Bethpage Federal Credit Union in Tennessee vs the state
42.2%Denial rate+25.10 pts vs state
47.9%Decision denial rate+26.21 pts vs state
44.7%Origination rate-13.36 pts vs state
6.56%Median rate-0.07 pts vs state
-0.45Rate spread (pts)-0.68 pts vs state
$136kMedian applicant income
72Loans originated
68Denied
Trend in Tennessee
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 145 | 55 | 46.9% | 8.75% | #238 |
| 2024 | 198 | 102 | 33.8% | 6.99% | #204 |
| 2025 | 161 | 72 | 42.2% | 6.56% | #245 |
What Bethpage Federal Credit Union lends in Tennessee
By loan purpose
By loan type
Why it denied Tennessee applicants
Where in Tennessee
Counties with the most Bethpage Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Williamson County | 31 | 20 | 8 | 25.8% |
| Davidson County | 29 | 11 | 15 | 51.7% |
| Hamilton County | 11 | 5 | 5 | 45.5% |
| Sumner County | 10 | 3 | 7 | 70.0% |
| Knox County | 8 | 4 | 3 | 37.5% |
| Rutherford County | 7 | 1 | 5 | 71.4% |
| Shelby County | 6 | 3 | 2 | 33.3% |
| Sullivan County | 5 | 2 | 2 | 40.0% |
| Wilson County | 4 | 2 | 2 | 50.0% |
| Maury County | 3 | 1 | 1 | 33.3% |
Other large lenders in Tennessee
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 16,503 | 17.3% | 6.50% |
| United Shore Financial Services | B | 12,458 | 10.9% | 6.12% |
| Regions Bank | C | 11,247 | 36.5% | 4.99% |
| Vanderbilt Mortgage and Finance | F | 9,649 | 35.8% | 8.75% |
| Mortgage Research Center | C | 6,568 | 17.3% | 6.25% |
| FirstBank | C | 5,677 | 14.5% | 6.88% |
| CMG Mortgage | A | 5,643 | 2.9% | 6.50% |
| Freedom Mortgage | B | 5,493 | 8.0% | 6.25% |
| Pennymac Loan Services | C | 5,331 | 11.2% | 6.00% |
| Mortgage Investors Group | B | 4,454 | 3.5% | 6.50% |
Frequently asked questions
Tennessee: 161 applications in 2025, of which 72 were originated and 68 denied.
42.2% of all applications, or 47.9% of the applications it actually decided on. The Tennessee statewide average across all lenders was 17.1%.
The median rate on loans Bethpage Federal Credit Union originated in Tennessee in 2025 was 6.56%, against a statewide median of 6.62%.
About this data. Figures are Bethpage Federal Credit Union's own HMDA filing for properties located in Tennessee, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology