (pts)+0.14 pts vs state
$152kMedian applicant income
652Loans originated
613Denied
Trend in Maryland
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,881 | 703 | 36.4% | 8.00% | #23 |
| 2024 | 1,660 | 645 | 38.3% | 9.00% | #30 |
| 2025 | 1,628 | 652 | 37.7% | 7.56% | #32 |
What Pentagon Federal Credit Union lends in Maryland
By loan purpose
By loan type
Why it denied Maryland applicants
Where in Maryland
Counties with the most Pentagon Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Prince George's County | 380 | 118 | 168 | 44.2% |
| Montgomery County | 341 | 141 | 108 | 31.7% |
| Anne Arundel County | 178 | 85 | 58 | 32.6% |
| Howard County | 117 | 55 | 43 | 36.8% |
| Frederick County | 99 | 46 | 33 | 33.3% |
| Baltimore County | 91 | 39 | 38 | 41.8% |
| Charles County | 85 | 35 | 28 | 32.9% |
| Baltimore city | 73 | 17 | 40 | 54.8% |
| Harford County | 45 | 24 | 14 | 31.1% |
| Calvert County | 34 | 19 | 11 | 32.4% |
Other large lenders in Maryland
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 12,806 | 16.8% | 6.63% |
| Navy Federal Credit Union | D | 11,436 | 23.0% | 8.00% |
| United Shore Financial Services | B | 9,307 | 16.0% | 6.13% |
| Truist Bank | C | 6,559 | 34.9% | 6.49% |
| Bank of America | F | 6,051 | 35.8% | 6.24% |
| Newrez | D | 5,739 | 21.0% | 6.63% |
| State Employees Credit Union of Maryland | D | 5,624 | 44.6% | 6.25% |
| PNC Bank | D | 5,582 | 28.0% | 7.41% |
| Manufacturers and Traders Trust | C | 5,497 | 32.0% | 5.99% |
| Pennymac Loan Services | C | 5,411 | 12.4% | 6.49% |
Frequently asked questions
Maryland: 1,628 applications in 2025, of which 652 were originated and 613 denied.
37.7% of all applications, or 47.9% of the applications it actually decided on. The Maryland statewide average across all lenders was 18.8%.
The median rate on loans Pentagon Federal Credit Union originated in Maryland in 2025 was 7.56%, against a statewide median of 6.63%.
About this data. Figures are Pentagon Federal Credit Union's own HMDA filing for properties located in Maryland, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology