Bethpage Federal Credit Union in Utah vs the state
46.3%Denial rate+30.38 pts vs state
50.0%Decision denial rate+30.82 pts vs state
46.3%Origination rate-16.90 pts vs state
6.99%Median rate+0.37 pts vs state
-0.39Rate spread (pts)-0.63 pts vs state
$160kMedian applicant income
19Loans originated
19Denied
Trend in Utah
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 49 | 19 | 42.9% | 8.75% | #150 |
| 2024 | 58 | 24 | 48.3% | 6.99% | #156 |
| 2025 | 41 | 19 | 46.3% | 6.99% | #188 |
What Bethpage Federal Credit Union lends in Utah
By loan purpose
By loan type
Why it denied Utah applicants
Where in Utah
Counties with the most Bethpage Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Salt Lake County | 17 | 8 | 9 | 52.9% |
| Utah County | 11 | 3 | 7 | 63.6% |
| Washington County | 3 | 3 | 0 | 0.0% |
| Weber County | 2 | 1 | 0 | 0.0% |
| Summit County | 2 | 1 | 1 | 50.0% |
| Wasatch County | 2 | 2 | 0 | 0.0% |
| Davis County | 2 | 1 | 1 | 50.0% |
| Tooele County | 1 | 0 | 0 | 0.0% |
| Sanpete County | 1 | 0 | 1 | 100.0% |
Other large lenders in Utah
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| AMERICA FIRST Federal Credit Union | C | 16,303 | 18.3% | 6.99% |
| Mountain America Federal Credit Union | D | 15,401 | 36.5% | 7.24% |
| United Shore Financial Services | B | 11,325 | 8.5% | 6.25% |
| Rocket Mortgage | C | 6,276 | 14.6% | 6.63% |
| Guild Mortgage | A | 5,427 | 1.5% | 6.50% |
| Intercap Lending | A | 4,881 | 0.7% | 6.50% |
| Goldenwest | B | 4,794 | 17.6% | 7.50% |
| First Colony Mortgage | A | 3,499 | 2.1% | 6.38% |
| Kind Lending | C | 3,227 | 20.3% | 6.50% |
| Zions Bancorporation | B | 3,013 | 22.9% | 6.49% |
Frequently asked questions
Utah: 41 applications in 2025, of which 19 were originated and 19 denied.
46.3% of all applications, or 50.0% of the applications it actually decided on. The Utah statewide average across all lenders was 16.0%.
The median rate on loans Bethpage Federal Credit Union originated in Utah in 2025 was 6.99%, against a statewide median of 6.63%.
About this data. Figures are Bethpage Federal Credit Union's own HMDA filing for properties located in Utah, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology