Bethpage Federal Credit Union in Minnesota vs the state
46.7%Denial rate+33.07 pts vs state
55.3%Decision denial rate+38.91 pts vs state
37.8%Origination rate-28.59 pts vs state
7.25%Median rate+0.62 pts vs state
0.17Rate spread (pts)-0.09 pts vs state
$139kMedian applicant income
34Loans originated
42Denied
Trend in Minnesota
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 65 | 29 | 43.1% | 8.50% | #237 |
| 2024 | 96 | 52 | 30.2% | 6.99% | #194 |
| 2025 | 90 | 34 | 46.7% | 7.25% | #220 |
What Bethpage Federal Credit Union lends in Minnesota
By loan purpose
By loan type
Why it denied Minnesota applicants
Where in Minnesota
Counties with the most Bethpage Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hennepin County | 33 | 13 | 12 | 36.4% |
| Dakota County | 6 | 2 | 2 | 33.3% |
| Ramsey County | 5 | 2 | 3 | 60.0% |
| Anoka County | 5 | 2 | 2 | 40.0% |
| Scott County | 5 | 2 | 3 | 60.0% |
| Carver County | 5 | 3 | 1 | 20.0% |
| Wright County | 5 | 1 | 4 | 80.0% |
| Sherburne County | 4 | 0 | 4 | 100.0% |
| Washington County | 4 | 3 | 1 | 25.0% |
| Stearns County | 3 | 2 | 1 | 33.3% |
Other large lenders in Minnesota
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 8,694 | 10.6% | 6.38% |
| U.S. Bank | D | 8,624 | 30.4% | 7.88% |
| Bell Bank | A | 7,987 | 5.3% | 6.63% |
| Rocket Mortgage | C | 7,630 | 16.3% | 6.63% |
| Trustone Financial Credit Union | C | 6,066 | 20.0% | 7.25% |
| Affinity Plus | C | 5,438 | 14.6% | 6.63% |
| Blaze Credit Union | B | 4,074 | 12.3% | 6.38% |
| Wings Financial Credit Union | A | 3,960 | 16.4% | 7.25% |
| Crosscountry Mortgage | B | 3,942 | 2.1% | 6.63% |
| Fairway Independent Mortgage | B | 3,327 | 3.2% | 6.75% |
Frequently asked questions
Minnesota: 90 applications in 2025, of which 34 were originated and 42 denied.
46.7% of all applications, or 55.3% of the applications it actually decided on. The Minnesota statewide average across all lenders was 13.6%.
The median rate on loans Bethpage Federal Credit Union originated in Minnesota in 2025 was 7.25%, against a statewide median of 6.63%.
About this data. Figures are Bethpage Federal Credit Union's own HMDA filing for properties located in Minnesota, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology