Pentagon Federal Credit Union in Texas vs the state
40.9%Denial rate+21.48 pts vs state
50.8%Decision denial rate+25.93 pts vs state
39.0%Origination rate-15.89 pts vs state
7.38%Median rate+0.88 pts vs state
0.29Rate spread (pts)+0.09 pts vs state
$138kMedian applicant income
1,055Loans originated
1,107Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 3,943 | 1,306 | 44.3% | 6.88% | #48 |
| 2024 | 3,106 | 1,013 | 44.8% | 8.63% | #63 |
| 2025 | 2,706 | 1,055 | 40.9% | 7.38% | #75 |
What Pentagon Federal Credit Union lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Pentagon Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Bexar County | 334 | 138 | 118 | 35.3% |
| Harris County | 242 | 78 | 116 | 47.9% |
| Collin County | 197 | 81 | 75 | 38.1% |
| Dallas County | 197 | 74 | 85 | 43.1% |
| Bell County | 191 | 74 | 71 | 37.2% |
| Tarrant County | 190 | 77 | 80 | 42.1% |
| Denton County | 179 | 85 | 63 | 35.2% |
| Travis County | 91 | 21 | 50 | 54.9% |
| Fort Bend County | 89 | 33 | 38 | 42.7% |
| Montgomery County | 79 | 36 | 30 | 38.0% |
Other large lenders in Texas
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 56,491 | 11.0% | 6.25% |
| Rocket Mortgage | C | 45,658 | 22.4% | 6.63% |
| 21st Mortgage | F | 37,961 | 45.9% | 9.94% |
| Dhi Mortgage Company | B | 26,348 | 13.5% | 4.50% |
| Lennar Mortgage | A | 21,959 | 20.5% | 4.50% |
| Bank of America | F | 18,008 | 43.0% | 6.24% |
| JPMorgan Chase Bank | B | 16,260 | 9.8% | 6.45% |
| CMG Mortgage | A | 15,978 | 3.9% | 6.50% |
| Vanderbilt Mortgage and Finance | F | 15,683 | 44.7% | 10.50% |
| Triad Financial Services | D | 15,158 | 50.0% | 9.35% |
Frequently asked questions
Texas: 2,706 applications in 2025, of which 1,055 were originated and 1,107 denied.
40.9% of all applications, or 50.8% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Pentagon Federal Credit Union originated in Texas in 2025 was 7.38%, against a statewide median of 6.50%.
About this data. Figures are Pentagon Federal Credit Union's own HMDA filing for properties located in Texas, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology