Pentagon Federal Credit Union in Oklahoma vs the state
34.9%Denial rate+16.95 pts vs state
43.4%Decision denial rate+20.57 pts vs state
44.7%Origination rate-11.36 pts vs state
6.94%Median rate+0.31 pts vs state
0.18Rate spread (pts)-0.17 pts vs state
$114kMedian applicant income
68Loans originated
53Denied
Trend in Oklahoma
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 198 | 84 | 32.8% | 6.50% | #111 |
| 2024 | 127 | 55 | 29.1% | 7.13% | #153 |
| 2025 | 152 | 68 | 34.9% | 6.94% | #148 |
What Pentagon Federal Credit Union lends in Oklahoma
By loan purpose
By loan type
Why it denied Oklahoma applicants
Where in Oklahoma
Counties with the most Pentagon Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Oklahoma County | 28 | 11 | 9 | 32.1% |
| Tulsa County | 26 | 10 | 9 | 34.6% |
| Comanche County | 13 | 5 | 4 | 30.8% |
| Cleveland County | 12 | 7 | 4 | 33.3% |
| Canadian County | 7 | 4 | 2 | 28.6% |
| Logan County | 5 | 3 | 0 | 0.0% |
| Payne County | 5 | 3 | 1 | 20.0% |
| Jackson County | 5 | 3 | 1 | 20.0% |
| Kay County | 4 | 0 | 3 | 75.0% |
| Garfield County | 3 | 2 | 0 | 0.0% |
Other large lenders in Oklahoma
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 6,990 | 24.0% | 6.75% |
| First United Bank and Trust | C | 5,630 | 5.9% | 6.88% |
| Arvest Bank | C | 5,387 | 17.6% | 7.00% |
| 21st Mortgage | F | 5,217 | 46.8% | 9.83% |
| BancFirst | C | 4,799 | 10.0% | 7.38% |
| BOKF | D | 4,227 | 20.2% | 6.63% |
| Mortgage Research Center | C | 4,012 | 18.8% | 6.25% |
| United Shore Financial Services | B | 3,735 | 13.8% | 6.13% |
| Associated Mortgage | A | 3,213 | 0.7% | 6.50% |
| Vanderbilt Mortgage and Finance | F | 2,610 | 38.3% | 9.75% |
Frequently asked questions
Oklahoma: 152 applications in 2025, of which 68 were originated and 53 denied.
34.9% of all applications, or 43.4% of the applications it actually decided on. The Oklahoma statewide average across all lenders was 17.9%.
The median rate on loans Pentagon Federal Credit Union originated in Oklahoma in 2025 was 6.94%, against a statewide median of 6.63%.
About this data. Figures are Pentagon Federal Credit Union's own HMDA filing for properties located in Oklahoma, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology