Bethpage Federal Credit Union in Arizona vs the state
48.2%Denial rate+31.97 pts vs state
55.2%Decision denial rate+34.74 pts vs state
38.3%Origination rate-21.19 pts vs state
6.49%Median rate-0.01 pts vs state
-0.71Rate spread (pts)-0.93 pts vs state
$148kMedian applicant income
85Loans originated
107Denied
Trend in Arizona
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 329 | 153 | 40.7% | 8.75% | #121 |
| 2024 | 326 | 151 | 39.9% | 6.99% | #128 |
| 2025 | 222 | 85 | 48.2% | 6.49% | #168 |
What Bethpage Federal Credit Union lends in Arizona
By loan purpose
By loan type
Why it denied Arizona applicants
Where in Arizona
Counties with the most Bethpage Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Maricopa County | 166 | 64 | 80 | 48.2% |
| Pima County | 22 | 8 | 8 | 36.4% |
| Yavapai County | 10 | 3 | 6 | 60.0% |
| Pinal County | 9 | 3 | 6 | 66.7% |
| Mohave County | 4 | 2 | 2 | 50.0% |
| Coconino County | 3 | 2 | 1 | 33.3% |
| Yuma County | 3 | 1 | 2 | 66.7% |
| Cochise County | 2 | 1 | 0 | 0.0% |
| Navajo County | 2 | 0 | 2 | 100.0% |
| Graham County | 1 | 1 | 0 | 0.0% |
Other large lenders in Arizona
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 25,383 | 10.2% | 6.25% |
| Rocket Mortgage | C | 17,947 | 15.6% | 6.75% |
| Desert Financial Credit Union | B | 16,970 | 24.3% | 6.49% |
| Crosscountry Mortgage | B | 7,570 | 3.8% | 6.58% |
| Fairway Independent Mortgage | B | 6,729 | 5.6% | 6.63% |
| Bank of America | F | 6,229 | 32.2% | 6.24% |
| Loandepot.Com | D | 6,180 | 16.1% | 5.99% |
| Pennymac Loan Services | C | 5,838 | 11.7% | 6.62% |
| Nova Financial & Investment | C | 5,380 | 16.2% | 6.49% |
| Freedom Mortgage | B | 4,991 | 7.0% | 6.00% |
Frequently asked questions
Arizona: 222 applications in 2025, of which 85 were originated and 107 denied.
48.2% of all applications, or 55.2% of the applications it actually decided on. The Arizona statewide average across all lenders was 16.2%.
The median rate on loans Bethpage Federal Credit Union originated in Arizona in 2025 was 6.49%, against a statewide median of 6.50%.
About this data. Figures are Bethpage Federal Credit Union's own HMDA filing for properties located in Arizona, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology