Bethpage Federal Credit Union Mortgage Rates, Fees & Info
Bethpage, NYLEI: 549300KTR1JGH3K6LU06
Tax ID: 11-1525965
5 stars - Updated: 4/20/24
-
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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| Home Equity Line of Credit (HELOC) | 6.28% | 4/20/24 |
| 30 Year Conventional Purchase | 6.33% | 4/20/24 |
| 30 Year Conventional Refi | 6.23% | 4/20/24 |
| 30 Year Cash-out Refi | 6.33% | 4/20/24 |
| 30 Year FHA Purchase | 7.26% | 4/20/24 |
| 30 Year FHA Refi | 7.63% | 4/20/24 |
| 30 Year VA Purchase | 6.36% | 4/20/24 |
| 15 Year Conventional Purchase | 5.65% | 4/20/24 |
| 15 Year Conventional Refi | 5.97% | 4/20/24 |
| 15 Year Cash-out Refi | 5.97% | 4/20/24 |
| 15 Year FHA Purchase | 5.68% | 4/20/24 |
| 15 Year FHA Refi | 5.68% | 4/20/24 |
| 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
7,283Origination Dollar Volume (All Markets)
$1,823,885,000Awards
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Bethpage Federal Credit Union - 2023
Bethpage Federal Credit Union is a 2023 , due to their low .
For 2023, less than of lenders were eligible for this award.
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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% |
| Española, 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% |
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Product Mix
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
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
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
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
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
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
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
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
Approval Rates
Total approvals of all applications52.94%
Bethpage Federal Credit Union has a low approval rate. They may have poor market targeting or stringent lending standards.
Pick Rate
Approvals leading to origination68.54%
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 |