Bethpage Federal Credit Union in North Carolina vs the state
48.5%Denial rate+30.40 pts vs state
55.1%Decision denial rate+32.28 pts vs state
38.1%Origination rate-19.71 pts vs state
6.49%Median rate-0.01 pts vs state
-0.42Rate spread (pts)-0.51 pts vs state
$143kMedian applicant income
136Loans originated
173Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 409 | 154 | 44.7% | 8.75% | #131 |
| 2024 | 445 | 217 | 36.9% | 6.99% | #137 |
| 2025 | 357 | 136 | 48.5% | 6.49% | #171 |
What Bethpage Federal Credit Union lends in North Carolina
By loan purpose
By loan type
Why it denied North Carolina applicants
Where in North Carolina
Counties with the most Bethpage Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Mecklenburg County | 69 | 29 | 30 | 43.5% |
| Wake County | 59 | 23 | 28 | 47.5% |
| Union County | 30 | 17 | 11 | 36.7% |
| Durham County | 15 | 6 | 6 | 40.0% |
| Buncombe County | 15 | 7 | 4 | 26.7% |
| New Hanover County | 10 | 4 | 4 | 40.0% |
| Guilford County | 10 | 1 | 8 | 80.0% |
| Chatham County | 10 | 3 | 3 | 30.0% |
| Forsyth County | 9 | 2 | 6 | 66.7% |
| Cabarrus County | 7 | 3 | 3 | 42.9% |
Other large lenders in North Carolina
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| State Employees' | C | 47,893 | 25.2% | 6.25% |
| Rocket Mortgage | C | 25,109 | 16.0% | 6.63% |
| United Shore Financial Services | B | 18,884 | 11.4% | 6.13% |
| Vanderbilt Mortgage and Finance | F | 15,008 | 38.0% | 7.75% |
| Truist Bank | C | 14,364 | 30.3% | 6.50% |
| Movement Mortgage | A | 11,091 | 2.6% | 6.63% |
| Navy Federal Credit Union | D | 10,565 | 19.4% | 7.13% |
| First-Citizens Bank & Trust | B | 10,319 | 19.6% | 6.38% |
| Bank of America | F | 10,276 | 28.2% | 6.24% |
| Mortgage Research Center | C | 10,029 | 17.7% | 6.25% |
Frequently asked questions
North Carolina: 357 applications in 2025, of which 136 were originated and 173 denied.
48.5% of all applications, or 55.1% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans Bethpage Federal Credit Union originated in North Carolina in 2025 was 6.49%, against a statewide median of 6.50%.
About this data. Figures are Bethpage Federal Credit Union's own HMDA filing for properties located in North Carolina, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology