Bethpage Federal Credit Union in Idaho vs the state
46.4%Denial rate+31.98 pts vs state
61.9%Decision denial rate+44.38 pts vs state
28.6%Origination rate-34.45 pts vs state
6.49%Median rate-0.13 pts vs state
-0.71Rate spread (pts)-0.86 pts vs state
$143kMedian applicant income
8Loans originated
13Denied
Trend in Idaho
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 42 | 10 | 64.3% | 8.50% | #156 |
| 2024 | 41 | 17 | 53.7% | 6.99% | #156 |
| 2025 | 28 | 8 | 46.4% | 6.49% | #198 |
What Bethpage Federal Credit Union lends in Idaho
By loan purpose
By loan type
Why it denied Idaho applicants
Where in Idaho
Counties with the most Bethpage Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Ada County | 15 | 5 | 6 | 40.0% |
| Canyon County | 4 | 0 | 3 | 75.0% |
| Kootenai County | 3 | 1 | 2 | 66.7% |
| Twin Falls County | 2 | 1 | 1 | 50.0% |
| Teton County | 1 | 0 | 1 | 100.0% |
| Nez Perce County | 1 | 0 | 0 | 0.0% |
| Bonneville County | 1 | 1 | 0 | 0.0% |
| Bonner County | 1 | 0 | 0 | 0.0% |
Other large lenders in Idaho
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Idaho Central Credit Union | A | 15,644 | 16.5% | 7.00% |
| Rocket Mortgage | C | 4,391 | 13.3% | 6.63% |
| United Shore Financial Services | B | 3,943 | 9.1% | 6.12% |
| Premier Mortgage Resources | B | 2,504 | 2.7% | 6.25% |
| Mountain America Federal Credit Union | D | 2,323 | 37.7% | 7.24% |
| Guild Mortgage | A | 2,320 | 3.4% | 6.50% |
| U.S. Bank | D | 2,161 | 28.6% | 7.35% |
| Loandepot.Com | D | 1,622 | 14.2% | 6.50% |
| Glacier Bank | D | 1,507 | 14.5% | 6.88% |
| Pennymac Loan Services | C | 1,297 | 10.8% | 6.50% |
Frequently asked questions
Idaho: 28 applications in 2025, of which 8 were originated and 13 denied.
46.4% of all applications, or 61.9% of the applications it actually decided on. The Idaho statewide average across all lenders was 14.5%.
The median rate on loans Bethpage Federal Credit Union originated in Idaho 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 Idaho, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology