Pentagon Federal Credit Union in Utah vs the state
45.7%Denial rate+29.73 pts vs state
55.2%Decision denial rate+36.03 pts vs state
37.1%Origination rate-26.17 pts vs state
7.38%Median rate+0.75 pts vs state
0.36Rate spread (pts)+0.12 pts vs state
$140kMedian applicant income
43Loans originated
53Denied
Trend in Utah
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 134 | 53 | 28.4% | 8.75% | #108 |
| 2024 | 101 | 29 | 43.6% | 8.63% | #131 |
| 2025 | 116 | 43 | 45.7% | 7.38% | #127 |
What Pentagon Federal Credit Union lends in Utah
By loan purpose
By loan type
Why it denied Utah applicants
Where in Utah
Counties with the most Pentagon Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Salt Lake County | 36 | 12 | 20 | 55.6% |
| Utah County | 24 | 10 | 10 | 41.7% |
| Washington County | 17 | 6 | 6 | 35.3% |
| Davis County | 11 | 5 | 4 | 36.4% |
| Summit County | 6 | 3 | 2 | 33.3% |
| Weber County | 5 | 2 | 2 | 40.0% |
| Cache County | 3 | 2 | 1 | 33.3% |
| Wasatch County | 3 | 1 | 1 | 33.3% |
| San Juan County | 2 | 1 | 1 | 50.0% |
| Box Elder County | 2 | 0 | 2 | 100.0% |
Other large lenders in Utah
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| AMERICA FIRST Federal Credit Union | C | 16,303 | 18.3% | 6.99% |
| Mountain America Federal Credit Union | D | 15,401 | 36.5% | 7.24% |
| United Shore Financial Services | B | 11,325 | 8.5% | 6.25% |
| Rocket Mortgage | C | 6,276 | 14.6% | 6.63% |
| Guild Mortgage | A | 5,427 | 1.5% | 6.50% |
| Intercap Lending | A | 4,881 | 0.7% | 6.50% |
| Goldenwest | B | 4,794 | 17.6% | 7.50% |
| First Colony Mortgage | A | 3,499 | 2.1% | 6.38% |
| Kind Lending | C | 3,227 | 20.3% | 6.50% |
| Zions Bancorporation | B | 3,013 | 22.9% | 6.49% |
Frequently asked questions
Utah: 116 applications in 2025, of which 43 were originated and 53 denied.
45.7% of all applications, or 55.2% of the applications it actually decided on. The Utah statewide average across all lenders was 16.0%.
The median rate on loans Pentagon Federal Credit Union originated in Utah 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 Utah, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology