Bethpage Federal Credit Union in Virginia vs the state
48.1%Denial rate+32.12 pts vs state
54.6%Decision denial rate+34.37 pts vs state
38.5%Origination rate-21.00 pts vs state
6.49%Median rate-0.13 pts vs state
-0.50Rate spread (pts)-0.72 pts vs state
$163kMedian applicant income
109Loans originated
136Denied
Trend in Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 251 | 106 | 45.8% | 8.75% | #164 |
| 2024 | 346 | 150 | 41.3% | 6.99% | #139 |
| 2025 | 283 | 109 | 48.1% | 6.49% | #170 |
What Bethpage Federal Credit Union lends in Virginia
By loan purpose
By loan type
Why it denied Virginia applicants
Where in Virginia
Counties with the most Bethpage Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fairfax County | 57 | 24 | 27 | 47.4% |
| Loudoun County | 36 | 15 | 17 | 47.2% |
| Prince William County | 20 | 9 | 10 | 50.0% |
| Henrico County | 16 | 5 | 5 | 31.3% |
| Virginia Beach city | 14 | 6 | 5 | 35.7% |
| Chesterfield County | 13 | 3 | 7 | 53.8% |
| Arlington County | 12 | 9 | 3 | 25.0% |
| Stafford County | 11 | 3 | 7 | 63.6% |
| Richmond city | 8 | 2 | 5 | 62.5% |
| Albemarle County | 7 | 4 | 3 | 42.9% |
Other large lenders in Virginia
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Navy Federal Credit Union | D | 19,395 | 19.3% | 7.75% |
| Rocket Mortgage | C | 19,274 | 14.8% | 6.63% |
| United Shore Financial Services | B | 13,994 | 10.4% | 6.12% |
| Truist Bank | C | 11,838 | 31.6% | 6.49% |
| Mortgage Research Center | C | 9,000 | 16.7% | 6.25% |
| Pennymac Loan Services | C | 8,334 | 10.7% | 6.38% |
| Freedom Mortgage | B | 8,029 | 6.5% | 6.25% |
| Bank of America | F | 6,584 | 31.9% | 6.24% |
| Newrez | D | 6,390 | 16.4% | 6.38% |
| Movement Mortgage | A | 6,126 | 4.3% | 6.56% |
Frequently asked questions
Virginia: 283 applications in 2025, of which 109 were originated and 136 denied.
48.1% of all applications, or 54.6% of the applications it actually decided on. The Virginia statewide average across all lenders was 15.9%.
The median rate on loans Bethpage Federal Credit Union originated in Virginia 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 Virginia, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology