Pentagon Federal Credit Union in Vermont vs the state
57.1%Denial rate+42.32 pts vs state
75.0%Decision denial rate+56.93 pts vs state
19.1%Origination rate-45.82 pts vs state
6.19%Median rate-0.52 pts vs state
-0.36Rate spread (pts)-0.49 pts vs state
$123kMedian applicant income
4Loans originated
12Denied
Trend in Vermont
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 34 | 13 | 35.3% | 6.75% | #64 |
| 2024 | 33 | 11 | 39.4% | 6.63% | #66 |
| 2025 | 21 | 4 | 57.1% | 6.19% | #79 |
What Pentagon Federal Credit Union lends in Vermont
By loan purpose
By loan type
Why it denied Vermont applicants
Where in Vermont
Counties with the most Pentagon Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Chittenden County | 5 | 2 | 2 | 40.0% |
| Windsor County | 4 | 0 | 2 | 50.0% |
| Rutland County | 3 | 0 | 3 | 100.0% |
| Addison County | 2 | 0 | 2 | 100.0% |
| Windham County | 2 | 0 | 1 | 50.0% |
| Essex County | 1 | 0 | 1 | 100.0% |
| Washington County | 1 | 1 | 0 | 0.0% |
| Lamoille County | 1 | 1 | 0 | 0.0% |
| Caledonia County | 1 | 0 | 0 | 0.0% |
| Orleans County | 1 | 0 | 1 | 100.0% |
Other large lenders in Vermont
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Eastrise Federal Credit Union | A | 3,529 | 5.1% | 6.50% |
| Rocket Mortgage | C | 1,165 | 22.0% | 6.75% |
| North Country | C | 1,135 | 9.5% | 7.25% |
| Vermont Federal Credit Union | A | 1,003 | 12.0% | 6.75% |
| Citizens Bank | C | 826 | 38.9% | 7.65% |
| Emm Loans | B | 761 | 1.5% | 6.63% |
| Mascoma Bank | B | 717 | 16.5% | 6.75% |
| Union Bank | B | 641 | 4.5% | 6.63% |
| Manufacturers and Traders Trust | C | 617 | 30.8% | 5.99% |
| Community Bank | D | 607 | 13.3% | 7.00% |
Frequently asked questions
Vermont: 21 applications in 2025, of which 4 were originated and 12 denied.
57.1% of all applications, or 75.0% of the applications it actually decided on. The Vermont statewide average across all lenders was 14.8%.
The median rate on loans Pentagon Federal Credit Union originated in Vermont in 2025 was 6.19%, against a statewide median of 6.71%.
About this data. Figures are Pentagon Federal Credit Union's own HMDA filing for properties located in Vermont, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology