Bethpage Federal Credit Union in California vs the state
50.5%Denial rate+33.03 pts vs state
56.4%Decision denial rate+33.96 pts vs state
38.3%Origination rate-17.89 pts vs state
6.49%Median rate-0.13 pts vs state
-0.66Rate spread (pts)-0.93 pts vs state
$205kMedian applicant income
552Loans originated
727Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,696 | 715 | 43.4% | 8.50% | #91 |
| 2024 | 1,764 | 781 | 43.2% | 6.99% | #95 |
| 2025 | 1,441 | 552 | 50.5% | 6.49% | #132 |
What Bethpage Federal Credit Union lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Bethpage Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 364 | 137 | 192 | 52.7% |
| San Diego County | 182 | 70 | 96 | 52.7% |
| Orange County | 172 | 64 | 87 | 50.6% |
| Riverside County | 77 | 33 | 32 | 41.6% |
| Contra Costa County | 74 | 32 | 36 | 48.6% |
| Santa Clara County | 74 | 36 | 23 | 31.1% |
| Alameda County | 62 | 21 | 34 | 54.8% |
| San Bernardino County | 39 | 8 | 30 | 76.9% |
| Ventura County | 35 | 15 | 15 | 42.9% |
| San Francisco County | 35 | 13 | 15 | 42.9% |
Other large lenders in California
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 79,261 | 12.6% | 6.49% |
| Rocket Mortgage | C | 58,925 | 17.6% | 6.75% |
| Bank of America | F | 40,190 | 30.8% | 5.99% |
| U.S. Bank | D | 32,493 | 31.6% | 6.50% |
| JPMorgan Chase Bank | B | 22,048 | 9.7% | 6.13% |
| Spring Eq | D | 21,601 | 50.8% | 8.88% |
| Schoolsfirst | A | 19,086 | 10.0% | 6.25% |
| Pennymac Loan Services | C | 18,754 | 13.5% | 6.50% |
| Newrez | D | 17,000 | 19.3% | 6.63% |
| Loandepot.Com | D | 16,645 | 18.7% | 6.63% |
Frequently asked questions
California: 1,441 applications in 2025, of which 552 were originated and 727 denied.
50.5% of all applications, or 56.4% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Bethpage Federal Credit Union originated in California in 2025 was 6.49%, against a statewide median of 6.63%.
About this data. Figures are Bethpage Federal Credit Union's own HMDA filing for properties located in California, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology