Pentagon Federal Credit Union
Washington, District of Columbia · HQ in District of Columbia County · NMLS #401822
Central DC credit union — community-focused member rates for high-velocity urban core buyers in Zip 20005.
Public research signals
What we can show from re-checkable or attributed sources for this listing — not a grade, ranking, or approval odds.
- NMLS verifiedNMLS #401822 — re-confirm on NMLS Consumer Access before applying.
- Local HQ evidenceHQ locality derived from zip (Washington)
- No attributed ratingNo volume-backed third-party rating on file
- CFPB complaint record availablePublic CFPB complaint context available — not a finding of fault
- HMDA not matchedNo LEI/slug HMDA match in our research tables
Evidence chips are not rankings, approval odds, or a grade. Methodology
- NMLS / license status
- NMLS ID verified
- NMLS #401822 — re-confirm on NMLS Consumer Access before applying.
- Local market evidence
- Local market evidence · District of Columbia County
- HQ locality derived from zip (Washington)
Does not measure approval odds, interest rates, closing speed, or future service quality. Not a regulator grade or NMLS endorsement.
Evidence detail (no score or point allocation)
- NMLS identity evidence: NMLS #401822 — re-confirm on NMLS Consumer Access before applying.
- Third-party reputation snapshot: No review volume on file
- CFPB complaint pattern: Catalog shows 0 complaints — treated as unverified default, not a clean bill of health
- BBB grade (catalog): Grade A+ listed in seed data — not scored until independently sourced (confirm on BBB.org)
- Licensed locality completeness: Derived HQ locality: District of Columbia County (zip)
- Loan type disclosure: 4 loan type(s) listed
Ask Trust Hub Standard · Common ownership · Separated research & listing order · No paid placements · Methodology
Closing timelines are only shown when backed by a documented observed dataset (source, sample size, window). Seed or editorial estimates are not displayed. Hub methodology. Research listing only — not an endorsement of this lender. Re-verify NMLS #401822 on NMLS Consumer Access.
Loan Types
Specialties
Public metrics (provenance-gated)
Raw count as listed — not size-normalized. A complaint is not a finding of wrongdoing.
Self-described product focus as listed — not underwriting criteria.
Third-party review and BBB snapshots are suppressed until independently retrieved. Volume ranks are not shown without a documented source.
Consumer complaint context · CFPB
What the public complaint record shows
Source: CFPB Consumer Complaint Database · Mortgage product only · Not a score or ranking
Cumulative published rows for matched company name(s)
Published on or after 2024-08-10
818 yes · 5 no (CFPB field)
Top complaint issues
- Trouble during payment process275(33.4%)
- Applying for a mortgage or refinancing an existing mortgage199(24.2%)
- Closing on a mortgage105(12.8%)
- Application, originator, mortgage broker74(9%)
- Loan servicing, payments, escrow account45(5.5%)
Company response (as published)
- Closed with explanation580(70.5%)
- Closed with monetary relief133(16.2%)
- Closed with non-monetary relief99(12%)
- Closed without relief7(0.9%)
- Closed with relief3(0.4%)
Matching & scope
Matched to CFPB company name “PENTAGON FEDERAL CREDIT UNION” (PenFed). Directory slug is a regional listing.
CFPB company name(s): PENTAGON FEDERAL CREDIT UNION
Complaints are national (CFPB mortgage product). HMDA originations on this site are currently Florida-focused for matched LEIs. A per-1,000 rate mixes national complaint volume with state originations — use only as rough size context, not a score.
Data as of 2026-08-10. Complaint counts come from the public CFPB Consumer Complaint Database (mortgage product only). They are not a finding of fault, not size-normalized by default, and are not a rating or ranking. Larger originators and servicers naturally attract more complaints. CFPB Consumer Complaint Database.
We show the public record. You decide.
Research listing only — not an endorsement. Re-verify NMLS identity on NMLS Consumer Access before applying. Lender Trust Hub is not a lender or broker.