Bethpage Federal Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2006
Bethpage Federal Credit Union 2006 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Bethpage Federal Credit Union 899 South Oyster Bay Road Bethpage, NY 11714 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 1,757 |
| Total Mortgage Loan Application Amount | $292,295,000 |
| Average Mortgage Loan Application Amount | $198,333 |
| Highest Mortgage Loan Application Amount | $1,400,000 |
| Average Applicant Income | $95,666 |
| Highest Applicant Income | $1,200,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2006 with Bethpage Federal Credit Union. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Bethpage Federal Credit Union's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2006 breaks down Bethpage Federal Credit Union's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Bethpage Federal Credit Union serves its applicants.
Each category highlights the total number of mortgage applications processed by Bethpage Federal Credit Union, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Bethpage Federal Credit Union's mortgage activity for 2006.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Suffolk County New York | 927 | $ 160,276,000 | $ 172,000 | $ 94,000 |
| Nassau County New York | 558 | $ 91,133,000 | $ 163,000 | $ 87,000 |
| Queens County New York | 34 | $ 3,889,000 | $ 114,000 | $ 64,000 |
| St. Lucie County Florida | 13 | $ 1,535,000 | $ 118,000 | $ 103,000 |
| Brevard County Florida | 9 | $ 1,350,000 | $ 150,000 | $ 83,000 |
| Palm Beach County Florida | 6 | $ 1,135,000 | $ 189,000 | $ 84,000 |
| Broward County Florida | 5 | $ 1,021,000 | $ 204,000 | $ 62,000 |
| Miami-Dade County Florida | 5 | $ 809,000 | $ 161,000 | $ 116,000 |
| Fairfax County Virginia | 5 | $ 1,352,000 | $ 270,000 | $ 121,000 |
| Martin County Florida | 4 | $ 785,000 | $ 196,000 | $ 70,000 |
| St. Johns County Florida | 4 | $ 381,000 | $ 95,000 | $ 60,000 |
| Middlesex County New Jersey | 4 | $ 625,000 | $ 156,000 | $ 83,000 |
| Rockland County New York | 4 | $ 767,000 | $ 191,000 | $ 92,000 |
| Westchester County New York | 4 | $ 446,000 | $ 111,000 | $ 86,000 |
| Loudoun County Virginia | 4 | $ 398,000 | $ 99,000 | $ 79,000 |
| Los Angeles County California | 3 | $ 633,000 | $ 211,000 | $ 133,000 |
| Fairfield County Connecticut | 3 | $ 396,000 | $ 132,000 | $ 69,000 |
| Collier County Florida | 3 | $ 936,000 | $ 312,000 | $ 169,000 |
| Lee County Florida | 3 | $ 675,000 | $ 225,000 | $ 105,000 |
| Pinellas County Florida | 3 | $ 496,000 | $ 165,000 | $ 116,000 |
| Fulton County Georgia | 3 | $ 318,000 | $ 106,000 | $ 111,000 |
| Gwinnett County Georgia | 3 | $ 584,000 | $ 194,000 | $ 61,000 |
| Cook County Illinois | 3 | $ 424,000 | $ 141,000 | $ 55,000 |
| Essex County New Jersey | 3 | $ 165,000 | $ 55,000 | $ 95,000 |
| Monmouth County New Jersey | 3 | $ 195,000 | $ 65,000 | $ 76,000 |
| Bronx County New York | 3 | $ 290,000 | $ 96,000 | $ 60,000 |
| Richmond County New York | 3 | $ 461,000 | $ 153,000 | $ 89,000 |
| Union County North Carolina | 3 | $ 252,000 | $ 84,000 | $ 58,000 |
| Wake County North Carolina | 3 | $ 725,000 | $ 241,000 | $ 117,000 |
| Pike County Pennsylvania | 3 | $ 472,000 | $ 157,000 | $ 114,000 |
| Wayne County Pennsylvania | 3 | $ 584,000 | $ 194,000 | $ 94,000 |
| Horry County South Carolina | 3 | $ 228,000 | $ 76,000 | $ 79,000 |
| Orange County California | 2 | $ 486,000 | $ 243,000 | $ 83,000 |
| New Castle County Delaware | 2 | $ 62,000 | $ 31,000 | $ 43,000 |
| Hernando County Florida | 2 | $ 428,000 | $ 214,000 | $ 77,000 |
| Hillsborough County Florida | 2 | $ 263,000 | $ 131,000 | $ 74,000 |
| Volusia County Florida | 2 | $ 273,000 | $ 136,000 | $ 143,000 |
| Chatham County Georgia | 2 | $ 203,000 | $ 101,000 | $ 81,000 |
| Howard County Maryland | 2 | $ 714,000 | $ 357,000 | $ 87,000 |
| Clark County Nevada | 2 | $ 520,000 | $ 260,000 | $ 96,000 |
| Bergen County New Jersey | 2 | $ 252,000 | $ 126,000 | $ 41,000 |
| Somerset County New Jersey | 2 | $ 440,000 | $ 220,000 | $ 95,000 |
| Kings County New York | 2 | $ 475,000 | $ 237,000 | $ 87,000 |
| New York County New York | 2 | $ 815,000 | $ 407,000 | $ 286,000 |
| Orange County New York | 2 | $ 129,000 | $ 64,000 | $ 78,000 |
| Putnam County New York | 2 | $ 470,000 | $ 235,000 | $ 85,000 |
| Granville County North Carolina | 2 | $ 540,000 | $ 270,000 | $ 72,000 |
| New Hanover County North Carolina | 2 | $ 185,000 | $ 92,000 | $ 43,000 |
| Northampton County Pennsylvania | 2 | $ 372,000 | $ 186,000 | $ 44,000 |
| York County Pennsylvania | 2 | $ 52,000 | $ 26,000 | $ 40,000 |
| Manassas County Virginia | 2 | $ 30,000 | $ 15,000 | $ 59,000 |
| Saline County Arkansas | 1 | $ 200,000 | $ 200,000 | $ 113,000 |
| Douglas County Colorado | 1 | $ 292,000 | $ 292,000 | $ 81,000 |
| Hartford County Connecticut | 1 | $ 14,000 | $ 14,000 | $ 64,000 |
| Litchfield County Connecticut | 1 | $ 60,000 | $ 60,000 | $ 39,000 |
| New Haven County Connecticut | 1 | $ 400,000 | $ 400,000 | $ 161,000 |
| Duval County Florida | 1 | $ 156,000 | $ 156,000 | $ 88,000 |
| Flagler County Florida | 1 | $ 10,000 | $ 10,000 | $ 48,000 |
| Gadsden County Florida | 1 | $ 132,000 | $ 132,000 | $ 55,000 |
| Monroe County Florida | 1 | $ 25,000 | $ 25,000 | $ 86,000 |
| Pasco County Florida | 1 | $ 40,000 | $ 40,000 | $ 100,000 |
| Polk County Florida | 1 | $ 11,000 | $ 11,000 | $ 20,000 |
| Sarasota County Florida | 1 | $ 207,000 | $ 207,000 | $ 89,000 |
| Cobb County Georgia | 1 | $ 40,000 | $ 40,000 | $ 110,000 |
| Coweta County Georgia | 1 | $ 121,000 | $ 121,000 | $ 39,000 |
| Glynn County Georgia | 1 | $ 130,000 | $ 130,000 | $ 100,000 |
| Henry County Georgia | 1 | $ 41,000 | $ 41,000 | $ 51,000 |
| Liberty County Georgia | 1 | $ 80,000 | $ 80,000 | $ 20,000 |
| Newton County Georgia | 1 | $ 190,000 | $ 190,000 | $ 37,000 |
| Paulding County Georgia | 1 | $ 313,000 | $ 313,000 | $ 115,000 |
| Putnam County Georgia | 1 | $ 30,000 | $ 30,000 | $ 69,000 |
| Rockdale County Georgia | 1 | $ 151,000 | $ 151,000 | $ 29,000 |
| Kane County Illinois | 1 | $ 160,000 | $ 160,000 | $ 57,000 |
| Sedgwick County Kansas | 1 | $ 165,000 | $ 165,000 | $ 98,000 |
| Cumberland County Maine | 1 | $ 208,000 | $ 208,000 | $ 62,000 |
| Anne Arundel County Maryland | 1 | $ 40,000 | $ 40,000 | $ 95,000 |
| Charles County Maryland | 1 | $ 202,000 | $ 202,000 | $ 133,000 |
| Harford County Maryland | 1 | $ 150,000 | $ 150,000 | $ 42,000 |
| Queen Anne's County Maryland | 1 | $ 75,000 | $ 75,000 | $ 90,000 |
| St. Mary's County Maryland | 1 | $ 25,000 | $ 25,000 | $ 80,000 |
| Wicomico County Maryland | 1 | $ 10,000 | $ 10,000 | $ 44,000 |
| Essex County Massachusetts | 1 | $ 271,000 | $ 271,000 | $ 104,000 |
| Nantucket County Massachusetts | 1 | $ 439,000 | $ 439,000 | $ 366,000 |
| Worcester County Massachusetts | 1 | $ 125,000 | $ 125,000 | $ 89,000 |
| Oakland County Michigan | 1 | $ 90,000 | $ 90,000 | $ 336,000 |
| Grafton County New Hampshire | 1 | $ 180,000 | $ 180,000 | $ 197,000 |
| Merrimack County New Hampshire | 1 | $ 175,000 | $ 175,000 | $ 75,000 |
| Burlington County New Jersey | 1 | $ 303,000 | $ 303,000 | $ 68,000 |
| Gloucester County New Jersey | 1 | $ 188,000 | $ 188,000 | $ 119,000 |
| Hudson County New Jersey | 1 | $ 275,000 | $ 275,000 | $ 74,000 |
| Hunterdon County New Jersey | 1 | $ 215,000 | $ 215,000 | $ 91,000 |
| Mercer County New Jersey | 1 | $ 208,000 | $ 208,000 | $ 134,000 |
| Morris County New Jersey | 1 | $ 36,000 | $ 36,000 | $ 110,000 |
| Ocean County New Jersey | 1 | $ 215,000 | $ 215,000 | $ 81,000 |
| Passaic County New Jersey | 1 | $ 64,000 | $ 64,000 | $ 74,000 |
| Salem County New Jersey | 1 | $ 145,000 | $ 145,000 | $ 66,000 |
| Sussex County New Jersey | 1 | $ 176,000 | $ 176,000 | $ 147,000 |
| Columbia County New York | 1 | $ 285,000 | $ 285,000 | $ 184,000 |
| Erie County New York | 1 | $ 50,000 | $ 50,000 | $ 70,000 |
| Fulton County New York | 1 | $ 65,000 | $ 65,000 | $ 75,000 |
| Greene County New York | 1 | $ 160,000 | $ 160,000 | $ 290,000 |
| Lewis County New York | 1 | $ 173,000 | $ 173,000 | $ 56,000 |
| Otsego County New York | 1 | $ 35,000 | $ 35,000 | $ 130,000 |
| Rensselaer County New York | 1 | $ 160,000 | $ 160,000 | $ 61,000 |
| Warren County New York | 1 | $ 184,000 | $ 184,000 | $ 68,000 |
| Brunswick County North Carolina | 1 | $ 117,000 | $ 117,000 | $ 50,000 |
| Catawba County North Carolina | 1 | $ 34,000 | $ 34,000 | $ 47,000 |
| Clay County North Carolina | 1 | $ 270,000 | $ 270,000 | $ 206,000 |
| Iredell County North Carolina | 1 | $ 110,000 | $ 110,000 | $ 150,000 |
| Polk County North Carolina | 1 | $ 15,000 | $ 15,000 | $ 45,000 |
| Allegheny County Pennsylvania | 1 | $ 145,000 | $ 145,000 | $ 80,000 |
| Berks County Pennsylvania | 1 | $ 70,000 | $ 70,000 | $ 54,000 |
| Bradford County Pennsylvania | 1 | $ 27,000 | $ 27,000 | $ 70,000 |
| Chester County Pennsylvania | 1 | $ 168,000 | $ 168,000 | $ 113,000 |
| Cumberland County Pennsylvania | 1 | $ 115,000 | $ 115,000 | $ 55,000 |
| Lackawanna County Pennsylvania | 1 | $ 15,000 | $ 15,000 | $ 14,000 |
| Lancaster County Pennsylvania | 1 | $ 270,000 | $ 270,000 | $ 159,000 |
| Lycoming County Pennsylvania | 1 | $ 60,000 | $ 60,000 | $ 111,000 |
| Montgomery County Pennsylvania | 1 | $ 100,000 | $ 100,000 | $ 122,000 |
| Susquehanna County Pennsylvania | 1 | $ 169,000 | $ 169,000 | $ 68,000 |
| Kent County Rhode Island | 1 | $ 245,000 | $ 245,000 | $ 180,000 |
| Beaufort County South Carolina | 1 | $ 45,000 | $ 45,000 | $ 114,000 |
| Charleston County South Carolina | 1 | $ 258,000 | $ 258,000 | $ 65,000 |
| Windham County Vermont | 1 | $ 103,000 | $ 103,000 | $ 275,000 |
| Windsor County Vermont | 1 | $ 30,000 | $ 30,000 | $ 33,000 |
| Chesapeake County Virginia | 1 | $ 266,000 | $ 266,000 | $ 143,000 |
| Harrisonburg County Virginia | 1 | $ 300,000 | $ 300,000 | $ 60,000 |
| James City County Virginia | 1 | $ 200,000 | $ 200,000 | $ 140,000 |
| Orange County Virginia | 1 | $ 150,000 | $ 150,000 | $ 30,000 |
| Virginia Beach County Virginia | 1 | $ 137,000 | $ 137,000 | $ 36,000 |
| King County Washington | 1 | $ 100,000 | $ 100,000 | $ 88,000 |
Mortgage Loan Application Detail Totals for Bethpage Federal Credit Union in 2006
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Improvement | 844 | $49,869,000 | $59,000 | $300,000 | $74,000 | $270,000 |
| Refinancing | 568 | $145,247,000 | $255,000 | $1,400,000 | $104,000 | $1,200,000 |
| Home Purchase | 345 | $97,179,000 | $281,000 | $1,050,000 | $109,000 | $429,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 1,025 | $177,406,000 | $173,000 | $1,355,000 | $91,000 | $516,000 |
| Not Provided | 559 | $86,360,000 | $154,000 | $1,400,000 | $95,000 | $1,200,000 |
| Hispanic | 79 | $13,297,000 | $168,000 | $437,000 | $75,000 | $318,000 |
| Black or African American | 55 | $9,469,000 | $172,000 | $500,000 | $73,000 | $178,000 |
| Asian | 31 | $4,917,000 | $158,000 | $417,000 | $95,000 | $336,000 |
| Native Hawaiian or Other Pacific Islander | 6 | $656,000 | $109,000 | $225,000 | $69,000 | $120,000 |
| American Indian or Alaskan Native | 2 | $190,000 | $95,000 | $100,000 | $39,000 | $67,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 1,757 | $292,295,000 | $166,000 | $1,400,000 | $91,000 | $1,200,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 1,344 | $213,056,000 | $158,000 | $1,355,000 | $90,000 | $516,000 |
| Application Approved But Not Accepted | 217 | $36,870,000 | $169,000 | $1,050,000 | $88,000 | $429,000 |
| Application Denied By Financial Institution | 123 | $23,043,000 | $187,000 | $980,000 | $88,000 | $1,200,000 |
| Application Withdrawn By Applicant | 72 | $19,246,000 | $267,000 | $1,400,000 | $116,000 | $473,000 |
| File Closed For Incompleteness | 1 | $80,000 | $80,000 | $80,000 | $30,000 | $30,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Credit History | 46 | $7,109,000 | $154,000 | $417,000 | $82,000 | $254,000 |
| Debt-To-Income Ratio | 39 | $9,480,000 | $243,000 | $980,000 | $54,000 | $300,000 |
| Collateral | 26 | $3,302,000 | $127,000 | $395,000 | $130,000 | $1,200,000 |
| Other | 11 | $2,980,000 | $270,000 | $536,000 | $134,000 | $366,000 |
| Employment History | 1 | $172,000 | $172,000 | $172,000 | $56,000 | $56,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Bethpage Federal Credit Union's 2006 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Bethpage Federal Credit Union's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in New York, download the full spreadsheet
with aggregated HMDA statistics today.