Bethpage Federal Credit Union in Pennsylvania vs the state
45.5%Denial rate+27.20 pts vs state
53.5%Decision denial rate+31.26 pts vs state
39.2%Origination rate-21.72 pts vs state
6.49%Median rate-0.13 pts vs state
-0.29Rate spread (pts)-0.53 pts vs state
$124kMedian applicant income
113Loans originated
131Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 255 | 92 | 47.8% | 8.50% | #241 |
| 2024 | 286 | 107 | 43.7% | 6.99% | #219 |
| 2025 | 288 | 113 | 45.5% | 6.49% | #228 |
What Bethpage Federal Credit Union lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most Bethpage Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Philadelphia County | 37 | 10 | 23 | 62.2% |
| Montgomery County | 27 | 15 | 7 | 25.9% |
| Monroe County | 23 | 12 | 5 | 21.7% |
| Bucks County | 22 | 13 | 6 | 27.3% |
| Chester County | 20 | 9 | 7 | 35.0% |
| Allegheny County | 20 | 10 | 10 | 50.0% |
| Delaware County | 18 | 4 | 13 | 72.2% |
| Pike County | 12 | 5 | 1 | 8.3% |
| Lehigh County | 12 | 7 | 4 | 33.3% |
| Berks County | 10 | 5 | 3 | 30.0% |
Other large lenders in Pennsylvania
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 22,411 | 18.6% | 6.75% |
| Citizens Bank | C | 18,256 | 28.1% | 7.65% |
| PNC Bank | D | 18,031 | 20.6% | 6.88% |
| United Shore Financial Services | B | 13,178 | 13.4% | 6.47% |
| Crosscountry Mortgage | B | 11,615 | 3.3% | 6.63% |
| Members 1st | B | 10,863 | 30.9% | 1.99% |
| First National Bank of Pennsylvania | B | 9,542 | 27.8% | 6.49% |
| Police & Fire | C | 8,460 | 34.6% | 6.25% |
| PENNSYLVANIA STATE EMPLOYEES Credit Union | C | 8,308 | 13.7% | 6.64% |
| Pennymac Loan Services | C | 7,900 | 12.6% | 6.50% |
Frequently asked questions
Pennsylvania: 288 applications in 2025, of which 113 were originated and 131 denied.
45.5% of all applications, or 53.5% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans Bethpage Federal Credit Union originated in Pennsylvania 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 Pennsylvania, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology