Bethpage Federal Credit Union in Georgia vs the state
46.5%Denial rate+27.27 pts vs state
53.3%Decision denial rate+28.25 pts vs state
40.3%Origination rate-13.80 pts vs state
6.49%Median rate-0.13 pts vs state
-0.68Rate spread (pts)-0.95 pts vs state
$147kMedian applicant income
195Loans originated
225Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 512 | 211 | 44.7% | 8.75% | #129 |
| 2024 | 586 | 264 | 42.2% | 6.99% | #130 |
| 2025 | 484 | 195 | 46.5% | 6.49% | #156 |
What Bethpage Federal Credit Union lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most Bethpage Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fulton County | 85 | 30 | 48 | 56.5% |
| Gwinnett County | 61 | 23 | 32 | 52.5% |
| Cobb County | 58 | 26 | 24 | 41.4% |
| DeKalb County | 48 | 28 | 12 | 25.0% |
| Forsyth County | 36 | 18 | 15 | 41.7% |
| Cherokee County | 26 | 13 | 11 | 42.3% |
| Coweta County | 12 | 0 | 8 | 66.7% |
| Fayette County | 11 | 3 | 5 | 45.5% |
| Chatham County | 10 | 4 | 5 | 50.0% |
| Walton County | 8 | 5 | 3 | 37.5% |
Other large lenders in Georgia
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 29,845 | 18.2% | 6.63% |
| United Shore Financial Services | B | 23,784 | 12.6% | 6.25% |
| Navy Federal Credit Union | D | 12,388 | 26.4% | 7.95% |
| Truist Bank | C | 10,563 | 38.7% | 6.49% |
| Pennymac Loan Services | C | 10,273 | 11.6% | 6.49% |
| Broker Solutions | D | 9,709 | 8.6% | 6.63% |
| Mortgage Research Center | C | 9,443 | 19.8% | 6.25% |
| Freedom Mortgage | B | 9,293 | 9.1% | 6.25% |
| Bank of America | F | 9,168 | 36.5% | 6.24% |
| Ameris Bank | B | 8,065 | 10.1% | 6.50% |
Frequently asked questions
Georgia: 484 applications in 2025, of which 195 were originated and 225 denied.
46.5% of all applications, or 53.3% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans Bethpage Federal Credit Union originated in Georgia 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 Georgia, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology