Bethpage Federal Credit Union Mortgage Rates, Fees & Info

Bethpage, NY

LEI: 549300KTR1JGH3K6LU06

Tax ID: 11-1525965

4 stars - out of 5 stars, based on 104 reviews

2021 Data | 2020 Data | 2019 Data | 2018 Data


Overview

Bethpage Federal Credit Union is a mid-sized credit union specializing in Cash Out Refi and Refi loans. Bethpage Federal Credit Union has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) Their top markets include New York, San Francisco, Miami, Los Angeles, and Bridgeport among others. Bethpage Federal Credit Union has a below average approval rate for mortages when compared nationally. They have a below average pick rate when compared to the same sample of other lendors. Bethpage Federal Credit Union is typically a high fee lendor.


Originations

10,797

Origination Dollar Volume (All Markets)

$3,044,035,000
Show all (9) awards

Relative Rate

Bethpage Federal Credit Union's average 30 year fixed rate mortgage of loans were 2.94%.

The 2021 average 30 year fixed rate mortgage across all markets of loans were 3.15%.

This yields a difference of -0.21%.

Relative Fees

Bethpage Federal Credit Union's average total fees for a 30 year fixed rate mortgage are $6,345.

The average total origination fees for 30 year fixed rate mortgages (for all loan values, including both points & up-front fees in addition to origination fees) are $4,750.

Top Markets

Market Originations Total Value Average Loan Average Fees Average Rate
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 8,661 $2,507,775,000 $289,548 $5,994 3.24%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 65 $44,905,000 $690,846 $4,359 2.92%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 154 $37,860,000 $245,844 $5,361 3.44%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 93 $36,125,000 $388,441 $4,561 3.37%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 59 $33,165,000 $562,119 $6,689 3.03%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 89 $28,225,000 $317,135 $5,519 3.59%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 22 $18,960,000 $861,818 $4,653 2.91%
SYRACUSE, NY (FHA|USDA|VA) 2 $16,520,000 $8,260,000 $3,021 2.88%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 1 $16,505,000 $16,505,000 $0 3.88%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 61 $16,255,000 $266,475 $6,364 3.33%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 111 $15,225,000 $137,162 $4,553 3.51%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 60 $14,110,000 $235,167 $4,870 3.83%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 75 $13,665,000 $182,200 $5,194 3.51%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 97 $12,065,000 $124,381 $3,588 3.75%
POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) 45 $11,405,000 $253,444 $5,338 3.48%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 61 $9,825,000 $161,066 $4,211 3.45%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 34 $8,520,000 $250,588 $11,214 3.67%
LOUISVILLE/JEFFERSON COUNTY, KY-IN (FHA|USDA|VA) 1 $8,325,000 $8,325,000 $0 3.75%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 50 $8,180,000 $163,600 $6,274 3.63%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 40 $7,960,000 $199,000 $6,939 3.69%
Outside of Metro Areas 52 $7,760,000 $149,231 $5,081 3.11%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 30 $7,400,000 $246,667 $5,247 3.31%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 21 $7,155,000 $340,714 $6,904 3.17%
TOLEDO, OH (FHA|USDA|VA) 4 $5,990,000 $1,497,500 $3,938 3.91%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 15 $5,585,000 $372,333 $4,684 3.47%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 9 $4,785,000 $531,667 $4,997 2.85%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 31 $4,665,000 $150,484 $5,008 3.31%
ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) 23 $4,595,000 $199,783 $5,034 3.19%
RALEIGH-CARY, NC (FHA|USDA|VA) 26 $4,420,000 $170,000 $4,605 3.50%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 24 $4,270,000 $177,917 $6,144 3.18%
PORT ST. LUCIE, FL (FHA|USDA|VA) 24 $4,240,000 $176,667 $4,524 3.35%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 11 $3,945,000 $358,636 $5,155 2.81%
SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 7 $3,845,000 $549,286 $4,465 3.18%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 18 $3,810,000 $211,667 $5,633 3.41%
JACKSONVILLE, FL (FHA|USDA|VA) 28 $3,760,000 $134,286 $4,445 3.55%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 19 $3,425,000 $180,263 $2,291 3.57%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 17 $3,005,000 $176,765 $4,816 3.09%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 16 $2,830,000 $176,875 $5,376 3.78%
TRENTON-PRINCETON, NJ (FHA|USDA|VA) 11 $2,815,000 $255,909 $4,880 3.41%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 16 $2,800,000 $175,000 $4,225 3.30%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 22 $2,740,000 $124,545 $4,373 3.73%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 8 $2,670,000 $333,750 $6,652 3.16%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 18 $2,580,000 $143,333 $5,043 3.26%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 22 $2,190,000 $99,545 $0 3.84%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 10 $2,140,000 $214,000 $5,150 3.20%
NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) 14 $2,040,000 $145,714 $5,539 3.66%
NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 11 $1,925,000 $175,000 $4,926 3.45%
WILMINGTON, NC (FHA|USDA|VA) 10 $1,830,000 $183,000 $5,813 2.78%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 12 $1,670,000 $139,167 $0 3.65%
EAST STROUDSBURG, PA (FHA|USDA|VA) 10 $1,660,000 $166,000 $6,352 3.04%
BARNSTABLE TOWN, MA (FHA|USDA|VA) 6 $1,550,000 $258,333 $3,868 3.54%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 10 $1,550,000 $155,000 $3,673 3.38%
MANCHESTER-NASHUA, NH (FHA|USDA|VA) 6 $1,530,000 $255,000 $4,238 3.19%
ASHEVILLE, NC (FHA|USDA|VA) 9 $1,425,000 $158,333 $5,344 3.72%
COLUMBIA, SC (FHA|USDA|VA) 7 $1,385,000 $197,857 $4,480 3.16%
COLUMBUS, OH (FHA|USDA|VA) 12 $1,300,000 $108,333 $7,240 3.33%
BEND, OR (FHA|USDA|VA) 2 $1,260,000 $630,000 $0 3.50%
STOCKTON, CA (FHA|USDA|VA) 3 $1,205,000 $401,667 $3,291 3.33%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 10 $1,190,000 $119,000 $4,371 3.38%
BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) 12 $1,150,000 $95,833 $5,116 3.51%
TUCSON, AZ (FHA|USDA|VA) 7 $1,135,000 $162,143 $0 3.57%
SAVANNAH, GA (FHA|USDA|VA) 9 $1,125,000 $125,000 $4,775 3.10%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 7 $1,095,000 $156,429 $4,705 3.25%
GLENS FALLS, NY (FHA|USDA|VA) 4 $1,060,000 $265,000 $5,480 2.59%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 10 $1,050,000 $105,000 $0 4.05%
OCALA, FL (FHA|USDA|VA) 7 $1,015,000 $145,000 $5,485 3.16%
Hudson, NY (FHA|USDA|VA) 3 $985,000 $328,333 $4,934 2.83%
PITTSBURGH, PA (FHA|USDA|VA) 5 $965,000 $193,000 $4,623 2.55%
DOVER, DE (FHA|USDA|VA) 5 $955,000 $191,000 $4,367 3.78%
RICHMOND, VA (FHA|USDA|VA) 7 $955,000 $136,429 $3,264 3.59%
KINGSTON, NY (FHA|USDA|VA) 5 $885,000 $177,000 $5,961 3.60%
THE VILLAGES, FL (FHA|USDA|VA) 6 $880,000 $146,667 $5,304 3.38%
SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 7 $875,000 $125,000 $4,995 3.23%
KANSAS CITY, MO-KS (FHA|USDA|VA) 7 $855,000 $122,143 $3,407 3.61%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 8 $810,000 $101,250 $9,981 3.84%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 4 $760,000 $190,000 $4,960 3.38%
PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 3 $745,000 $248,333 $3,227 2.42%
SALISBURY, MD-DE (FHA|USDA|VA) 5 $735,000 $147,000 $3,697 3.15%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 5 $725,000 $145,000 $4,801 3.40%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 4 $680,000 $170,000 $8,378 3.78%
JACKSONVILLE, NC (FHA|USDA|VA) 3 $665,000 $221,667 $5,560 3.04%
PUNTA GORDA, FL (FHA|USDA|VA) 5 $655,000 $131,000 $7,867 3.55%
BINGHAMTON, NY (FHA|USDA|VA) 4 $650,000 $162,500 $4,655 2.94%
HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 6 $650,000 $108,333 $3,878 3.60%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 7 $645,000 $92,143 $3,483 3.25%
SPRINGFIELD, MA (FHA|USDA|VA) 4 $640,000 $160,000 $5,123 3.59%
ROCHESTER, NY (FHA|USDA|VA) 7 $625,000 $89,286 $6,001 3.68%
FLAGSTAFF, AZ (FHA|USDA|VA) 2 $610,000 $305,000 $0 3.38%
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 2 $600,000 $300,000 $0 3.88%
RENO, NV (FHA|USDA|VA) 7 $585,000 $83,571 $0 3.71%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 5 $575,000 $115,000 $5,223 3.65%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 4 $570,000 $142,500 $8,992 3.38%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 7 $565,000 $80,714 $5,881 3.45%
Lebanon, NH-VT (FHA|USDA|VA) 2 $550,000 $275,000 $6,343 3.19%
BOISE CITY, ID (FHA|USDA|VA) 4 $540,000 $135,000 $0 3.88%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 3 $515,000 $171,667 $3,648 3.33%
SANTA FE, NM (FHA|USDA|VA) 1 $505,000 $505,000 $0 3.25%
GAINESVILLE, FL (FHA|USDA|VA) 5 $505,000 $101,000 $5,982 3.28%
YORK-HANOVER, PA (FHA|USDA|VA) 3 $485,000 $161,667 $6,541 3.58%
CHARLOTTESVILLE, VA (FHA|USDA|VA) 2 $480,000 $240,000 $0 3.63%
LANCASTER, PA (FHA|USDA|VA) 1 $465,000 $465,000 $7,590 3.00%
Outside of Metro Areas 6 $450,000 $75,000 $0 4.58%
FAYETTEVILLE, NC (FHA|USDA|VA) 4 $440,000 $110,000 $3,912 3.19%
Oneonta, NY (FHA|USDA|VA) 2 $440,000 $220,000 $4,596 3.56%
SALINAS, CA (FHA|USDA|VA) 3 $435,000 $145,000 $0 3.92%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 3 $425,000 $141,667 $0 3.58%
Bennington, VT (FHA|USDA|VA) 1 $425,000 $425,000 $6,665 3.00%
SALT LAKE CITY, UT (FHA|USDA|VA) 4 $420,000 $105,000 $0 3.50%
Ellensburg, WA (FHA|USDA|VA) 1 $405,000 $405,000 $0 3.75%
BELLINGHAM, WA (FHA|USDA|VA) 3 $395,000 $131,667 $0 3.67%
COLORADO SPRINGS, CO (FHA|USDA|VA) 1 $385,000 $385,000 $3,713 2.38%
ANN ARBOR, MI (FHA|USDA|VA) 1 $385,000 $385,000 $4,751 2.63%
FRESNO, CA (FHA|USDA|VA) 1 $385,000 $385,000 $0 4.25%
PROVO-OREM, UT (FHA|USDA|VA) 4 $380,000 $95,000 $0 3.94%
UTICA-ROME, NY (FHA|USDA|VA) 2 $370,000 $185,000 $4,674 2.88%
Gloversville, NY (FHA|USDA|VA) 2 $360,000 $180,000 $6,228 2.81%
OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 1 $355,000 $355,000 $6,958 2.88%
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 3 $345,000 $115,000 $7,822 3.38%
Lewisburg, PA (FHA|USDA|VA) 1 $345,000 $345,000 $4,953 2.25%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 5 $335,000 $67,000 $0 4.05%
Rutland, VT (FHA|USDA|VA) 1 $335,000 $335,000 $8,531 2.88%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 4 $330,000 $82,500 $0 3.56%
OKLAHOMA CITY, OK (FHA|USDA|VA) 2 $330,000 $165,000 $0 3.38%
Tullahoma-Manchester, TN (FHA|USDA|VA) 1 $325,000 $325,000 $0 4.25%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 2 $320,000 $160,000 $0 3.38%
St. Marys, GA (FHA|USDA|VA) 2 $310,000 $155,000 $3,821 3.63%
WICHITA, KS (FHA|USDA|VA) 1 $305,000 $305,000 $0 3.75%
ST. LOUIS, MO-IL (FHA|USDA|VA) 3 $305,000 $101,667 $0 3.33%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 1 $305,000 $305,000 $0 4.50%
LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 2 $300,000 $150,000 $3,803 2.63%
Tahlequah, OK (FHA|USDA|VA) 1 $295,000 $295,000 $4,263 3.88%
MODESTO, CA (FHA|USDA|VA) 2 $290,000 $145,000 $0 3.63%
Auburn, NY (FHA|USDA|VA) 2 $280,000 $140,000 $5,171 2.63%
Seneca, SC (FHA|USDA|VA) 2 $280,000 $140,000 $0 3.50%
GREENVILLE, NC (FHA|USDA|VA) 1 $275,000 $275,000 $5,469 2.75%
HUNTSVILLE, AL (FHA|USDA|VA) 2 $270,000 $135,000 $3,403 3.13%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 1 $255,000 $255,000 $0 3.50%
PITTSFIELD, MA (FHA|USDA|VA) 1 $255,000 $255,000 $9,793 3.50%
Torrington, CT (FHA|USDA|VA) 3 $255,000 $85,000 $2,876 3.58%
DAYTON-KETTERING, OH (FHA|USDA|VA) 3 $255,000 $85,000 $7,148 4.21%
CARBONDALE-MARION, IL (FHA|USDA|VA) 2 $250,000 $125,000 $2,413 3.31%
SPARTANBURG, SC (FHA|USDA|VA) 1 $245,000 $245,000 $3,530 3.50%
Sevierville, TN (FHA|USDA|VA) 1 $215,000 $215,000 $9,376 2.75%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 2 $210,000 $105,000 $3,444 4.38%
Camden, AR (FHA|USDA|VA) 1 $205,000 $205,000 $0 3.50%
Barre, VT (FHA|USDA|VA) 1 $205,000 $205,000 $4,734 3.75%
BOULDER, CO (FHA|USDA|VA) 1 $205,000 $205,000 $0 3.25%
SEBRING-AVON PARK, FL (FHA|USDA|VA) 2 $200,000 $100,000 $3,213 3.00%
WORCESTER, MA-CT (FHA|USDA|VA) 2 $200,000 $100,000 $0 4.75%
KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 2 $190,000 $95,000 $0 4.00%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 2 $180,000 $90,000 $0 3.88%
PANAMA CITY, FL (FHA|USDA|VA) 2 $180,000 $90,000 $0 4.13%
Roanoke Rapids, NC (FHA|USDA|VA) 1 $175,000 $175,000 $2,526 2.50%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 2 $160,000 $80,000 $0 3.25%
SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 1 $155,000 $155,000 $0 3.50%
DALTON, GA (FHA|USDA|VA) 2 $150,000 $75,000 $4,696 3.06%
Palatka, FL (FHA|USDA|VA) 2 $150,000 $75,000 $0 3.50%
Morehead City, NC (FHA|USDA|VA) 1 $145,000 $145,000 $3,461 2.88%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 3 $135,000 $45,000 $0 4.83%
Whitewater, WI (FHA|USDA|VA) 1 $135,000 $135,000 $3,619 2.75%
GAINESVILLE, GA (FHA|USDA|VA) 3 $135,000 $45,000 $0 4.33%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 2 $130,000 $65,000 $0 3.50%
LOGAN, UT-ID (FHA|USDA|VA) 1 $125,000 $125,000 $0 3.25%
Brevard, NC (FHA|USDA|VA) 1 $125,000 $125,000 $0 3.25%
EVANSVILLE, IN-KY (FHA|USDA|VA) 1 $125,000 $125,000 $0 3.50%
AUBURN-OPELIKA, AL (FHA|USDA|VA) 1 $125,000 $125,000 $3,375 3.63%
TALLAHASSEE, FL (FHA|USDA|VA) 2 $120,000 $60,000 $0 3.38%
BURLINGTON, NC (FHA|USDA|VA) 1 $115,000 $115,000 $3,351 2.25%
Los Alamos, NM (FHA|USDA|VA) 1 $115,000 $115,000 $0 3.25%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 2 $110,000 $55,000 $0 4.00%
VALDOSTA, GA (FHA|USDA|VA) 2 $110,000 $55,000 $0 3.63%
KNOXVILLE, TN (FHA|USDA|VA) 1 $105,000 $105,000 $0 3.25%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 1 $105,000 $105,000 $0 3.50%
NILES, MI (FHA|USDA|VA) 1 $105,000 $105,000 $0 3.75%
COLUMBUS, GA-AL (FHA|USDA|VA) 1 $105,000 $105,000 $0 3.75%
Carlsbad-Artesia, NM (FHA|USDA|VA) 1 $105,000 $105,000 $7,566 3.00%
Pinehurst-Southern Pines, NC (FHA|USDA|VA) 1 $105,000 $105,000 $0 3.25%
SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 2 $100,000 $50,000 $0 5.38%
Kill Devil Hills, NC (FHA|USDA|VA) 1 $95,000 $95,000 $0 3.75%
GOLDSBORO, NC (FHA|USDA|VA) 1 $95,000 $95,000 $2,866 2.25%
CLEVELAND, TN (FHA|USDA|VA) 1 $95,000 $95,000 $0 5.00%
Sebastian-Vero Beach, FL (FHA|USDA|VA) 2 $90,000 $45,000 $0 3.38%
AKRON, OH (FHA|USDA|VA) 1 $85,000 $85,000 $4,570 3.88%
Greenwood, SC (FHA|USDA|VA) 1 $85,000 $85,000 $3,795 2.38%
Wauchula, FL (FHA|USDA|VA) 1 $85,000 $85,000 $3,848 2.25%
ALBANY, GA (FHA|USDA|VA) 2 $80,000 $40,000 $3,288 4.13%
CHICO, CA (FHA|USDA|VA) 1 $75,000 $75,000 $0 3.75%
Searcy, AR (FHA|USDA|VA) 1 $75,000 $75,000 $0 3.50%
BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) 1 $75,000 $75,000 $0 3.50%
HAMMOND, LA (FHA|USDA|VA) 1 $75,000 $75,000 $0 3.50%
Thomasville, GA (FHA|USDA|VA) 1 $75,000 $75,000 $0 3.25%
MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) 1 $75,000 $75,000 $0 3.25%
MORGANTOWN, WV (FHA|USDA|VA) 1 $75,000 $75,000 $0 3.50%
SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 1 $65,000 $65,000 $0 3.75%
Calhoun, GA (FHA|USDA|VA) 1 $65,000 $65,000 $2,758 3.13%
GULFPORT-BILOXI, MS (FHA|USDA|VA) 1 $65,000 $65,000 $0 3.25%
Marion, NC (FHA|USDA|VA) 1 $65,000 $65,000 $4,788 3.13%
Malone, NY (FHA|USDA|VA) 1 $65,000 $65,000 $3,617 2.88%
Cornelia, GA (FHA|USDA|VA) 1 $55,000 $55,000 $0 3.25%
Paragould, AR (FHA|USDA|VA) 1 $55,000 $55,000 $0 5.00%
Augusta-Waterville, ME (FHA|USDA|VA) 1 $55,000 $55,000 $0 5.50%
NEW BERN, NC (FHA|USDA|VA) 1 $55,000 $55,000 $0 3.25%
Jefferson, GA (FHA|USDA|VA) 1 $55,000 $55,000 $0 4.25%
JACKSON, MS (FHA|USDA|VA) 1 $55,000 $55,000 $0 3.50%
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 1 $55,000 $55,000 $0 3.25%
FORT COLLINS, CO (FHA|USDA|VA) 1 $55,000 $55,000 $0 5.25%
EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 1 $55,000 $55,000 $0 3.50%
Truckee-Grass Valley, CA (FHA|USDA|VA) 1 $55,000 $55,000 $0 3.75%
Vicksburg, MS (FHA|USDA|VA) 1 $45,000 $45,000 $5,006 2.88%
Cortland, NY (FHA|USDA|VA) 1 $45,000 $45,000 $0 4.25%
Ludington, MI (FHA|USDA|VA) 1 $45,000 $45,000 $0 4.25%
ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 1 $45,000 $45,000 $0 4.25%
Shelton, WA (FHA|USDA|VA) 1 $45,000 $45,000 $0 3.25%
Orangeburg, SC (FHA|USDA|VA) 1 $45,000 $45,000 $0 3.75%
TULSA, OK (FHA|USDA|VA) 2 $40,000 $20,000 $0 4.13%
Albertville, AL (FHA|USDA|VA) 1 $35,000 $35,000 $0 3.50%
OSHKOSH-NEENAH, WI (FHA|USDA|VA) 1 $35,000 $35,000 $0 4.25%
READING, PA (FHA|USDA|VA) 1 $35,000 $35,000 $0 3.75%
Fallon, NV (FHA|USDA|VA) 1 $35,000 $35,000 $0 4.50%
Sanford, NC (FHA|USDA|VA) 1 $35,000 $35,000 $0 5.25%
IDAHO FALLS, ID (FHA|USDA|VA) 1 $35,000 $35,000 $0 3.75%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 1 $35,000 $35,000 $0 5.25%
LYNCHBURG, VA (FHA|USDA|VA) 1 $35,000 $35,000 $0 3.25%
VALLEJO, CA (FHA|USDA|VA) 1 $35,000 $35,000 $0 3.50%
ALBANY-LEBANON, OR (FHA|USDA|VA) 1 $35,000 $35,000 $0 3.25%
Bozeman, MT (FHA|USDA|VA) 1 $25,000 $25,000 $0 3.50%
Danville, VA (FHA|USDA|VA) 1 $25,000 $25,000 $3,731 3.38%
Tupelo, MS (FHA|USDA|VA) 1 $25,000 $25,000 $0 3.75%
BILLINGS, MT (FHA|USDA|VA) 1 $15,000 $15,000 $0 5.50%
ST. GEORGE, UT (FHA|USDA|VA) 1 $15,000 $15,000 $0 3.50%
VINELAND-BRIDGETON, NJ (FHA|USDA|VA) 1 $15,000 $15,000 $0 3.75%

Bethpage Federal Credit Union's top markets include New York, San Francisco, Miami, Los Angeles, and Bridgeport among others.

Product Mix

Loan Type Originations Total Value Average Loan Average Fees Average Rate
Conventional 10,707 $3,009,905,000 $281,116 $5,913 3.28%
FHA 85 $32,295,000 $379,941 $3,843 3.13%
VA 5 $1,835,000 $367,000 $13,470 2.93%

For the 2021 period, Bethpage Federal Credit Union's most frequently originated loan type of loans were Conventional, with 10,707 originations. Their 2nd most popular type is FHA, with 85 originations.

Loan Reason

Loan Reason Originations Total Value Average Loan Average Fees Average Rate
Cash Out Refi 3,288 $1,050,230,000 $319,413 $6,534 3.08%
Home Improvement 3,100 $408,410,000 $131,745 $7,743 3.77%
Refi 2,012 $878,130,000 $436,446 $5,095 2.73%
Home Purchase 1,337 $554,295,000 $414,581 $5,959 2.98%
Other 1,060 $152,970,000 $144,311 $4,224 3.87%

For the 2021, Bethpage Federal Credit Union's most frequently cited loan purpose of loans were Cash Out Refi, with 3,288 originations. The 2nd most popular reason of loans were Home Improvement, with 3,100 originations.

Loan Duration/Length

Loan Length Originations Total Value Average Loan Average Fees Average Rate
20 Year 6,019 $1,033,455,000 $171,699 $5,943 3.65%
30 Year 3,463 $1,488,485,000 $429,825 $6,345 2.94%
15 Year 976 $280,940,000 $287,848 $4,897 2.49%
10 Year 339 $241,155,000 $711,372 $3,856 2.31%

For the 2021, Bethpage Federal Credit Union's most frequently cited loan length of loans were 20 Year, with 6,019 originations. The 2nd most popular length of loans were 30 Year, with 3,463 originations.

Origination Fees

Origination Fee Originations Total Value Average Loan
$<1k 2,091 $918,855,000 $439,433
$1k-2k 900 $242,650,000 $269,611
$2k-3k 820 $275,570,000 $336,061
$5k+ 790 $337,850,000 $427,658
$3k-4k 784 $275,650,000 $351,594

$6,345 of loans were Bethpage Federal Credit Union's average total fees, while their most frequently occuring range of origination fees were in the $<1k bucket, with 2,091 originations.

Interest Rates

Loan Rate Originations Total Value Average Loan
3-4% 5,572 $1,306,810,000 $234,532
2.5-3% 2,775 $1,014,415,000 $365,555
<2.5% 1,422 $600,030,000 $421,962
4-5% 733 $90,835,000 $123,922
5-6% 282 $30,540,000 $108,298
6-7% 12 $1,330,000 $110,833
7-8% 1 $75,000 $75,000

During 2021, Bethpage Federal Credit Union's average interest rate of loans were 2.94%, while their most frequently originated rate bucket of loans were 3-4%, with 5,572 originations.

Loan Sizing

Loan Size Originations Total Value Average Loan Average Fees Average Rate
$200k-400k 3,576 $1,046,690,000 $292,699 $5,507 3.02%
$100k-200k 2,438 $339,160,000 $139,114 $4,092 3.42%
$100,000 or less 2,435 $144,815,000 $59,472 $3,728 3.80%
$400k-600k 1,859 $877,805,000 $472,192 $7,442 3.05%
$600k-1MM 311 $230,905,000 $742,460 $6,663 2.73%
$1MM+ 178 $404,660,000 $2,273,371 $7,227 2.64%

2021 saw Bethpage Federal Credit Union place emphasis on $200k-400k loans with 3,576 originations, totaling $1,046,690,000 in origination value.

Applicant Income

Applicant Income Originations Total Value Average Loan Average Fees Average Rate
$150k-250k 3,334 $932,310,000 $279,637 $6,288 3.29%
$100k-150k 3,043 $714,775,000 $234,892 $5,823 3.29%
$250k+ 1,749 $757,935,000 $433,353 $6,491 3.24%
$75k-100k 1,467 $303,255,000 $206,718 $5,427 3.26%
$50k-75k 882 $142,270,000 $161,304 $4,704 3.26%
$50k or less 300 $30,170,000 $100,567 $4,058 3.35%

Bethpage Federal Credit Union lent most frequently to those with incomes in the $150k-250k range, with 3,334 originations. The second most popular income band? $100k-150k, with 3,043 originations.

Applicant Debt to Income Ratio

DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
20-30% 2,665 $674,495,000 $253,094 $5,632 3.21%
30-36% 1,970 $534,080,000 $271,107 $5,853 3.26%
<20% 1,036 $276,040,000 $266,448 $5,307 3.19%
50-60% 817 $166,575,000 $203,886 $5,531 3.69%
42% 353 $104,995,000 $297,436 $6,357 3.27%
40% 337 $100,055,000 $296,899 $6,333 3.20%
37% 334 $95,060,000 $284,611 $6,137 3.23%
36% 328 $97,470,000 $297,165 $6,223 3.24%
44% 327 $88,325,000 $270,107 $6,244 3.31%
38% 327 $90,145,000 $275,673 $5,898 3.28%
41% 317 $91,135,000 $287,492 $6,266 3.29%
43% 301 $87,025,000 $289,120 $6,221 3.21%
39% 300 $85,200,000 $284,000 $5,613 3.24%
49% 298 $88,770,000 $297,886 $6,152 3.23%
48% 268 $79,390,000 $296,231 $5,919 3.30%
46% 262 $80,780,000 $308,321 $6,783 3.30%
47% 252 $67,690,000 $268,611 $6,022 3.33%
45% 248 $64,970,000 $261,976 $5,835 3.28%
>60% 37 $8,945,000 $241,757 $6,955 3.52%

Bethpage Federal Credit Union lent most frequently to those with DTI ratios of 20-30%, with 2,665 originations. The next most common DTI ratio? 30-36%, with 1,970 originations.

Ethnicity Mix

Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
White 6,125 $1,484,645,000 $242,391 $5,691 3.38%
Not provided 3,496 $1,064,180,000 $304,399 $6,097 3.06%
Asian 775 $258,065,000 $332,987 $5,665 3.29%
Not applicable 20 $162,890,000 $8,144,500 $0 3.75%
Black 342 $63,440,000 $185,497 $5,881 3.56%
American Indian 22 $4,080,000 $185,455 $3,639 3.69%
Native Hawaiian 11 $3,695,000 $335,909 $11,587 3.43%
Asian Indian 3 $2,395,000 $798,333 $4,408 2.13%
Chinese 2 $430,000 $215,000 $3,168 2.50%
Japanese 1 $215,000 $215,000 $8,234 3.50%

Approval Rates

Total approvals of all applications
66.78%

Bethpage Federal Credit Union has a low approval rate. They may have poor market targeting or stringent lending standards.

Pick Rate

Approvals leading to origination
74.17%

Bethpage Federal Credit Union has a below average pick rate.

Points and Fees

Points Originations Total Value Average Loan
NA 10,797 $3,044,035,000 $281,933

Occupancy Type Mix

Dwelling Type Originations Total Value Average Loan
10,797 $3,044,035,000 $281,933

LTV Distribution

Loan to Value Originations Total Value Average Loan Average Fees Average Rate
20-40% 2,237 $519,025,000 $232,018 $4,451 3.34%
40-60% 1,989 $804,805,000 $404,628 $5,129 2.85%
60-80% 2,542 $1,113,350,000 $437,982 $6,712 2.98%
80-100% 769 $311,125,000 $404,584 $6,379 3.03%
Under 20% 3,260 $295,730,000 $90,715 $4,402 3.78%