Pentagon Federal Credit Union in Puerto Rico vs the state
43.0%Denial rate+27.21 pts vs state
49.3%Decision denial rate+30.84 pts vs state
44.1%Origination rate-23.11 pts vs state
5.88%Median rate-0.25 pts vs state
-0.19Rate spread (pts)-0.26 pts vs state
$87kMedian applicant income
229Loans originated
223Denied
Trend in Puerto Rico
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 513 | 294 | 32.6% | 5.75% | #12 |
| 2024 | 479 | 269 | 32.2% | 6.00% | #12 |
| 2025 | 519 | 229 | 43.0% | 5.88% | #11 |
What Pentagon Federal Credit Union lends in Puerto Rico
By loan purpose
By loan type
Why it denied Puerto Rico applicants
Where in Puerto Rico
Counties with the most Pentagon Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| San Juan Municipio | 59 | 22 | 26 | 44.1% |
| Bayamón Municipio | 37 | 17 | 16 | 43.2% |
| Ponce Municipio | 22 | 11 | 8 | 36.4% |
| Carolina Municipio | 22 | 9 | 11 | 50.0% |
| Guaynabo Municipio | 18 | 8 | 8 | 44.4% |
| Dorado Municipio | 17 | 9 | 3 | 17.6% |
| Aguadilla Municipio | 17 | 11 | 4 | 23.5% |
| Humacao Municipio | 16 | 4 | 8 | 50.0% |
| Caguas Municipio | 14 | 6 | 8 | 57.1% |
| Cabo Rojo Municipio | 14 | 5 | 5 | 35.7% |
Other large lenders in Puerto Rico
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Banco Popular de Puerto Rico | C | 3,894 | 20.4% | 6.25% |
| Firstbank Puerto Rico | C | 3,233 | 22.0% | 5.75% |
| Oriental Bank | C | 1,708 | 20.0% | 5.50% |
| The Money House | B | 1,602 | 10.8% | 6.00% |
| First Equity Mortgage Bankers | D | 1,517 | 17.7% | 6.00% |
| Preferred Mortgage | C | 732 | 11.6% | 5.75% |
| Hr Mortgage | D | 697 | 20.8% | 6.25% |
| Home Mortgage Bankers | C | 678 | 0.3% | 6.50% |
| Metro Island Mortgage | A | 588 | 0.2% | 5.75% |
| Trust Mortgage | C | 559 | 8.1% | 5.75% |
Frequently asked questions
Puerto Rico: 519 applications in 2025, of which 229 were originated and 223 denied.
43.0% of all applications, or 49.3% of the applications it actually decided on. The Puerto Rico statewide average across all lenders was 15.8%.
The median rate on loans Pentagon Federal Credit Union originated in Puerto Rico in 2025 was 5.88%, against a statewide median of 6.13%.
About this data. Figures are Pentagon Federal Credit Union's own HMDA filing for properties located in Puerto Rico, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology