Bethpage Federal Credit Union in Missouri vs the state
60.6%Denial rate+45.49 pts vs state
71.7%Decision denial rate+52.97 pts vs state
23.9%Origination rate-38.72 pts vs state
6.49%Median rate-0.13 pts vs state
-0.71Rate spread (pts)-1.06 pts vs state
$113kMedian applicant income
17Loans originated
43Denied
Trend in Missouri
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 66 | 17 | 60.6% | 9.00% | #288 |
| 2024 | 76 | 35 | 47.4% | 8.25% | #276 |
| 2025 | 71 | 17 | 60.6% | 6.49% | #308 |
What Bethpage Federal Credit Union lends in Missouri
By loan purpose
By loan type
Why it denied Missouri applicants
Where in Missouri
Counties with the most Bethpage Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jackson County | 15 | 3 | 9 | 60.0% |
| St. Louis County | 12 | 3 | 6 | 50.0% |
| St. Charles County | 9 | 4 | 5 | 55.6% |
| Clay County | 5 | 2 | 3 | 60.0% |
| Franklin County | 3 | 1 | 1 | 33.3% |
| Greene County | 2 | 0 | 1 | 50.0% |
| Platte County | 2 | 0 | 2 | 100.0% |
| Barry County | 2 | 0 | 2 | 100.0% |
| Cass County | 2 | 1 | 1 | 50.0% |
| Christian County | 2 | 1 | 1 | 50.0% |
Other large lenders in Missouri
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 10,460 | 18.4% | 6.63% |
| Flat Branch Mortgage | A | 8,999 | 0.9% | 6.63% |
| Guild Mortgage | A | 7,388 | 2.5% | 6.63% |
| U.S. Bank | D | 7,190 | 32.8% | 7.63% |
| The Central Trust Bank | C | 7,022 | 9.7% | 6.63% |
| United Shore Financial Services | B | 6,710 | 8.0% | 6.55% |
| Communityamerica Credit Union | B | 5,843 | 16.8% | 6.49% |
| Mortgage Research Center | C | 5,734 | 15.6% | 6.25% |
| Broker Solutions | D | 5,007 | 7.8% | 6.88% |
| Commerce Bank | D | 4,905 | 27.2% | 6.72% |
Frequently asked questions
Missouri: 71 applications in 2025, of which 17 were originated and 43 denied.
60.6% of all applications, or 71.7% of the applications it actually decided on. The Missouri statewide average across all lenders was 15.1%.
The median rate on loans Bethpage Federal Credit Union originated in Missouri 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 Missouri, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology