We analyzed every closed loan from Pentagon Federal Credit Union — 3.4k loans across 9k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Sound
3/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA · Jumbo
Place
Sound
3/5
National · 49 mkts
Awards
FHA
Superstar
VA
Superstar
Summary
What They Do Well
- Particularly strong in Conventional and FHA and VA loans
- Nationwide availability with consistent service
Explore another lender or local market
Report Card
Pentagon Federal Credit Union performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
Rates 13.4 bps below market avg
Pull Through
Closing strength
Sound
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Top 40% of lenders
FHA
Strong
Top 40% of lenders
VA
Exceptional
Top 20% of lenders
Jumbo
Sound
Top 60% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Exceptional
Top 20% of lenders
Refinance
Strong
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
National · 50 markets
Sound
Top 60% of lenders
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 1,747 | 51.6% | +0.112%Above | $3,505Fees | ||||
FHA Loans | 319 | 9.4% | +0.072%Above | $3,523Fees | ||||
VA Loans | 1,285 | 38.0% | -0.499%Below | $1,963Fees | ||||
Jumbo Loans | 32 | 0.9% | -0.039%Below | $3,309Fees |
Conventional
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughSound
Volume1,747
Mix51.6%
Spread
+0.112%Above
Fees
$3,505Fees
FHA Loans
OverallStrong
ProductStrong
PricingStrong
Pull ThroughSound
Volume319
Mix9.4%
Spread
+0.072%Above
Fees
$3,523Fees
VA Loans
OverallStrong
ProductExceptional
PricingStrong
Pull ThroughSound
Volume1,285
Mix38.0%
Spread
-0.499%Below
Fees
$1,963Fees
Jumbo Loans
OverallSound
ProductSound
PricingStrong
Pull ThroughMediocre
Volume32
Mix0.9%
Spread
-0.039%Below
Fees
$3,309Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 2,783 | 82.3% | -0.106%Below | $3,057Fees | ||||
Refinance | 600 | 17.7% | -0.215%Below | $2,431Fees |
Purchase
OverallSound
ProductExceptional
PricingSound
Pull ThroughSound
Volume2,783
Mix82.3%
Spread
-0.106%Below
Fees
$3,057Fees
Refinance
OverallSound
ProductStrong
PricingSound
Pull ThroughAcceptable
Volume600
Mix17.7%
Spread
-0.215%Below
Fees
$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
49
markets with activity
States Served
51
Includes Washington, DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
51Nationwide · all 50 states and DCNortheast9
CTMEMANHNJNYPARIVT
Midwest12
IAILINKSMIMNMONDNEOHSDWI
South17
ALARDCDEFLGAKYLAMDMSNCOKSCTNTXVAWV
West13
AKAZCACOHIIDMTNMNVORUTWAWY
Top Metro Areas by Place Specialization Score
Volume 114Mix 3.37% of portfolio
73/100
Strong
Volume 195Mix 5.76% of portfolio
73/100
Strong
Volume 180Mix 5.32% of portfolio
72/100
Strong
Volume 81Mix 2.39% of portfolio
62/100
Strong
Volume 47Mix 1.39% of portfolio
62/100
Strong
Volume 55Mix 1.63% of portfolio
61/100
Strong
Volume 28Mix 0.83% of portfolio
60/100
Sound
Volume 75Mix 2.22% of portfolio
59/100
Sound
Volume 78Mix 2.31% of portfolio
59/100
Sound
Volume 69Mix 2.04% of portfolio
57/100
SoundShowing 10 of 49 metro areas
Top States by Place Specialization Score
1
VirginiaState
Volume 306Mix 9.05% of portfolio
74/100
Strong2
KansasState
Volume 131Mix 3.87% of portfolio
70/100
Strong3
TexasState
Volume 357Mix 10.55% of portfolio
68/100
Strong4
MarylandState
Volume 168Mix 4.97% of portfolio
66/100
Strong5
GeorgiaState
Volume 176Mix 5.20% of portfolio
64/100
Strong6
FloridaState
Volume 282Mix 8.34% of portfolio
64/100
Strong7
North CarolinaState
Volume 200Mix 5.91% of portfolio
64/100
Strong8
PennsylvaniaState
Volume 125Mix 3.69% of portfolio
61/100
Strong9
TennesseeState
Volume 106Mix 3.13% of portfolio
60/100
Strong10
South CarolinaState
Volume 86Mix 2.54% of portfolio
60/100
StrongShowing 10 of 41 states
How We Rank Lenders
Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.
Our Point System (Max 30 Points)
10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
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 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
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.