Lenders › Pentagon Federal Credit Unioin › Florida
Pentagon Federal Credit Unioin in Florida
HMDA record for properties in Florida, calendar year 2024. National record · Florida 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 Florida, Pentagon Federal Credit Unioin reported 2,731 applications and 885 originations for 2024, $210m in all.
Its denial rate in the state was 56.0%, above the Florida rate of 29.0% across all lenders and compared with the lender's national rate of 51.4%.
The median rate spread on its Florida originations was 0.7 percentage points (state median 0.3).
Applications in the state were down 22% on 2023.
Compared with the state and the lender's national record
| Measure | In Florida | Florida, all lenders | Pentagon Federal Credit Unioin, all states | United States |
|---|---|---|---|---|
| Denial rate | 56.0% | 29.0% | 51.4% | 24.3% |
| Median rate spread, pp | 0.7 | 0.3 | 0.8 | 0.3 |
| Originations with spread of 1.5 pp or more | 15.8% | 16.4% | 16.3% | 15.6% |
| Average originated loan | $237k | $359k | $232k | $329k |
| Home purchase share | 29.6% | 62.9% | 29.8% | 57.0% |
| FHA-insured share | 3.1% | 17.7% | 3.1% | 13.4% |
| VA-guaranteed share | 18.0% | 9.5% | 14.9% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateFlorida, all lenders
Loan purpose and loan type in Florida
By purpose
Home purchase 30% (262)Home improvement 32% (287)Refinancing 16% (139)Cash-out refinancing 5% (42)Other purpose 18% (155)
By type
Conventional 79% (699)FHA 3% (27)VA 18% (159)
Denial reasons as coded
Share of 1,151 denials in Florida by first denial reason coded (outlined bar: all lenders in the state).
Counties in Florida
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Miami-Dade County | 284 | 85 | $21m | 61.1% |
| Hillsborough County | 187 | 78 | $21m | 42.1% |
| Broward County | 272 | 70 | $17m | 64.3% |
| Orange County | 197 | 62 | $16m | 56.6% |
| Palm Beach County | 218 | 57 | $14m | 63.7% |
| Polk County | 112 | 40 | $7.1m | 52.9% |
| Brevard County | 74 | 35 | $9.1m | 41.7% |
| Pinellas County | 123 | 33 | $8.3m | 63.4% |
| Okaloosa County | 63 | 32 | $8.7m | 39.6% |
| Volusia County | 82 | 30 | $5.9m | 55.2% |
| Manatee County | 70 | 28 | $5.6m | 45.3% |
| Duval County | 73 | 26 | $5.1m | 44.0% |
| Seminole County | 64 | 25 | $4.6m | 46.8% |
| Osceola County | 101 | 24 | $4.3m | 68.8% |
| Pasco County | 80 | 23 | $5.1m | 54.7% |
| Lee County | 83 | 21 | $4.3m | 67.2% |
| St. Johns County | 53 | 20 | $5.3m | 53.5% |
| Santa Rosa County | 33 | 19 | $5.3m | 26.9% |
| Lake County | 50 | 17 | $4.0m | 53.8% |
| St. Lucie County | 61 | 15 | $2.9m | 64.4% |
| Sarasota County | 44 | 15 | $4.1m | 50.0% |
| Marion County | 56 | 14 | $2.6m | 65.9% |
| Escambia County | 33 | 11 | $2.5m | 55.6% |
| Citrus County | 26 | 9 | $1.9m | — |
| Collier County | 44 | 7 | $2.1m | 78.1% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Pentagon Federal Credit Unioin originate in Florida in 2024?
885 loans totalling $210m, from 2,731 applications reported for properties in Florida.
What is Pentagon Federal Credit Unioin's denial rate in Florida?
56.0% of decided applications in Florida were denied, against 29.0% 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 Florida counties does Pentagon Federal Credit Unioin lend in most?
By originations: Miami-Dade County (85), Hillsborough County (78), Broward County (70), Orange County (62), Palm Beach County (57).
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 Florida. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.