Pentagon Federal Credit Union in Virginia vs the state
27.8%Denial rate+11.83 pts vs state
34.2%Decision denial rate+13.91 pts vs state
52.5%Origination rate-7.05 pts vs state
7.63%Median rate+1.00 pts vs state
0.40Rate spread (pts)+0.18 pts vs state
$176kMedian applicant income
1,455Loans originated
770Denied
Trend in Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 2,998 | 1,326 | 31.1% | 8.25% | #18 |
| 2024 | 2,711 | 1,194 | 32.3% | 9.00% | #26 |
| 2025 | 2,773 | 1,455 | 27.8% | 7.63% | #30 |
What Pentagon Federal Credit Union lends in Virginia
By loan purpose
By loan type
Why it denied Virginia applicants
Where in Virginia
Counties with the most Pentagon Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fairfax County | 812 | 436 | 210 | 25.9% |
| Prince William County | 387 | 191 | 118 | 30.5% |
| Loudoun County | 338 | 188 | 84 | 24.9% |
| Arlington County | 114 | 63 | 31 | 27.2% |
| Stafford County | 111 | 63 | 25 | 22.5% |
| Alexandria city | 85 | 35 | 29 | 34.1% |
| Spotsylvania County | 71 | 35 | 25 | 35.2% |
| Virginia Beach city | 64 | 33 | 15 | 23.4% |
| Chesterfield County | 57 | 31 | 6 | 10.5% |
| Fauquier County | 49 | 29 | 15 | 30.6% |
Other large lenders in Virginia
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Navy Federal Credit Union | D | 19,395 | 19.3% | 7.75% |
| Rocket Mortgage | C | 19,274 | 14.8% | 6.63% |
| United Shore Financial Services | B | 13,994 | 10.4% | 6.12% |
| Truist Bank | C | 11,838 | 31.6% | 6.49% |
| Mortgage Research Center | C | 9,000 | 16.7% | 6.25% |
| Pennymac Loan Services | C | 8,334 | 10.7% | 6.38% |
| Freedom Mortgage | B | 8,029 | 6.5% | 6.25% |
| Bank of America | F | 6,584 | 31.9% | 6.24% |
| Newrez | D | 6,390 | 16.4% | 6.38% |
| Movement Mortgage | A | 6,126 | 4.3% | 6.56% |
Frequently asked questions
Virginia: 2,773 applications in 2025, of which 1,455 were originated and 770 denied.
27.8% of all applications, or 34.2% of the applications it actually decided on. The Virginia statewide average across all lenders was 15.9%.
The median rate on loans Pentagon Federal Credit Union originated in Virginia in 2025 was 7.63%, against a statewide median of 6.63%.
About this data. Figures are Pentagon Federal Credit Union's own HMDA filing for properties located in Virginia, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology