Bethpage Federal Credit Union in Massachusetts vs the state
35.5%Denial rate+19.29 pts vs state
40.5%Decision denial rate+20.59 pts vs state
49.7%Origination rate-12.90 pts vs state
6.49%Median rate-0.13 pts vs state
-0.41Rate spread (pts)-0.50 pts vs state
$188kMedian applicant income
84Loans originated
60Denied
Trend in Massachusetts
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 180 | 69 | 40.0% | 8.00% | #165 |
| 2024 | 222 | 114 | 32.0% | 6.99% | #139 |
| 2025 | 169 | 84 | 35.5% | 6.49% | #184 |
What Bethpage Federal Credit Union lends in Massachusetts
By loan purpose
By loan type
Why it denied Massachusetts applicants
Where in Massachusetts
Counties with the most Bethpage Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Middlesex County | 42 | 21 | 17 | 40.5% |
| Essex County | 28 | 16 | 9 | 32.1% |
| Norfolk County | 24 | 10 | 7 | 29.2% |
| Worcester County | 22 | 13 | 4 | 18.2% |
| Barnstable County | 12 | 6 | 5 | 41.7% |
| Suffolk County | 12 | 4 | 6 | 50.0% |
| Plymouth County | 12 | 7 | 5 | 41.7% |
| Hampden County | 6 | 2 | 2 | 33.3% |
| Bristol County | 5 | 2 | 2 | 40.0% |
| Franklin County | 2 | 2 | 0 | 0.0% |
Other large lenders in Massachusetts
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Citizens Bank | C | 17,476 | 29.0% | 7.40% |
| Rocket Mortgage | C | 8,698 | 15.9% | 6.75% |
| Bank of America | F | 7,784 | 30.1% | 5.99% |
| Guaranteed Rate | B | 7,313 | 4.5% | 6.50% |
| Eastern Bank | B | 6,216 | 31.8% | 6.99% |
| Rockland Trust | C | 5,990 | 28.6% | 6.99% |
| Leader Bank | A | 5,913 | 1.8% | 6.25% |
| United Shore Financial Services | B | 5,898 | 12.8% | 6.50% |
| Crosscountry Mortgage | B | 5,634 | 3.8% | 6.63% |
| TD Bank | D | 3,778 | 26.9% | 7.44% |
Frequently asked questions
Massachusetts: 169 applications in 2025, of which 84 were originated and 60 denied.
35.5% of all applications, or 40.5% of the applications it actually decided on. The Massachusetts statewide average across all lenders was 16.2%.
The median rate on loans Bethpage Federal Credit Union originated in Massachusetts 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 Massachusetts, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology