Bethpage Federal Credit Union in Kentucky vs the state
54.1%Denial rate+35.24 pts vs state
66.7%Decision denial rate+43.18 pts vs state
27.0%Origination rate-31.01 pts vs state
7.25%Median rate+0.50 pts vs state
0.01Rate spread (pts)-0.31 pts vs state
$100kMedian applicant income
10Loans originated
20Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 58 | 16 | 51.7% | 8.75% | #224 |
| 2024 | 46 | 14 | 43.5% | 6.99% | #247 |
| 2025 | 37 | 10 | 54.1% | 7.25% | #292 |
What Bethpage Federal Credit Union lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most Bethpage Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 6 | 3 | 1 | 16.7% |
| Kenton County | 4 | 2 | 1 | 25.0% |
| Scott County | 4 | 1 | 2 | 50.0% |
| Boone County | 3 | 0 | 1 | 33.3% |
| Franklin County | 2 | 0 | 2 | 100.0% |
| Fayette County | 2 | 1 | 1 | 50.0% |
| Taylor County | 1 | 0 | 1 | 100.0% |
| Mason County | 1 | 0 | 1 | 100.0% |
| Washington County | 1 | 0 | 1 | 100.0% |
| Campbell County | 1 | 0 | 0 | 0.0% |
Other large lenders in Kentucky
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 8,420 | 18.1% | 6.75% |
| Vanderbilt Mortgage and Finance | F | 8,220 | 44.8% | 9.50% |
| United Shore Financial Services | B | 6,871 | 9.8% | 6.50% |
| Fifth Third Bank | D | 5,663 | 25.5% | 7.75% |
| U.S. Bank | D | 4,887 | 29.5% | 7.00% |
| Mortgage Research Center | C | 3,617 | 18.0% | 6.25% |
| PNC Bank | D | 3,585 | 23.7% | 7.40% |
| 21st Mortgage | F | 3,478 | 48.0% | 9.95% |
| Commonwealth | C | 3,270 | 24.9% | 7.25% |
| Stockton Mortgage | D | 3,255 | 6.1% | 6.63% |
Frequently asked questions
Kentucky: 37 applications in 2025, of which 10 were originated and 20 denied.
54.1% of all applications, or 66.7% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans Bethpage Federal Credit Union originated in Kentucky in 2025 was 7.25%, against a statewide median of 6.75%.
About this data. Figures are Bethpage Federal Credit Union's own HMDA filing for properties located in Kentucky, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology