Pentagon Federal Credit Union Mortgage Rates, Fees & Info

McLean, VA

LEI: 549300FX7K8PTEQUU487

Tax ID: 53-0197038

2020 Data | 2019 Data | 2018 Data


Overview

Pentagon Federal Credit Union is a mid-sized credit union specializing in Home Purchase and Refi loans. Pentagon Federal Credit Union has a high proportion of conventional loans. Their top markets include Washington, Baltimore, Dallas, Los Angeles, and Frederick among others. They have an average approval rate for mortages when compared nationally -- and they have a below average pick rate when compared to the same sample of other lendors. Pentagon Federal Credit Union is typically an average fee lendor.


Originations

20,115

Origination Dollar Volume (All Markets)

$4,791,665,000

Relative Rate

Pentagon Federal Credit Union's average 30 year fixed rate mortgage was 3.62%.

The 2020 average 30 year fixed rate mortgage across all markets was 3.36%.

This yields a difference of 0.26%.

Relative Fees

Pentagon Federal Credit Union's average total fees for a 30 year fixed rate mortgage are $5,400.

The average total origination fees for 30 year fixed rate mortgages (for all loan values, including both points & up-front fees in addition to origination fees) are $5,021.

Product Mix

Loan Type Originations Total Value Average Loan Average Fees Average Rate
Conventional 17,019 $3,729,505,000 $219,138 $3,008 3.56%
VA 3,096 $1,062,160,000 $343,075 $5,265 2.72%

For the 2020 period, Pentagon Federal Credit Union's most frequently originated loan type was Conventional, with 17,019 originations. Their 2nd most popular type is VA, with 3,096 originations.

Loan Reason

Loan Reason Originations Total Value Average Loan Average Fees Average Rate
Home Purchase 6,392 $1,993,600,000 $311,890 $4,158 2.86%
Refi 5,475 $1,606,285,000 $293,385 $2,881 3.04%
Home Improvement 4,533 $514,415,000 $113,482 $4,860 4.25%
Other 2,393 $287,185,000 $120,010 $2,764 4.34%
Cash Out Refi 1,322 $390,180,000 $295,144 $3,573 3.30%

For the 2020, Pentagon Federal Credit Union's most frequently cited loan purpose was Home Purchase, with 6,392 originations. The 2nd most popular reason was Refi, with 5,475 originations.

Loan Duration/Length

Loan Length Originations Total Value Average Loan Average Fees Average Rate
30 Year 17,410 $4,164,930,000 $239,226 $3,801 3.52%
15 Year 1,765 $412,345,000 $233,623 $2,850 2.81%
20 Year 701 $176,235,000 $251,405 $2,399 2.88%
10 Year 239 $38,155,000 $159,644 $2,230 3.08%

For the 2020, Pentagon Federal Credit Union's most frequently cited loan length was 30 Year, with 17,410 originations. The 2nd most popular length was 15 Year, with 1,765 originations.

Origination Fees

Origination Fee Originations Total Value Average Loan
$<1k 10,119 $3,015,335,000 $297,987
$1k-2k 1,150 $363,440,000 $316,035
$2k-3k 511 $177,155,000 $346,683
$3k-4k 436 $181,400,000 $416,055
$5k+ 298 $165,790,000 $556,342

$5,400 was Pentagon Federal Credit Union's average total fees, while their most frequently occuring range of origination fees were in the $<1k bucket, with 10,119 originations.

Top Markets

Market Originations Total Value Average Loan Average Fees Average Rate
WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV 2,962 $796,780,000 $269,001 $3,990 3.52%
Outside of Metro Areas 1,073 $234,745,000 $218,774 $3,211 3.15%
BALTIMORE-COLUMBIA-TOWSON, MD 591 $169,965,000 $287,589 $3,575 3.31%
DALLAS-PLANO-IRVING, TX 463 $126,875,000 $274,028 $3,799 3.16%
LOS ANGELES-LONG BEACH-GLENDALE, CA 458 $125,280,000 $273,537 $4,033 3.99%
FREDERICK-GAITHERSBURG-ROCKVILLE, MD 413 $110,335,000 $267,155 $3,273 3.44%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA 527 $109,465,000 $207,713 $3,188 3.55%
PHOENIX-MESA-CHANDLER, AZ 412 $82,270,000 $199,684 $2,785 3.71%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX 305 $77,175,000 $253,033 $3,795 3.12%
TAMPA-ST. PETERSBURG-CLEARWATER, FL 344 $76,970,000 $223,750 $3,726 3.40%
SAN ANTONIO-NEW BRAUNFELS, TX 316 $76,930,000 $243,449 $4,068 3.04%
DENVER-AURORA-LAKEWOOD, CO 260 $66,690,000 $256,500 $3,238 3.63%
SEATTLE-BELLEVUE-KENT, WA 204 $66,290,000 $324,951 $3,672 3.66%
ANAHEIM-SANTA ANA-IRVINE, CA 237 $63,475,000 $267,827 $4,492 3.95%
NEW YORK-JERSEY CITY-WHITE PLAINS, NY-NJ 246 $62,530,000 $254,187 $4,712 3.83%
WICHITA, KS 297 $60,495,000 $203,687 $2,489 2.87%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA 216 $56,680,000 $262,407 $3,989 3.95%
ORLANDO-KISSIMMEE-SANFORD, FL 252 $56,100,000 $222,619 $3,807 3.37%
RALEIGH-CARY, NC 233 $55,945,000 $240,107 $2,635 3.34%
RICHMOND, VA 225 $54,195,000 $240,867 $3,205 3.32%
NEW BRUNSWICK-LAKEWOOD, NJ 211 $53,615,000 $254,100 $4,016 3.33%
CHARLOTTE-CONCORD-GASTONIA, NC-SC 236 $50,400,000 $213,559 $3,058 3.54%
FORT WORTH-ARLINGTON-GRAPEVINE, TX 209 $48,595,000 $232,512 $3,662 3.31%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA 225 $45,855,000 $203,800 $3,323 3.68%
CHICAGO-NAPERVILLE-EVANSTON, IL 205 $44,185,000 $215,537 $3,940 3.47%
LAS VEGAS-HENDERSON-PARADISE, NV 200 $43,750,000 $218,750 $3,215 3.50%
OAKLAND-BERKELEY-LIVERMORE, CA 162 $43,060,000 $265,802 $4,441 4.07%
AUSTIN-ROUND ROCK-GEORGETOWN, TX 141 $41,945,000 $297,482 $4,409 3.26%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC 174 $40,110,000 $230,517 $3,316 3.37%
FORT LAUDERDALE-POMPANO BEACH-SUNRISE, FL 163 $39,245,000 $240,767 $3,779 3.37%
SACRAMENTO-ROSEVILLE-FOLSOM, CA 165 $38,815,000 $235,242 $3,052 3.75%
NEWARK, NJ-PA 155 $37,485,000 $241,839 $4,597 3.51%
SALISBURY, MD-DE 142 $35,760,000 $251,831 $3,078 3.01%
MONTGOMERY COUNTY-BUCKS COUNTY-CHESTER COUNTY, PA 148 $35,400,000 $239,189 $4,557 3.27%
JACKSONVILLE, FL 148 $33,480,000 $226,216 $3,979 3.36%
URBAN HONOLULU, HI 93 $33,165,000 $356,613 $5,571 3.39%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA 94 $31,410,000 $334,149 $4,407 3.93%
MIAMI-MIAMI BEACH-KENDALL, FL 127 $29,405,000 $231,535 $3,659 3.75%
SAN FRANCISCO-SAN MATEO-REDWOOD CITY, CA 62 $29,360,000 $473,548 $4,872 3.83%
NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN 111 $29,355,000 $264,459 $3,259 3.47%
COLORADO SPRINGS, CO 113 $29,195,000 $258,363 $2,994 3.35%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL 101 $28,825,000 $285,396 $4,974 3.18%
SAN JUAN-BAYAMÓN-CAGUAS, PR 147 $27,405,000 $186,429 $5,749 2.87%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA 108 $26,380,000 $244,259 $3,377 3.52%
WEST PALM BEACH-BOCA RATON-BOYNTON BEACH, FL 122 $26,010,000 $213,197 $3,617 3.57%
NASSAU COUNTY-SUFFOLK COUNTY, NY 100 $24,660,000 $246,600 $4,470 3.69%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI 102 $22,680,000 $222,353 $2,371 3.40%
KANSAS CITY, MO-KS 124 $22,450,000 $181,048 $2,404 3.58%
CAMBRIDGE-NEWTON-FRAMINGHAM, MA 80 $21,960,000 $274,500 $3,996 3.75%
NORTH PORT-SARASOTA-BRADENTON, FL 90 $21,180,000 $235,333 $3,269 3.23%
FAYETTEVILLE, NC 116 $20,080,000 $173,103 $3,205 3.23%
OMAHA-COUNCIL BLUFFS, NE-IA 107 $19,235,000 $179,766 $2,711 3.21%
PENSACOLA-FERRY PASS-BRENT, FL 91 $18,965,000 $208,407 $3,402 3.23%
TUCSON, AZ 89 $18,745,000 $210,618 $3,796 3.35%
AUGUSTA-RICHMOND COUNTY, GA-SC 104 $18,610,000 $178,942 $3,745 3.37%
HUNTSVILLE, AL 76 $18,380,000 $241,842 $2,384 3.16%
PALM BAY-MELBOURNE-TITUSVILLE, FL 75 $18,275,000 $243,667 $3,849 3.22%
TACOMA-LAKEWOOD, WA 65 $17,585,000 $270,538 $3,955 3.30%
CHARLESTON-NORTH CHARLESTON, SC 73 $17,255,000 $236,370 $4,263 3.50%
ST. LOUIS, MO-IL 89 $16,585,000 $186,348 $3,215 3.37%
DURHAM-CHAPEL HILL, NC 66 $16,510,000 $250,152 $3,230 3.34%
INDIANAPOLIS-CARMEL-ANDERSON, IN 81 $16,115,000 $198,951 $2,386 3.61%
PHILADELPHIA, PA 80 $15,790,000 $197,375 $4,686 3.58%
PITTSBURGH, PA 78 $14,980,000 $192,051 $4,266 3.26%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL 76 $14,950,000 $196,711 $3,869 3.31%
OXNARD-THOUSAND OAKS-VENTURA, CA 55 $14,585,000 $265,182 $4,333 3.95%
CAMDEN, NJ 84 $14,530,000 $172,976 $2,794 3.37%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC 71 $14,525,000 $204,577 $2,556 3.11%
RENO, NV 43 $13,725,000 $319,186 $3,535 3.60%
BRIDGEPORT-STAMFORD-NORWALK, CT 44 $13,630,000 $309,773 $3,803 3.49%
WARREN-TROY-FARMINGTON HILLS, MI 66 $12,520,000 $189,697 $2,304 3.32%
BOSTON, MA 52 $12,440,000 $239,231 $5,973 3.87%
COLUMBIA, SC 55 $12,415,000 $225,727 $4,407 3.17%
OKLAHOMA CITY, OK 58 $12,400,000 $213,793 $3,835 3.25%
CLARKSVILLE, TN-KY 54 $11,190,000 $207,222 $4,914 3.04%
GREENSBORO-HIGH POINT, NC 49 $11,045,000 $225,408 $2,903 3.23%
COLUMBUS, OH 62 $10,810,000 $174,355 $2,588 3.53%
POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY 52 $10,790,000 $207,500 $5,261 3.53%
LAKELAND-WINTER HAVEN, FL 59 $10,715,000 $181,610 $3,776 3.33%
KNOXVILLE, TN 39 $10,555,000 $270,641 $2,960 3.11%
ALBUQUERQUE, NM 49 $10,125,000 $206,633 $2,754 3.22%
CHARLOTTESVILLE, VA 45 $10,005,000 $222,333 $2,562 3.50%
KILLEEN-TEMPLE, TX 59 $9,885,000 $167,542 $3,548 3.21%
GREENVILLE-ANDERSON, SC 45 $9,785,000 $217,444 $3,480 3.31%
CINCINNATI, OH-KY-IN 49 $9,565,000 $195,204 $2,992 3.56%
WILMINGTON, DE-MD-NJ 43 $9,495,000 $220,814 $2,669 3.28%
WINCHESTER, VA-WV 38 $9,400,000 $247,368 $3,479 3.29%
CAPE CORAL-FORT MYERS, FL 43 $9,395,000 $218,488 $2,852 3.26%
SANTA MARIA-SANTA BARBARA, CA 29 $9,275,000 $319,828 $4,024 3.75%
ASHEVILLE, NC 44 $9,130,000 $207,500 $2,889 3.37%
BIRMINGHAM-HOOVER, AL 41 $8,925,000 $217,683 $2,829 3.20%
SANTA ROSA-PETALUMA, CA 20 $8,620,000 $431,000 $4,077 3.21%
WILMINGTON, NC 34 $8,360,000 $245,882 $3,295 3.27%
PROVIDENCE-WARWICK, RI-MA 40 $8,270,000 $206,750 $4,550 3.78%
CALIFORNIA-LEXINGTON PARK, MD 30 $8,260,000 $275,333 $3,942 3.21%
DAYTON-KETTERING, OH 41 $8,215,000 $200,366 $4,005 3.12%
BOISE CITY, ID 36 $8,180,000 $227,222 $4,478 3.53%
TRENTON-PRINCETON, NJ 37 $8,015,000 $216,622 $3,153 3.44%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ 45 $7,975,000 $177,222 $3,957 3.50%
NEW ORLEANS-METAIRIE, LA 46 $7,770,000 $168,913 $3,251 3.73%
SALT LAKE CITY, UT 37 $7,575,000 $204,730 $2,319 3.80%
VALLEJO, CA 38 $7,550,000 $198,684 $7,173 3.91%
LOUISVILLE/JEFFERSON COUNTY, KY-IN 35 $7,525,000 $215,000 $2,896 3.00%
NAPLES-MARCO ISLAND, FL 26 $7,340,000 $282,308 $3,736 3.17%
CLEVELAND-ELYRIA, OH 43 $7,275,000 $169,186 $2,992 3.59%
EUGENE-SPRINGFIELD, OR 35 $7,205,000 $205,857 $2,926 3.47%
MEMPHIS, TN-MS-AR 40 $7,070,000 $176,750 $3,473 3.64%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT 40 $7,020,000 $175,500 $2,618 3.46%
HAGERSTOWN-MARTINSBURG, MD-WV 34 $7,010,000 $206,176 $2,944 3.25%
ROCKINGHAM COUNTY-STRAFFORD COUNTY, NH 23 $6,925,000 $301,087 $3,796 3.16%
PROVO-OREM, UT 24 $6,720,000 $280,000 $2,564 3.79%
LAKE COUNTY-KENOSHA COUNTY, IL-WI 29 $6,495,000 $223,966 $3,725 3.20%
FORT COLLINS, CO 23 $6,465,000 $281,087 $3,011 3.52%
NEW HAVEN-MILFORD, CT 31 $6,425,000 $207,258 $3,774 3.33%
OGDEN-CLEARFIELD, UT 25 $6,405,000 $256,200 $3,637 3.34%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR 31 $6,145,000 $198,226 $2,314 3.18%
HARRISBURG-CARLISLE, PA 26 $6,140,000 $236,154 $4,425 2.99%
PORT ST. LUCIE, FL 30 $6,140,000 $204,667 $3,384 3.26%
PORTLAND-SOUTH PORTLAND, ME 23 $6,135,000 $266,739 $3,540 3.33%
BUFFALO-CHEEKTOWAGA, NY 35 $6,125,000 $175,000 $3,707 3.75%
COEUR D'ALENE, ID 22 $6,090,000 $276,818 $5,027 3.30%
OLYMPIA-LACEY-TUMWATER, WA 24 $6,030,000 $251,250 $4,378 3.68%
ANCHORAGE, AK 24 $6,010,000 $250,417 $3,480 3.28%
BARNSTABLE TOWN, MA 16 $5,940,000 $371,250 $3,747 3.34%
DETROIT-DEARBORN-LIVONIA, MI 34 $5,930,000 $174,412 $2,101 3.53%
TULSA, OK 26 $5,870,000 $225,769 $3,058 3.41%
SAN RAFAEL, CA 16 $5,770,000 $360,625 $3,014 3.89%
PRESCOTT VALLEY-PRESCOTT, AZ 18 $5,680,000 $315,556 $3,599 3.28%
ROANOKE, VA 28 $5,470,000 $195,357 $2,653 3.65%
SAVANNAH, GA 35 $5,455,000 $155,857 $3,235 3.69%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR 27 $5,345,000 $197,963 $2,080 3.26%
WARNER ROBINS, GA 25 $5,295,000 $211,800 $3,816 2.85%
BEND, OR 16 $5,240,000 $327,500 $4,146 3.21%
MILWAUKEE-WAUKESHA, WI 30 $5,220,000 $174,000 $2,648 3.60%
SCRANTON--WILKES-BARRE, PA 40 $5,030,000 $125,750 $2,853 3.40%
WORCESTER, MA-CT 24 $4,920,000 $205,000 $2,484 3.47%
SALINAS, CA 15 $4,895,000 $326,333 $4,872 3.70%
EL PASO, TX 24 $4,750,000 $197,917 $5,508 3.09%
GREELEY, CO 17 $4,695,000 $276,176 $3,941 3.29%
DAPHNE-FAIRHOPE-FOLEY, AL 23 $4,555,000 $198,043 $2,459 3.63%
COLUMBUS, GA-AL 26 $4,550,000 $175,000 $2,925 3.53%
YORK-HANOVER, PA 23 $4,415,000 $191,957 $4,174 3.28%
KAHULUI-WAILUKU-LAHAINA, HI 9 $4,405,000 $489,444 $10,731 3.08%
OCALA, FL 20 $4,400,000 $220,000 $3,927 3.50%
SPOKANE-SPOKANE VALLEY, WA 22 $4,380,000 $199,091 $2,530 3.76%
MCALLEN-EDINBURG-MISSION, TX 23 $4,315,000 $187,609 $3,144 3.16%
CORPUS CHRISTI, TX 19 $4,275,000 $225,000 $3,149 3.02%
BAKERSFIELD, CA 26 $4,210,000 $161,923 $2,474 3.80%
ATLANTIC CITY-HAMMONTON, NJ 18 $4,210,000 $233,889 $3,271 3.28%
SANTA FE, NM 14 $4,160,000 $297,143 $3,077 3.15%
WINSTON-SALEM, NC 19 $4,135,000 $217,632 $2,890 3.41%
HILTON HEAD ISLAND-BLUFFTON, SC 18 $4,130,000 $229,444 $2,397 3.02%
EAST STROUDSBURG, PA 29 $4,085,000 $140,862 $3,108 3.48%
PUNTA GORDA, FL 21 $4,075,000 $194,048 $2,963 3.35%
BOULDER, CO 17 $4,075,000 $239,706 $2,018 3.60%
SANTA CRUZ-WATSONVILLE, CA 9 $3,995,000 $443,889 $6,156 3.97%
FRESNO, CA 21 $3,985,000 $189,762 $2,512 3.67%
GAINESVILLE, FL 26 $3,960,000 $152,308 $3,101 3.36%
SHREVEPORT-BOSSIER CITY, LA 14 $3,880,000 $277,143 $3,141 3.12%
MANCHESTER-NASHUA, NH 19 $3,865,000 $203,421 $2,116 3.42%
BREMERTON-SILVERDALE-PORT ORCHARD, WA 20 $3,850,000 $192,500 $5,371 3.60%
SHERMAN-DENISON, TX 13 $3,845,000 $295,769 $5,316 2.89%
THE VILLAGES, FL 16 $3,690,000 $230,625 $2,635 3.09%
BELLINGHAM, WA 16 $3,690,000 $230,625 $2,454 3.30%
BATON ROUGE, LA 20 $3,570,000 $178,500 $3,027 3.53%
CHATTANOOGA, TN-GA 16 $3,570,000 $223,125 $2,603 3.62%
SAN LUIS OBISPO-PASO ROBLES, CA 15 $3,535,000 $235,667 $3,234 4.18%
AGUADILLA-ISABELA, PR 19 $3,355,000 $176,579 $5,677 2.77%
NAPA, CA 11 $3,155,000 $286,818 $3,726 3.94%
DES MOINES-WEST DES MOINES, IA 14 $3,140,000 $224,286 $1,993 3.06%
MONTGOMERY, AL 19 $3,105,000 $163,421 $3,703 3.24%
KENNEWICK-RICHLAND, WA 13 $3,085,000 $237,308 $3,851 3.94%
VALDOSTA, GA 10 $3,080,000 $308,000 $2,285 3.25%
SEBASTIAN-VERO BEACH, FL 13 $3,075,000 $236,538 $2,819 2.89%
LANCASTER, PA 17 $3,045,000 $179,118 $3,408 3.32%
AKRON, OH 22 $3,020,000 $137,273 $2,189 3.53%
ALBANY-SCHENECTADY-TROY, NY 17 $3,005,000 $176,765 $3,403 3.49%
MODESTO, CA 17 $2,975,000 $175,000 $2,695 4.12%
STOCKTON, CA 22 $2,910,000 $132,273 $1,765 4.22%
BILLINGS, MT 7 $2,885,000 $412,143 $2,659 3.41%
READING, PA 15 $2,755,000 $183,667 $5,818 3.59%
NORWICH-NEW LONDON, CT 10 $2,730,000 $273,000 $4,489 2.94%
GAINESVILLE, GA 12 $2,720,000 $226,667 $4,024 3.59%
SPRINGFIELD, MA 15 $2,705,000 $180,333 $2,583 2.99%
DOVER, DE 14 $2,670,000 $190,714 $2,349 3.36%
HARRISONBURG, VA 12 $2,640,000 $220,000 $2,250 3.07%
LAFAYETTE, LA 10 $2,630,000 $263,000 $3,796 3.44%
FLAGSTAFF, AZ 9 $2,575,000 $286,111 $2,704 3.04%
LEXINGTON-FAYETTE, KY 9 $2,545,000 $282,778 $2,838 2.89%
GARY, IN 12 $2,510,000 $209,167 $4,491 3.47%
PANAMA CITY, FL 12 $2,490,000 $207,500 $4,021 3.30%
JACKSONVILLE, NC 13 $2,465,000 $189,615 $3,194 3.60%
ROCHESTER, NY 19 $2,395,000 $126,053 $3,301 3.92%
OCEAN CITY, NJ 11 $2,395,000 $217,727 $3,099 3.64%
LAS CRUCES, NM 12 $2,390,000 $199,167 $3,029 3.63%
BURLINGTON, NC 12 $2,380,000 $198,333 $3,993 3.32%
GRAND RAPIDS-KENTWOOD, MI 14 $2,380,000 $170,000 $2,043 3.47%
BROWNSVILLE-HARLINGEN, TX 16 $2,370,000 $148,125 $3,451 3.05%
STAUNTON, VA 10 $2,360,000 $236,000 $3,326 2.98%
LUBBOCK, TX 9 $2,335,000 $259,444 $3,310 2.64%
LONGVIEW, TX 8 $2,310,000 $288,750 $3,158 2.86%
LYNCHBURG, VA 11 $2,295,000 $208,636 $2,454 2.94%
SPRINGFIELD, MO 11 $2,265,000 $205,909 $1,595 3.18%
MADISON, WI 9 $2,235,000 $248,333 $3,410 3.29%
JACKSON, MS 11 $2,235,000 $203,182 $2,876 3.22%
TOLEDO, OH 12 $2,200,000 $183,333 $3,541 3.21%
ANN ARBOR, MI 9 $2,145,000 $238,333 $3,046 3.11%
MISSOULA, MT 6 $2,140,000 $356,667 $4,496 2.83%
GRAND JUNCTION, CO 9 $2,125,000 $236,111 $1,948 3.90%
SIERRA VISTA-DOUGLAS, AZ 11 $2,075,000 $188,636 $1,910 3.50%
ELGIN, IL 13 $2,075,000 $159,615 $2,602 3.84%
TALLAHASSEE, FL 10 $2,070,000 $207,000 $2,191 3.00%
HOT SPRINGS, AR 3 $2,065,000 $688,333 $20,369 3.33%
GETTYSBURG, PA 9 $2,025,000 $225,000 $4,932 2.89%
SALEM, OR 13 $1,885,000 $145,000 $3,331 3.61%
NEW BERN, NC 8 $1,870,000 $233,750 $4,285 3.05%
LAKE HAVASU CITY-KINGMAN, AZ 10 $1,860,000 $186,000 $2,781 3.28%
SUMTER, SC 9 $1,805,000 $200,556 $3,502 3.00%
GULFPORT-BILOXI, MS 9 $1,795,000 $199,444 $2,417 2.63%
CLEVELAND, TN 7 $1,775,000 $253,571 $2,132 3.21%
GOLDSBORO, NC 11 $1,765,000 $160,455 $1,792 3.11%
BRUNSWICK, GA 9 $1,745,000 $193,889 $3,467 3.54%
PITTSFIELD, MA 7 $1,735,000 $247,857 $2,953 2.75%
STATE COLLEGE, PA 7 $1,735,000 $247,857 $3,353 3.14%
LINCOLN, NE 6 $1,730,000 $288,333 $6,068 3.00%
BURLINGTON-SOUTH BURLINGTON, VT 7 $1,715,000 $245,000 $2,543 3.20%
VISALIA, CA 7 $1,655,000 $236,429 $3,907 3.46%
AUBURN-OPELIKA, AL 9 $1,645,000 $182,778 $1,498 2.88%
ARECIBO, PR 13 $1,635,000 $125,769 $4,974 2.69%
WENATCHEE, WA 6 $1,610,000 $268,333 $2,939 3.06%
ELIZABETHTOWN-FORT KNOX, KY 9 $1,595,000 $177,222 $7,025 3.21%
REDDING, CA 8 $1,550,000 $193,750 $2,290 3.53%
COLLEGE STATION-BRYAN, TX 9 $1,545,000 $171,667 $2,533 3.19%
CANTON-MASSILLON, OH 9 $1,545,000 $171,667 $3,176 3.29%
HOMOSASSA SPRINGS, FL 10 $1,510,000 $151,000 $3,726 3.08%
ALBANY, GA 8 $1,510,000 $188,750 $3,337 3.08%
DOTHAN, AL 7 $1,495,000 $213,571 $1,822 3.02%
YUMA, AZ 9 $1,425,000 $158,333 $4,437 3.47%
LAWRENCE, KS 7 $1,405,000 $200,714 $5,256 3.02%
LAFAYETTE-WEST LAFAYETTE, IN 8 $1,390,000 $173,750 $1,822 3.03%
CHEYENNE, WY 7 $1,385,000 $197,857 $3,625 3.54%
ST. JOSEPH, MO-KS 6 $1,380,000 $230,000 $1,714 3.33%
WICHITA FALLS, TX 8 $1,360,000 $170,000 $3,284 2.78%
SPARTANBURG, SC 6 $1,300,000 $216,667 $3,739 2.90%
DAVENPORT-MOLINE-ROCK ISLAND, IA-IL 4 $1,290,000 $322,500 $4,647 2.91%
HICKORY-LENOIR-MORGANTON, NC 10 $1,280,000 $128,000 $2,354 3.64%
BLOOMINGTON, IN 8 $1,280,000 $160,000 $1,521 3.33%
SAN GERMÁN, PR 10 $1,280,000 $128,000 $4,904 2.93%
JOHNSON CITY, TN 7 $1,265,000 $180,714 $3,580 3.52%
IOWA CITY, IA 3 $1,235,000 $411,667 $1,877 2.96%
LAWTON, OK 8 $1,210,000 $151,250 $3,400 3.03%
ST. GEORGE, UT 6 $1,200,000 $200,000 $3,086 3.52%
PUEBLO, CO 6 $1,200,000 $200,000 $3,698 3.17%
ITHACA, NY 4 $1,190,000 $297,500 $3,089 2.66%
WACO, TX 7 $1,175,000 $167,857 $5,209 3.52%
CHICO, CA 7 $1,165,000 $166,429 $3,572 3.93%
KALAMAZOO-PORTAGE, MI 4 $1,150,000 $287,500 $2,338 2.78%
WATERTOWN-FORT DRUM, NY 2 $1,140,000 $570,000 $13,306 2.75%
PONCE, PR 5 $1,135,000 $227,000 $5,267 2.83%
MIDLAND, TX 4 $1,120,000 $280,000 $3,455 3.16%
ROCKY MOUNT, NC 6 $1,100,000 $183,333 $2,279 3.02%
FLORENCE-MUSCLE SHOALS, AL 4 $1,100,000 $275,000 $5,814 2.78%
SYRACUSE, NY 6 $1,090,000 $181,667 $2,460 3.71%
CORVALLIS, OR 4 $1,080,000 $270,000 $3,139 2.75%
ATHENS-CLARKE COUNTY, GA 8 $1,080,000 $135,000 $2,589 3.52%
MIDLAND, MI 5 $1,075,000 $215,000 $1,932 2.80%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA 6 $1,070,000 $178,333 $2,612 2.94%
HOUMA-THIBODAUX, LA 4 $1,060,000 $265,000 $4,122 3.13%
DULUTH, MN-WI 5 $1,035,000 $207,000 $2,046 3.28%
DECATUR, AL 5 $1,035,000 $207,000 $1,684 2.68%
MAYAGÜEZ, PR 5 $1,005,000 $201,000 $5,324 2.85%
MERCED, CA 5 $995,000 $199,000 $2,568 3.78%
BECKLEY, WV 5 $985,000 $197,000 $1,965 2.78%
MACON-BIBB COUNTY, GA 8 $980,000 $122,500 $3,037 3.52%
MOBILE, AL 7 $945,000 $135,000 $4,452 3.61%
GREENVILLE, NC 8 $860,000 $107,500 $1,878 3.95%
FORT WAYNE, IN 5 $855,000 $171,000 $2,272 2.98%
LANSING-EAST LANSING, MI 4 $770,000 $192,500 $1,751 2.94%
JACKSON, TN 5 $765,000 $153,000 $2,395 2.95%
ALTOONA, PA 3 $765,000 $255,000 $3,686 3.21%
ROCHESTER, MN 6 $740,000 $123,333 $1,883 4.15%
KINGSPORT-BRISTOL, TN-VA 3 $735,000 $245,000 $3,463 2.63%
HINESVILLE, GA 7 $725,000 $103,571 $5,326 3.61%
OSHKOSH-NEENAH, WI 3 $725,000 $241,667 $2,299 3.21%
ROME, GA 4 $720,000 $180,000 $3,573 2.53%
YUBA CITY, CA 5 $715,000 $143,000 $1,617 3.75%
ROCKFORD, IL 4 $700,000 $175,000 $1,846 2.91%
NILES, MI 3 $695,000 $231,667 $1,649 2.83%
COLUMBIA, MO 4 $670,000 $167,500 $2,975 3.34%
GREEN BAY, WI 4 $670,000 $167,500 $1,809 3.66%
GRAND FORKS, ND-MN 3 $665,000 $221,667 $6,051 2.79%
SEBRING-AVON PARK, FL 3 $665,000 $221,667 $2,846 2.83%
ABILENE, TX 3 $665,000 $221,667 $2,785 2.96%
ST. CLOUD, MN 2 $660,000 $330,000 $8,627 3.00%
APPLETON, WI 4 $660,000 $165,000 $2,135 3.19%
HANFORD-CORCORAN, CA 5 $655,000 $131,000 $5,929 3.50%
JANESVILLE-BELOIT, WI 3 $635,000 $211,667 $2,974 3.13%
LEBANON, PA 3 $625,000 $208,333 $3,440 3.08%
MORRISTOWN, TN 3 $615,000 $205,000 $2,674 3.33%
LOGAN, UT-ID 3 $615,000 $205,000 $2,106 2.92%
SPRINGFIELD, OH 4 $610,000 $152,500 $2,265 2.88%
BLOOMINGTON, IL 2 $610,000 $305,000 $0 4.75%
SIOUX CITY, IA-NE-SD 2 $600,000 $300,000 $2,287 2.81%
TYLER, TX 5 $585,000 $117,000 $1,741 3.23%
BLACKSBURG-CHRISTIANSBURG, VA 4 $580,000 $145,000 $2,947 3.44%
CHARLESTON, WV 4 $580,000 $145,000 $3,378 3.09%
CAPE GIRARDEAU, MO-IL 2 $570,000 $285,000 $2,932 2.81%
SAN ANGELO, TX 3 $565,000 $188,333 $5,277 2.50%
CARBONDALE-MARION, IL 3 $565,000 $188,333 $3,692 3.08%
FLINT, MI 4 $560,000 $140,000 $1,335 3.22%
CHAMBERSBURG-WAYNESBORO, PA 4 $560,000 $140,000 $2,501 3.78%
DALTON, GA 3 $545,000 $181,667 $5,022 2.83%
TERRE HAUTE, IN 2 $510,000 $255,000 $1,155 2.69%
SIOUX FALLS, SD 3 $505,000 $168,333 $1,381 2.79%
CEDAR RAPIDS, IA 1 $495,000 $495,000 $8,474 2.38%
WHEELING, WV-OH 2 $490,000 $245,000 $2,170 3.19%
RAPID CITY, SD 2 $490,000 $245,000 $1,984 3.06%
MOUNT VERNON-ANACORTES, WA 2 $470,000 $235,000 $1,975 3.13%
GRANTS PASS, OR 1 $455,000 $455,000 $3,102 2.88%
UTICA-ROME, NY 2 $450,000 $225,000 $5,645 2.38%
HATTIESBURG, MS 2 $450,000 $225,000 $1,777 2.88%
HAMMOND, LA 3 $445,000 $148,333 $1,504 3.04%
SOUTH BEND-MISHAWAKA, IN-MI 1 $445,000 $445,000 $784 3.13%
LAREDO, TX 4 $440,000 $110,000 $3,010 3.34%
ALEXANDRIA, LA 2 $440,000 $220,000 $1,796 3.06%
MANHATTAN, KS 3 $435,000 $145,000 $4,720 2.96%
MEDFORD, OR 3 $435,000 $145,000 $2,161 4.13%
SHEBOYGAN, WI 3 $425,000 $141,667 $9,033 3.50%
LEWISTON-AUBURN, ME 2 $420,000 $210,000 $2,759 3.75%
FORT SMITH, AR-OK 3 $415,000 $138,333 $5,643 3.17%
FARMINGTON, NM 3 $415,000 $138,333 $4,762 3.29%
WAUSAU-WESTON, WI 3 $415,000 $138,333 $1,075 2.92%
LEWISTON, ID-WA 2 $410,000 $205,000 $4,799 3.81%
BISMARCK, ND 1 $405,000 $405,000 $1,747 2.50%
MONROE, LA 4 $390,000 $97,500 $1,791 3.22%
FARGO, ND-MN 2 $380,000 $190,000 $1,676 3.19%
GLENS FALLS, NY 1 $375,000 $375,000 $5,014 2.75%
DUBUQUE, IA 2 $370,000 $185,000 $1,552 2.56%
YAKIMA, WA 1 $365,000 $365,000 $4,984 3.63%
AMARILLO, TX 2 $360,000 $180,000 $2,099 2.63%
JACKSON, MI 1 $345,000 $345,000 $2,025 2.88%
ERIE, PA 1 $345,000 $345,000 $4,691 2.75%
GREAT FALLS, MT 2 $340,000 $170,000 $1,229 2.81%
KINGSTON, NY 3 $335,000 $111,667 $0 4.33%
VINELAND-BRIDGETON, NJ 3 $325,000 $108,333 $2,144 3.42%
PINE BLUFF, AR 3 $325,000 $108,333 $1,878 3.83%
HUNTINGTON-ASHLAND, WV-KY-OH 3 $305,000 $101,667 $2,466 3.04%
JOPLIN, MO 2 $290,000 $145,000 $1,907 2.69%
WEIRTON-STEUBENVILLE, WV-OH 2 $290,000 $145,000 $1,563 3.63%
FAIRBANKS, AK 1 $285,000 $285,000 $3,253 2.88%
EVANSVILLE, IN-KY 3 $275,000 $91,667 $1,760 3.25%
COLUMBUS, IN 2 $270,000 $135,000 $0 3.88%
RACINE, WI 2 $270,000 $135,000 $1,875 3.94%
ELKHART-GOSHEN, IN 2 $250,000 $125,000 $3,326 3.50%
MORGANTOWN, WV 3 $235,000 $78,333 $1,350 4.79%
ALBANY-LEBANON, OR 1 $235,000 $235,000 $1,793 3.00%
ENID, OK 1 $235,000 $235,000 $6,369 2.75%
CARSON CITY, NV 3 $235,000 $78,333 $0 4.08%
OWENSBORO, KY 1 $235,000 $235,000 $2,055 2.75%
JONESBORO, AR 2 $230,000 $115,000 $1,705 3.63%
PEORIA, IL 2 $230,000 $115,000 $4,684 3.88%
MANKATO, MN 1 $225,000 $225,000 $1,655 3.00%
BATTLE CREEK, MI 2 $220,000 $110,000 $1,125 3.63%
GRAND ISLAND, NE 1 $215,000 $215,000 $2,123 3.75%
MUSKEGON, MI 2 $210,000 $105,000 $1,428 3.13%
BANGOR, ME 2 $210,000 $105,000 $1,835 3.63%
BEAUMONT-PORT ARTHUR, TX 2 $210,000 $105,000 $2,397 3.44%
TUSCALOOSA, AL 1 $205,000 $205,000 $0 5.25%
BAY CITY, MI 2 $200,000 $100,000 $1,889 2.50%
MADERA, CA 1 $195,000 $195,000 $2,138 3.50%
MONROE, MI 1 $185,000 $185,000 $1,529 2.88%
BINGHAMTON, NY 2 $180,000 $90,000 $0 4.75%
VICTORIA, TX 1 $165,000 $165,000 $2,283 2.25%
MUNCIE, IN 1 $165,000 $165,000 $1,244 2.50%
ODESSA, TX 1 $165,000 $165,000 $3,137 2.63%
MANSFIELD, OH 1 $165,000 $165,000 $2,129 2.50%
SAGINAW, MI 2 $160,000 $80,000 $2,098 2.88%
TOPEKA, KS 1 $155,000 $155,000 $0 3.75%
WILLIAMSPORT, PA 1 $155,000 $155,000 $2,292 3.13%
GADSDEN, AL 1 $125,000 $125,000 $2,099 3.50%
WALLA WALLA, WA 1 $125,000 $125,000 $1,109 3.00%
EL CENTRO, CA 2 $120,000 $60,000 $0 4.25%
BOWLING GREEN, KY 1 $105,000 $105,000 $0 3.75%
FLORENCE, SC 1 $95,000 $95,000 $3,324 2.50%
KOKOMO, IN 1 $65,000 $65,000 $1,473 2.75%
PARKERSBURG-VIENNA, WV 1 $55,000 $55,000 $0 5.00%
AMES, IA 1 $55,000 $55,000 $0 3.75%
TWIN FALLS, ID 1 $55,000 $55,000 $0 3.75%
JOHNSTOWN, PA 1 $55,000 $55,000 $2,174 2.75%
IDAHO FALLS, ID 1 $45,000 $45,000 $0 4.75%
CASPER, WY 1 $25,000 $25,000 $0 4.75%
LIMA, OH 1 $25,000 $25,000 $0 4.75%

Pentagon Federal Credit Union's top markets include Washington, Baltimore, Dallas, Los Angeles, and Frederick among others.

Interest Rates

Loan Rate Originations Total Value Average Loan
3-4% 8,133 $1,811,575,000 $222,744
2.5-3% 5,549 $1,686,245,000 $303,883
<2.5% 2,991 $908,635,000 $303,790
4-5% 2,652 $306,060,000 $115,407
5-6% 427 $43,675,000 $102,283
6-7% 363 $35,475,000 $97,727

During 2020, Pentagon Federal Credit Union's average interest rate was 3.62%, while their most frequently originated rate bucket was 3-4%, with 8,133 originations.

Loan Sizing

Loan Size Originations Total Value Average Loan Average Fees Average Rate
$200k-400k 7,155 $2,042,465,000 $285,460 $3,389 3.06%
$100k-200k 5,000 $725,710,000 $145,142 $2,486 3.51%
$100,000 or less 4,734 $277,250,000 $58,566 $2,053 4.18%
$400k-600k 2,566 $1,211,860,000 $472,276 $4,589 2.98%
$600k-1MM 573 $419,625,000 $732,330 $7,106 3.14%
$1MM+ 87 $114,755,000 $1,319,023 $9,899 3.16%

2020 saw Pentagon Federal Credit Union place emphasis on $200k-400k loans with 7,155 originations, totaling $2,042,465,000 in origination value.

Applicant Income

Applicant Income Originations Total Value Average Loan Average Fees Average Rate
$100k-150k 5,497 $1,225,545,000 $222,948 $3,598 3.48%
$150k-250k 5,061 $1,331,415,000 $263,074 $3,855 3.56%
$75k-100k 2,971 $592,495,000 $199,426 $3,613 3.37%
$50k-75k 2,243 $373,485,000 $166,511 $3,238 3.35%
$250k+ 2,106 $745,520,000 $353,998 $4,561 3.62%
$50k or less 1,006 $128,680,000 $127,913 $2,778 3.32%

Pentagon Federal Credit Union lent most frequently to those with incomes in the $100k-150k range, with 5,497 originations. The second most popular income band? $150k-250k, with 5,061 originations.

Applicant Debt to Income Ratio

DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
20-30% 4,995 $1,207,635,000 $241,769 $3,324 3.35%
30-36% 3,427 $821,955,000 $239,847 $3,691 3.42%
<20% 2,322 $526,820,000 $226,882 $2,881 3.26%
36% 612 $156,300,000 $255,392 $3,868 3.44%
49% 609 $111,615,000 $183,276 $4,081 3.84%
50-60% 608 $142,540,000 $234,441 $7,244 3.90%
40% 585 $133,945,000 $228,966 $3,887 3.63%
39% 584 $140,550,000 $240,668 $3,908 3.54%
37% 584 $144,440,000 $247,329 $3,950 3.45%
38% 567 $138,025,000 $243,430 $4,219 3.49%
41% 566 $136,320,000 $240,848 $3,762 3.58%
42% 548 $134,200,000 $244,891 $3,876 3.57%
43% 534 $121,960,000 $228,390 $3,881 3.61%
44% 524 $112,750,000 $215,172 $3,651 3.61%
46% 484 $97,790,000 $202,045 $3,967 3.65%
48% 483 $96,155,000 $199,079 $4,004 3.78%
47% 463 $96,695,000 $208,844 $4,341 3.70%
45% 447 $93,315,000 $208,758 $3,881 3.70%
>60% 68 $22,880,000 $336,471 $6,185 3.02%

Pentagon Federal Credit Union lent most frequently to those with DTI ratios of 20-30%, with 4,995 originations. The next most common DTI ratio? 30-36%, with 3,427 originations.

Ethnicity Mix

Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
White 10,142 $2,515,100,000 $247,989 $3,520 3.32%
Not provided 7,264 $1,576,260,000 $216,996 $3,665 3.60%
Asian 1,196 $332,160,000 $277,726 $3,412 3.42%
Black 1,279 $305,275,000 $238,683 $3,510 3.35%
American Indian 108 $26,980,000 $249,815 $4,597 3.36%
Native Hawaiian 56 $13,130,000 $234,464 $5,191 3.31%
Asian Indian 32 $10,840,000 $338,750 $3,368 3.34%
Filipino 8 $3,220,000 $402,500 $3,351 2.95%
Other Asian 8 $2,340,000 $292,500 $3,525 3.39%
Vietnamese 7 $1,805,000 $257,857 $2,699 3.23%
Chinese 6 $1,630,000 $271,667 $2,990 3.46%
Other Pacific Islander 4 $1,110,000 $277,500 $4,627 3.97%
Korean 1 $555,000 $555,000 $2,060 2.75%
Guamanian 2 $530,000 $265,000 $8,869 2.63%
Japanese 1 $385,000 $385,000 $3,579 2.88%
Native Hawiian 1 $345,000 $345,000 $3,678 2.50%

Approval Rates

Total approvals of all applications
81.13%

Pentagon Federal Credit Union has a below average approval rate.

Pick Rate

Approvals leading to origination
52.53%

Pentagon Federal Credit Union has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.

Points and Fees

Points Originations Total Value Average Loan
NA 20,115 $4,791,665,000 $238,214

Occupancy Type Mix

Dwelling Type Originations Total Value Average Loan
Single Family (1-4 Units):Manufactured 4 $410,000 $102,500
Single Family (1-4 Units):Site-Built 20,111 $4,791,255,000 $238,241

LTV Distribution

Loan to Value Originations Total Value Average Loan Average Fees Average Rate
20-40% 2,982 $488,620,000 $163,856 $2,431 3.93%
40-60% 2,516 $649,950,000 $258,327 $2,758 3.25%
60-80% 5,075 $1,584,615,000 $312,239 $3,195 3.12%
80-100% 4,744 $1,536,380,000 $323,858 $3,864 2.90%
Over 100% 285 $108,155,000 $379,491 $14,446 2.69%
Under 20% 4,290 $350,960,000 $81,809 $2,824 4.24%