Bethpage Federal Credit Union Mortgage Rates, Fees & Info

Bethpage, NY

LEI: 549300KTR1JGH3K6LU06

Tax ID: 11-1525965

5 stars - Updated: 3/17/24 - out of 5 stars, based on 102 reviews

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

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Mortgage Data

Review & Overview

Bethpage Federal Credit Union is a mid-sized credit union specializing in Home Improvement, Cash Out Refi, 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, San Francisco, Atlanta, and Miami among others. We have data for 281 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) 6.28% 3/17/24
30 Year Conventional Purchase 6.33% 3/17/24
30 Year Conventional Refi 6.23% 3/17/24
30 Year Cash-out Refi 6.33% 3/17/24
30 Year FHA Purchase 7.26% 3/17/24
30 Year FHA Refi 7.63% 3/17/24
30 Year VA Purchase 6.36% 3/17/24
15 Year Conventional Purchase 5.65% 3/17/24
15 Year Conventional Refi 5.97% 3/17/24
15 Year Cash-out Refi 5.97% 3/17/24
15 Year FHA Purchase 5.68% 3/17/24
15 Year FHA Refi 5.68% 3/17/24
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

10,402

Origination Dollar Volume (All Markets)

$3,069,650,000
Show all (9) awards

Relative Rate

Bethpage Federal Credit Union's average 30 year fixed mortgage rate was 4.32%.

The 2022 average 30 year fixed rate mortgage across all markets and lenders was 4.76%.

This yields a difference of -0.44%.

Relative Fees (Closing Costs)

Bethpage Federal Credit Union's average total fees/closing costs for a 30 year fixed rate mortgage were $6,083.

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) 6,760 $1,810,500,000 $267,825 $6,032 4.81%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 396 $150,110,000 $379,066 $6,976 4.83%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 252 $120,870,000 $479,643 $5,638 4.73%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 196 $77,280,000 $394,286 $5,351 5.14%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 193 $63,715,000 $330,130 $6,869 4.87%
NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 26 $56,400,000 $2,169,231 $5,158 4.71%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 130 $45,840,000 $352,615 $6,887 4.94%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 64 $45,250,000 $707,031 $4,503 4.36%
RAPID CITY, SD (FHA|USDA|VA) 2 $41,110,000 $20,555,000 $0 4.63%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 72 $34,140,000 $474,167 $6,426 4.95%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 93 $33,585,000 $361,129 $5,307 4.83%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 64 $31,080,000 $485,625 $5,967 4.96%
RALEIGH-CARY, NC (FHA|USDA|VA) 30 $23,810,000 $793,667 $4,299 4.69%
OKLAHOMA CITY, OK (FHA|USDA|VA) 4 $23,160,000 $5,790,000 $6,406 4.38%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 46 $22,680,000 $493,043 $6,285 4.76%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 144 $21,920,000 $152,222 $4,423 4.80%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 54 $21,650,000 $400,926 $4,355 5.13%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 78 $21,580,000 $276,667 $6,036 4.95%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 97 $19,265,000 $198,608 $5,917 4.59%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 72 $18,910,000 $262,639 $5,416 5.15%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 93 $17,775,000 $191,129 $5,576 5.25%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 88 $16,170,000 $183,750 $5,749 5.21%
Outside of Metro Areas 71 $13,715,000 $193,169 $5,143 4.90%
FAYETTEVILLE, NC (FHA|USDA|VA) 1 $12,705,000 $12,705,000 $0 4.75%
ROCKFORD, IL (FHA|USDA|VA) 1 $12,615,000 $12,615,000 $0 3.88%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 1 $12,005,000 $12,005,000 $0 4.63%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 36 $10,690,000 $296,944 $5,084 5.09%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 2 $10,680,000 $5,340,000 $0 4.94%
POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) 47 $10,295,000 $219,043 $6,041 5.04%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 59 $10,155,000 $172,119 $4,845 4.98%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 50 $8,730,000 $174,600 $5,674 5.00%
MONTGOMERY, AL (FHA|USDA|VA) 1 $8,705,000 $8,705,000 $0 3.88%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 43 $8,525,000 $198,256 $5,867 4.62%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 22 $8,170,000 $371,364 $6,638 4.70%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 30 $7,960,000 $265,333 $5,208 5.20%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 31 $6,775,000 $218,548 $4,900 4.69%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 23 $6,575,000 $285,870 $8,484 5.02%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 18 $6,290,000 $349,444 $4,530 5.08%
JACKSONVILLE, FL (FHA|USDA|VA) 37 $6,145,000 $166,081 $4,192 5.14%
GAINESVILLE, GA (FHA|USDA|VA) 6 $5,880,000 $980,000 $0 4.63%
SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 19 $5,645,000 $297,105 $5,711 4.45%
SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 13 $5,595,000 $430,385 $4,944 5.29%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 20 $5,100,000 $255,000 $4,723 4.74%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 21 $4,695,000 $223,571 $3,704 4.68%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 16 $4,460,000 $278,750 $6,138 4.87%
Truckee-Grass Valley, CA (FHA|USDA|VA) 4 $4,420,000 $1,105,000 $5,762 4.97%
TRENTON-PRINCETON, NJ (FHA|USDA|VA) 13 $4,215,000 $324,231 $5,478 4.94%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 17 $4,065,000 $239,118 $4,525 4.94%
SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 13 $3,975,000 $305,769 $5,079 5.25%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 22 $3,840,000 $174,545 $5,599 4.81%
ASHEVILLE, NC (FHA|USDA|VA) 15 $3,765,000 $251,000 $4,835 4.59%
STOCKTON, CA (FHA|USDA|VA) 15 $3,585,000 $239,000 $10,673 5.45%
PORT ST. LUCIE, FL (FHA|USDA|VA) 28 $3,360,000 $120,000 $5,542 4.77%
RENO, NV (FHA|USDA|VA) 13 $3,165,000 $243,462 $7,029 5.29%
ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) 18 $3,090,000 $171,667 $6,221 4.34%
EAST STROUDSBURG, PA (FHA|USDA|VA) 15 $3,005,000 $200,333 $5,653 4.81%
SALISBURY, MD-DE (FHA|USDA|VA) 7 $2,795,000 $399,286 $5,682 5.21%
BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) 23 $2,555,000 $111,087 $4,020 4.92%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 19 $2,505,000 $131,842 $4,880 4.95%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 8 $2,480,000 $310,000 $7,214 5.17%
THE VILLAGES, FL (FHA|USDA|VA) 6 $2,440,000 $406,667 $5,338 5.58%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 14 $2,300,000 $164,286 $3,998 5.03%
TUCSON, AZ (FHA|USDA|VA) 14 $2,130,000 $152,143 $0 5.36%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 13 $2,025,000 $155,769 $5,591 4.91%
KINGSTON, NY (FHA|USDA|VA) 9 $1,925,000 $213,889 $6,095 3.51%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 18 $1,900,000 $105,556 $3,657 5.38%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 17 $1,855,000 $109,118 $3,833 5.18%
Torrington, CT (FHA|USDA|VA) 4 $1,830,000 $457,500 $5,616 4.59%
VALLEJO, CA (FHA|USDA|VA) 10 $1,820,000 $182,000 $0 5.78%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 12 $1,810,000 $150,833 $6,052 5.79%
WILMINGTON, NC (FHA|USDA|VA) 9 $1,715,000 $190,556 $4,510 5.19%
WORCESTER, MA-CT (FHA|USDA|VA) 7 $1,715,000 $245,000 $4,202 4.41%
NAPA, CA (FHA|USDA|VA) 9 $1,695,000 $188,333 $0 4.89%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 5 $1,665,000 $333,000 $3,183 5.20%
ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 4 $1,650,000 $412,500 $5,181 4.91%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 11 $1,595,000 $145,000 $4,864 5.16%
SYRACUSE, NY (FHA|USDA|VA) 9 $1,525,000 $169,444 $3,847 5.17%
Oneonta, NY (FHA|USDA|VA) 5 $1,495,000 $299,000 $5,216 4.00%
SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 11 $1,465,000 $133,182 $5,986 5.02%
Heber, UT (FHA|USDA|VA) 3 $1,455,000 $485,000 $4,771 4.71%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 7 $1,425,000 $203,571 $4,867 5.13%
NORWICH-NEW LONDON, CT (FHA|USDA|VA) 6 $1,380,000 $230,000 $4,098 4.96%
ROCHESTER, NY (FHA|USDA|VA) 11 $1,345,000 $122,273 $4,784 4.15%
PITTSBURGH, PA (FHA|USDA|VA) 7 $1,235,000 $176,429 $4,531 4.63%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 4 $1,190,000 $297,500 $5,389 5.41%
Edwards, CO (FHA|USDA|VA) 1 $1,115,000 $1,115,000 $5,353 4.13%
PUNTA GORDA, FL (FHA|USDA|VA) 9 $1,115,000 $123,889 $4,884 4.57%
COLORADO SPRINGS, CO (FHA|USDA|VA) 3 $1,075,000 $358,333 $4,481 4.88%
RICHMOND, VA (FHA|USDA|VA) 10 $1,070,000 $107,000 $5,164 5.99%
BOISE CITY, ID (FHA|USDA|VA) 5 $1,035,000 $207,000 $0 5.60%
HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 4 $1,030,000 $257,500 $5,960 5.88%
LANCASTER, PA (FHA|USDA|VA) 4 $970,000 $242,500 $9,210 5.13%
BAKERSFIELD, CA (FHA|USDA|VA) 9 $965,000 $107,222 $0 6.14%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 5 $945,000 $189,000 $6,001 4.53%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 5 $935,000 $187,000 $4,473 4.48%
KANSAS CITY, MO-KS (FHA|USDA|VA) 8 $920,000 $115,000 $3,789 4.73%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 9 $915,000 $101,667 $0 4.81%
BARNSTABLE TOWN, MA (FHA|USDA|VA) 3 $905,000 $301,667 $4,110 5.79%
BOULDER, CO (FHA|USDA|VA) 4 $880,000 $220,000 $3,607 4.72%
FRESNO, CA (FHA|USDA|VA) 10 $850,000 $85,000 $0 5.63%
Lebanon, NH-VT (FHA|USDA|VA) 3 $845,000 $281,667 $5,300 4.83%
SAVANNAH, GA (FHA|USDA|VA) 8 $840,000 $105,000 $0 5.69%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 3 $835,000 $278,333 $4,262 5.00%
KNOXVILLE, TN (FHA|USDA|VA) 3 $815,000 $271,667 $0 4.83%
VISALIA, CA (FHA|USDA|VA) 2 $800,000 $400,000 $5,063 5.00%
SPRINGFIELD, MA (FHA|USDA|VA) 5 $795,000 $159,000 $3,343 5.70%
MANCHESTER-NASHUA, NH (FHA|USDA|VA) 3 $785,000 $261,667 $3,555 3.71%
JACKSONVILLE, NC (FHA|USDA|VA) 1 $775,000 $775,000 $4,166 4.63%
KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 2 $760,000 $380,000 $3,622 5.38%
BEND, OR (FHA|USDA|VA) 2 $760,000 $380,000 $4,391 5.94%
SALT LAKE CITY, UT (FHA|USDA|VA) 3 $755,000 $251,667 $0 6.42%
FLAGSTAFF, AZ (FHA|USDA|VA) 2 $750,000 $375,000 $0 5.25%
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 5 $705,000 $141,000 $10,290 3.90%
HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 6 $680,000 $113,333 $4,998 4.54%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 3 $675,000 $225,000 $0 4.75%
ST. LOUIS, MO-IL (FHA|USDA|VA) 5 $675,000 $135,000 $4,599 5.00%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 3 $675,000 $225,000 $3,534 4.58%
Gardnerville Ranchos, NV (FHA|USDA|VA) 3 $675,000 $225,000 $4,416 4.17%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 2 $670,000 $335,000 $6,070 5.38%
ITHACA, NY (FHA|USDA|VA) 2 $670,000 $335,000 $4,627 4.88%
SALINAS, CA (FHA|USDA|VA) 7 $645,000 $92,143 $0 4.89%
Forest City, NC (FHA|USDA|VA) 3 $635,000 $211,667 $4,009 4.50%
Sebastian-Vero Beach, FL (FHA|USDA|VA) 4 $630,000 $157,500 $0 5.75%
COLUMBIA, SC (FHA|USDA|VA) 5 $625,000 $125,000 $4,180 6.63%
Jackson, WY-ID (FHA|USDA|VA) 2 $620,000 $310,000 $0 4.13%
Sonora, CA (FHA|USDA|VA) 2 $620,000 $310,000 $4,851 4.94%
OCALA, FL (FHA|USDA|VA) 8 $600,000 $75,000 $4,912 5.70%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 6 $590,000 $98,333 $3,694 3.88%
BINGHAMTON, NY (FHA|USDA|VA) 2 $580,000 $290,000 $6,373 4.19%
MEDFORD, OR (FHA|USDA|VA) 3 $575,000 $191,667 $5,196 4.29%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 2 $560,000 $280,000 $3,254 4.31%
LOUISVILLE, KY (FHA|USDA|VA) 6 $550,000 $91,667 $3,930 5.56%
MODESTO, CA (FHA|USDA|VA) 6 $540,000 $90,000 $0 6.00%
READING, PA (FHA|USDA|VA) 2 $530,000 $265,000 $6,559 5.56%
YAKIMA, WA (FHA|USDA|VA) 1 $525,000 $525,000 $4,260 5.38%
GETTYSBURG, PA (FHA|USDA|VA) 1 $515,000 $515,000 $6,732 5.75%
WINSTON-SALEM, NC (FHA|USDA|VA) 3 $515,000 $171,667 $4,528 4.29%
Ukiah, CA (FHA|USDA|VA) 1 $515,000 $515,000 $4,142 6.00%
MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) 2 $510,000 $255,000 $0 6.38%
Oak Harbor, WA (FHA|USDA|VA) 2 $510,000 $255,000 $10,952 5.19%
Milledgeville, GA (FHA|USDA|VA) 2 $500,000 $250,000 $4,208 6.50%
Ellensburg, WA (FHA|USDA|VA) 2 $500,000 $250,000 $4,243 5.56%
KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) 1 $495,000 $495,000 $0 3.25%
Georgetown, SC (FHA|USDA|VA) 1 $485,000 $485,000 $4,537 4.13%
Coos Bay, OR (FHA|USDA|VA) 1 $485,000 $485,000 $5,023 4.13%
Laconia, NH (FHA|USDA|VA) 1 $475,000 $475,000 $3,975 2.00%
ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 3 $475,000 $158,333 $0 6.67%
SPRINGFIELD, MO (FHA|USDA|VA) 2 $460,000 $230,000 $0 4.75%
AKRON, OH (FHA|USDA|VA) 3 $455,000 $151,667 $6,076 3.79%
EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 2 $450,000 $225,000 $3,975 5.44%
Shelbyville, TN (FHA|USDA|VA) 1 $445,000 $445,000 $4,365 5.50%
PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 4 $440,000 $110,000 $2,888 5.34%
GLENS FALLS, NY (FHA|USDA|VA) 3 $435,000 $145,000 $4,177 4.38%
Astoria, OR (FHA|USDA|VA) 2 $430,000 $215,000 $0 3.63%
ALBUQUERQUE, NM (FHA|USDA|VA) 4 $400,000 $100,000 $0 5.56%
NILES, MI (FHA|USDA|VA) 1 $385,000 $385,000 $3,965 6.13%
RACINE, WI (FHA|USDA|VA) 1 $375,000 $375,000 $3,709 4.88%
Jefferson, GA (FHA|USDA|VA) 5 $375,000 $75,000 $0 6.35%
MACON-BIBB COUNTY, GA (FHA|USDA|VA) 3 $375,000 $125,000 $6,380 4.08%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 4 $350,000 $87,500 $4,283 6.16%
Gloversville, NY (FHA|USDA|VA) 2 $350,000 $175,000 $3,953 6.00%
Morehead City, NC (FHA|USDA|VA) 1 $345,000 $345,000 $5,610 2.88%
LYNCHBURG, VA (FHA|USDA|VA) 3 $335,000 $111,667 $0 4.42%
Key West, FL (FHA|USDA|VA) 1 $335,000 $335,000 $4,771 2.13%
LANSING-EAST LANSING, MI (FHA|USDA|VA) 2 $330,000 $165,000 $7,625 4.81%
Juneau, AK (FHA|USDA|VA) 1 $315,000 $315,000 $4,484 5.13%
Nogales, AZ (FHA|USDA|VA) 1 $305,000 $305,000 $0 3.25%
DAYTON-KETTERING, OH (FHA|USDA|VA) 3 $305,000 $101,667 $4,125 4.33%
St. Marys, GA (FHA|USDA|VA) 1 $305,000 $305,000 $4,376 3.88%
MADERA, CA (FHA|USDA|VA) 2 $300,000 $150,000 $4,133 7.00%
LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 1 $295,000 $295,000 $5,624 4.25%
BELLINGHAM, WA (FHA|USDA|VA) 2 $290,000 $145,000 $0 7.38%
Payson, AZ (FHA|USDA|VA) 1 $285,000 $285,000 $6,510 4.00%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 1 $275,000 $275,000 $0 3.75%
Rutland, VT (FHA|USDA|VA) 1 $275,000 $275,000 $5,460 4.88%
Calhoun, GA (FHA|USDA|VA) 3 $275,000 $91,667 $0 5.58%
SIOUX FALLS, SD (FHA|USDA|VA) 2 $270,000 $135,000 $0 4.63%
Washington, NC (FHA|USDA|VA) 1 $265,000 $265,000 $0 8.75%
DOVER, DE (FHA|USDA|VA) 1 $265,000 $265,000 $3,779 3.88%
Port Angeles, WA (FHA|USDA|VA) 2 $260,000 $130,000 $0 4.38%
Augusta-Waterville, ME (FHA|USDA|VA) 2 $260,000 $130,000 $3,623 5.13%
Bennington, VT (FHA|USDA|VA) 1 $255,000 $255,000 $3,640 3.75%
Athens, TN (FHA|USDA|VA) 1 $255,000 $255,000 $3,719 4.50%
Corning, NY (FHA|USDA|VA) 2 $250,000 $125,000 $3,469 3.06%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 3 $245,000 $81,667 $2,690 3.79%
Kalispell, MT (FHA|USDA|VA) 2 $240,000 $120,000 $0 4.50%
JOHNSON CITY, TN (FHA|USDA|VA) 1 $235,000 $235,000 $0 3.50%
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 2 $230,000 $115,000 $3,078 4.19%
OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 2 $230,000 $115,000 $0 4.13%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 2 $220,000 $110,000 $9,793 7.19%
COLUMBUS, OH (FHA|USDA|VA) 2 $220,000 $110,000 $0 5.75%
CLEVELAND, TN (FHA|USDA|VA) 1 $215,000 $215,000 $4,269 5.13%
PANAMA CITY, FL (FHA|USDA|VA) 1 $215,000 $215,000 $0 7.75%
Wilson, NC (FHA|USDA|VA) 1 $205,000 $205,000 $3,145 2.38%
Silver City, NM (FHA|USDA|VA) 1 $205,000 $205,000 $0 3.50%
STAUNTON, VA (FHA|USDA|VA) 1 $205,000 $205,000 $0 5.75%
SAGINAW, MI (FHA|USDA|VA) 1 $205,000 $205,000 $0 4.25%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 3 $205,000 $68,333 $0 4.92%
Sturgis, MI (FHA|USDA|VA) 1 $195,000 $195,000 $3,307 4.38%
GULFPORT-BILOXI, MS (FHA|USDA|VA) 1 $175,000 $175,000 $6,252 5.75%
GAINESVILLE, FL (FHA|USDA|VA) 1 $175,000 $175,000 $8,396 3.50%
SANTA FE, NM (FHA|USDA|VA) 2 $170,000 $85,000 $0 3.88%
Montrose, CO (FHA|USDA|VA) 3 $165,000 $55,000 $0 6.00%
Pinehurst-Southern Pines, NC (FHA|USDA|VA) 2 $160,000 $80,000 $0 7.13%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 2 $160,000 $80,000 $4,687 4.50%
Eureka-Arcata, CA (FHA|USDA|VA) 1 $155,000 $155,000 $0 8.25%
Palatka, FL (FHA|USDA|VA) 1 $155,000 $155,000 $3,691 3.88%
Crossville, TN (FHA|USDA|VA) 1 $155,000 $155,000 $0 7.75%
SPARTANBURG, SC (FHA|USDA|VA) 1 $155,000 $155,000 $0 5.50%
MADISON, WI (FHA|USDA|VA) 1 $155,000 $155,000 $3,110 3.25%
Marquette, MI (FHA|USDA|VA) 1 $145,000 $145,000 $6,172 5.38%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 2 $140,000 $70,000 $0 6.75%
Kill Devil Hills, NC (FHA|USDA|VA) 2 $140,000 $70,000 $0 5.63%
Danville, VA (FHA|USDA|VA) 1 $135,000 $135,000 $6,215 5.75%
Fort Leonard Wood, MO (FHA|USDA|VA) 1 $135,000 $135,000 $6,091 5.63%
Arkadelphia, AR (FHA|USDA|VA) 1 $135,000 $135,000 $0 4.00%
CANTON-MASSILLON, OH (FHA|USDA|VA) 1 $125,000 $125,000 $0 7.25%
Hermiston-Pendleton, OR (FHA|USDA|VA) 1 $125,000 $125,000 $0 3.50%
EAU CLAIRE, WI (FHA|USDA|VA) 1 $125,000 $125,000 $7,238 5.25%
BATON ROUGE, LA (FHA|USDA|VA) 2 $120,000 $60,000 $0 7.00%
ST. GEORGE, UT (FHA|USDA|VA) 2 $120,000 $60,000 $0 3.75%
Traverse City, MI (FHA|USDA|VA) 1 $115,000 $115,000 $4,444 2.50%
ELMIRA, NY (FHA|USDA|VA) 1 $115,000 $115,000 $6,235 3.38%
Talladega-Sylacauga, AL (FHA|USDA|VA) 1 $115,000 $115,000 $0 6.50%
Brevard, NC (FHA|USDA|VA) 1 $105,000 $105,000 $3,418 3.50%
HUNTSVILLE, AL (FHA|USDA|VA) 1 $105,000 $105,000 $3,888 4.63%
PROVO-OREM, UT (FHA|USDA|VA) 1 $105,000 $105,000 $0 5.25%
Lock Haven, PA (FHA|USDA|VA) 1 $105,000 $105,000 $0 6.25%
HANFORD-CORCORAN, CA (FHA|USDA|VA) 1 $105,000 $105,000 $0 5.25%
STATE COLLEGE, PA (FHA|USDA|VA) 1 $105,000 $105,000 $0 6.25%
MISSOULA, MT (FHA|USDA|VA) 2 $100,000 $50,000 $0 5.50%
Richmond-Berea, KY (FHA|USDA|VA) 2 $100,000 $50,000 $0 5.50%
BILLINGS, MT (FHA|USDA|VA) 1 $95,000 $95,000 $0 5.75%
BATTLE CREEK, MI (FHA|USDA|VA) 1 $85,000 $85,000 $5,573 4.75%
UTICA-ROME, NY (FHA|USDA|VA) 1 $85,000 $85,000 $5,832 4.00%
Auburn, NY (FHA|USDA|VA) 1 $85,000 $85,000 $6,002 6.00%
Hilo, HI (FHA|USDA|VA) 1 $85,000 $85,000 $0 3.75%
Cortland, NY (FHA|USDA|VA) 1 $85,000 $85,000 $2,607 3.75%
Cornelia, GA (FHA|USDA|VA) 1 $85,000 $85,000 $0 7.50%
REDDING, CA (FHA|USDA|VA) 1 $85,000 $85,000 $0 7.25%
CHICO, CA (FHA|USDA|VA) 1 $85,000 $85,000 $0 3.75%
ANCHORAGE, AK (FHA|USDA|VA) 1 $85,000 $85,000 $0 5.75%
CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) 1 $85,000 $85,000 $0 7.25%
MERCED, CA (FHA|USDA|VA) 1 $75,000 $75,000 $0 4.75%
BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) 1 $75,000 $75,000 $0 7.00%
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 1 $75,000 $75,000 $0 3.50%
Bradford, PA (FHA|USDA|VA) 1 $75,000 $75,000 $0 5.00%
TALLAHASSEE, FL (FHA|USDA|VA) 1 $75,000 $75,000 $4,431 5.00%
LAS CRUCES, NM (FHA|USDA|VA) 1 $75,000 $75,000 $0 4.25%
HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 2 $70,000 $35,000 $0 5.63%
ALBANY, GA (FHA|USDA|VA) 1 $65,000 $65,000 $0 3.25%
Great Bend, KS (FHA|USDA|VA) 1 $65,000 $65,000 $0 3.50%
Jasper, IN (FHA|USDA|VA) 1 $65,000 $65,000 $0 4.50%
BRUNSWICK, GA (FHA|USDA|VA) 1 $55,000 $55,000 $0 3.50%
DUBUQUE, IA (FHA|USDA|VA) 1 $55,000 $55,000 $0 6.00%
CARSON CITY, NV (FHA|USDA|VA) 1 $55,000 $55,000 $0 5.00%
SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) 1 $55,000 $55,000 $0 8.25%
SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 1 $55,000 $55,000 $0 5.00%
BLOOMINGTON, IN (FHA|USDA|VA) 1 $55,000 $55,000 $0 4.75%
HOT SPRINGS, AR (FHA|USDA|VA) 1 $55,000 $55,000 $0 7.25%
Shelton, WA (FHA|USDA|VA) 1 $55,000 $55,000 $0 3.50%
YUMA, AZ (FHA|USDA|VA) 1 $55,000 $55,000 $0 3.75%
DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 1 $55,000 $55,000 $0 4.25%
FLINT, MI (FHA|USDA|VA) 1 $45,000 $45,000 $3,130 3.63%
FORT WAYNE, IN (FHA|USDA|VA) 1 $45,000 $45,000 $0 7.00%
LEWISTON-AUBURN, ME (FHA|USDA|VA) 1 $45,000 $45,000 $0 4.75%
SEBRING-AVON PARK, FL (FHA|USDA|VA) 1 $45,000 $45,000 $0 4.75%
Pottsville, PA (FHA|USDA|VA) 1 $45,000 $45,000 $2,958 4.13%
SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 1 $45,000 $45,000 $0 3.50%
DuBois, PA (FHA|USDA|VA) 1 $45,000 $45,000 $0 4.00%
BURLINGTON, NC (FHA|USDA|VA) 1 $35,000 $35,000 $0 7.00%
ALBANY-LEBANON, OR (FHA|USDA|VA) 1 $35,000 $35,000 $0 7.75%
FARMINGTON, NM (FHA|USDA|VA) 1 $35,000 $35,000 $0 5.50%
Minot, ND (FHA|USDA|VA) 1 $35,000 $35,000 $0 7.25%
Moscow, ID (FHA|USDA|VA) 1 $25,000 $25,000 $0 4.25%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 1 $25,000 $25,000 $0 4.25%
Dayton, TN (FHA|USDA|VA) 1 $25,000 $25,000 $0 3.75%
Dyersburg, TN (FHA|USDA|VA) 1 $25,000 $25,000 $0 5.25%
LINCOLN, NE (FHA|USDA|VA) 1 $25,000 $25,000 $0 3.50%
LONGVIEW, WA (FHA|USDA|VA) 1 $15,000 $15,000 $0 6.00%
PEORIA, IL (FHA|USDA|VA) 1 $15,000 $15,000 $0 5.50%
Bethpage Federal Credit Union's top markets include New York, Los Angeles, San Francisco, Atlanta, and Miami among others.

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

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    HELOC 7,557 $1,243,595,000 $164,562 n/a 5.12%
    Conventional 2,795 $1,808,115,000 $646,911 $5,904 4.15%
    FHA 49 $17,435,000 $355,816 $4,464 4.54%
    VA 1 $505,000 $505,000 $9,161 5.88%

    For 2022, Bethpage Federal Credit Union's most frequently originated type of loan was HELOC, with 7,557 originations. Their 2nd most popular type was Conventional, with 2,795 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Improvement 4,474 $667,110,000 $149,108 $6,865 5.05%
    Cash Out Refi 2,017 $647,145,000 $320,845 $5,712 4.44%
    Home Purchase 1,830 $974,330,000 $532,421 $6,098 4.66%
    Other 1,540 $221,900,000 $144,091 $0 5.39%
    Refi 541 $559,165,000 $1,033,577 $5,126 3.97%

    For 2022, Bethpage Federal Credit Union's most frequently cited loan purpose was Home Improvement, with 4,474 originations. The 2nd most popular reason was Cash Out Refi, with 2,017 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    20 Year 7,629 $1,266,535,000 $166,016 $5,106 5.10%
    30 Year 2,445 $1,301,415,000 $532,276 $6,083 4.32%
    10 Year 172 $458,970,000 $2,668,430 $4,086 3.15%
    15 Year 155 $42,575,000 $274,677 $4,691 3.06%
    Other 1 $155,000 $155,000 $0 6.25%

    For 2022, Bethpage Federal Credit Union's most frequently cited loan duration was 20 Year, with 7,629 originations. The 2nd most popular length was 30 Year, with 2,445 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 1,752 $989,980,000 $565,057
    $1k-2k 380 $111,820,000 $294,263
    $2k-3k 251 $95,445,000 $380,259
    $5k+ 215 $116,925,000 $543,837
    $3k-4k 132 $53,080,000 $402,121
    $4k-5k 86 $35,360,000 $411,163

    Bethpage Federal Credit Union's average total fees were $6,083, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 1,752 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 3,305 $926,285,000 $280,268
    4-5% 2,469 $981,335,000 $397,463
    5-6% 2,037 $534,915,000 $262,599
    6-7% 1,162 $222,940,000 $191,859
    7-8% 650 $100,320,000 $154,338
    2.5-3% 327 $169,395,000 $518,028
    <2.5% 234 $106,690,000 $455,940
    Over 8% 218 $27,770,000 $127,385

    During 2022, Bethpage Federal Credit Union's average interest rate for loans was 4.32%, while their most frequently originated rate bucket for loans was 3-4%, with 3,305 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 2,867 $169,825,000 $59,234 $3,968 5.24%
    $100k-200k 2,867 $383,495,000 $133,762 $4,131 5.01%
    $200k-400k 2,463 $683,495,000 $277,505 $5,038 4.60%
    $400k-600k 1,483 $717,275,000 $483,665 $6,465 4.54%
    $600k-1MM 473 $355,695,000 $751,998 $6,738 4.25%
    $1MM+ 249 $759,865,000 $3,051,667 $8,833 4.14%

    2022 saw Bethpage Federal Credit Union place emphasis on $100,000 or less loans with 2,867 originations, totaling $169,825,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $150k-250k 3,339 $839,205,000 $251,334 $6,255 4.92%
    $100k-150k 2,687 $540,285,000 $201,074 $5,512 4.87%
    $250k+ 2,210 $971,850,000 $439,751 $6,634 4.78%
    $75k-100k 1,136 $176,200,000 $155,106 $5,060 4.84%
    $50k-75k 710 $90,370,000 $127,282 $4,538 4.79%
    $50k or less 289 $27,915,000 $96,592 $3,798 4.73%

    Bethpage Federal Credit Union lent most frequently to those with incomes in the $150k-250k range, with 3,339 originations. The second most popular income band? $100k-150k, with 2,687 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 2,170 $540,800,000 $249,217 $5,589 4.72%
    30-36% 1,681 $431,905,000 $256,933 $5,829 4.77%
    50-60% 1,501 $276,395,000 $184,141 $7,547 5.32%
    <20% 895 $236,305,000 $264,028 $5,101 4.44%
    42% 321 $88,275,000 $275,000 $6,036 4.90%
    39% 317 $99,135,000 $312,729 $6,086 4.79%
    44% 310 $90,340,000 $291,419 $6,052 4.84%
    38% 301 $82,535,000 $274,203 $5,905 4.93%
    40% 300 $74,800,000 $249,333 $5,805 4.87%
    45% 295 $85,285,000 $289,102 $6,155 4.89%
    36% 295 $75,735,000 $256,729 $5,637 4.90%
    37% 290 $77,580,000 $267,517 $5,901 4.91%
    43% 288 $83,290,000 $289,201 $6,140 4.83%
    41% 278 $85,190,000 $306,439 $6,952 4.84%
    49% 268 $77,090,000 $287,649 $5,639 4.78%
    46% 267 $77,915,000 $291,816 $6,367 4.96%
    48% 267 $67,095,000 $251,292 $5,953 4.97%
    47% 266 $76,180,000 $286,391 $6,938 4.96%
    >60% 63 $20,355,000 $323,095 $4,641 4.90%

    Bethpage Federal Credit Union lent most frequently to those with DTI ratios of 20-30%, with 2,170 originations. The next most common DTI ratio? 30-36%, with 1,681 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 6,370 $1,471,720,000 $231,039 $5,735 4.91%
    Not provided 2,642 $775,650,000 $293,584 $6,024 4.64%
    Not applicable 29 $423,445,000 $14,601,552 $0 4.71%
    Asian 845 $280,785,000 $332,290 $5,917 4.81%
    Black 420 $73,840,000 $175,810 $6,028 5.39%
    Asian Indian 27 $24,295,000 $899,815 $5,822 4.86%
    American Indian 33 $5,305,000 $160,758 $2,938 5.28%
    Native Hawaiian or Islander 18 $4,010,000 $222,778 $5,927 5.26%
    Chinese 5 $2,785,000 $557,000 $4,342 4.55%
    Other Asian 5 $2,765,000 $553,000 $6,184 3.88%
    Korean 3 $2,385,000 $795,000 $6,469 4.79%
    Filipino 4 $1,670,000 $417,500 $5,689 5.50%
    Vietnamese 1 $995,000 $995,000 $5,411 5.38%

    Approval Rates

    Total approvals of all applications
    63.44%

    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
    75.01%

    Bethpage Federal Credit Union has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    0.0 81 $12,985,000 $160,309
    NA 10,321 $3,056,665,000 $296,160

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    10,402 $3,069,650,000 $295,102

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 2,434 $598,010,000 $245,690 $4,345 4.87%
    40-60% 1,055 $548,535,000 $519,938 $5,375 4.23%
    60-80% 1,463 $1,101,875,000 $753,161 $6,363 4.39%
    80-100% 643 $313,285,000 $487,224 $6,221 4.60%
    Under 20% 4,807 $507,945,000 $105,668 $4,382 5.16%