# PENTAGON FEDERAL CREDIT UNION

> **Canonical URL:** https://saferate.com/lenders/pentagon-federal-credit-union


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


PENTAGON FEDERAL CREDIT UNION is a credit union, headquartered in McLean, VA, serving borrowers nationwide, with 3,383 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 52% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 58% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300FX7K8PTEQUU487
- **Headquarters:** McLean, VA
- **Geographic Reach:** National
- **States Served:** 51
- **State List:** AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY
- **Markets (MSAs):** 50
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 48/100
- Rating: ●●●○○ (3/5)

### Pull Through: Sound ☺️
- Score: 42/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** -0.134%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,897
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 3,383
- **Dollar Volume:** $1.3 billion
- **Applications Received:** 9,439
- **Market Share:** 9.00%

## Typical Borrower Profile

- **Average Loan Amount:** $384,299
- **Average Borrower Income:** $157,135
- **Average Property Value:** $501,471

## Safe Rate Awards 🏆

- ⭐ **FHA Gold Superstar** (64%)
- ⭐ **VA Gold Superstar** (70%)
- ⭐ **Purchase Gold Superstar** (63%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 76/100 | 1,747 | +0.112% | $3,505 | Strong 😀 |
| FHA | 73/100 | 319 | +0.072% | $3,523 | Strong 😀 |
| VA | 88/100 | 1,285 | -0.499% | $1,963 | Exceptional 🤩 |
| Jumbo | 49/100 | 32 | -0.039% | $3,309 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 1,411 loans, Score: 72/100 (Strong)
- Refinance: 336 loans, Score: 75/100 (Strong)

**FHA:**
- Purchase: 255 loans, Score: 72/100 (Strong)
- Refinance: 64 loans, Score: 75/100 (Strong)

**VA:**
- Purchase: 1,091 loans, Score: 87/100 (Exceptional)
- Refinance: 194 loans, Score: 84/100 (Exceptional)

**Jumbo:**
- Purchase: 26 loans, Score: 47/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 80/100 | 2,783 | $1.1B | -0.106% | Exceptional 🤩 |
| Refinance | 76/100 | 600 | $202M | -0.215% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| TX | 357 | 0.10% | 68/100 |
| VA | 306 | 0.28% | 74/100 |
| FL | 282 | 0.10% | 64/100 |
| NC | 200 | 0.14% | 64/100 |
| GA | 176 | 0.13% | 64/100 |
| MD | 168 | 0.24% | 66/100 |
| KS | 131 | 0.44% | 70/100 |
| PA | 125 | 0.10% | 61/100 |
| CA | 110 | 0.04% | 54/100 |
| TN | 106 | 0.12% | 60/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 315 | 63/100 |
| Arlington | VA-WV | 195 | 73/100 |
| San Juan | PR | 180 | 72/100 |
| Wichita, KS | KS | 114 | 73/100 |
| Baltimore | MD | 81 | 62/100 |
| Dallas | TX | 78 | 59/100 |
| San Antonio | TX | 75 | 59/100 |
| Atlanta | GA | 69 | 57/100 |
| Washington, DC | DC-MD | 55 | 61/100 |
| Houston | TX | 53 | 53/100 |
| Clarksville, TN | TN-KY | 47 | 62/100 |
| Charlotte | NC-SC | 45 | 55/100 |
| Orlando | FL | 41 | 53/100 |
| Tampa, FL | FL | 40 | 53/100 |
| Fort Worth | TX | 39 | 54/100 |

## Where This Lender Ranks

PENTAGON FEDERAL CREDIT UNION appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in San Juan Credit Unions
  - [View Full Rankings](https://saferate.com/san-juan/best-mortgage-lenders/credit-unions)
- 🥇 **#1** in San Juan for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/san-juan/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥈 **#2** in Arlington for VA Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/arlington/best-mortgage-lenders/credit-unions/va-loans)
- 🥈 **#2** in Baltimore for FHA Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/baltimore/best-mortgage-lenders/credit-unions/fha-loans)
- 🥈 **#2** in Baltimore for VA Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/baltimore/best-mortgage-lenders/credit-unions/va-loans)
- 🥈 **#2** in San Antonio for VA Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/san-antonio/best-mortgage-lenders/credit-unions/va-loans)
- 🥈 **#2** in Washington, DC for VA Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/washington-dc/best-mortgage-lenders/credit-unions/va-loans)
- 🥈 **#2** in Killeen for VA Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/killeen/best-mortgage-lenders/credit-unions/va-loans)
- 🥈 **#2** in Arecibo, PR for VA Loans
  - [View Full Rankings](https://saferate.com/arecibo-pr/best-mortgage-lenders/va-loans)
- 🥉 **#3** in Virginia for FHA Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/virginia/best-mortgage-lenders/credit-unions/fha-loans)
- 🥉 **#3** in Kansas for VA Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/kansas/best-mortgage-lenders/credit-unions/va-loans)
- 🥉 **#3** in Clarksville, TN Credit Unions
  - [View Full Rankings](https://saferate.com/clarksville-tn/best-mortgage-lenders/credit-unions)
- 🥉 **#3** in Clarksville, TN for VA Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/clarksville-tn/best-mortgage-lenders/credit-unions/va-loans)
- 🥉 **#3** in Augusta Credit Unions
  - [View Full Rankings](https://saferate.com/augusta/best-mortgage-lenders/credit-unions)
- 🥉 **#3** in Augusta for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/augusta/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥉 **#3** in Augusta for VA Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/augusta/best-mortgage-lenders/credit-unions/va-loans)
- 🥉 **#3** in Aguadilla, PR for VA Loans
  - [View Full Rankings](https://saferate.com/aguadilla-pr/best-mortgage-lenders/va-loans)
- 🥉 **#3** in Scranton for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/scranton/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥉 **#3** in Warner Robins, GA for VA Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/warner-robins-ga/best-mortgage-lenders/credit-unions/va-loans)
- 🏆 **#4** in Virginia for VA Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/virginia/best-mortgage-lenders/credit-unions/va-loans)

## Frequently Asked Questions

### What loan types does PENTAGON FEDERAL CREDIT UNION offer?

PENTAGON FEDERAL CREDIT UNION offers the following mortgage loan types: FHA, Conventional, VA, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does PENTAGON FEDERAL CREDIT UNION offer mortgages?

PENTAGON FEDERAL CREDIT UNION is a national lender offering mortgages in all 50 states plus Washington D.C.

### How competitive are PENTAGON FEDERAL CREDIT UNION's mortgage rates?

PENTAGON FEDERAL CREDIT UNION has a pricing score of 48/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.134% below market average.

### What type of lender is PENTAGON FEDERAL CREDIT UNION?

PENTAGON FEDERAL CREDIT UNION is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in McLean, VA.

### What is PENTAGON FEDERAL CREDIT UNION's loan approval success rate?

PENTAGON FEDERAL CREDIT UNION has a pull-through score of 42/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/pentagon-federal-credit-union

### How to Cite

> "PENTAGON FEDERAL CREDIT UNION Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/pentagon-federal-credit-union

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