Pentagon Federal Credit Union in New York vs the state
45.9%Denial rate+26.10 pts vs state
59.5%Decision denial rate+35.45 pts vs state
30.7%Origination rate-28.91 pts vs state
7.63%Median rate+1.00 pts vs state
0.39Rate spread (pts)+0.18 pts vs state
$147kMedian applicant income
281Loans originated
420Denied
Trend in New York
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,038 | 241 | 47.9% | 8.50% | #74 |
| 2024 | 1,110 | 275 | 47.0% | 9.00% | #76 |
| 2025 | 916 | 281 | 45.9% | 7.63% | #100 |
What Pentagon Federal Credit Union lends in New York
By loan purpose
By loan type
Why it denied New York applicants
Where in New York
Counties with the most Pentagon Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Nassau County | 121 | 30 | 59 | 48.8% |
| Suffolk County | 115 | 37 | 52 | 45.2% |
| Queens County | 106 | 18 | 64 | 60.4% |
| Westchester County | 80 | 27 | 31 | 38.8% |
| Kings County | 62 | 18 | 28 | 45.2% |
| Orange County | 55 | 21 | 24 | 43.6% |
| Erie County | 46 | 18 | 19 | 41.3% |
| Rockland County | 41 | 11 | 16 | 39.0% |
| Richmond County | 31 | 13 | 13 | 41.9% |
| Bronx County | 26 | 3 | 19 | 73.1% |
Other large lenders in New York
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Citizens Bank | C | 20,315 | 32.7% | 7.97% |
| Rocket Mortgage | C | 19,924 | 22.0% | 6.88% |
| United Shore Financial Services | B | 14,777 | 11.2% | 6.50% |
| JPMorgan Chase Bank | B | 14,735 | 11.7% | 6.38% |
| Manufacturers and Traders Trust | C | 12,335 | 31.3% | 5.99% |
| Bank of America | F | 10,193 | 35.7% | 5.99% |
| Bethpage Federal Credit Union | C | 9,736 | 47.2% | 6.49% |
| TD Bank | D | 9,239 | 30.2% | 7.69% |
| Newrez | D | 8,654 | 24.2% | 6.75% |
| ESL Federal Credit Union | B | 7,817 | 17.6% | 4.50% |
Frequently asked questions
New York: 916 applications in 2025, of which 281 were originated and 420 denied.
45.9% of all applications, or 59.5% of the applications it actually decided on. The New York statewide average across all lenders was 19.8%.
The median rate on loans Pentagon Federal Credit Union originated in New York 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 New York, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology