Pentagon Federal Credit Union in Michigan vs the state
43.6%Denial rate+25.03 pts vs state
53.7%Decision denial rate+31.07 pts vs state
36.9%Origination rate-22.96 pts vs state
7.50%Median rate+0.75 pts vs state
0.43Rate spread (pts)+0.03 pts vs state
$117kMedian applicant income
106Loans originated
125Denied
Trend in Michigan
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 326 | 93 | 47.9% | 6.63% | #139 |
| 2024 | 281 | 82 | 47.7% | 8.94% | #174 |
| 2025 | 287 | 106 | 43.6% | 7.50% | #175 |
What Pentagon Federal Credit Union lends in Michigan
By loan purpose
By loan type
Why it denied Michigan applicants
Where in Michigan
Counties with the most Pentagon Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Wayne County | 44 | 18 | 17 | 38.6% |
| Oakland County | 41 | 18 | 10 | 24.4% |
| Macomb County | 39 | 11 | 20 | 51.3% |
| Kent County | 15 | 4 | 7 | 46.7% |
| Ingham County | 13 | 6 | 5 | 38.5% |
| Genesee County | 9 | 7 | 2 | 22.2% |
| Washtenaw County | 9 | 3 | 4 | 44.4% |
| Livingston County | 9 | 5 | 4 | 44.4% |
| Kalamazoo County | 8 | 1 | 6 | 75.0% |
| St. Clair County | 8 | 1 | 5 | 62.5% |
Other large lenders in Michigan
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 30,644 | 16.3% | 6.75% |
| United Shore Financial Services | B | 29,330 | 11.7% | 6.60% |
| The Huntington National Bank | D | 20,047 | 30.0% | 7.49% |
| Lake Michigan Credit Union | A | 16,662 | 5.6% | 6.75% |
| Fifth Third Bank | D | 11,176 | 26.4% | 7.50% |
| 21st Mortgage | F | 7,424 | 53.4% | 11.04% |
| Citizens Bank | C | 6,592 | 29.0% | 7.65% |
| Triad Financial Services | D | 6,426 | 56.1% | 8.49% |
| Union Home Mortgage | B | 5,303 | 4.3% | 6.75% |
| PNC Bank | D | 5,161 | 26.3% | 7.36% |
Frequently asked questions
Michigan: 287 applications in 2025, of which 106 were originated and 125 denied.
43.6% of all applications, or 53.7% of the applications it actually decided on. The Michigan statewide average across all lenders was 18.5%.
The median rate on loans Pentagon Federal Credit Union originated in Michigan 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 Michigan, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology