Bethpage Federal Credit Union in Colorado vs the state
42.0%Denial rate+26.35 pts vs state
47.2%Decision denial rate+27.56 pts vs state
45.7%Origination rate-14.34 pts vs state
6.49%Median rate-0.13 pts vs state
-0.70Rate spread (pts)-0.85 pts vs state
$170kMedian applicant income
74Loans originated
68Denied
Trend in Colorado
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 198 | 82 | 41.4% | 8.75% | #160 |
| 2024 | 240 | 112 | 40.4% | 6.99% | #147 |
| 2025 | 162 | 74 | 42.0% | 6.49% | #195 |
What Bethpage Federal Credit Union lends in Colorado
By loan purpose
By loan type
Why it denied Colorado applicants
Where in Colorado
Counties with the most Bethpage Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 25 | 13 | 10 | 40.0% |
| Arapahoe County | 20 | 9 | 9 | 45.0% |
| Denver County | 19 | 11 | 7 | 36.8% |
| Douglas County | 16 | 7 | 8 | 50.0% |
| Larimer County | 16 | 3 | 12 | 75.0% |
| El Paso County | 12 | 9 | 2 | 16.7% |
| Weld County | 8 | 4 | 3 | 37.5% |
| Boulder County | 7 | 5 | 2 | 28.6% |
| Eagle County | 6 | 3 | 1 | 16.7% |
| Adams County | 5 | 2 | 1 | 20.0% |
Other large lenders in Colorado
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 23,111 | 8.8% | 6.13% |
| ENT Credit Union | B | 13,238 | 20.9% | 7.50% |
| Rocket Mortgage | C | 11,486 | 15.7% | 6.61% |
| Guild Mortgage | A | 6,232 | 3.1% | 6.62% |
| Bellco Credit Union | F | 5,863 | 40.9% | 8.00% |
| U.S. Bank | D | 4,978 | 36.0% | 7.95% |
| American Financing | D | 4,937 | 41.3% | 6.38% |
| FirstBank | C | 4,929 | 15.6% | 7.00% |
| Canvas Credit Union | C | 4,889 | 13.7% | 7.89% |
| Elevations | C | 4,426 | 10.8% | 6.88% |
Frequently asked questions
Colorado: 162 applications in 2025, of which 74 were originated and 68 denied.
42.0% of all applications, or 47.2% of the applications it actually decided on. The Colorado statewide average across all lenders was 15.6%.
The median rate on loans Bethpage Federal Credit Union originated in Colorado 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 Colorado, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology