Lenders › Pentagon Federal Credit Unioin › Texas
Pentagon Federal Credit Unioin in Texas
HMDA record for properties in Texas, calendar year 2024. National record · Texas 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 Texas, Pentagon Federal Credit Unioin reported 3,106 applications and 1,013 originations for 2024, $225m in all.
Its denial rate in the state was 57.3%, above the Texas rate of 26.0% across all lenders and compared with the lender's national rate of 51.4%.
The median rate spread on its Texas originations was 0.7 percentage points (state median 0.2).
Applications in the state were down 21% on 2023.
Compared with the state and the lender's national record
| Measure | In Texas | Texas, all lenders | Pentagon Federal Credit Unioin, all states | United States |
|---|---|---|---|---|
| Denial rate | 57.3% | 26.0% | 51.4% | 24.3% |
| Median rate spread, pp | 0.7 | 0.2 | 0.8 | 0.3 |
| Originations with spread of 1.5 pp or more | 14.7% | 11.8% | 16.3% | 15.6% |
| Average originated loan | $223k | $350k | $232k | $329k |
| Home purchase share | 34.7% | 72.8% | 29.8% | 57.0% |
| FHA-insured share | 4.5% | 19.8% | 3.1% | 13.4% |
| VA-guaranteed share | 14.5% | 10.4% | 14.9% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateTexas, all lenders
Loan purpose and loan type in Texas
By purpose
Home purchase 35% (352)Home improvement 35% (352)Refinancing 10% (98)Cash-out refinancing 4% (42)Other purpose 17% (169)
By type
Conventional 81% (820)FHA 5% (46)VA 15% (147)
Denial reasons as coded
Share of 1,392 denials in Texas by first denial reason coded (outlined bar: all lenders in the state).
Counties in Texas
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Bexar County | 364 | 130 | $29m | 53.1% |
| Tarrant County | 243 | 95 | $20m | 48.4% |
| Denton County | 209 | 84 | $21m | 47.0% |
| Harris County | 291 | 79 | $15m | 65.8% |
| Collin County | 276 | 78 | $19m | 61.7% |
| Dallas County | 261 | 77 | $17m | 60.7% |
| Bell County | 165 | 52 | $6.7m | 62.1% |
| Travis County | 106 | 29 | $8.8m | 60.0% |
| Fort Bend County | 107 | 28 | $7.3m | 67.7% |
| Williamson County | 77 | 28 | $6.6m | 55.6% |
| El Paso County | 83 | 26 | $4.3m | 61.2% |
| Comal County | 49 | 24 | $6.2m | 40.0% |
| Montgomery County | 83 | 22 | $6.4m | 63.9% |
| Hidalgo County | 58 | 20 | $2.4m | 56.5% |
| Ellis County | 50 | 17 | $3.7m | 63.8% |
| Nueces County | 34 | 15 | $4.1m | 42.3% |
| Guadalupe County | 40 | 13 | $3.9m | 50.0% |
| Rockwall County | 29 | 13 | $3.0m | — |
| Kaufman County | 34 | 11 | $2.0m | 55.6% |
| Cameron County | 37 | 10 | $2.2m | 65.5% |
| Brazoria County | 26 | 10 | $2.2m | — |
| Galveston County | 25 | 9 | $2.5m | — |
| Hays County | 26 | 8 | $2.1m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Pentagon Federal Credit Unioin originate in Texas in 2024?
1,013 loans totalling $225m, from 3,106 applications reported for properties in Texas.
What is Pentagon Federal Credit Unioin's denial rate in Texas?
57.3% of decided applications in Texas were denied, against 26.0% 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 Texas counties does Pentagon Federal Credit Unioin lend in most?
By originations: Bexar County (130), Tarrant County (95), Denton County (84), Harris County (79), Collin County (78).
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 Texas. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.