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 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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| Home Equity Line of Credit (HELOC) | 6.28% | 4/14/24 |
| 30 Year Conventional Purchase | 6.33% | 4/14/24 |
| 30 Year Conventional Refi | 6.23% | 4/14/24 |
| 30 Year Cash-out Refi | 6.33% | 4/14/24 |
| 30 Year FHA Purchase | 7.26% | 4/14/24 |
| 30 Year FHA Refi | 7.63% | 4/14/24 |
| 30 Year VA Purchase | 6.36% | 4/14/24 |
| 15 Year Conventional Purchase | 5.65% | 4/14/24 |
| 15 Year Conventional Refi | 5.97% | 4/14/24 |
| 15 Year Cash-out Refi | 5.97% | 4/14/24 |
| 15 Year FHA Purchase | 5.68% | 4/14/24 |
| 15 Year FHA Refi | 5.68% | 4/14/24 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
Bethpage Federal Credit Union Mortgage Calculator
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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
10,797Origination Dollar Volume (All Markets)
$3,044,035,000Awards
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Bethpage Federal Credit Union - 2021
Bethpage Federal Credit Union is a 2021 , due to their low .
For 2021, 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) | 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, KY (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% |
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Product Mix
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
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
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
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
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
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
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
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
Approval Rates
Total approvals of all applications67.13%
Bethpage Federal Credit Union has a low approval rate. They may have poor market targeting or stringent lending standards.
Pick Rate
Approvals leading to origination71.17%
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 |