Bethpage Federal Credit Union in Indiana vs the state
51.0%Denial rate+34.47 pts vs state
59.0%Decision denial rate+38.90 pts vs state
35.4%Origination rate-26.83 pts vs state
6.49%Median rate-0.26 pts vs state
-0.70Rate spread (pts)-1.06 pts vs state
$106kMedian applicant income
34Loans originated
49Denied
Trend in Indiana
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 103 | 34 | 51.5% | 8.50% | #247 |
| 2024 | 119 | 48 | 48.7% | 6.99% | #234 |
| 2025 | 96 | 34 | 51.0% | 6.49% | #275 |
What Bethpage Federal Credit Union lends in Indiana
By loan purpose
By loan type
Why it denied Indiana applicants
Where in Indiana
Counties with the most Bethpage Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hamilton County | 16 | 10 | 3 | 18.8% |
| Marion County | 12 | 2 | 9 | 75.0% |
| LaPorte County | 7 | 3 | 4 | 57.1% |
| Allen County | 6 | 4 | 2 | 33.3% |
| Lake County | 5 | 2 | 2 | 40.0% |
| Monroe County | 5 | 0 | 3 | 60.0% |
| Hendricks County | 4 | 1 | 3 | 75.0% |
| Elkhart County | 4 | 2 | 2 | 50.0% |
| St. Joseph County | 4 | 2 | 1 | 25.0% |
| Shelby County | 3 | 1 | 1 | 33.3% |
Other large lenders in Indiana
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 13,503 | 18.6% | 6.75% |
| Ruoff Mortgage Company | A | 8,860 | 4.0% | 6.75% |
| Fifth Third Bank | D | 8,693 | 27.6% | 7.75% |
| United Shore Financial Services | B | 8,659 | 12.2% | 6.38% |
| Freedom Mortgage | B | 5,454 | 8.9% | 6.25% |
| Newrez | D | 5,421 | 18.2% | 6.63% |
| First Merchants Bank | C | 5,114 | 19.9% | 6.76% |
| Fairway Independent Mortgage | B | 4,813 | 7.4% | 6.75% |
| Mortgage Research Center | C | 4,791 | 19.0% | 6.25% |
| PNC Bank | D | 4,724 | 25.1% | 7.55% |
Frequently asked questions
Indiana: 96 applications in 2025, of which 34 were originated and 49 denied.
51.0% of all applications, or 59.0% of the applications it actually decided on. The Indiana statewide average across all lenders was 16.6%.
The median rate on loans Bethpage Federal Credit Union originated in Indiana 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 Indiana, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology