Pentagon Federal Credit Union in Tennessee vs the state
32.6%Denial rate+15.48 pts vs state
40.3%Decision denial rate+18.58 pts vs state
47.8%Origination rate-10.32 pts vs state
7.25%Median rate+0.63 pts vs state
0.18Rate spread (pts)-0.05 pts vs state
$124kMedian applicant income
224Loans originated
153Denied
Trend in Tennessee
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 702 | 310 | 33.1% | 6.38% | #85 |
| 2024 | 549 | 217 | 36.3% | 7.38% | #97 |
| 2025 | 469 | 224 | 32.6% | 7.25% | #120 |
What Pentagon Federal Credit Union lends in Tennessee
By loan purpose
By loan type
Why it denied Tennessee applicants
Where in Tennessee
Counties with the most Pentagon Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Davidson County | 56 | 31 | 18 | 32.1% |
| Montgomery County | 56 | 34 | 12 | 21.4% |
| Williamson County | 44 | 28 | 6 | 13.6% |
| Shelby County | 41 | 17 | 13 | 31.7% |
| Hamilton County | 35 | 11 | 15 | 42.9% |
| Rutherford County | 26 | 16 | 4 | 15.4% |
| Knox County | 24 | 12 | 3 | 12.5% |
| Sumner County | 21 | 9 | 7 | 33.3% |
| Robertson County | 15 | 6 | 6 | 40.0% |
| Wilson County | 12 | 4 | 7 | 58.3% |
Other large lenders in Tennessee
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 16,503 | 17.3% | 6.50% |
| United Shore Financial Services | B | 12,458 | 10.9% | 6.12% |
| Regions Bank | C | 11,247 | 36.5% | 4.99% |
| Vanderbilt Mortgage and Finance | F | 9,649 | 35.8% | 8.75% |
| Mortgage Research Center | C | 6,568 | 17.3% | 6.25% |
| FirstBank | C | 5,677 | 14.5% | 6.88% |
| CMG Mortgage | A | 5,643 | 2.9% | 6.50% |
| Freedom Mortgage | B | 5,493 | 8.0% | 6.25% |
| Pennymac Loan Services | C | 5,331 | 11.2% | 6.00% |
| Mortgage Investors Group | B | 4,454 | 3.5% | 6.50% |
Frequently asked questions
Tennessee: 469 applications in 2025, of which 224 were originated and 153 denied.
32.6% of all applications, or 40.3% of the applications it actually decided on. The Tennessee statewide average across all lenders was 17.1%.
The median rate on loans Pentagon Federal Credit Union originated in Tennessee in 2025 was 7.25%, against a statewide median of 6.62%.
About this data. Figures are Pentagon Federal Credit Union's own HMDA filing for properties located in Tennessee, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology