Pentagon Federal Credit Union in Minnesota vs the state
33.0%Denial rate+19.35 pts vs state
40.9%Decision denial rate+24.50 pts vs state
46.6%Origination rate-19.78 pts vs state
7.75%Median rate+1.13 pts vs state
0.55Rate spread (pts)+0.30 pts vs state
$120kMedian applicant income
82Loans originated
58Denied
Trend in Minnesota
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 198 | 74 | 40.4% | 7.19% | #125 |
| 2024 | 174 | 60 | 39.7% | 8.63% | #139 |
| 2025 | 176 | 82 | 33.0% | 7.75% | #145 |
What Pentagon Federal Credit Union lends in Minnesota
By loan purpose
By loan type
Why it denied Minnesota applicants
Where in Minnesota
Counties with the most Pentagon Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hennepin County | 34 | 17 | 11 | 32.4% |
| Dakota County | 17 | 8 | 5 | 29.4% |
| Ramsey County | 17 | 9 | 5 | 29.4% |
| Washington County | 11 | 4 | 6 | 54.5% |
| St. Louis County | 11 | 4 | 3 | 27.3% |
| Scott County | 7 | 4 | 2 | 28.6% |
| Anoka County | 7 | 4 | 1 | 14.3% |
| Carver County | 7 | 3 | 2 | 28.6% |
| Stearns County | 6 | 2 | 2 | 33.3% |
| Wright County | 5 | 0 | 3 | 60.0% |
Other large lenders in Minnesota
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 8,694 | 10.6% | 6.38% |
| U.S. Bank | D | 8,624 | 30.4% | 7.88% |
| Bell Bank | A | 7,987 | 5.3% | 6.63% |
| Rocket Mortgage | C | 7,630 | 16.3% | 6.63% |
| Trustone Financial Credit Union | C | 6,066 | 20.0% | 7.25% |
| Affinity Plus | C | 5,438 | 14.6% | 6.63% |
| Blaze Credit Union | B | 4,074 | 12.3% | 6.38% |
| Wings Financial Credit Union | A | 3,960 | 16.4% | 7.25% |
| Crosscountry Mortgage | B | 3,942 | 2.1% | 6.63% |
| Fairway Independent Mortgage | B | 3,327 | 3.2% | 6.75% |
Frequently asked questions
Minnesota: 176 applications in 2025, of which 82 were originated and 58 denied.
33.0% of all applications, or 40.9% of the applications it actually decided on. The Minnesota statewide average across all lenders was 13.6%.
The median rate on loans Pentagon Federal Credit Union originated in Minnesota in 2025 was 7.75%, against a statewide median of 6.63%.
About this data. Figures are Pentagon Federal Credit Union's own HMDA filing for properties located in Minnesota, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology