Pentagon Federal Credit Union in Ohio vs the state
35.9%Denial rate+18.23 pts vs state
45.5%Decision denial rate+23.62 pts vs state
43.0%Origination rate-16.88 pts vs state
7.13%Median rate+0.25 pts vs state
0.28Rate spread (pts)-0.11 pts vs state
$111kMedian applicant income
194Loans originated
162Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 530 | 207 | 37.7% | 6.88% | #107 |
| 2024 | 472 | 171 | 41.3% | 8.63% | #122 |
| 2025 | 451 | 194 | 35.9% | 7.13% | #152 |
What Pentagon Federal Credit Union lends in Ohio
By loan purpose
By loan type
Why it denied Ohio applicants
Where in Ohio
Counties with the most Pentagon Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Franklin County | 64 | 25 | 24 | 37.5% |
| Cuyahoga County | 56 | 18 | 26 | 46.4% |
| Summit County | 28 | 16 | 8 | 28.6% |
| Greene County | 23 | 12 | 5 | 21.7% |
| Montgomery County | 20 | 4 | 7 | 35.0% |
| Hamilton County | 19 | 6 | 7 | 36.8% |
| Lorain County | 18 | 12 | 4 | 22.2% |
| Butler County | 16 | 5 | 6 | 37.5% |
| Stark County | 15 | 7 | 5 | 33.3% |
| Lucas County | 15 | 9 | 4 | 26.7% |
Other large lenders in Ohio
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| The Huntington National Bank | D | 42,683 | 25.8% | 7.59% |
| Rocket Mortgage | C | 23,165 | 18.5% | 6.63% |
| Fifth Third Bank | D | 21,939 | 25.6% | 7.50% |
| Crosscountry Mortgage | B | 16,066 | 3.1% | 6.75% |
| United Shore Financial Services | B | 14,626 | 13.1% | 6.45% |
| Third Federal Savings and Loan Association of Cleveland | C | 12,622 | 23.0% | 6.74% |
| PNC Bank | D | 11,607 | 24.6% | 7.40% |
| Wright-Patt Credit Union | C | 8,791 | 28.1% | 7.50% |
| U.S. Bank | D | 8,623 | 38.0% | 7.60% |
| Citizens Bank | C | 7,775 | 24.3% | 7.65% |
Frequently asked questions
Ohio: 451 applications in 2025, of which 194 were originated and 162 denied.
35.9% of all applications, or 45.5% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.
The median rate on loans Pentagon Federal Credit Union originated in Ohio in 2025 was 7.13%, against a statewide median of 6.88%.
About this data. Figures are Pentagon Federal Credit Union's own HMDA filing for properties located in Ohio, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology