Bethpage Federal Credit Union in Ohio vs the state
55.7%Denial rate+38.01 pts vs state
65.9%Decision denial rate+43.98 pts vs state
28.9%Origination rate-31.04 pts vs state
6.75%Median rate-0.13 pts vs state
-0.52Rate spread (pts)-0.91 pts vs state
$108kMedian applicant income
43Loans originated
83Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 179 | 57 | 52.5% | 9.00% | #238 |
| 2024 | 218 | 84 | 46.3% | 7.00% | #207 |
| 2025 | 149 | 43 | 55.7% | 6.75% | #273 |
What Bethpage Federal Credit Union lends in Ohio
By loan purpose
By loan type
Why it denied Ohio applicants
Where in Ohio
Counties with the most Bethpage Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cuyahoga County | 28 | 7 | 18 | 64.3% |
| Franklin County | 15 | 8 | 6 | 40.0% |
| Summit County | 12 | 7 | 5 | 41.7% |
| Hamilton County | 12 | 3 | 7 | 58.3% |
| Clermont County | 7 | 0 | 4 | 57.1% |
| Delaware County | 5 | 4 | 0 | 0.0% |
| Lucas County | 4 | 0 | 3 | 75.0% |
| Columbiana County | 4 | 1 | 1 | 25.0% |
| Geauga County | 4 | 0 | 3 | 75.0% |
| Lorain County | 4 | 0 | 3 | 75.0% |
Other large lenders in Ohio
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| The Huntington National Bank | D | 42,683 | 25.8% | 7.59% |
| Rocket Mortgage | C | 23,165 | 18.5% | 6.63% |
| Fifth Third Bank | D | 21,939 | 25.6% | 7.50% |
| Crosscountry Mortgage | B | 16,066 | 3.1% | 6.75% |
| United Shore Financial Services | B | 14,626 | 13.1% | 6.45% |
| Third Federal Savings and Loan Association of Cleveland | C | 12,622 | 23.0% | 6.74% |
| PNC Bank | D | 11,607 | 24.6% | 7.40% |
| Wright-Patt Credit Union | C | 8,791 | 28.1% | 7.50% |
| U.S. Bank | D | 8,623 | 38.0% | 7.60% |
| Citizens Bank | C | 7,775 | 24.3% | 7.65% |
Frequently asked questions
Ohio: 149 applications in 2025, of which 43 were originated and 83 denied.
55.7% of all applications, or 65.9% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.
The median rate on loans Bethpage Federal Credit Union originated in Ohio in 2025 was 6.75%, against a statewide median of 6.88%.
About this data. Figures are Bethpage Federal Credit Union's own HMDA filing for properties located in Ohio, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology