Bethpage Federal Credit Union in Florida vs the state
46.7%Denial rate+25.65 pts vs state
55.1%Decision denial rate+27.86 pts vs state
36.8%Origination rate-15.86 pts vs state
6.75%Median rate+0.13 pts vs state
-0.30Rate spread (pts)-0.57 pts vs state
$140kMedian applicant income
358Loans originated
454Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,192 | 438 | 49.4% | 8.50% | #130 |
| 2024 | 1,296 | 512 | 45.8% | 6.99% | #121 |
| 2025 | 972 | 358 | 46.7% | 6.75% | #159 |
What Bethpage Federal Credit Union lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Bethpage Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Palm Beach County | 144 | 53 | 67 | 46.5% |
| Broward County | 114 | 38 | 56 | 49.1% |
| Miami-Dade County | 110 | 28 | 69 | 62.7% |
| Orange County | 60 | 24 | 30 | 50.0% |
| Hillsborough County | 55 | 20 | 27 | 49.1% |
| Pinellas County | 41 | 16 | 20 | 48.8% |
| Lee County | 32 | 14 | 10 | 31.3% |
| Collier County | 29 | 14 | 11 | 37.9% |
| St. Johns County | 28 | 13 | 8 | 28.6% |
| Brevard County | 27 | 10 | 13 | 48.1% |
Other large lenders in Florida
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 71,405 | 15.3% | 6.44% |
| Rocket Mortgage | C | 46,611 | 21.0% | 6.63% |
| Bank of America | F | 23,634 | 37.7% | 6.24% |
| Pennymac Loan Services | C | 19,516 | 14.1% | 6.50% |
| Navy Federal Credit Union | D | 19,452 | 23.2% | 7.59% |
| Crosscountry Mortgage | B | 19,103 | 5.2% | 6.75% |
| Newrez | D | 17,519 | 22.4% | 6.75% |
| Dhi Mortgage Company | B | 16,661 | 14.5% | 4.88% |
| Lennar Mortgage | A | 14,984 | 21.0% | 4.75% |
| Truist Bank | C | 14,140 | 41.5% | 6.60% |
Frequently asked questions
Florida: 972 applications in 2025, of which 358 were originated and 454 denied.
46.7% of all applications, or 55.1% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Bethpage Federal Credit Union originated in Florida in 2025 was 6.75%, against a statewide median of 6.63%.
About this data. Figures are Bethpage Federal Credit Union's own HMDA filing for properties located in Florida, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology