Bethpage Federal Credit Union in Illinois vs the state
42.2%Denial rate+25.12 pts vs state
50.7%Decision denial rate+28.97 pts vs state
40.4%Origination rate-18.31 pts vs state
6.49%Median rate-0.26 pts vs state
-0.28Rate spread (pts)-0.66 pts vs state
$162kMedian applicant income
112Loans originated
117Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 299 | 130 | 39.1% | 8.50% | #167 |
| 2024 | 340 | 163 | 36.8% | 6.99% | #163 |
| 2025 | 277 | 112 | 42.2% | 6.49% | #201 |
What Bethpage Federal Credit Union lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most Bethpage Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cook County | 141 | 58 | 61 | 43.3% |
| DuPage County | 44 | 15 | 20 | 45.5% |
| Will County | 17 | 10 | 3 | 17.6% |
| Lake County | 15 | 7 | 2 | 13.3% |
| Kane County | 14 | 8 | 6 | 42.9% |
| McHenry County | 11 | 5 | 6 | 54.5% |
| Winnebago County | 4 | 1 | 3 | 75.0% |
| Kendall County | 3 | 2 | 1 | 33.3% |
| Woodford County | 3 | 1 | 0 | 0.0% |
| Boone County | 3 | 1 | 0 | 0.0% |
Other large lenders in Illinois
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Guaranteed Rate | B | 17,479 | 4.9% | 6.63% |
| Rocket Mortgage | C | 16,971 | 19.7% | 6.75% |
| United Shore Financial Services | B | 15,644 | 13.0% | 6.50% |
| JPMorgan Chase Bank | B | 13,574 | 9.7% | 6.49% |
| U.S. Bank | D | 10,076 | 38.3% | 7.00% |
| Crosscountry Mortgage | B | 8,779 | 4.5% | 6.75% |
| Fifth Third Bank | D | 8,628 | 32.1% | 7.50% |
| The Huntington National Bank | D | 8,226 | 31.9% | 6.99% |
| BMO Bank | F | 8,007 | 32.7% | 8.33% |
| Loandepot.Com | D | 7,019 | 17.7% | 6.88% |
Frequently asked questions
Illinois: 277 applications in 2025, of which 112 were originated and 117 denied.
42.2% of all applications, or 50.7% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
The median rate on loans Bethpage Federal Credit Union originated in Illinois in 2025 was 6.49%, against a statewide median of 6.75%.
About this data. Figures are Bethpage Federal Credit Union's own HMDA filing for properties located in Illinois, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology