Bethpage Federal Credit Union in New Jersey vs the state
40.2%Denial rate+22.50 pts vs state
46.6%Decision denial rate+23.57 pts vs state
45.5%Origination rate-10.21 pts vs state
6.49%Median rate-0.26 pts vs state
-0.37Rate spread (pts)-0.65 pts vs state
$174kMedian applicant income
336Loans originated
297Denied
Trend in New Jersey
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 690 | 293 | 43.0% | 8.25% | #73 |
| 2024 | 857 | 368 | 42.2% | 6.99% | #66 |
| 2025 | 739 | 336 | 40.2% | 6.49% | #88 |
What Bethpage Federal Credit Union lends in New Jersey
By loan purpose
By loan type
Why it denied New Jersey applicants
Where in New Jersey
Counties with the most Bethpage Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Bergen County | 133 | 56 | 57 | 42.9% |
| Essex County | 83 | 43 | 27 | 32.5% |
| Monmouth County | 82 | 45 | 28 | 34.1% |
| Hudson County | 57 | 17 | 29 | 50.9% |
| Morris County | 48 | 23 | 18 | 37.5% |
| Ocean County | 47 | 19 | 23 | 48.9% |
| Union County | 46 | 23 | 19 | 41.3% |
| Middlesex County | 45 | 19 | 19 | 42.2% |
| Somerset County | 29 | 15 | 10 | 34.5% |
| Burlington County | 29 | 16 | 9 | 31.0% |
Other large lenders in New Jersey
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 16,339 | 16.1% | 6.75% |
| TD Bank | D | 12,532 | 26.2% | 7.49% |
| Bank of America | F | 12,142 | 30.6% | 6.00% |
| Citizens Bank | C | 12,113 | 28.9% | 7.40% |
| Crosscountry Mortgage | B | 12,042 | 5.3% | 6.75% |
| PNC Bank | D | 10,815 | 27.8% | 7.75% |
| United Shore Financial Services | B | 10,552 | 15.3% | 6.38% |
| Guaranteed Rate | B | 8,643 | 5.5% | 6.58% |
| Newrez | D | 6,535 | 22.5% | 6.99% |
| Loandepot.Com | D | 6,491 | 15.3% | 6.63% |
Frequently asked questions
New Jersey: 739 applications in 2025, of which 336 were originated and 297 denied.
40.2% of all applications, or 46.6% of the applications it actually decided on. The New Jersey statewide average across all lenders was 17.7%.
The median rate on loans Bethpage Federal Credit Union originated in New Jersey 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 New Jersey, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology