Bethpage Federal Credit Union in Oklahoma vs the state
54.2%Denial rate+36.25 pts vs state
60.5%Decision denial rate+37.60 pts vs state
35.4%Origination rate-20.68 pts vs state
8.00%Median rate+1.38 pts vs state
0.71Rate spread (pts)+0.36 pts vs state
$120kMedian applicant income
17Loans originated
26Denied
Trend in Oklahoma
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 37 | 12 | 59.5% | 8.63% | #249 |
| 2024 | 55 | 22 | 45.5% | 6.99% | #231 |
| 2025 | 48 | 17 | 54.2% | 8.00% | #263 |
What Bethpage Federal Credit Union lends in Oklahoma
By loan purpose
By loan type
Why it denied Oklahoma applicants
Where in Oklahoma
Counties with the most Bethpage Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Tulsa County | 12 | 4 | 6 | 50.0% |
| Oklahoma County | 10 | 4 | 5 | 50.0% |
| Wagoner County | 4 | 2 | 2 | 50.0% |
| Canadian County | 4 | 1 | 2 | 50.0% |
| Cleveland County | 3 | 1 | 1 | 33.3% |
| Comanche County | 3 | 1 | 2 | 66.7% |
| Rogers County | 3 | 1 | 2 | 66.7% |
| Marshall County | 1 | 1 | 0 | 0.0% |
| Carter County | 1 | 0 | 1 | 100.0% |
| Delaware County | 1 | 0 | 1 | 100.0% |
Other large lenders in Oklahoma
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 6,990 | 24.0% | 6.75% |
| First United Bank and Trust | C | 5,630 | 5.9% | 6.88% |
| Arvest Bank | C | 5,387 | 17.6% | 7.00% |
| 21st Mortgage | F | 5,217 | 46.8% | 9.83% |
| BancFirst | C | 4,799 | 10.0% | 7.38% |
| BOKF | D | 4,227 | 20.2% | 6.63% |
| Mortgage Research Center | C | 4,012 | 18.8% | 6.25% |
| United Shore Financial Services | B | 3,735 | 13.8% | 6.13% |
| Associated Mortgage | A | 3,213 | 0.7% | 6.50% |
| Vanderbilt Mortgage and Finance | F | 2,610 | 38.3% | 9.75% |
Frequently asked questions
Oklahoma: 48 applications in 2025, of which 17 were originated and 26 denied.
54.2% of all applications, or 60.5% of the applications it actually decided on. The Oklahoma statewide average across all lenders was 17.9%.
The median rate on loans Bethpage Federal Credit Union originated in Oklahoma in 2025 was 8.00%, against a statewide median of 6.63%.
About this data. Figures are Bethpage Federal Credit Union's own HMDA filing for properties located in Oklahoma, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology