Lenders › Pentagon Federal Credit Unioin › California
Pentagon Federal Credit Unioin in California
HMDA record for properties in California, calendar year 2024. National record · California overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
In California, Pentagon Federal Credit Unioin reported 2,805 applications and 1,007 originations for 2024, $265m in all.
Its denial rate in the state was 51.4%, above the California rate of 24.8% across all lenders and compared with the lender's national rate of 51.4%.
The median rate spread on its California originations was 1.0 percentage points (state median 0.4).
Applications in the state were down 5% on 2023.
Compared with the state and the lender's national record
| Measure | In California | California, all lenders | Pentagon Federal Credit Unioin, all states | United States |
|---|---|---|---|---|
| Denial rate | 51.4% | 24.8% | 51.4% | 24.3% |
| Median rate spread, pp | 1.0 | 0.4 | 0.8 | 0.3 |
| Originations with spread of 1.5 pp or more | 18.8% | 19.9% | 16.3% | 15.6% |
| Average originated loan | $263k | $566k | $232k | $329k |
| Home purchase share | 12.0% | 51.2% | 29.8% | 57.0% |
| FHA-insured share | 0.6% | 11.4% | 3.1% | 13.4% |
| VA-guaranteed share | 3.6% | 4.8% | 14.9% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateCalifornia, all lenders
Loan purpose and loan type in California
By purpose
Home purchase 12% (121)Home improvement 45% (454)Refinancing 23% (235)Cash-out refinancing 2% (20)Other purpose 18% (177)
By type
Conventional 96% (965)FHA 1% (6)VA 4% (36)
Denial reasons as coded
Share of 1,086 denials in California by first denial reason coded (outlined bar: all lenders in the state).
Counties in California
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 632 | 215 | $61m | 53.4% |
| Orange County | 312 | 130 | $37m | 45.9% |
| San Diego County | 345 | 117 | $30m | 53.9% |
| Riverside County | 256 | 90 | $19m | 55.6% |
| San Bernardino County | 142 | 52 | $10m | 47.1% |
| Alameda County | 128 | 42 | $11m | 53.8% |
| Santa Clara County | 94 | 40 | $15m | 48.7% |
| Sacramento County | 114 | 38 | $7.8m | 50.6% |
| Contra Costa County | 95 | 29 | $8.4m | 56.9% |
| Ventura County | 84 | 26 | $8.5m | 55.9% |
| Monterey County | 45 | 20 | $4.2m | 35.5% |
| Placer County | 48 | 18 | $4.6m | 47.1% |
| Santa Barbara County | 39 | 17 | $4.7m | 33.3% |
| San Mateo County | 36 | 17 | $6.7m | 34.6% |
| San Joaquin County | 39 | 16 | $4.1m | 51.5% |
| Fresno County | 34 | 13 | $3.4m | 50.0% |
| San Francisco County | 29 | 13 | $5.5m | — |
| Kern County | 39 | 11 | $2.6m | 60.7% |
| Marin County | 25 | 11 | $3.7m | — |
| Solano County | 35 | 9 | $975k | 63.0% |
| Stanislaus County | 25 | 8 | $590k | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Pentagon Federal Credit Unioin originate in California in 2024?
1,007 loans totalling $265m, from 2,805 applications reported for properties in California.
What is Pentagon Federal Credit Unioin's denial rate in California?
51.4% of decided applications in California were denied, against 24.8% for all lenders in the state and 51.4% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which California counties does Pentagon Federal Credit Unioin lend in most?
By originations: Los Angeles County (215), Orange County (130), San Diego County (117), Riverside County (90), San Bernardino County (52).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in California. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.