Pentagon Federal Credit Union in Oregon vs the state
35.9%Denial rate+20.62 pts vs state
44.6%Decision denial rate+25.46 pts vs state
43.7%Origination rate-16.90 pts vs state
7.75%Median rate+1.00 pts vs state
0.47Rate spread (pts)+0.19 pts vs state
$149kMedian applicant income
101Loans originated
83Denied
Trend in Oregon
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 239 | 94 | 34.3% | 8.31% | #95 |
| 2024 | 209 | 81 | 36.8% | 8.63% | #101 |
| 2025 | 231 | 101 | 35.9% | 7.75% | #108 |
What Pentagon Federal Credit Union lends in Oregon
By loan purpose
By loan type
Why it denied Oregon applicants
Where in Oregon
Counties with the most Pentagon Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Washington County | 35 | 17 | 13 | 37.1% |
| Clackamas County | 34 | 12 | 12 | 35.3% |
| Multnomah County | 32 | 17 | 8 | 25.0% |
| Lane County | 29 | 14 | 7 | 24.1% |
| Deschutes County | 21 | 11 | 7 | 33.3% |
| Marion County | 13 | 6 | 4 | 30.8% |
| Tillamook County | 8 | 5 | 2 | 25.0% |
| Coos County | 7 | 3 | 4 | 57.1% |
| Josephine County | 5 | 3 | 1 | 20.0% |
| Lincoln County | 5 | 1 | 3 | 60.0% |
Other large lenders in Oregon
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Onpoint Community Credit Union | B | 10,710 | 15.7% | 7.50% |
| Rocket Mortgage | C | 6,649 | 16.3% | 6.75% |
| United Shore Financial Services | B | 6,600 | 10.4% | 6.25% |
| Guild Mortgage | A | 6,034 | 2.6% | 6.55% |
| U.S. Bank | D | 4,875 | 31.6% | 7.85% |
| Umpqua Bank | C | 3,155 | 23.0% | 7.50% |
| Newrez | D | 2,945 | 12.9% | 6.63% |
| CMG Mortgage | A | 2,702 | 2.9% | 6.50% |
| Pennymac Loan Services | C | 2,642 | 10.2% | 6.62% |
| Rogue Credit Union | C | 2,511 | 10.2% | 7.49% |
Frequently asked questions
Oregon: 231 applications in 2025, of which 101 were originated and 83 denied.
35.9% of all applications, or 44.6% of the applications it actually decided on. The Oregon statewide average across all lenders was 15.3%.
The median rate on loans Pentagon Federal Credit Union originated in Oregon in 2025 was 7.75%, against a statewide median of 6.75%.
About this data. Figures are Pentagon Federal Credit Union's own HMDA filing for properties located in Oregon, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology