Bethpage Federal Credit Union in New Mexico vs the state
50.0%Denial rate+31.40 pts vs state
57.7%Decision denial rate+33.03 pts vs state
36.7%Origination rate-16.67 pts vs state
6.49%Median rate-0.13 pts vs state
-0.70Rate spread (pts)-1.08 pts vs state
$102kMedian applicant income
11Loans originated
15Denied
Trend in New Mexico
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 33 | 11 | 51.5% | 8.75% | #145 |
| 2024 | 38 | 19 | 44.7% | 6.99% | #156 |
| 2025 | 30 | 11 | 50.0% | 6.49% | #176 |
What Bethpage Federal Credit Union lends in New Mexico
By loan purpose
By loan type
Why it denied New Mexico applicants
Where in New Mexico
Counties with the most Bethpage Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Bernalillo County | 7 | 2 | 4 | 57.1% |
| Doña Ana County | 6 | 2 | 4 | 66.7% |
| Santa Fe County | 5 | 2 | 2 | 40.0% |
| Los Alamos County | 2 | 1 | 1 | 50.0% |
| San Juan County | 2 | 0 | 1 | 50.0% |
| Sandoval County | 1 | 1 | 0 | 0.0% |
| McKinley County | 1 | 1 | 0 | 0.0% |
| Eddy County | 1 | 0 | 1 | 100.0% |
| Lea County | 1 | 0 | 0 | 0.0% |
| Taos County | 1 | 1 | 0 | 0.0% |
Other large lenders in New Mexico
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 4,440 | 20.5% | 6.75% |
| 21st Mortgage | F | 3,992 | 45.5% | 9.60% |
| United Shore Financial Services | B | 3,251 | 12.8% | 6.13% |
| Guild Mortgage | A | 3,186 | 4.3% | 6.63% |
| Nusenda | D | 2,962 | 13.7% | 8.00% |
| Waterstone Mortgage | C | 2,740 | 3.2% | 6.88% |
| Vanderbilt Mortgage and Finance | F | 2,085 | 46.4% | 9.99% |
| Sunward Federal Credit Union | B | 1,765 | 9.1% | 6.50% |
| Mortgage Research Center | C | 1,683 | 15.9% | 6.25% |
| Primary Residential Mortgage | C | 1,497 | 4.9% | 6.63% |
Frequently asked questions
New Mexico: 30 applications in 2025, of which 11 were originated and 15 denied.
50.0% of all applications, or 57.7% of the applications it actually decided on. The New Mexico statewide average across all lenders was 18.6%.
The median rate on loans Bethpage Federal Credit Union originated in New Mexico 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 New Mexico, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology