Pentagon Federal Credit Union in Massachusetts vs the state
38.1%Denial rate+21.89 pts vs state
45.8%Decision denial rate+25.88 pts vs state
44.2%Origination rate-18.44 pts vs state
7.63%Median rate+1.00 pts vs state
0.40Rate spread (pts)+0.31 pts vs state
$163kMedian applicant income
102Loans originated
88Denied
Trend in Massachusetts
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 322 | 96 | 44.7% | 7.81% | #111 |
| 2024 | 304 | 99 | 44.4% | 9.00% | #109 |
| 2025 | 231 | 102 | 38.1% | 7.63% | #143 |
What Pentagon Federal Credit Union lends in Massachusetts
By loan purpose
By loan type
Why it denied Massachusetts applicants
Where in Massachusetts
Counties with the most Pentagon Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Middlesex County | 43 | 21 | 11 | 25.6% |
| Essex County | 34 | 14 | 13 | 38.2% |
| Worcester County | 29 | 15 | 12 | 41.4% |
| Plymouth County | 25 | 11 | 10 | 40.0% |
| Suffolk County | 21 | 7 | 11 | 52.4% |
| Barnstable County | 20 | 7 | 12 | 60.0% |
| Hampden County | 19 | 7 | 8 | 42.1% |
| Norfolk County | 15 | 8 | 6 | 40.0% |
| Bristol County | 14 | 6 | 3 | 21.4% |
| Berkshire County | 7 | 3 | 2 | 28.6% |
Other large lenders in Massachusetts
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Citizens Bank | C | 17,476 | 29.0% | 7.40% |
| Rocket Mortgage | C | 8,698 | 15.9% | 6.75% |
| Bank of America | F | 7,784 | 30.1% | 5.99% |
| Guaranteed Rate | B | 7,313 | 4.5% | 6.50% |
| Eastern Bank | B | 6,216 | 31.8% | 6.99% |
| Rockland Trust | C | 5,990 | 28.6% | 6.99% |
| Leader Bank | A | 5,913 | 1.8% | 6.25% |
| United Shore Financial Services | B | 5,898 | 12.8% | 6.50% |
| Crosscountry Mortgage | B | 5,634 | 3.8% | 6.63% |
| TD Bank | D | 3,778 | 26.9% | 7.44% |
Frequently asked questions
Massachusetts: 231 applications in 2025, of which 102 were originated and 88 denied.
38.1% of all applications, or 45.8% of the applications it actually decided on. The Massachusetts statewide average across all lenders was 16.2%.
The median rate on loans Pentagon Federal Credit Union originated in Massachusetts 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 Massachusetts, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology