Pentagon Federal Credit Union in North Carolina vs the state
34.9%Denial rate+16.81 pts vs state
44.3%Decision denial rate+21.52 pts vs state
42.6%Origination rate-15.19 pts vs state
7.38%Median rate+0.88 pts vs state
0.27Rate spread (pts)+0.18 pts vs state
$124kMedian applicant income
517Loans originated
423Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,612 | 618 | 38.0% | 7.00% | #56 |
| 2024 | 1,334 | 515 | 39.8% | 8.25% | #63 |
| 2025 | 1,213 | 517 | 34.9% | 7.38% | #77 |
What Pentagon Federal Credit Union lends in North Carolina
By loan purpose
By loan type
Why it denied North Carolina applicants
Where in North Carolina
Counties with the most Pentagon Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Wake County | 190 | 81 | 68 | 35.8% |
| Mecklenburg County | 134 | 50 | 54 | 40.3% |
| Cumberland County | 104 | 46 | 38 | 36.5% |
| Guilford County | 48 | 18 | 19 | 39.6% |
| Union County | 43 | 18 | 18 | 41.9% |
| Durham County | 36 | 13 | 10 | 27.8% |
| Brunswick County | 34 | 14 | 13 | 38.2% |
| Onslow County | 34 | 13 | 13 | 38.2% |
| Cabarrus County | 33 | 18 | 12 | 36.4% |
| Forsyth County | 28 | 13 | 7 | 25.0% |
Other large lenders in North Carolina
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| State Employees' | C | 47,893 | 25.2% | 6.25% |
| Rocket Mortgage | C | 25,109 | 16.0% | 6.63% |
| United Shore Financial Services | B | 18,884 | 11.4% | 6.13% |
| Vanderbilt Mortgage and Finance | F | 15,008 | 38.0% | 7.75% |
| Truist Bank | C | 14,364 | 30.3% | 6.50% |
| Movement Mortgage | A | 11,091 | 2.6% | 6.63% |
| Navy Federal Credit Union | D | 10,565 | 19.4% | 7.13% |
| First-Citizens Bank & Trust | B | 10,319 | 19.6% | 6.38% |
| Bank of America | F | 10,276 | 28.2% | 6.24% |
| Mortgage Research Center | C | 10,029 | 17.7% | 6.25% |
Frequently asked questions
North Carolina: 1,213 applications in 2025, of which 517 were originated and 423 denied.
34.9% of all applications, or 44.3% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans Pentagon Federal Credit Union originated in North Carolina in 2025 was 7.38%, against a statewide median of 6.50%.
About this data. Figures are Pentagon Federal Credit Union's own HMDA filing for properties located in North Carolina, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology