Bethpage Federal Credit Union in Maryland vs the state
51.1%Denial rate+32.25 pts vs state
57.9%Decision denial rate+33.81 pts vs state
34.3%Origination rate-21.44 pts vs state
6.49%Median rate-0.13 pts vs state
-0.69Rate spread (pts)-0.94 pts vs state
$168kMedian applicant income
49Loans originated
73Denied
Trend in Maryland
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 134 | 48 | 48.5% | 8.75% | #178 |
| 2024 | 160 | 58 | 50.0% | 6.99% | #174 |
| 2025 | 143 | 49 | 51.1% | 6.49% | #200 |
What Bethpage Federal Credit Union lends in Maryland
By loan purpose
By loan type
Why it denied Maryland applicants
Where in Maryland
Counties with the most Bethpage Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Montgomery County | 41 | 19 | 14 | 34.1% |
| Prince George's County | 18 | 2 | 13 | 72.2% |
| Howard County | 13 | 5 | 7 | 53.8% |
| Baltimore County | 11 | 4 | 6 | 54.5% |
| Baltimore city | 10 | 3 | 4 | 40.0% |
| Anne Arundel County | 8 | 2 | 5 | 62.5% |
| Frederick County | 8 | 1 | 6 | 75.0% |
| Carroll County | 8 | 2 | 3 | 37.5% |
| Charles County | 6 | 2 | 4 | 66.7% |
| Queen Anne's County | 5 | 2 | 3 | 60.0% |
Other large lenders in Maryland
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 12,806 | 16.8% | 6.63% |
| Navy Federal Credit Union | D | 11,436 | 23.0% | 8.00% |
| United Shore Financial Services | B | 9,307 | 16.0% | 6.13% |
| Truist Bank | C | 6,559 | 34.9% | 6.49% |
| Bank of America | F | 6,051 | 35.8% | 6.24% |
| Newrez | D | 5,739 | 21.0% | 6.63% |
| State Employees Credit Union of Maryland | D | 5,624 | 44.6% | 6.25% |
| PNC Bank | D | 5,582 | 28.0% | 7.41% |
| Manufacturers and Traders Trust | C | 5,497 | 32.0% | 5.99% |
| Pennymac Loan Services | C | 5,411 | 12.4% | 6.49% |
Frequently asked questions
Maryland: 143 applications in 2025, of which 49 were originated and 73 denied.
51.1% of all applications, or 57.9% of the applications it actually decided on. The Maryland statewide average across all lenders was 18.8%.
The median rate on loans Bethpage Federal Credit Union originated in Maryland 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 Maryland, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology