Lenders › Pentagon Federal Credit Unioin › Georgia
Pentagon Federal Credit Unioin in Georgia
HMDA record for properties in Georgia, calendar year 2024. National record · Georgia 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 Georgia, Pentagon Federal Credit Unioin reported 1,485 applications and 551 originations for 2024, $117m in all.
Its denial rate in the state was 51.4%, above the Georgia rate of 26.9% across all lenders and compared with the lender's national rate of 51.4%.
The median rate spread on its Georgia originations was 0.8 percentage points (state median 0.4).
Applications in the state were down 15% on 2023.
Compared with the state and the lender's national record
| Measure | In Georgia | Georgia, all lenders | Pentagon Federal Credit Unioin, all states | United States |
|---|---|---|---|---|
| Denial rate | 51.4% | 26.9% | 51.4% | 24.3% |
| Median rate spread, pp | 0.8 | 0.4 | 0.8 | 0.3 |
| Originations with spread of 1.5 pp or more | 18.4% | 17.5% | 16.3% | 15.6% |
| Average originated loan | $212k | $313k | $232k | $329k |
| Home purchase share | 28.3% | 57.0% | 29.8% | 57.0% |
| FHA-insured share | 4.7% | 18.3% | 3.1% | 13.4% |
| VA-guaranteed share | 19.6% | 11.6% | 14.9% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateGeorgia, all lenders
Loan purpose and loan type in Georgia
By purpose
Home purchase 28% (156)Home improvement 32% (178)Refinancing 18% (99)Cash-out refinancing 7% (37)Other purpose 15% (81)
By type
Conventional 76% (417)FHA 5% (26)VA 20% (108)
Denial reasons as coded
Share of 596 denials in Georgia by first denial reason coded (outlined bar: all lenders in the state).
Counties in Georgia
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Fulton County | 189 | 70 | $15m | 51.4% |
| Gwinnett County | 153 | 53 | $9.5m | 59.1% |
| Cobb County | 112 | 45 | $10m | 38.2% |
| Columbia County | 89 | 43 | $11m | 38.6% |
| DeKalb County | 103 | 42 | $8.3m | 46.3% |
| Forsyth County | 83 | 30 | $5.8m | 48.3% |
| Chatham County | 58 | 23 | $4.8m | 51.1% |
| Henry County | 48 | 21 | $5.9m | 46.2% |
| Richmond County | 63 | 19 | $2.9m | 57.1% |
| Cherokee County | 55 | 19 | $4.8m | 58.7% |
| Clayton County | 45 | 17 | $2.6m | 57.5% |
| Houston County | 30 | 13 | $3.0m | — |
| Paulding County | 32 | 11 | $1.7m | 56.0% |
| Muscogee County | 27 | 10 | $1.9m | — |
| Douglas County | 27 | 10 | $2.4m | — |
| Fayette County | 43 | 4 | $840k | 87.1% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Pentagon Federal Credit Unioin originate in Georgia in 2024?
551 loans totalling $117m, from 1,485 applications reported for properties in Georgia.
What is Pentagon Federal Credit Unioin's denial rate in Georgia?
51.4% of decided applications in Georgia were denied, against 26.9% 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 Georgia counties does Pentagon Federal Credit Unioin lend in most?
By originations: Fulton County (70), Gwinnett County (53), Cobb County (45), Columbia County (43), DeKalb County (42).
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 Georgia. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.