Pentagon Federal Credit Union in West Virginia vs the state
33.6%Denial rate+12.43 pts vs state
41.5%Decision denial rate+14.83 pts vs state
45.7%Origination rate-9.10 pts vs state
6.88%Median rate+0.25 pts vs state
0.34Rate spread (pts)-0.06 pts vs state
$122kMedian applicant income
53Loans originated
39Denied
Trend in West Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 151 | 63 | 34.4% | 6.63% | #66 |
| 2024 | 137 | 38 | 42.3% | 7.06% | #69 |
| 2025 | 116 | 53 | 33.6% | 6.88% | #89 |
What Pentagon Federal Credit Union lends in West Virginia
By loan purpose
By loan type
Why it denied West Virginia applicants
Where in West Virginia
Counties with the most Pentagon Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Berkeley County | 27 | 15 | 6 | 22.2% |
| Jefferson County | 26 | 12 | 9 | 34.6% |
| Monongalia County | 8 | 4 | 3 | 37.5% |
| Putnam County | 7 | 2 | 5 | 71.4% |
| Raleigh County | 6 | 3 | 0 | 0.0% |
| Hampshire County | 4 | 1 | 2 | 50.0% |
| Hardy County | 3 | 1 | 1 | 33.3% |
| Tucker County | 3 | 1 | 0 | 0.0% |
| Morgan County | 3 | 1 | 1 | 33.3% |
| Kanawha County | 3 | 1 | 1 | 33.3% |
Other large lenders in West Virginia
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 3,615 | 23.0% | 6.88% |
| Vanderbilt Mortgage and Finance | F | 3,214 | 38.5% | 9.99% |
| City National Bank of West Virginia | C | 2,870 | 25.0% | 6.29% |
| The Huntington National Bank | D | 2,194 | 28.1% | 7.00% |
| Truist Bank | C | 1,776 | 31.1% | 6.63% |
| Loandepot.Com | D | 1,624 | 18.7% | 6.58% |
| Mortgage Research Center | C | 1,592 | 17.4% | 6.25% |
| WesBanco Bank | B | 1,475 | 16.7% | 6.01% |
| Movement Mortgage | A | 1,167 | 5.4% | 6.63% |
| Crosscountry Mortgage | B | 1,140 | 4.0% | 6.58% |
Frequently asked questions
West Virginia: 116 applications in 2025, of which 53 were originated and 39 denied.
33.6% of all applications, or 41.5% of the applications it actually decided on. The West Virginia statewide average across all lenders was 21.2%.
The median rate on loans Pentagon Federal Credit Union originated in West Virginia in 2025 was 6.88%, against a statewide median of 6.62%.
About this data. Figures are Pentagon Federal Credit Union's own HMDA filing for properties located in West Virginia, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology