Bethpage Federal Credit Union in Alabama vs the state
48.3%Denial rate+28.43 pts vs state
54.9%Decision denial rate+29.90 pts vs state
39.7%Origination rate-15.73 pts vs state
6.99%Median rate+0.49 pts vs state
-0.58Rate spread (pts)-0.87 pts vs state
$110kMedian applicant income
23Loans originated
28Denied
Trend in Alabama
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 64 | 22 | 50.0% | 8.75% | #257 |
| 2024 | 68 | 35 | 41.2% | 6.99% | #259 |
| 2025 | 58 | 23 | 48.3% | 6.99% | #291 |
What Bethpage Federal Credit Union lends in Alabama
By loan purpose
By loan type
Why it denied Alabama applicants
Where in Alabama
Counties with the most Bethpage Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Madison County | 10 | 3 | 4 | 40.0% |
| Shelby County | 9 | 4 | 4 | 44.4% |
| Jefferson County | 8 | 3 | 5 | 62.5% |
| Montgomery County | 6 | 1 | 5 | 83.3% |
| Baldwin County | 6 | 4 | 2 | 33.3% |
| Limestone County | 3 | 1 | 1 | 33.3% |
| Mobile County | 2 | 1 | 1 | 50.0% |
| DeKalb County | 2 | 0 | 2 | 100.0% |
| Tuscaloosa County | 2 | 1 | 1 | 50.0% |
| Lee County | 2 | 2 | 0 | 0.0% |
Other large lenders in Alabama
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Regions Bank | C | 11,871 | 37.2% | 4.99% |
| Rocket Mortgage | C | 9,941 | 20.5% | 6.63% |
| Vanderbilt Mortgage and Finance | F | 8,461 | 41.4% | 9.50% |
| United Shore Financial Services | B | 7,689 | 12.0% | 6.13% |
| 21st Mortgage | F | 6,507 | 46.0% | 9.98% |
| Mortgage Research Center | C | 5,107 | 18.4% | 6.25% |
| REDSTONE Federal Credit Union | C | 4,548 | 18.9% | 8.13% |
| Dhi Mortgage Company | B | 3,909 | 17.5% | 4.99% |
| Freedom Mortgage | B | 3,725 | 8.7% | 6.25% |
| Pennymac Loan Services | C | 3,611 | 11.6% | 6.25% |
Frequently asked questions
Alabama: 58 applications in 2025, of which 23 were originated and 28 denied.
48.3% of all applications, or 54.9% of the applications it actually decided on. The Alabama statewide average across all lenders was 19.9%.
The median rate on loans Bethpage Federal Credit Union originated in Alabama in 2025 was 6.99%, against a statewide median of 6.50%.
About this data. Figures are Bethpage Federal Credit Union's own HMDA filing for properties located in Alabama, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology