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PENTAGON FEDERAL CREDIT UNION
Credit Union|McLean, VA|National
Loans Originated
3,383
Applications
9,439
Volume
$1 billion
Offers loans directly to consumers
Overall Pricing
Sound
Overall Pull Through
Sound
Safe Rate Awards⭐FHA Superstar⭐VA Superstar⭐Purchase Superstar
Pricing and Pullthrough Overview
Average Rate Spread
-0.134%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$2,897
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
35.8%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Particularly strong in Conventional and FHA and VA loans
- Nationwide availability with consistent service
Report Card
PENTAGON FEDERAL CREDIT UNION performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Sound | Industry Standard | |
Pull Through Closing Strength | Sound | Industry Standard | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
FHA | Strong | Highly Competitive | |
VA | Exceptional | Market Leader | |
Jumbo | Sound | Industry Standard | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Exceptional | Market Leader | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Sound | National · 50 metro areas · 51 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$384,299
Average Borrower Income
$157,135
Average Property Value
$501,471
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% | $3,505 |
FHA Loans | Strong | Strong | Strong | Sound | 319 | 9.4% | +0.072% | $3,523 |
VA Loans | Strong | Exceptional | Strong | Sound | 1,285 | 38.0% | -0.499% | $1,963 |
Jumbo Loans | Acceptable | Sound | Strong | Mediocre | 32 | 0.9% | -0.039% | $3,309 |
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% | $3,057 |
Refinance | Sound | Strong | Sound | Acceptable | 600 | 17.7% | -0.215% | $2,431 |
Geographic Coverage
Metro Areas
49
States Served
51
Why 51? We count DC as a state
Avg Place Specialization
Sound
States with Loan Originations
AKALARAZCACOCTDCDEFLGAHIIAIDILINKSKYLAMAMDMEMIMNMOMSMTNCNDNENHNJNMNVNYOHOKORPARISCSDTNTXUTVAVTWAWIWVWY
Top Metro Areas by Place Specialization Score
1
Wichita, KS, KSMSA
Volume: 114Mix: 3.37%
Place Specialization
Strong
2
Arlington, VA-WVMSA
Volume: 195Mix: 5.76%
Place Specialization
Strong
3
San Juan, PRMSA
Volume: 180Mix: 5.32%
Place Specialization
Strong
4
Baltimore, MDMSA
Volume: 81Mix: 2.39%
Place Specialization
Strong
5
Clarksville, TN, TN-KYMSA
Volume: 47Mix: 1.39%
Place Specialization
Strong
6
Washington, DC, DC-MDMSA
Volume: 55Mix: 1.63%
Place Specialization
Strong
7
Aguadilla, PR, PRMSA
Volume: 28Mix: 0.83%
Place Specialization
Sound
8
San Antonio, TXMSA
Volume: 75Mix: 2.22%
Place Specialization
Sound
9
Dallas, TXMSA
Volume: 78Mix: 2.31%
Place Specialization
Sound
10
Atlanta, GAMSA
Volume: 69Mix: 2.04%
Place Specialization
Sound
Showing 10 of 49 metro areas
Top States by Place Specialization Score
1
VAState
Volume: 306Mix: 9.05%
Place Specialization
Strong
2
KSState
Volume: 131Mix: 3.87%
Place Specialization
Strong
3
TXState
Volume: 357Mix: 10.55%
Place Specialization
Strong
4
MDState
Volume: 168Mix: 4.97%
Place Specialization
Strong
5
GAState
Volume: 176Mix: 5.20%
Place Specialization
Strong
6
FLState
Volume: 282Mix: 8.34%
Place Specialization
Strong
7
NCState
Volume: 200Mix: 5.91%
Place Specialization
Strong
8
PAState
Volume: 125Mix: 3.69%
Place Specialization
Strong
9
TNState
Volume: 106Mix: 3.13%
Place Specialization
Strong
10
SCState
Volume: 86Mix: 2.54%
Place Specialization
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)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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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