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 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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| Home Equity Line of Credit (HELOC) | 6.28% | 11/21/24 |
| 30 Year Conventional Purchase | 6.33% | 11/21/24 |
| 30 Year Conventional Refi | 6.23% | 11/21/24 |
| 30 Year Cash-out Refi | 6.33% | 11/21/24 |
| 30 Year FHA Purchase | 7.26% | 11/21/24 |
| 30 Year FHA Refi | 7.63% | 11/21/24 |
| 30 Year VA Purchase | 6.36% | 11/21/24 |
| 15 Year Conventional Purchase | 5.65% | 11/21/24 |
| 15 Year Conventional Refi | 5.97% | 11/21/24 |
| 15 Year Cash-out Refi | 5.97% | 11/21/24 |
| 15 Year FHA Purchase | 5.68% | 11/21/24 |
| 15 Year FHA Refi | 5.68% | 11/21/24 |
| 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™
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
10,402Origination Dollar Volume (All Markets)
$3,069,650,000Awards
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Bethpage Federal Credit Union - 2022
Bethpage Federal Credit Union is a 2022 , due to their low .
For 2022, 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) | 6,760 | $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% |
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Product Mix
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
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
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
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
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
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
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
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
Approval Rates
Total approvals of all applications63.44%
Bethpage Federal Credit Union has a low approval rate. They may have poor market targeting or stringent lending standards.
Pick Rate
Approvals leading to origination75.01%
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 |