Bethpage Federal Credit Union in New York vs the state
47.2%Denial rate+27.46 pts vs state
52.5%Decision denial rate+28.46 pts vs state
42.0%Origination rate-17.63 pts vs state
6.49%Median rate-0.13 pts vs state
-0.39Rate spread (pts)-0.60 pts vs state
$159kMedian applicant income
4,085Loans originated
4,596Denied
Trend in New York
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 9,814 | 3,865 | 48.5% | 8.50% | #8 |
| 2024 | 11,510 | 4,828 | 46.4% | 6.99% | #4 |
| 2025 | 9,736 | 4,085 | 47.2% | 6.49% | #7 |
What Bethpage Federal Credit Union lends in New York
By loan purpose
By loan type
Why it denied New York applicants
Where in New York
Counties with the most Bethpage Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Suffolk County | 3,856 | 1,752 | 1,720 | 44.6% |
| Nassau County | 3,747 | 1,643 | 1,716 | 45.8% |
| Queens County | 709 | 204 | 424 | 59.8% |
| Kings County | 323 | 115 | 177 | 54.8% |
| Westchester County | 289 | 130 | 113 | 39.1% |
| New York County | 105 | 35 | 54 | 51.4% |
| Richmond County | 104 | 36 | 57 | 54.8% |
| Bronx County | 84 | 21 | 54 | 64.3% |
| Rockland County | 80 | 28 | 41 | 51.3% |
| Erie County | 70 | 16 | 42 | 60.0% |
Other large lenders in New York
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Citizens Bank | C | 20,315 | 32.7% | 7.97% |
| Rocket Mortgage | C | 19,924 | 22.0% | 6.88% |
| United Shore Financial Services | B | 14,777 | 11.2% | 6.50% |
| JPMorgan Chase Bank | B | 14,735 | 11.7% | 6.38% |
| Manufacturers and Traders Trust | C | 12,335 | 31.3% | 5.99% |
| Bank of America | F | 10,193 | 35.7% | 5.99% |
| TD Bank | D | 9,239 | 30.2% | 7.69% |
| Newrez | D | 8,654 | 24.2% | 6.75% |
| ESL Federal Credit Union | B | 7,817 | 17.6% | 4.50% |
| Crosscountry Mortgage | B | 7,792 | 5.5% | 6.75% |
Frequently asked questions
New York: 9,736 applications in 2025, of which 4,085 were originated and 4,596 denied.
47.2% of all applications, or 52.5% of the applications it actually decided on. The New York statewide average across all lenders was 19.8%.
The median rate on loans Bethpage Federal Credit Union originated in New York 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 York, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology