Bethpage Federal Credit Union in Maine vs the state
39.6%Denial rate+23.25 pts vs state
52.8%Decision denial rate+32.70 pts vs state
35.4%Origination rate-26.75 pts vs state
6.49%Median rate-0.38 pts vs state
-0.29Rate spread (pts)-0.62 pts vs state
$119kMedian applicant income
17Loans originated
19Denied
Trend in Maine
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 44 | 18 | 50.0% | 8.00% | #117 |
| 2024 | 46 | 26 | 26.1% | 6.93% | #121 |
| 2025 | 48 | 17 | 39.6% | 6.49% | #126 |
What Bethpage Federal Credit Union lends in Maine
By loan purpose
By loan type
Why it denied Maine applicants
Where in Maine
Counties with the most Bethpage Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| York County | 15 | 3 | 6 | 40.0% |
| Cumberland County | 13 | 7 | 2 | 15.4% |
| Kennebec County | 7 | 2 | 4 | 57.1% |
| Hancock County | 3 | 1 | 2 | 66.7% |
| Sagadahoc County | 2 | 1 | 1 | 50.0% |
| Penobscot County | 2 | 0 | 2 | 100.0% |
| Aroostook County | 2 | 2 | 0 | 0.0% |
| Lincoln County | 1 | 0 | 0 | 0.0% |
| Knox County | 1 | 1 | 0 | 0.0% |
| Washington County | 1 | 0 | 1 | 100.0% |
Other large lenders in Maine
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Bangor Savings Bank | B | 4,518 | 17.2% | 7.25% |
| United Shore Financial Services | B | 2,675 | 9.1% | 6.50% |
| Rocket Mortgage | C | 2,628 | 22.9% | 6.75% |
| The Camden National Bank | A | 2,559 | 13.2% | 6.99% |
| CMG Mortgage | A | 2,251 | 4.2% | 6.63% |
| Guild Mortgage | A | 1,838 | 5.3% | 6.63% |
| Kennebec Savings Bank | B | 1,493 | 9.6% | 7.00% |
| TD Bank | D | 1,244 | 20.2% | 7.35% |
| Mortgage Research Center | C | 1,104 | 17.6% | 6.25% |
| Evergreen Credit Union | D | 976 | 30.6% | 6.50% |
Frequently asked questions
Maine: 48 applications in 2025, of which 17 were originated and 19 denied.
39.6% of all applications, or 52.8% of the applications it actually decided on. The Maine statewide average across all lenders was 16.3%.
The median rate on loans Bethpage Federal Credit Union originated in Maine in 2025 was 6.49%, against a statewide median of 6.88%.
About this data. Figures are Bethpage Federal Credit Union's own HMDA filing for properties located in Maine, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology