Bethpage Federal Credit Union Mortgage Rates, Fees & Info

Bethpage, NY

LEI: 549300KTR1JGH3K6LU06

Tax ID: 11-1525965

5 stars - Updated: 4/14/24 - out of 5 stars, based on 85 reviews

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

Review & Overview

Bethpage Federal Credit Union is a small credit union specializing in Home Improvement and Home Purchase 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 by origination volume include: New York, Los Angeles, Chicago, San Francisco, and Miami among others. We have data for 312 markets. (Some data included below & more in-depth data is available with an active subscription.)

Bethpage Federal Credit Union has a below average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Bethpage Federal Credit Union is typically an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have relatively high rates.

We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

SimulatedRates™

Mortgage Type
Simulated Rate Simulation Date
Home Equity Line of Credit (HELOC) 6.28% 4/14/24
30 Year Conventional Purchase 6.33% 4/14/24
30 Year Conventional Refi 6.23% 4/14/24
30 Year Cash-out Refi 6.33% 4/14/24
30 Year FHA Purchase 7.26% 4/14/24
30 Year FHA Refi 7.63% 4/14/24
30 Year VA Purchase 6.36% 4/14/24
15 Year Conventional Purchase 5.65% 4/14/24
15 Year Conventional Refi 5.97% 4/14/24
15 Year Cash-out Refi 5.97% 4/14/24
15 Year FHA Purchase 5.68% 4/14/24
15 Year FHA Refi 5.68% 4/14/24
These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

Bethpage Federal Credit Union Mortgage Calculator






Your Estimates

Estimated Loan Payment: Update the calculator values and click calculate payment!

This is not an official calculator from Bethpage Federal Credit Union. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

The default purchase price is the median sales price across the US for 2022Q4, per FRED.


Originations

7,283

Origination Dollar Volume (All Markets)

$1,823,885,000
Show all (17) awards

Relative Rate

Bethpage Federal Credit Union's average 30 year fixed mortgage rate was 6.39%.

The 2023 average 30 year fixed rate mortgage across all markets and lenders was 6.48%.

This yields a difference of -0.09%.

Relative Fees (Closing Costs)

Bethpage Federal Credit Union's average total fees/closing costs for a 30 year fixed rate mortgage were $6,087.

The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including both points & up-front fees in addition to origination fees) were $9,089.

Top Markets

Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

Market Originations Total Value Average Loan Average Fees Average Rate
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 3,981 $993,805,000 $249,637 $6,181 8.28%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 254 $86,190,000 $339,331 $7,041 8.31%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 130 $72,040,000 $554,154 $5,946 7.87%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 122 $49,210,000 $403,361 $6,051 7.96%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 140 $42,100,000 $300,714 $5,811 8.19%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 173 $37,235,000 $215,231 $4,744 8.72%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 5 $27,295,000 $5,459,000 $0 8.05%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 121 $23,615,000 $195,165 $4,842 8.66%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 60 $22,040,000 $367,333 $5,394 7.88%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 67 $21,215,000 $316,642 $5,311 8.47%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 67 $18,875,000 $281,716 $5,524 8.64%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 84 $17,370,000 $206,786 $6,796 8.47%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 66 $15,720,000 $238,182 $3,376 8.55%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 86 $15,390,000 $178,953 $5,128 8.85%
Outside of Metro Areas 74 $14,550,000 $196,622 $5,490 8.20%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 61 $11,705,000 $191,885 $7,511 8.41%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 26 $11,550,000 $444,231 $4,130 8.05%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 43 $11,335,000 $263,605 $8,095 8.25%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 33 $10,855,000 $328,939 $5,650 6.61%
MUNCIE, IN (FHA|USDA|VA) 1 $10,705,000 $10,705,000 $0 5.75%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 48 $10,050,000 $209,375 $4,659 8.82%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 68 $9,660,000 $142,059 $5,916 8.50%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 19 $9,045,000 $476,053 $8,296 7.06%
JACKSON, MS (FHA|USDA|VA) 3 $8,485,000 $2,828,333 $0 8.00%
MONTGOMERY, AL (FHA|USDA|VA) 1 $8,455,000 $8,455,000 $0 3.88%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 28 $7,810,000 $278,929 $8,789 8.17%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 49 $7,785,000 $158,878 $4,288 8.64%
JACKSONVILLE, FL (FHA|USDA|VA) 36 $7,720,000 $214,444 $6,924 8.47%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 35 $7,625,000 $217,857 $6,333 8.88%
POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) 38 $7,200,000 $189,474 $5,456 8.37%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 46 $6,380,000 $138,696 $8,068 8.33%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 44 $6,210,000 $141,136 $5,251 8.83%
Payson, AZ (FHA|USDA|VA) 1 $6,135,000 $6,135,000 $0 6.25%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 44 $6,070,000 $137,955 $5,073 8.69%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 25 $5,735,000 $229,400 $6,787 8.03%
RALEIGH-CARY, NC (FHA|USDA|VA) 32 $5,490,000 $171,563 $4,707 8.63%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 20 $4,760,000 $238,000 $6,709 8.14%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 16 $4,280,000 $267,500 $6,824 8.02%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 20 $4,160,000 $208,000 $4,336 7.94%
STOCKTON, CA (FHA|USDA|VA) 9 $3,895,000 $432,778 $13,005 8.46%
PORT ST. LUCIE, FL (FHA|USDA|VA) 16 $3,710,000 $231,875 $5,759 8.13%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 19 $3,615,000 $190,263 $5,799 7.78%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 9 $3,585,000 $398,333 $4,656 8.22%
Hudson, NY (FHA|USDA|VA) 9 $3,405,000 $378,333 $4,781 7.44%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 26 $3,380,000 $130,000 $4,373 8.89%
SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 9 $3,315,000 $368,333 $6,323 7.99%
TUCSON, AZ (FHA|USDA|VA) 20 $3,130,000 $156,500 $4,576 8.61%
RICHMOND, VA (FHA|USDA|VA) 21 $2,945,000 $140,238 $3,689 8.65%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 17 $2,745,000 $161,471 $5,940 8.65%
Heber, UT (FHA|USDA|VA) 1 $2,625,000 $2,625,000 $5,613 7.50%
OCEAN CITY, NJ (FHA|USDA|VA) 6 $2,560,000 $426,667 $5,201 7.21%
SALINAS, CA (FHA|USDA|VA) 7 $2,515,000 $359,286 $4,017 8.34%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 16 $2,480,000 $155,000 $5,360 8.50%
GAINESVILLE, GA (FHA|USDA|VA) 5 $2,445,000 $489,000 $8,117 8.03%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 16 $2,290,000 $143,125 $5,343 8.98%
Kapaa, HI (FHA|USDA|VA) 1 $2,155,000 $2,155,000 $11,421 7.25%
KINGSTON, NY (FHA|USDA|VA) 12 $2,150,000 $179,167 $4,788 8.24%
KANSAS CITY, MO-KS (FHA|USDA|VA) 21 $2,085,000 $99,286 $0 8.81%
ASHEVILLE, NC (FHA|USDA|VA) 10 $2,080,000 $208,000 $3,968 8.40%
WILMINGTON, NC (FHA|USDA|VA) 4 $1,980,000 $495,000 $5,984 9.53%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 12 $1,880,000 $156,667 $5,719 8.81%
NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 12 $1,870,000 $155,833 $5,225 8.36%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 10 $1,850,000 $185,000 $4,618 8.41%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 16 $1,850,000 $115,625 $4,383 8.98%
COLUMBUS, OH (FHA|USDA|VA) 18 $1,840,000 $102,222 $0 9.00%
NILES, MI (FHA|USDA|VA) 7 $1,825,000 $260,714 $4,018 7.36%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 11 $1,805,000 $164,091 $6,275 8.43%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 13 $1,775,000 $136,538 $4,645 8.59%
BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) 17 $1,755,000 $103,235 $4,390 8.76%
PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 9 $1,735,000 $192,778 $4,309 7.61%
RENO, NV (FHA|USDA|VA) 9 $1,725,000 $191,667 $4,665 8.57%
ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) 15 $1,705,000 $113,667 $5,698 8.43%
Ellensburg, WA (FHA|USDA|VA) 4 $1,650,000 $412,500 $3,911 7.22%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 7 $1,615,000 $230,714 $7,072 8.50%
Truckee-Grass Valley, CA (FHA|USDA|VA) 4 $1,610,000 $402,500 $4,745 6.34%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 10 $1,560,000 $156,000 $0 8.80%
NAPA, CA (FHA|USDA|VA) 5 $1,555,000 $311,000 $2 8.25%
EAST STROUDSBURG, PA (FHA|USDA|VA) 7 $1,455,000 $207,857 $4,876 7.00%
GLENS FALLS, NY (FHA|USDA|VA) 5 $1,455,000 $291,000 $5,157 7.53%
SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 8 $1,430,000 $178,750 $0 8.47%
Torrington, CT (FHA|USDA|VA) 5 $1,395,000 $279,000 $4,029 7.48%
BOULDER, CO (FHA|USDA|VA) 6 $1,390,000 $231,667 $3,863 8.27%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 9 $1,345,000 $149,444 $4,982 8.42%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 5 $1,335,000 $267,000 $0 8.60%
Steamboat Springs, CO (FHA|USDA|VA) 1 $1,275,000 $1,275,000 $4,906 6.00%
WORCESTER, MA-CT (FHA|USDA|VA) 7 $1,245,000 $177,857 $5,505 9.04%
ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 5 $1,245,000 $249,000 $5,852 8.83%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 11 $1,225,000 $111,364 $4,781 8.78%
Kill Devil Hills, NC (FHA|USDA|VA) 3 $1,205,000 $401,667 $9,464 8.58%
MANCHESTER-NASHUA, NH (FHA|USDA|VA) 5 $1,205,000 $241,000 $3,707 8.15%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 14 $1,080,000 $77,143 $7,839 8.89%
ST. LOUIS, MO-IL (FHA|USDA|VA) 9 $1,025,000 $113,889 $0 9.44%
KNOXVILLE, TN (FHA|USDA|VA) 5 $1,025,000 $205,000 $4,239 8.30%
Angola, IN (FHA|USDA|VA) 1 $1,015,000 $1,015,000 $3,775 5.75%
SALT LAKE CITY, UT (FHA|USDA|VA) 9 $1,005,000 $111,667 $0 9.19%
BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) 4 $990,000 $247,500 $4,674 7.94%
BEND, OR (FHA|USDA|VA) 5 $985,000 $197,000 $6,126 8.73%
SYRACUSE, NY (FHA|USDA|VA) 10 $940,000 $94,000 $4,041 8.43%
PUNTA GORDA, FL (FHA|USDA|VA) 4 $930,000 $232,500 $3,447 8.28%
PITTSBURGH, PA (FHA|USDA|VA) 5 $925,000 $185,000 $5,439 8.50%
Oneonta, NY (FHA|USDA|VA) 2 $920,000 $460,000 $12,274 6.38%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 12 $900,000 $75,000 $4,626 8.60%
COLUMBIA, SC (FHA|USDA|VA) 9 $885,000 $98,333 $0 8.92%
SALEM, OR (FHA|USDA|VA) 9 $875,000 $97,222 $0 9.44%
BELLINGHAM, WA (FHA|USDA|VA) 2 $870,000 $435,000 $0 8.63%
Laconia, NH (FHA|USDA|VA) 3 $865,000 $288,333 $4,367 7.63%
ROCHESTER, NY (FHA|USDA|VA) 10 $850,000 $85,000 $5,319 8.81%
NORWICH-NEW LONDON, CT (FHA|USDA|VA) 4 $820,000 $205,000 $4,826 8.06%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 5 $805,000 $161,000 $0 8.50%
VALLEJO, CA (FHA|USDA|VA) 3 $795,000 $265,000 $0 8.92%
LONGVIEW, WA (FHA|USDA|VA) 3 $785,000 $261,667 $5,074 7.67%
FRESNO, CA (FHA|USDA|VA) 8 $770,000 $96,250 $0 9.03%
OKLAHOMA CITY, OK (FHA|USDA|VA) 8 $760,000 $95,000 $4,187 8.52%
KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) 1 $755,000 $755,000 $7,293 5.50%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 9 $755,000 $83,889 $0 8.89%
YAKIMA, WA (FHA|USDA|VA) 7 $755,000 $107,857 $3,811 8.70%
LOUISVILLE, KY (FHA|USDA|VA) 10 $750,000 $75,000 $2,538 8.95%
HUNTSVILLE, AL (FHA|USDA|VA) 5 $735,000 $147,000 $0 9.00%
BINGHAMTON, NY (FHA|USDA|VA) 4 $720,000 $180,000 $3,847 8.03%
MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) 2 $720,000 $360,000 $3,087 7.44%
SAVANNAH, GA (FHA|USDA|VA) 6 $690,000 $115,000 $0 8.96%
BOISE CITY, ID (FHA|USDA|VA) 6 $690,000 $115,000 $0 8.79%
Riverton, WY (FHA|USDA|VA) 3 $685,000 $228,333 $0 8.92%
WENATCHEE, WA (FHA|USDA|VA) 2 $670,000 $335,000 $4,556 7.63%
CHICO, CA (FHA|USDA|VA) 5 $665,000 $133,000 $0 8.45%
GREELEY, CO (FHA|USDA|VA) 5 $665,000 $133,000 $0 8.70%
Oak Harbor, WA (FHA|USDA|VA) 1 $625,000 $625,000 $4,316 6.88%
HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 3 $625,000 $208,333 $7,272 8.13%
EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 2 $610,000 $305,000 $0 7.88%
PROVO-OREM, UT (FHA|USDA|VA) 3 $605,000 $201,667 $0 8.83%
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 4 $600,000 $150,000 $3,855 7.50%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 8 $600,000 $75,000 $5,511 8.80%
Sebastian-Vero Beach, FL (FHA|USDA|VA) 4 $590,000 $147,500 $4,170 8.00%
COLORADO SPRINGS, CO (FHA|USDA|VA) 6 $580,000 $96,667 $0 9.25%
ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 4 $570,000 $142,500 $4,909 8.13%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 6 $570,000 $95,000 $0 8.71%
READING, PA (FHA|USDA|VA) 5 $565,000 $113,000 $0 9.20%
GRAND JUNCTION, CO (FHA|USDA|VA) 4 $560,000 $140,000 $0 8.69%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 3 $555,000 $185,000 $0 8.17%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 8 $550,000 $68,750 $0 9.56%
FLAGSTAFF, AZ (FHA|USDA|VA) 1 $525,000 $525,000 $10,466 7.25%
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 6 $520,000 $86,667 $0 9.17%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 7 $515,000 $73,571 $0 9.61%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 8 $510,000 $63,750 $0 9.41%
Brookings, OR (FHA|USDA|VA) 1 $505,000 $505,000 $0 8.50%
SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 3 $495,000 $165,000 $4,643 6.83%
SALISBURY, MD-DE (FHA|USDA|VA) 5 $495,000 $99,000 $0 8.60%
WINSTON-SALEM, NC (FHA|USDA|VA) 4 $490,000 $122,500 $0 9.00%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 5 $485,000 $97,000 $0 9.10%
SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 3 $475,000 $158,333 $0 8.50%
THE VILLAGES, FL (FHA|USDA|VA) 3 $475,000 $158,333 $3,528 7.50%
Berlin, NH (FHA|USDA|VA) 3 $465,000 $155,000 $4,011 6.58%
Seneca, SC (FHA|USDA|VA) 2 $450,000 $225,000 $0 8.13%
Keene, NH (FHA|USDA|VA) 3 $445,000 $148,333 $5,334 7.96%
TRENTON-PRINCETON, NJ (FHA|USDA|VA) 3 $445,000 $148,333 $0 8.75%
Lebanon, NH-VT (FHA|USDA|VA) 2 $440,000 $220,000 $4,045 7.94%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 3 $435,000 $145,000 $0 8.67%
DAYTON-KETTERING, OH (FHA|USDA|VA) 5 $435,000 $87,000 $4,648 9.43%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 6 $420,000 $70,000 $4,802 9.10%
FORT COLLINS, CO (FHA|USDA|VA) 5 $415,000 $83,000 $0 8.95%
ALBUQUERQUE, NM (FHA|USDA|VA) 7 $415,000 $59,286 $0 9.00%
SIOUX FALLS, SD (FHA|USDA|VA) 1 $405,000 $405,000 $0 8.75%
SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 5 $405,000 $81,000 $3,823 9.18%
Key West, FL (FHA|USDA|VA) 2 $400,000 $200,000 $0 9.50%
KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 4 $400,000 $100,000 $0 8.69%
BARNSTABLE TOWN, MA (FHA|USDA|VA) 1 $395,000 $395,000 $4,508 7.13%
OCALA, FL (FHA|USDA|VA) 3 $395,000 $131,667 $0 8.58%
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 3 $385,000 $128,333 $0 9.25%
Holland, MI (FHA|USDA|VA) 1 $385,000 $385,000 $3,498 7.38%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 3 $385,000 $128,333 $0 8.92%
Batavia, NY (FHA|USDA|VA) 3 $385,000 $128,333 $3,911 7.92%
HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 3 $365,000 $121,667 $9,567 7.46%
Durango, CO (FHA|USDA|VA) 2 $360,000 $180,000 $0 8.63%
CARSON CITY, NV (FHA|USDA|VA) 4 $360,000 $90,000 $0 9.06%
TULSA, OK (FHA|USDA|VA) 3 $355,000 $118,333 $0 9.25%
Whitewater, WI (FHA|USDA|VA) 2 $350,000 $175,000 $0 8.75%
Traverse City, MI (FHA|USDA|VA) 1 $345,000 $345,000 $3,786 6.13%
TALLAHASSEE, FL (FHA|USDA|VA) 4 $340,000 $85,000 $0 8.88%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 4 $340,000 $85,000 $5,316 8.34%
GAINESVILLE, FL (FHA|USDA|VA) 2 $330,000 $165,000 $0 9.50%
Outside of Metro Areas 3 $325,000 $108,333 $0 8.58%
Shelton, WA (FHA|USDA|VA) 3 $315,000 $105,000 $0 8.50%
HARRISONBURG, VA (FHA|USDA|VA) 3 $315,000 $105,000 $0 8.25%
ROME, GA (FHA|USDA|VA) 3 $315,000 $105,000 $0 8.83%
ANCHORAGE, AK (FHA|USDA|VA) 2 $310,000 $155,000 $0 9.75%
PITTSFIELD, MA (FHA|USDA|VA) 3 $305,000 $101,667 $3,788 8.33%
Port Angeles, WA (FHA|USDA|VA) 1 $305,000 $305,000 $0 8.25%
AKRON, OH (FHA|USDA|VA) 3 $295,000 $98,333 $0 9.42%
Jefferson, GA (FHA|USDA|VA) 1 $295,000 $295,000 $4,826 7.50%
SPARTANBURG, SC (FHA|USDA|VA) 3 $285,000 $95,000 $0 8.67%
Concord, NH (FHA|USDA|VA) 3 $285,000 $95,000 $0 9.42%
LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 5 $285,000 $57,000 $0 9.05%
BRUNSWICK, GA (FHA|USDA|VA) 2 $260,000 $130,000 $6,782 7.75%
MOBILE, AL (FHA|USDA|VA) 2 $260,000 $130,000 $3,691 8.25%
MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) 1 $255,000 $255,000 $0 8.00%
OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 3 $255,000 $85,000 $0 9.00%
LAS CRUCES, NM (FHA|USDA|VA) 2 $250,000 $125,000 $0 8.50%
APPLETON, WI (FHA|USDA|VA) 2 $240,000 $120,000 $0 9.50%
Bardstown, KY (FHA|USDA|VA) 2 $240,000 $120,000 $0 8.50%
PANAMA CITY, FL (FHA|USDA|VA) 2 $230,000 $115,000 $0 9.63%
MANSFIELD, OH (FHA|USDA|VA) 2 $230,000 $115,000 $0 9.63%
Marion, NC (FHA|USDA|VA) 1 $225,000 $225,000 $0 9.25%
MERCED, CA (FHA|USDA|VA) 2 $220,000 $110,000 $0 10.50%
ROCHESTER, MN (FHA|USDA|VA) 2 $220,000 $110,000 $0 8.38%
COLUMBUS, GA-AL (FHA|USDA|VA) 5 $215,000 $43,000 $0 8.90%
Cedar City, UT (FHA|USDA|VA) 1 $215,000 $215,000 $0 7.75%
KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 2 $210,000 $105,000 $0 8.63%
SPRINGFIELD, MA (FHA|USDA|VA) 4 $210,000 $52,500 $0 8.56%
BANGOR, ME (FHA|USDA|VA) 2 $210,000 $105,000 $4,107 8.31%
CLEVELAND, TN (FHA|USDA|VA) 1 $205,000 $205,000 $0 9.00%
Storm Lake, IA (FHA|USDA|VA) 1 $205,000 $205,000 $3,497 6.25%
Ogdensburg-Massena, NY (FHA|USDA|VA) 2 $200,000 $100,000 $4,403 5.63%
Breckenridge, CO (FHA|USDA|VA) 2 $200,000 $100,000 $0 8.13%
Jasper, AL (FHA|USDA|VA) 1 $195,000 $195,000 $0 9.50%
Aberdeen, WA (FHA|USDA|VA) 2 $190,000 $95,000 $3,928 8.13%
WILLIAMSPORT, PA (FHA|USDA|VA) 1 $185,000 $185,000 $3,410 5.88%
DOVER, DE (FHA|USDA|VA) 2 $180,000 $90,000 $0 9.25%
FAYETTEVILLE, NC (FHA|USDA|VA) 2 $180,000 $90,000 $0 9.13%
CORVALLIS, OR (FHA|USDA|VA) 2 $180,000 $90,000 $0 8.50%
BAKERSFIELD, CA (FHA|USDA|VA) 3 $175,000 $58,333 $0 8.92%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 2 $170,000 $85,000 $5,267 7.31%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 2 $170,000 $85,000 $0 8.25%
FLORENCE, SC (FHA|USDA|VA) 2 $170,000 $85,000 $0 9.75%
ST. GEORGE, UT (FHA|USDA|VA) 1 $165,000 $165,000 $0 8.50%
WICHITA, KS (FHA|USDA|VA) 2 $160,000 $80,000 $0 10.13%
DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 2 $160,000 $80,000 $0 8.75%
LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 2 $160,000 $80,000 $0 8.88%
DULUTH, MN-WI (FHA|USDA|VA) 2 $160,000 $80,000 $3,957 7.88%
CHARLOTTESVILLE, VA (FHA|USDA|VA) 3 $155,000 $51,667 $0 9.08%
Cornelia, GA (FHA|USDA|VA) 1 $155,000 $155,000 $0 9.75%
Augusta-Waterville, ME (FHA|USDA|VA) 3 $155,000 $51,667 $0 9.08%
SPRINGFIELD, MO (FHA|USDA|VA) 1 $155,000 $155,000 $0 9.00%
LAFAYETTE, LA (FHA|USDA|VA) 3 $145,000 $48,333 $0 10.08%
VISALIA, CA (FHA|USDA|VA) 1 $135,000 $135,000 $0 8.75%
CHARLESTON, WV (FHA|USDA|VA) 1 $135,000 $135,000 $4,427 5.00%
BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) 2 $130,000 $65,000 $0 8.38%
Pullman, WA (FHA|USDA|VA) 1 $125,000 $125,000 $0 8.50%
EspaƱola, NM (FHA|USDA|VA) 1 $125,000 $125,000 $0 8.75%
DALTON, GA (FHA|USDA|VA) 2 $120,000 $60,000 $0 8.75%
Pinehurst-Southern Pines, NC (FHA|USDA|VA) 2 $110,000 $55,000 $0 9.63%
Jamestown-Dunkirk-Fredonia, NY (FHA|USDA|VA) 2 $110,000 $55,000 $1,830 7.38%
Helena, MT (FHA|USDA|VA) 1 $105,000 $105,000 $0 10.00%
CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) 1 $105,000 $105,000 $0 9.00%
LOGAN, UT-ID (FHA|USDA|VA) 1 $105,000 $105,000 $0 8.75%
Adrian, MI (FHA|USDA|VA) 1 $105,000 $105,000 $0 8.00%
ITHACA, NY (FHA|USDA|VA) 1 $95,000 $95,000 $0 10.75%
Mount Vernon, OH (FHA|USDA|VA) 1 $95,000 $95,000 $0 8.50%
BATON ROUGE, LA (FHA|USDA|VA) 2 $90,000 $45,000 $0 9.75%
MODESTO, CA (FHA|USDA|VA) 2 $90,000 $45,000 $0 8.50%
Plymouth, IN (FHA|USDA|VA) 1 $85,000 $85,000 $2,800 4.88%
Elko, NV (FHA|USDA|VA) 1 $85,000 $85,000 $0 10.50%
YUBA CITY, CA (FHA|USDA|VA) 1 $85,000 $85,000 $0 8.75%
CANTON-MASSILLON, OH (FHA|USDA|VA) 1 $85,000 $85,000 $7,756 6.25%
Athens, OH (FHA|USDA|VA) 1 $75,000 $75,000 $0 8.75%
CHEYENNE, WY (FHA|USDA|VA) 1 $75,000 $75,000 $0 9.50%
SHEBOYGAN, WI (FHA|USDA|VA) 1 $75,000 $75,000 $0 8.75%
BURLINGTON, NC (FHA|USDA|VA) 1 $75,000 $75,000 $0 8.25%
JACKSONVILLE, NC (FHA|USDA|VA) 1 $75,000 $75,000 $0 9.00%
AUBURN-OPELIKA, AL (FHA|USDA|VA) 1 $75,000 $75,000 $0 8.50%
ERIE, PA (FHA|USDA|VA) 1 $75,000 $75,000 $0 8.50%
Brevard, NC (FHA|USDA|VA) 1 $75,000 $75,000 $0 8.50%
YUMA, AZ (FHA|USDA|VA) 1 $75,000 $75,000 $0 10.50%
Lake City, FL (FHA|USDA|VA) 1 $75,000 $75,000 $0 9.50%
Warsaw, IN (FHA|USDA|VA) 1 $65,000 $65,000 $0 9.25%
GOLDSBORO, NC (FHA|USDA|VA) 1 $65,000 $65,000 $0 9.50%
ROCKFORD, IL (FHA|USDA|VA) 1 $65,000 $65,000 $0 8.75%
FORT WAYNE, IN (FHA|USDA|VA) 1 $65,000 $65,000 $0 9.00%
FLINT, MI (FHA|USDA|VA) 1 $65,000 $65,000 $0 8.75%
SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 1 $65,000 $65,000 $0 9.25%
Easton, MD (FHA|USDA|VA) 1 $65,000 $65,000 $0 9.50%
Milledgeville, GA (FHA|USDA|VA) 1 $65,000 $65,000 $3,172 5.38%
Cookeville, TN (FHA|USDA|VA) 1 $55,000 $55,000 $0 8.25%
EL CENTRO, CA (FHA|USDA|VA) 1 $55,000 $55,000 $0 7.75%
LANCASTER, PA (FHA|USDA|VA) 1 $55,000 $55,000 $0 8.50%
Corning, NY (FHA|USDA|VA) 1 $55,000 $55,000 $0 10.00%
LAWRENCE, KS (FHA|USDA|VA) 1 $55,000 $55,000 $0 9.50%
GRAND FORKS, ND-MN (FHA|USDA|VA) 1 $55,000 $55,000 $0 9.25%
Russellville, AR (FHA|USDA|VA) 1 $55,000 $55,000 $0 9.75%
Moses Lake, WA (FHA|USDA|VA) 1 $55,000 $55,000 $0 7.75%
Starkville, MS (FHA|USDA|VA) 1 $55,000 $55,000 $0 9.75%
ALTOONA, PA (FHA|USDA|VA) 1 $55,000 $55,000 $2,687 7.88%
Woodward, OK (FHA|USDA|VA) 1 $55,000 $55,000 $0 8.00%
Sheridan, WY (FHA|USDA|VA) 1 $55,000 $55,000 $0 9.75%
TOLEDO, OH (FHA|USDA|VA) 1 $55,000 $55,000 $0 8.75%
MEDFORD, OR (FHA|USDA|VA) 1 $55,000 $55,000 $0 8.50%
WINCHESTER, VA-WV (FHA|USDA|VA) 1 $55,000 $55,000 $0 8.50%
JOPLIN, MO (FHA|USDA|VA) 1 $55,000 $55,000 $0 9.25%
Hobbs, NM (FHA|USDA|VA) 1 $55,000 $55,000 $0 9.00%
Kalispell, MT (FHA|USDA|VA) 1 $55,000 $55,000 $0 9.00%
HOUMA-THIBODAUX, LA (FHA|USDA|VA) 1 $45,000 $45,000 $0 8.25%
Sonora, CA (FHA|USDA|VA) 1 $45,000 $45,000 $0 8.50%
Fernley, NV (FHA|USDA|VA) 1 $45,000 $45,000 $0 9.25%
DuBois, PA (FHA|USDA|VA) 1 $45,000 $45,000 $0 9.25%
ROANOKE, VA (FHA|USDA|VA) 1 $45,000 $45,000 $0 8.75%
UTICA-ROME, NY (FHA|USDA|VA) 1 $45,000 $45,000 $0 8.25%
Lexington, NE (FHA|USDA|VA) 1 $45,000 $45,000 $0 9.50%
ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) 1 $35,000 $35,000 $0 9.50%
Boone, NC (FHA|USDA|VA) 1 $35,000 $35,000 $0 7.50%
Gloversville, NY (FHA|USDA|VA) 1 $35,000 $35,000 $0 7.75%
North Wilkesboro, NC (FHA|USDA|VA) 1 $35,000 $35,000 $0 8.50%
Roanoke Rapids, NC (FHA|USDA|VA) 1 $35,000 $35,000 $0 9.50%
Gardnerville Ranchos, NV (FHA|USDA|VA) 1 $35,000 $35,000 $0 8.75%
JONESBORO, AR (FHA|USDA|VA) 1 $35,000 $35,000 $0 9.25%
JOHNSON CITY, TN (FHA|USDA|VA) 1 $35,000 $35,000 $0 9.50%
HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) 1 $25,000 $25,000 $0 10.75%
LINCOLN, NE (FHA|USDA|VA) 1 $25,000 $25,000 $0 8.50%
LYNCHBURG, VA (FHA|USDA|VA) 1 $25,000 $25,000 $0 8.25%
BLOOMINGTON, IL (FHA|USDA|VA) 1 $25,000 $25,000 $0 9.50%
TERRE HAUTE, IN (FHA|USDA|VA) 1 $25,000 $25,000 $0 8.50%
Rochelle, IL (FHA|USDA|VA) 1 $25,000 $25,000 $0 9.25%
Fort Morgan, CO (FHA|USDA|VA) 1 $15,000 $15,000 $0 10.00%
WARNER ROBINS, GA (FHA|USDA|VA) 1 $15,000 $15,000 $0 9.25%
Bethpage Federal Credit Union's top markets include New York, Los Angeles, Chicago, San Francisco, and Miami among others.

Their top states include:
  • New York (FHA|USDA|VA)
  • California (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • New Jersey (FHA|USDA|VA)
  • Illinois (FHA|USDA|VA)
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    HELOC 5,862 $891,840,000 $152,139 n/a 8.83%
    Conventional 1,389 $919,315,000 $661,854 $6,040 6.35%
    FHA 32 $12,730,000 $397,813 $4,658 6.64%

    For 2023, Bethpage Federal Credit Union's most frequently originated type of loan was HELOC, with 5,862 originations. Their 2nd most popular type was Conventional, with 1,389 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Improvement 3,199 $449,885,000 $140,633 $0 8.80%
    Other 1,520 $182,780,000 $120,250 $0 9.03%
    Home Purchase 1,187 $585,375,000 $493,155 $6,236 6.62%
    Cash Out Refi 1,160 $330,750,000 $285,129 $5,185 8.17%
    Refi 217 $275,095,000 $1,267,719 $5,156 7.36%

    For 2023, Bethpage Federal Credit Union's most frequently cited loan purpose was Home Improvement, with 3,199 originations. The 2nd most popular reason was Other, with 1,520 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    20 Year 5,874 $896,170,000 $152,566 $5,321 8.83%
    30 Year 1,311 $692,445,000 $528,181 $6,087 6.39%
    10 Year 54 $206,970,000 $3,832,778 $4,240 5.75%
    15 Year 42 $10,690,000 $254,524 $4,915 5.92%
    5 Year 2 $17,610,000 $8,805,000 $0 6.88%

    For 2023, Bethpage Federal Credit Union's most frequently cited loan duration was 20 Year, with 5,874 originations. The 2nd most popular length was 30 Year, with 1,311 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 966 $512,730,000 $530,776
    $1k-2k 144 $49,090,000 $340,903
    $2k-3k 100 $51,580,000 $515,800
    $5k+ 79 $52,145,000 $660,063
    $3k-4k 58 $27,320,000 $471,034
    $4k-5k 29 $13,895,000 $479,138

    Bethpage Federal Credit Union's average total fees were $6,087, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 966 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    Over 8% 5,028 $745,430,000 $148,256
    7-8% 1,083 $282,975,000 $261,288
    6-7% 629 $415,495,000 $660,564
    5-6% 523 $363,865,000 $695,727
    4-5% 17 $4,555,000 $267,941
    3-4% 3 $11,565,000 $3,855,000

    During 2023, Bethpage Federal Credit Union's average interest rate for loans was 6.39%, while their most frequently originated rate bucket for loans was Over 8%, with 5,028 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 2,490 $146,880,000 $58,988 $3,791 8.91%
    $100k-200k 2,069 $278,945,000 $134,821 $4,065 8.63%
    $200k-400k 1,476 $400,320,000 $271,220 $5,028 8.04%
    $400k-600k 802 $384,070,000 $478,890 $6,348 7.46%
    $600k-1MM 299 $226,325,000 $756,940 $7,072 6.57%
    $1MM+ 147 $387,345,000 $2,635,000 $9,059 6.33%

    2023 saw Bethpage Federal Credit Union place emphasis on $100,000 or less loans with 2,490 originations, totaling $146,880,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $150k-250k 2,319 $507,685,000 $218,924 $6,212 8.39%
    $100k-150k 1,765 $269,155,000 $152,496 $5,256 8.46%
    $250k+ 1,706 $682,640,000 $400,141 $6,870 8.09%
    $75k-100k 791 $86,255,000 $109,046 $4,419 8.48%
    $50k-75k 510 $47,680,000 $93,490 $4,039 8.51%
    $50k or less 162 $12,120,000 $74,815 $3,671 8.51%

    Bethpage Federal Credit Union lent most frequently to those with incomes in the $150k-250k range, with 2,319 originations. The second most popular income band? $100k-150k, with 1,765 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    50-60% 1,323 $217,675,000 $164,531 $5,356 8.81%
    20-30% 1,301 $267,035,000 $205,254 $5,666 8.25%
    30-36% 1,179 $268,365,000 $227,621 $5,869 8.30%
    <20% 461 $107,885,000 $234,024 $5,643 8.05%
    42% 236 $61,690,000 $261,398 $6,444 8.11%
    47% 234 $63,350,000 $270,726 $6,746 8.29%
    44% 230 $54,480,000 $236,870 $6,231 8.27%
    36% 223 $46,015,000 $206,345 $5,238 8.41%
    37% 220 $43,480,000 $197,636 $5,471 8.34%
    48% 219 $53,715,000 $245,274 $6,804 8.42%
    49% 215 $53,065,000 $246,814 $6,513 8.18%
    38% 208 $48,580,000 $233,558 $6,199 8.29%
    41% 207 $59,155,000 $285,773 $6,882 8.19%
    40% 201 $57,745,000 $287,289 $6,458 8.21%
    39% 200 $51,560,000 $257,800 $6,138 8.22%
    43% 197 $52,205,000 $265,000 $5,333 8.15%
    45% 192 $42,450,000 $221,094 $6,063 8.52%
    46% 180 $50,360,000 $279,778 $6,375 8.16%
    >60% 29 $7,055,000 $243,276 $5,476 8.44%

    Bethpage Federal Credit Union lent most frequently to those with DTI ratios of 50-60%, with 1,323 originations. The next most common DTI ratio? 20-30%, with 1,301 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 4,984 $1,045,500,000 $209,771 $5,927 8.44%
    Not provided 1,406 $347,080,000 $246,856 $5,996 8.05%
    Not applicable 28 $218,020,000 $7,786,429 $0 6.19%
    Asian 500 $149,460,000 $298,920 $6,515 8.16%
    Black 304 $47,990,000 $157,862 $6,201 8.72%
    American Indian 34 $5,440,000 $160,000 $5,222 8.78%
    Asian Indian 8 $5,210,000 $651,250 $7,008 5.78%
    Chinese 6 $2,730,000 $455,000 $5,291 6.27%
    Filipino 2 $1,080,000 $540,000 $5,645 5.75%
    Native Hawaiian or Islander 10 $890,000 $89,000 $3,928 8.35%
    Other Asian 1 $485,000 $485,000 $7,899 5.50%

    Approval Rates

    Total approvals of all applications
    52.94%

    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
    68.54%

    Bethpage Federal Credit Union has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.

    Points and Fees

    Points Originations Total Value Average Loan
    0.0 135 $21,075,000 $156,111
    NA 7,148 $1,802,810,000 $252,212

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    7,283 $1,823,885,000 $250,430

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 1,885 $444,125,000 $235,610 $4,842 8.62%
    40-60% 566 $308,290,000 $544,682 $5,513 7.49%
    60-80% 675 $493,085,000 $730,496 $6,328 6.63%
    80-100% 386 $206,140,000 $534,041 $6,403 6.60%
    Under 20% 3,771 $372,245,000 $98,713 $4,594 8.83%