Bethpage Federal Credit Union in Michigan vs the state
53.3%Denial rate+34.75 pts vs state
62.6%Decision denial rate+40.06 pts vs state
31.8%Origination rate-28.11 pts vs state
6.49%Median rate-0.26 pts vs state
-0.68Rate spread (pts)-1.08 pts vs state
$133kMedian applicant income
34Loans originated
57Denied
Trend in Michigan
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 111 | 36 | 44.1% | 8.75% | #256 |
| 2024 | 127 | 52 | 40.2% | 6.99% | #246 |
| 2025 | 107 | 34 | 53.3% | 6.49% | #265 |
What Bethpage Federal Credit Union lends in Michigan
By loan purpose
By loan type
Why it denied Michigan applicants
Where in Michigan
Counties with the most Bethpage Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Oakland County | 23 | 10 | 9 | 39.1% |
| Wayne County | 21 | 6 | 12 | 57.1% |
| Washtenaw County | 8 | 3 | 2 | 25.0% |
| Grand Traverse County | 6 | 3 | 2 | 33.3% |
| Allegan County | 5 | 0 | 4 | 80.0% |
| Macomb County | 4 | 2 | 2 | 50.0% |
| Berrien County | 3 | 0 | 3 | 100.0% |
| Livingston County | 3 | 2 | 0 | 0.0% |
| Kent County | 3 | 3 | 0 | 0.0% |
| Ottawa County | 2 | 2 | 0 | 0.0% |
Other large lenders in Michigan
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 30,644 | 16.3% | 6.75% |
| United Shore Financial Services | B | 29,330 | 11.7% | 6.60% |
| The Huntington National Bank | D | 20,047 | 30.0% | 7.49% |
| Lake Michigan Credit Union | A | 16,662 | 5.6% | 6.75% |
| Fifth Third Bank | D | 11,176 | 26.4% | 7.50% |
| 21st Mortgage | F | 7,424 | 53.4% | 11.04% |
| Citizens Bank | C | 6,592 | 29.0% | 7.65% |
| Triad Financial Services | D | 6,426 | 56.1% | 8.49% |
| Union Home Mortgage | B | 5,303 | 4.3% | 6.75% |
| PNC Bank | D | 5,161 | 26.3% | 7.36% |
Frequently asked questions
Michigan: 107 applications in 2025, of which 34 were originated and 57 denied.
53.3% of all applications, or 62.6% of the applications it actually decided on. The Michigan statewide average across all lenders was 18.5%.
The median rate on loans Bethpage Federal Credit Union originated in Michigan 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 Michigan, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology