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

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

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Mortgage Data

  • SimulatedRates™
  • Review & 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 by origination volume include: New York, San Francisco, Miami, Los Angeles, and Bridgeport among others. We have data for 231 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 about average 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) 7.38% 12/4/22
    30 Year Conventional Purchase 6.65% 12/4/22
    30 Year Conventional Refi 6.63% 12/4/22
    30 Year Cash-out Refi 6.77% 12/4/22
    30 Year FHA Purchase 7.61% 12/4/22
    30 Year FHA Refi 7.26% 12/4/22
    30 Year VA Purchase 6.72% 12/4/22
    15 Year Conventional Purchase 5.86% 12/4/22
    15 Year Conventional Refi 5.99% 12/4/22
    15 Year Cash-out Refi 5.99% 12/4/22
    15 Year FHA Refi 5.76% 12/4/22
    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.


    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 mortgage rate was 2.94%.

    The 2021 average 30 year fixed rate mortgage across all markets and lenders was 3.15%.

    This yields a difference of -0.21%.

    Relative Fees (Closing Costs)

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

    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 $4,750.

    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) 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.

    Their top states include:
  • New York (FHA|USDA|VA)
  • California (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • New Jersey (FHA|USDA|VA)
  • Connecticut (FHA|USDA|VA)
  • Similar Lenders

    We use machine learning to identify the top lenders compared against Bethpage Federal Credit Union based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    HELOC 5,392 $830,570,000 $154,037 n/a 3.75%
    Conventional 5,315 $2,179,335,000 $410,035 $5,913 2.80%
    FHA 85 $32,295,000 $379,941 $3,843 3.13%
    VA 5 $1,835,000 $367,000 $13,470 2.93%

    For 2021, Bethpage Federal Credit Union's most frequently originated type of loan was HELOC, with 5,392 originations. Their 2nd most popular type was Conventional, with 5,315 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. 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 2021, Bethpage Federal Credit Union's most frequently cited loan purpose was Cash Out Refi, with 3,288 originations. The 2nd most popular reason was 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 2021, Bethpage Federal Credit Union's most frequently cited loan duration was 20 Year, with 6,019 originations. The 2nd most popular length was 30 Year, with 3,463 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost 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 492 $165,590,000 $336,565
    $4k-5k 292 $110,060,000 $376,918

    Bethpage Federal Credit Union's average total fees were $6,345, while their most frequently occuring range of origination fees (closing costs) 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 for loans was 2.94%, while their most frequently originated rate bucket for loans was 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 or Islander 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
    67.13%

    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
    71.17%

    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%