Pentagon Federal Credit Union in Missouri vs the state
28.7%Denial rate+13.66 pts vs state
35.7%Decision denial rate+16.95 pts vs state
51.9%Origination rate-10.79 pts vs state
7.63%Median rate+1.00 pts vs state
0.40Rate spread (pts)+0.05 pts vs state
$113kMedian applicant income
139Loans originated
77Denied
Trend in Missouri
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 330 | 138 | 35.2% | 6.44% | #107 |
| 2024 | 273 | 105 | 33.7% | 8.13% | #134 |
| 2025 | 268 | 139 | 28.7% | 7.63% | #150 |
What Pentagon Federal Credit Union lends in Missouri
By loan purpose
By loan type
Why it denied Missouri applicants
Where in Missouri
Counties with the most Pentagon Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| St. Louis County | 48 | 24 | 14 | 29.2% |
| Jackson County | 40 | 15 | 15 | 37.5% |
| Greene County | 14 | 9 | 5 | 35.7% |
| St. Charles County | 12 | 8 | 2 | 16.7% |
| Clay County | 12 | 6 | 5 | 41.7% |
| Johnson County | 11 | 7 | 1 | 9.1% |
| St. Louis city | 9 | 5 | 1 | 11.1% |
| Cass County | 9 | 7 | 1 | 11.1% |
| Christian County | 8 | 5 | 0 | 0.0% |
| Boone County | 7 | 4 | 2 | 28.6% |
Other large lenders in Missouri
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 10,460 | 18.4% | 6.63% |
| Flat Branch Mortgage | A | 8,999 | 0.9% | 6.63% |
| Guild Mortgage | A | 7,388 | 2.5% | 6.63% |
| U.S. Bank | D | 7,190 | 32.8% | 7.63% |
| The Central Trust Bank | C | 7,022 | 9.7% | 6.63% |
| United Shore Financial Services | B | 6,710 | 8.0% | 6.55% |
| Communityamerica Credit Union | B | 5,843 | 16.8% | 6.49% |
| Mortgage Research Center | C | 5,734 | 15.6% | 6.25% |
| Broker Solutions | D | 5,007 | 7.8% | 6.88% |
| Commerce Bank | D | 4,905 | 27.2% | 6.72% |
Frequently asked questions
Missouri: 268 applications in 2025, of which 139 were originated and 77 denied.
28.7% of all applications, or 35.7% of the applications it actually decided on. The Missouri statewide average across all lenders was 15.1%.
The median rate on loans Pentagon Federal Credit Union originated in Missouri 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 Missouri, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology