Pentagon Federal Credit Union in Pennsylvania vs the state
35.5%Denial rate+17.25 pts vs state
45.1%Decision denial rate+22.87 pts vs state
42.3%Origination rate-18.66 pts vs state
7.38%Median rate+0.75 pts vs state
0.27Rate spread (pts)+0.03 pts vs state
$120kMedian applicant income
338Loans originated
284Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,005 | 384 | 37.7% | 6.81% | #76 |
| 2024 | 934 | 342 | 39.4% | 8.63% | #87 |
| 2025 | 799 | 338 | 35.5% | 7.38% | #111 |
What Pentagon Federal Credit Union lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most Pentagon Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Montgomery County | 73 | 35 | 19 | 26.0% |
| Allegheny County | 70 | 31 | 24 | 34.3% |
| Bucks County | 61 | 25 | 19 | 31.1% |
| Philadelphia County | 60 | 20 | 28 | 46.7% |
| Chester County | 58 | 25 | 19 | 32.8% |
| Lackawanna County | 56 | 31 | 14 | 25.0% |
| Monroe County | 41 | 12 | 20 | 48.8% |
| York County | 41 | 10 | 19 | 46.3% |
| Delaware County | 30 | 8 | 14 | 46.7% |
| Cumberland County | 22 | 9 | 6 | 27.3% |
Other large lenders in Pennsylvania
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 22,411 | 18.6% | 6.75% |
| Citizens Bank | C | 18,256 | 28.1% | 7.65% |
| PNC Bank | D | 18,031 | 20.6% | 6.88% |
| United Shore Financial Services | B | 13,178 | 13.4% | 6.47% |
| Crosscountry Mortgage | B | 11,615 | 3.3% | 6.63% |
| Members 1st | B | 10,863 | 30.9% | 1.99% |
| First National Bank of Pennsylvania | B | 9,542 | 27.8% | 6.49% |
| Police & Fire | C | 8,460 | 34.6% | 6.25% |
| PENNSYLVANIA STATE EMPLOYEES Credit Union | C | 8,308 | 13.7% | 6.64% |
| Pennymac Loan Services | C | 7,900 | 12.6% | 6.50% |
Frequently asked questions
Pennsylvania: 799 applications in 2025, of which 338 were originated and 284 denied.
35.5% of all applications, or 45.1% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans Pentagon Federal Credit Union originated in Pennsylvania in 2025 was 7.38%, against a statewide median of 6.63%.
About this data. Figures are Pentagon Federal Credit Union's own HMDA filing for properties located in Pennsylvania, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology