Pentagon Federal Credit Union in New Mexico vs the state
31.0%Denial rate+12.35 pts vs state
40.6%Decision denial rate+15.97 pts vs state
44.4%Origination rate-8.90 pts vs state
7.31%Median rate+0.69 pts vs state
0.16Rate spread (pts)-0.23 pts vs state
$123kMedian applicant income
56Loans originated
39Denied
Trend in New Mexico
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 189 | 88 | 31.2% | 6.00% | #74 |
| 2024 | 140 | 61 | 32.9% | 6.63% | #85 |
| 2025 | 126 | 56 | 31.0% | 7.31% | #97 |
What Pentagon Federal Credit Union lends in New Mexico
By loan purpose
By loan type
Why it denied New Mexico applicants
Where in New Mexico
Counties with the most Pentagon Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Bernalillo County | 45 | 17 | 16 | 35.6% |
| Doña Ana County | 19 | 10 | 6 | 31.6% |
| Santa Fe County | 15 | 8 | 5 | 33.3% |
| Sandoval County | 10 | 4 | 4 | 40.0% |
| Curry County | 10 | 3 | 1 | 10.0% |
| Otero County | 6 | 4 | 1 | 16.7% |
| San Juan County | 4 | 2 | 2 | 50.0% |
| Eddy County | 3 | 1 | 0 | 0.0% |
| Roosevelt County | 2 | 2 | 0 | 0.0% |
| Valencia County | 2 | 0 | 1 | 50.0% |
Other large lenders in New Mexico
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 4,440 | 20.5% | 6.75% |
| 21st Mortgage | F | 3,992 | 45.5% | 9.60% |
| United Shore Financial Services | B | 3,251 | 12.8% | 6.13% |
| Guild Mortgage | A | 3,186 | 4.3% | 6.63% |
| Nusenda | D | 2,962 | 13.7% | 8.00% |
| Waterstone Mortgage | C | 2,740 | 3.2% | 6.88% |
| Vanderbilt Mortgage and Finance | F | 2,085 | 46.4% | 9.99% |
| Sunward Federal Credit Union | B | 1,765 | 9.1% | 6.50% |
| Mortgage Research Center | C | 1,683 | 15.9% | 6.25% |
| Primary Residential Mortgage | C | 1,497 | 4.9% | 6.63% |
Frequently asked questions
New Mexico: 126 applications in 2025, of which 56 were originated and 39 denied.
31.0% of all applications, or 40.6% of the applications it actually decided on. The New Mexico statewide average across all lenders was 18.6%.
The median rate on loans Pentagon Federal Credit Union originated in New Mexico in 2025 was 7.31%, against a statewide median of 6.63%.
About this data. Figures are Pentagon Federal Credit Union's own HMDA filing for properties located in New Mexico, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology