Pentagon Federal Credit Union mortgage approval rate & lending review
Pentagon Federal Credit Union decided 48,028 mortgage applications and funded 24,900 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Pentagon Federal Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Pentagon Federal Credit Union at a glance
Approval is 21.0 points below the 73.7% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 59% | 9,078 / 15,452 | 99% | $375K | 8,999 |
| Home improvement loans | 52% | 9,872 / 18,982 | 98% | $105K | 9,688 |
| Cash-out refinance | 34% | 1,305 / 3,854 | 99% | $285K | 1,286 |
| Refinance | 57% | 4,431 / 7,834 | 98% | $215K | 4,330 |
| Investment property purchase | 45% | 302 / 669 | 99% | $215K | 298 |
| Investment cash-out refinance | 21% | 51 / 248 | 94% | $175K | 48 |
| Investment refinance | 23% | 47 / 204 | 98% | $175K | 46 |
| Investment home improvement | 26% | 207 / 785 | 99% | $105K | 205 |
Pentagon Federal Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Texas | 48% | $205K | 5,568 | 2,627 |
| Florida | 49% | $195K | 5,166 | 2,497 |
| California | 51% | $155K | 5,063 | 2,534 |
| Virginia | 64% | $205K | 4,391 | 2,749 |
| Maryland | 53% | $205K | 2,923 | 1,522 |
| Georgia | 50% | $205K | 2,499 | 1,231 |
| North Carolina | 54% | $215K | 2,205 | 1,167 |
| New Jersey | 47% | $205K | 2,195 | 1,002 |
| New York | 38% | $225K | 1,652 | 615 |
| Pennsylvania | 54% | $195K | 1,589 | 838 |
| Arizona | 59% | $205K | 1,263 | 739 |
| Illinois | 51% | $165K | 1,109 | 556 |
| South Carolina | 56% | $225K | 998 | 554 |
| Tennessee | 61% | $325K | 863 | 523 |
| Colorado | 59% | $225K | 805 | 475 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Pentagon Federal Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Fairfax County, VA | Home improvement loans | 66% | 696 | 455 |
| Los Angeles County, CA | Home improvement loans | 51% | 654 | 333 |
| Sedgwick County, KS | Mortgage lenders | 79% | 384 | 300 |
| Maricopa County, AZ | Home improvement loans | 60% | 418 | 250 |
| Fairfax County, VA | Mortgage lenders | 66% | 381 | 248 |
| Prince William County, VA | Home improvement loans | 62% | 358 | 217 |
| Bexar County, TX | Mortgage lenders | 65% | 330 | 213 |
| Fairfax County, VA | Refinance | 69% | 297 | 204 |
| Loudoun County, VA | Home improvement loans | 69% | 282 | 193 |
| San Diego County, CA | Home improvement loans | 54% | 333 | 175 |
| Orange County, CA | Home improvement loans | 56% | 291 | 161 |
| Los Angeles County, CA | Refinance | 56% | 279 | 153 |
The county markets where Pentagon Federal Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Pentagon Federal Credit Union
What is Pentagon Federal Credit Union's mortgage approval rate?
Pentagon Federal Credit Union approved 52.7% of the 48,028 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 21.0 points below the 73.7% national rate for the same mix of loan types.
How often do borrowers take the loan Pentagon Federal Credit Union offers?
Borrowers accepted 98% of the loans Pentagon Federal Credit Union approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Pentagon Federal Credit Union make?
The typical home improvement loan loan Pentagon Federal Credit Union made was $105K; across all loan types its typical loan ran from $105K to $375K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Pentagon Federal Credit Union lend?
Pentagon Federal Credit Union decided applications in 52 of the states Fat Boy Data covers, most of them in Texas, Florida and California.
Can I apply to Pentagon Federal Credit Union directly?
Yes. Pentagon Federal Credit Union is a bank or credit union with 46 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Pentagon Federal Credit Union's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Pentagon Federal Credit Union treats applications, then get a rate quote from the lender.