Lenders › Pentagon Federal Credit Unioin › Missouri
Pentagon Federal Credit Unioin in Missouri
HMDA record for properties in Missouri, calendar year 2024. National record · Missouri 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 Missouri, Pentagon Federal Credit Unioin reported 273 applications and 105 originations for 2024, $24m in all.
Its denial rate in the state was 46.2%, above the Missouri rate of 19.9% across all lenders and compared with the lender's national rate of 51.4%.
The median rate spread on its Missouri originations was 0.5 percentage points (state median 0.4).
Applications in the state were down 17% on 2023.
Compared with the state and the lender's national record
| Measure | In Missouri | Missouri, all lenders | Pentagon Federal Credit Unioin, all states | United States |
|---|---|---|---|---|
| Denial rate | 46.2% | 19.9% | 51.4% | 24.3% |
| Median rate spread, pp | 0.5 | 0.4 | 0.8 | 0.3 |
| Originations with spread of 1.5 pp or more | 14.3% | 14.1% | 16.3% | 15.6% |
| Average originated loan | $224k | $231k | $232k | $329k |
| Home purchase share | 40.0% | 58.6% | 29.8% | 57.0% |
| FHA-insured share | 6.7% | 12.8% | 3.1% | 13.4% |
| VA-guaranteed share | 21.0% | 8.2% | 14.9% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateMissouri, all lenders
Loan purpose and loan type in Missouri
By purpose
Home purchase 40% (42)Home improvement 27% (28)Refinancing 14% (15)Cash-out refinancing 5% (5)Other purpose 14% (15)
By type
Conventional 72% (76)FHA 7% (7)VA 21% (22)
Denial reasons as coded
Share of 92 denials in Missouri by first denial reason coded (outlined bar: all lenders in the state).
Counties in Missouri
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| St. Louis County | 42 | 12 | $3.1m | — |
| St. Charles County | 31 | 12 | $2.4m | — |
| Jackson County | 29 | 11 | $2.0m | 56.0% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Pentagon Federal Credit Unioin originate in Missouri in 2024?
105 loans totalling $24m, from 273 applications reported for properties in Missouri.
What is Pentagon Federal Credit Unioin's denial rate in Missouri?
46.2% of decided applications in Missouri were denied, against 19.9% 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 Missouri counties does Pentagon Federal Credit Unioin lend in most?
By originations: St. Louis County (12), St. Charles County (12), Jackson County (11).
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 Missouri. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.