Pentagon Federal Credit Union in North Dakota vs the state
28.6%Denial rate+17.13 pts vs state
33.3%Decision denial rate+19.61 pts vs state
57.1%Origination rate-12.55 pts vs state
7.75%Median rate+1.25 pts vs state
0.46Rate spread (pts)+0.22 pts vs state
$136kMedian applicant income
4Loans originated
2Denied
Trend in North Dakota
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 15 | 9 | 20.0% | 5.50% | #100 |
| 2024 | 13 | 5 | 53.9% | 6.88% | #104 |
| 2025 | 7 | 4 | 28.6% | 7.75% | #146 |
What Pentagon Federal Credit Union lends in North Dakota
By loan purpose
By loan type
Why it denied North Dakota applicants
Where in North Dakota
Counties with the most Pentagon Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| McKenzie County | 1 | 0 | 0 | 0.0% |
| Grand Forks County | 1 | 0 | 1 | 100.0% |
| Stark County | 1 | 0 | 1 | 100.0% |
| Burleigh County | 1 | 1 | 0 | 0.0% |
| Stutsman County | 1 | 1 | 0 | 0.0% |
| Emmons County | 1 | 1 | 0 | 0.0% |
| Ward County | 1 | 1 | 0 | 0.0% |
Other large lenders in North Dakota
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Gate City Bank | C | 3,106 | 11.3% | 6.65% |
| First International Bank & Trust | B | 1,112 | 4.0% | 6.63% |
| United Shore Financial Services | B | 881 | 7.5% | 6.25% |
| Rocket Mortgage | C | 827 | 21.6% | 6.63% |
| Bell Bank | A | 806 | 7.7% | 6.99% |
| First Community Credit Union | B | 675 | 7.1% | 6.49% |
| Capital | C | 646 | 3.7% | 7.00% |
| TOWN AND COUNTRY Credit Union | B | 571 | 2.1% | 6.25% |
| Mortgage Research Center | C | 500 | 13.6% | 6.25% |
| Fairway Independent Mortgage | B | 497 | 3.0% | 6.40% |
Frequently asked questions
North Dakota: 7 applications in 2025, of which 4 were originated and 2 denied.
28.6% of all applications, or 33.3% of the applications it actually decided on. The North Dakota statewide average across all lenders was 11.4%.
The median rate on loans Pentagon Federal Credit Union originated in North Dakota in 2025 was 7.75%, 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 Dakota, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology