Bethpage Federal Credit Union in Vermont vs the state
25.0%Denial rate+10.18 pts vs state
28.6%Decision denial rate+10.50 pts vs state
56.3%Origination rate-8.62 pts vs state
6.50%Median rate-0.21 pts vs state
0.05Rate spread (pts)-0.07 pts vs state
$148kMedian applicant income
9Loans originated
4Denied
Trend in Vermont
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 14 | 7 | 35.7% | 8.50% | #87 |
| 2024 | 16 | 6 | 43.8% | 6.81% | #84 |
| 2025 | 16 | 9 | 25.0% | 6.50% | #91 |
What Bethpage Federal Credit Union lends in Vermont
By loan purpose
By loan type
Why it denied Vermont applicants
Where in Vermont
Counties with the most Bethpage Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Windham County | 6 | 3 | 2 | 33.3% |
| Windsor County | 2 | 2 | 0 | 0.0% |
| Rutland County | 2 | 1 | 0 | 0.0% |
| Chittenden County | 2 | 0 | 1 | 50.0% |
| Orange County | 1 | 0 | 1 | 100.0% |
| Franklin County | 1 | 1 | 0 | 0.0% |
| Bennington County | 1 | 1 | 0 | 0.0% |
| Caledonia County | 1 | 1 | 0 | 0.0% |
Other large lenders in Vermont
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Eastrise Federal Credit Union | A | 3,529 | 5.1% | 6.50% |
| Rocket Mortgage | C | 1,165 | 22.0% | 6.75% |
| North Country | C | 1,135 | 9.5% | 7.25% |
| Vermont Federal Credit Union | A | 1,003 | 12.0% | 6.75% |
| Citizens Bank | C | 826 | 38.9% | 7.65% |
| Emm Loans | B | 761 | 1.5% | 6.63% |
| Mascoma Bank | B | 717 | 16.5% | 6.75% |
| Union Bank | B | 641 | 4.5% | 6.63% |
| Manufacturers and Traders Trust | C | 617 | 30.8% | 5.99% |
| Community Bank | D | 607 | 13.3% | 7.00% |
Frequently asked questions
Vermont: 16 applications in 2025, of which 9 were originated and 4 denied.
25.0% of all applications, or 28.6% of the applications it actually decided on. The Vermont statewide average across all lenders was 14.8%.
The median rate on loans Bethpage Federal Credit Union originated in Vermont in 2025 was 6.50%, against a statewide median of 6.71%.
About this data. Figures are Bethpage Federal Credit Union's own HMDA filing for properties located in Vermont, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology