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 score and performance metrics.

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 an overall pricing score of 48/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is PENTAGON FEDERAL CREDIT UNION?

PENTAGON FEDERAL CREDIT UNION is a Credit Union headquartered in McLean, VA.

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Pentagon Federal Credit Union

Credit Union•McLean, VA•Direct to Consumer

We analyzed every closed loan from Pentagon Federal Credit Union — 3.4k loans across 9k applications— and benchmarked them against peer lenders across the 4 Ps of Mortgage Shopping.

Pricing

Sound

vs. all lenders

Pull Through

Sound

closing strength

Products

Exceptional

FHA · Conventional · VA · Jumbo

Place

Sound

National · 49 mkts

Safe Rate Awards⭐FHA Superstar⭐VA Superstar⭐Purchase Superstar

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Safe Rate's Summary

What They Do Well

Particularly strong in Conventional and FHA and VA loans
Nationwide availability with consistent service

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Report Card

Pentagon Federal Credit Union performance at a glance

Category	Score	vs. Peers
Overall Performance· Pricing & closing strength
Pricing Rate competitiveness	Sound	Industry Standard Rates 13.4 bps below market avg
Pull Through Closing strength	Sound	Industry Standard Top 60% of lenders
By Loan Product· Specialization by type
Conventional	Strong	Highly Competitive Top 40% of lenders
FHA	Strong	Highly Competitive Top 40% of lenders
VA	Exceptional	Market Leader Top 20% of lenders
Jumbo	Sound	Industry Standard Top 60% of lenders
By Loan Purpose· Transaction purpose mix
Purchase	Exceptional	Market Leader Top 20% of lenders
Refinance	Strong	Highly Competitive Top 40% of lenders
By Location· Geographic coverage
Geographic Reach Coverage footprint	Sound	Industry Standard Top 60% of lenders National50 markets

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Strong	Acceptable	Sound	1,747	51.6%	+0.112%Above	$3,505Fees
FHA Loans	Strong	Strong	Strong	Sound	319	9.4%	+0.072%Above	$3,523Fees
VA Loans	Strong	Exceptional	Strong	Sound	1,285	38.0%	-0.499%Below	$1,963Fees
Jumbo Loans	Acceptable	Sound	Strong	Mediocre	32	0.9%	-0.039%Below	$3,309Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Strong	Exceptional	Sound	Sound	2,783	82.3%	-0.106%Below	$3,057Fees
Refinance	Sound	Strong	Sound	Acceptable	600	17.7%	-0.215%Below	$2,431Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

3,383

Applications

9,439

Volume

$1 billion

Pricing & Closing

Avg Rate Spread

-0.134%

vs. market APOR

Avg Net Fees

$2,897

Origination − Credits

Pullthrough Rate

35.8%

Applications → Closed

Typical Borrower

Avg Loan Amount

$384,299

Avg Borrower Income

$157,135

Avg Property Value

$501,471

Geographic Coverage

Geographic Performance

Metro Areas

States Served

Why 51? We count DC as a state

Avg Place Specialization

Sound

States with Loan Originations

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Top Metro Areas by Place Specialization Score

Wichita, KS, KSMSA

Volume: 114Mix: 3.37%of portfolio

Place

Strong

Arlington, VA-WVMSA

Volume: 195Mix: 5.76%of portfolio

Place

Strong

San Juan, PRMSA

Volume: 180Mix: 5.32%of portfolio

Place

Strong

Baltimore, MDMSA

Volume: 81Mix: 2.39%of portfolio

Place

Strong

Clarksville, TN, TN-KYMSA

Volume: 47Mix: 1.39%of portfolio

Place

Strong

Washington, DC, DC-MDMSA

Volume: 55Mix: 1.63%of portfolio

Place

Strong

Aguadilla, PR, PRMSA

Volume: 28Mix: 0.83%of portfolio

Place

Sound

San Antonio, TXMSA

Volume: 75Mix: 2.22%of portfolio

Place

Sound

Dallas, TXMSA

Volume: 78Mix: 2.31%of portfolio

Place

Sound

Atlanta, GAMSA

Volume: 69Mix: 2.04%of portfolio

Place

Sound

Showing 10 of 49 metro areas

Top States by Place Specialization Score

VAState

Volume: 306Mix: 9.05%of portfolio

Place

Strong

KSState

Volume: 131Mix: 3.87%of portfolio

Place

Strong

TXState

Volume: 357Mix: 10.55%of portfolio

Place

Strong

MDState

Volume: 168Mix: 4.97%of portfolio

Place

Strong

GAState

Volume: 176Mix: 5.20%of portfolio

Place

Strong

FLState

Volume: 282Mix: 8.34%of portfolio

Place

Strong

NCState

Volume: 200Mix: 5.91%of portfolio

Place

Strong

PAState

Volume: 125Mix: 3.69%of portfolio

Place

Strong

TNState

Volume: 106Mix: 3.13%of portfolio

Place

Strong

SCState

Volume: 86Mix: 2.54%of portfolio

Place

Strong

Showing 10 of 41 states

How We Rank Lenders

Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.

Our Point System (Max 30 Points)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

Product

Specialization in the loan type (33%)

💎

Champion(80%+ = 24-30 points)

⭐

Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.