PENTAGON FEDERAL CREDIT UNION

11,049 mortgages originated in 2025 across 37 states, and what they cost borrowers.

Loans originated

11,049

Median rate

7.625%

Median lender fees

$5,431

Median loan amount

$185,000

Median spread over APOR

0.390

Paid discount points

17.3%

Received lender credits

15.2%

Purchases / refinances

24.3% / 27.4%

Conventional / FHA / VA

83.7% / 2.5% / 13.8%

Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 32.4% of loans here — see methodology.

Where PENTAGON FEDERAL CREDIT UNION lent

States with at least 50 loans in 2025, ranked by volume.