Pentagon Federal Credit Union in South Dakota vs the state
35.0%Denial rate+22.25 pts vs state
41.2%Decision denial rate+25.45 pts vs state
50.0%Origination rate-16.04 pts vs state
7.50%Median rate+1.00 pts vs state
0.38Rate spread (pts)+0.19 pts vs state
$144kMedian applicant income
10Loans originated
7Denied
Trend in South Dakota
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 19 | 6 | 26.3% | 5.75% | #94 |
| 2024 | 27 | 8 | 51.9% | 7.94% | #86 |
| 2025 | 20 | 10 | 35.0% | 7.50% | #105 |
What Pentagon Federal Credit Union lends in South Dakota
By loan purpose
By loan type
Why it denied South Dakota applicants
Where in South Dakota
Counties with the most Pentagon Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Minnehaha County | 4 | 1 | 2 | 50.0% |
| Pennington County | 3 | 2 | 1 | 33.3% |
| Lake County | 3 | 1 | 2 | 66.7% |
| Stanley County | 2 | 2 | 0 | 0.0% |
| Meade County | 2 | 1 | 0 | 0.0% |
| McCook County | 1 | 1 | 0 | 0.0% |
| Lawrence County | 1 | 0 | 1 | 100.0% |
| Spink County | 1 | 1 | 0 | 0.0% |
| Hughes County | 1 | 1 | 0 | 0.0% |
| Lincoln County | 1 | 0 | 1 | 100.0% |
Other large lenders in South Dakota
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Plains Commerce Bank | B | 2,280 | 5.5% | 6.25% |
| First PREMIER Bank | C | 1,389 | 11.7% | 6.88% |
| First Bank & Trust | C | 1,320 | 11.2% | 6.63% |
| Black Hills Federal Credit Union | D | 1,223 | 23.0% | 7.75% |
| Rocket Mortgage | C | 1,027 | 16.9% | 6.75% |
| CMG Mortgage | A | 919 | 2.3% | 6.38% |
| Bankwest | F | 786 | 14.0% | 7.25% |
| First Dakota National Bank | A | 690 | 4.6% | 6.50% |
| Levo Federal Credit Union | B | 644 | 6.8% | 7.50% |
| U.S. Bank | D | 637 | 24.0% | 6.99% |
Frequently asked questions
South Dakota: 20 applications in 2025, of which 10 were originated and 7 denied.
35.0% of all applications, or 41.2% of the applications it actually decided on. The South Dakota statewide average across all lenders was 12.8%.
The median rate on loans Pentagon Federal Credit Union originated in South Dakota in 2025 was 7.50%, against a statewide median of 6.50%.
About this data. Figures are Pentagon Federal Credit Union's own HMDA filing for properties located in South Dakota, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology