Bethpage Federal Credit Union Mortgage Rates, Fees & Info
Bethpage, NYLEI: 549300KTR1JGH3K6LU06
Tax ID: 11-1525965
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Mortgage Data
Review & Overview
Bethpage Federal Credit Union is a small credit union specializing in 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, Bridgeport, Miami, Los Angeles, and Washington among others. We have data for 117 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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| Home Equity Line of Credit (HELOC) | 6.28% | 4/21/24 |
| 30 Year Conventional Purchase | 6.33% | 4/21/24 |
| 30 Year Conventional Refi | 6.23% | 4/21/24 |
| 30 Year Cash-out Refi | 6.33% | 4/21/24 |
| 30 Year FHA Purchase | 7.26% | 4/21/24 |
| 30 Year FHA Refi | 7.63% | 4/21/24 |
| 30 Year VA Purchase | 6.36% | 4/21/24 |
| 15 Year Conventional Purchase | 5.65% | 4/21/24 |
| 15 Year Conventional Refi | 5.97% | 4/21/24 |
| 15 Year Cash-out Refi | 5.97% | 4/21/24 |
| 15 Year FHA Purchase | 5.68% | 4/21/24 |
| 15 Year FHA Refi | 5.68% | 4/21/24 |
| 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
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This is not an official calculator from Bethpage Federal Credit Union. It uses our SimulatedRate™
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
7,304Origination Dollar Volume (All Markets)
$1,624,790,000Awards
Bethpage Federal Credit Union - 2018
Bethpage Federal Credit Union is a 2018 , due to their low .
For 2018, less than of lenders were eligible for this award.
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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) | 6,743 | $1,511,155,000 | $224,107 | $5,598 | 4.95% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 39 | $18,555,000 | $475,769 | $6,939 | 4.96% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 58 | $12,450,000 | $214,655 | $5,087 | 4.67% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 21 | $11,175,000 | $532,143 | $8,672 | 4.95% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 23 | $5,015,000 | $218,043 | $4,637 | 4.76% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 11 | $4,455,000 | $405,000 | $6,683 | 4.86% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 18 | $3,730,000 | $207,222 | $5,802 | 4.66% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 31 | $3,575,000 | $115,323 | $3,732 | 5.09% |
| POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) | 21 | $3,325,000 | $158,333 | $4,008 | 5.23% |
| Outside of Metro Areas | 17 | $3,215,000 | $189,118 | $4,890 | 4.48% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 21 | $2,895,000 | $137,857 | $4,209 | 4.79% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 20 | $2,830,000 | $141,500 | $5,312 | 4.81% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 16 | $2,310,000 | $144,375 | $3,857 | 4.77% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 17 | $2,245,000 | $132,059 | $4,965 | 5.20% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 3 | $1,835,000 | $611,667 | $5,351 | 4.04% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 17 | $1,635,000 | $96,176 | $4,878 | 4.96% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 10 | $1,580,000 | $158,000 | $4,186 | 4.95% |
| ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) | 6 | $1,210,000 | $201,667 | $4,116 | 4.54% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 10 | $1,180,000 | $118,000 | $4,819 | 5.19% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 3 | $1,105,000 | $368,333 | $8,107 | 4.63% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 5 | $1,095,000 | $219,000 | $5,410 | 4.45% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 6 | $1,060,000 | $176,667 | $4,683 | 5.38% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 4 | $1,040,000 | $260,000 | $0 | 5.13% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 9 | $995,000 | $110,556 | $5,386 | 5.08% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 4 | $960,000 | $240,000 | $3,146 | 5.06% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 6 | $910,000 | $151,667 | $4,410 | 4.31% |
| RICHMOND, VA (FHA|USDA|VA) | 4 | $770,000 | $192,500 | $6,339 | 4.88% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 3 | $755,000 | $251,667 | $4,861 | 4.58% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 2 | $740,000 | $370,000 | $0 | 5.38% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 5 | $735,000 | $147,000 | $4,738 | 4.58% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 3 | $725,000 | $241,667 | $3,181 | 4.25% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 4 | $680,000 | $170,000 | $3,670 | 4.91% |
| OCALA, FL (FHA|USDA|VA) | 4 | $680,000 | $170,000 | $5,234 | 4.50% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 4 | $640,000 | $160,000 | $5,499 | 5.06% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 3 | $575,000 | $191,667 | $4,005 | 4.08% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 4 | $560,000 | $140,000 | $9,498 | 5.00% |
| PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $4,107 | 5.13% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 7 | $485,000 | $69,286 | $0 | 5.23% |
| Gloversville, NY (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $6,588 | 5.00% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $7,935 | 4.38% |
| EAST STROUDSBURG, PA (FHA|USDA|VA) | 3 | $435,000 | $145,000 | $4,680 | 4.38% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $0 | 5.00% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 4 | $380,000 | $95,000 | $4,033 | 4.91% |
| BARNSTABLE TOWN, MA (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $3,219 | 4.13% |
| Juneau, AK (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $4,649 | 4.00% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $4,390 | 4.56% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $0 | 4.88% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $5,081 | 4.38% |
| KINGSTON, NY (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $9,165 | 5.75% |
| BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) | 5 | $335,000 | $67,000 | $4,226 | 5.10% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $4,556 | 4.38% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 3 | $325,000 | $108,333 | $0 | 4.46% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 3 | $325,000 | $108,333 | $4,066 | 5.04% |
| SPRINGFIELD, MA (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $3,126 | 5.13% |
| WILMINGTON, NC (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $0 | 5.00% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $0 | 5.38% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $7,024 | 4.63% |
| Brevard, NC (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $4,171 | 3.75% |
| ROCHESTER, NY (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $3,512 | 4.31% |
| LEBANON, PA (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $9,027 | 3.88% |
| GLENS FALLS, NY (FHA|USDA|VA) | 3 | $275,000 | $91,667 | $4,176 | 3.96% |
| UTICA-ROME, NY (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $5,143 | 4.75% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $3,314 | 4.38% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $3,841 | 4.25% |
| Tahlequah, OK (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $0 | 6.50% |
| YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $0 | 5.25% |
| SALINAS, CA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $0 | 5.25% |
| DOVER, DE (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $5,105 | 4.88% |
| RENO, NV (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $2,156 | 5.13% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $0 | 5.00% |
| NORWICH-NEW LONDON, CT (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $3,122 | 4.75% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 2 | $210,000 | $105,000 | $3,774 | 4.38% |
| ASHEVILLE, NC (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $4,711 | 4.50% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 4.75% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 2 | $200,000 | $100,000 | $2,728 | 5.19% |
| NEW BERN, NC (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $5,446 | 4.13% |
| SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) | 5 | $185,000 | $37,000 | $0 | 5.38% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,332 | 4.25% |
| Hudson, NY (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $4,028 | 4.50% |
| SAVANNAH, GA (FHA|USDA|VA) | 2 | $160,000 | $80,000 | $0 | 5.25% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 2 | $160,000 | $80,000 | $3,809 | 3.81% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 3 | $155,000 | $51,667 | $3,728 | 4.79% |
| KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 5.00% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 4.75% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 5.00% |
| JACKSONVILLE, NC (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $4,279 | 4.88% |
| COLUMBUS, OH (FHA|USDA|VA) | 2 | $140,000 | $70,000 | $3,188 | 4.81% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 3 | $135,000 | $45,000 | $0 | 5.17% |
| SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,904 | 4.50% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $4,186 | 4.38% |
| Pinehurst-Southern Pines, NC (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $3,489 | 3.88% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 2 | $110,000 | $55,000 | $0 | 4.75% |
| LAKE CHARLES, LA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 4.75% |
| ANN ARBOR, MI (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 6.25% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 6.50% |
| ROCKY MOUNT, NC (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $4,334 | 4.38% |
| Milledgeville, GA (FHA|USDA|VA) | 3 | $95,000 | $31,667 | $0 | 4.83% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $7,282 | 4.63% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 2 | $90,000 | $45,000 | $5,837 | 4.38% |
| FAIRBANKS, AK (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $4,416 | 4.88% |
| NAPA, CA (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 5.25% |
| Traverse City, MI (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 5.00% |
| PITTSBURGH, PA (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 6.25% |
| MONROE, MI (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 4.25% |
| SYRACUSE, NY (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $2,490 | 4.38% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 5.00% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 6.00% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 4.75% |
| BRUNSWICK, GA (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 5.00% |
| BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 5.75% |
| STAUNTON, VA (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 5.00% |
| Key West, FL (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 6.25% |
| MANCHESTER-NASHUA, NH (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $0 | 4.75% |
| Durango, CO (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $0 | 5.50% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $0 | 5.75% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $0 | 4.50% |
| Amsterdam, NY (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $0 | 5.75% |
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Product Mix
For 2018, Bethpage Federal Credit Union's most frequently originated type of loan was HELOC, with 4,129 originations. Their 2nd most popular type was Conventional, with 3,065 originations.
Loan Reason
For 2018, Bethpage Federal Credit Union's most frequently cited loan purpose was Home Improvement, with 2,149 originations. The 2nd most popular reason was Cash Out Refi, with 2,034 originations.
Loan Duration/Length
For 2018, Bethpage Federal Credit Union's most frequently cited loan duration was 20 Year, with 4,264 originations. The 2nd most popular length was 30 Year, with 2,307 originations.
Origination Fees/Closing Costs
Bethpage Federal Credit Union's average total fees were $5,797, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 1,669 originations.
Interest Rates
During 2018, Bethpage Federal Credit Union's average interest rate for loans was 4.45%, while their most frequently originated rate bucket for loans was 4-5%, with 4,131 originations.
Loan Sizing
2018 saw Bethpage Federal Credit Union place emphasis on $100,000 or less loans with 2,334 originations, totaling $131,150,000 in origination value.
Applicant Income
Bethpage Federal Credit Union lent most frequently to those with incomes in the $100k-150k range, with 2,268 originations. The second most popular income band? $150k-250k, with 2,119 originations.
Applicant Debt to Income Ratio
Bethpage Federal Credit Union lent most frequently to those with DTI ratios of 20-30%, with 1,402 originations. The next most common DTI ratio? 30-36%, with 1,310 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications64.45%
Bethpage Federal Credit Union has a low approval rate. They may have poor market targeting or stringent lending standards.
Pick Rate
Approvals leading to origination77.26%
Bethpage Federal Credit Union has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| 0.0 | 11 | $1,225,000 | $111,364 |
| NA | 7,293 | $1,623,565,000 | $222,620 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Site-Built | 7,304 | $1,624,790,000 | $222,452 |