Bethpage Federal Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2007
Bethpage Federal Credit Union 2007 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 | 1,937 |
| Total Mortgage Loan Application Amount | $441,467,000 |
| Average Mortgage Loan Application Amount | $216,666 |
| Highest Mortgage Loan Application Amount | $1,600,000 |
| Average Applicant Income | $115,000 |
| Highest Applicant Income | $4,200,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2007 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 2007 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 2007.
| 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 | 983 | $ 221,604,000 | $ 225,000 | $ 118,000 |
| Nassau County New York | 610 | $ 144,126,000 | $ 236,000 | $ 111,000 |
| Queens County New York | 45 | $ 11,264,000 | $ 250,000 | $ 91,000 |
| Palm Beach County Florida | 10 | $ 2,131,000 | $ 213,000 | $ 120,000 |
| Kings County New York | 10 | $ 4,128,000 | $ 412,000 | $ 113,000 |
| Brevard County Florida | 9 | $ 1,298,000 | $ 144,000 | $ 81,000 |
| Westchester County New York | 8 | $ 2,454,000 | $ 306,000 | $ 164,000 |
| St. Lucie County Florida | 7 | $ 956,000 | $ 136,000 | $ 60,000 |
| Volusia County Florida | 7 | $ 683,000 | $ 97,000 | $ 103,000 |
| Gwinnett County Georgia | 7 | $ 1,175,000 | $ 167,000 | $ 59,000 |
| Fairfield County Connecticut | 6 | $ 2,658,000 | $ 443,000 | $ 143,000 |
| Flagler County Florida | 6 | $ 1,413,000 | $ 235,000 | $ 101,000 |
| Lee County Florida | 5 | $ 1,489,000 | $ 297,000 | $ 103,000 |
| Martin County Florida | 5 | $ 373,000 | $ 74,000 | $ 117,000 |
| Orange County Florida | 5 | $ 954,000 | $ 190,000 | $ 69,000 |
| Somerset County New Jersey | 5 | $ 1,286,000 | $ 257,000 | $ 139,000 |
| Broward County Florida | 4 | $ 908,000 | $ 227,000 | $ 228,000 |
| Pinellas County Florida | 4 | $ 821,000 | $ 205,000 | $ 163,000 |
| Coweta County Georgia | 4 | $ 632,000 | $ 158,000 | $ 52,000 |
| Union County New Jersey | 4 | $ 989,000 | $ 247,000 | $ 112,000 |
| New York County New York | 4 | $ 3,592,000 | $ 898,000 | $ 335,000 |
| Mecklenburg County North Carolina | 4 | $ 685,000 | $ 171,000 | $ 95,000 |
| Union County North Carolina | 4 | $ 721,000 | $ 180,000 | $ 80,000 |
| Collier County Florida | 3 | $ 685,000 | $ 228,000 | $ 186,000 |
| Miami-Dade County Florida | 3 | $ 1,043,000 | $ 347,000 | $ 103,000 |
| St. Johns County Florida | 3 | $ 363,000 | $ 121,000 | $ 69,000 |
| Howard County Maryland | 3 | $ 557,000 | $ 185,000 | $ 122,000 |
| Suffolk County Massachusetts | 3 | $ 722,000 | $ 240,000 | $ 119,000 |
| Hudson County New Jersey | 3 | $ 1,312,000 | $ 437,000 | $ 135,000 |
| Middlesex County New Jersey | 3 | $ 787,000 | $ 262,000 | $ 133,000 |
| Delaware County New York | 3 | $ 578,000 | $ 192,000 | $ 97,000 |
| Greene County New York | 3 | $ 412,000 | $ 137,000 | $ 96,000 |
| Sullivan County New York | 3 | $ 1,013,000 | $ 337,000 | $ 130,000 |
| Philadelphia County Pennsylvania | 3 | $ 447,000 | $ 149,000 | $ 60,000 |
| Loudoun County Virginia | 3 | $ 844,000 | $ 281,000 | $ 149,000 |
| San Diego County California | 2 | $ 386,000 | $ 193,000 | $ 98,000 |
| Hernando County Florida | 2 | $ 50,000 | $ 25,000 | $ 75,000 |
| Osceola County Florida | 2 | $ 625,000 | $ 312,000 | $ 172,000 |
| Polk County Florida | 2 | $ 420,000 | $ 210,000 | $ 178,000 |
| Effingham County Georgia | 2 | $ 186,000 | $ 93,000 | $ 75,000 |
| Baltimore City County Maryland | 2 | $ 376,000 | $ 188,000 | $ 65,000 |
| Ingham County Michigan | 2 | $ 233,000 | $ 116,000 | $ 152,000 |
| Burlington County New Jersey | 2 | $ 446,000 | $ 223,000 | $ 122,000 |
| Mercer County New Jersey | 2 | $ 802,000 | $ 401,000 | $ 138,000 |
| Monmouth County New Jersey | 2 | $ 175,000 | $ 87,000 | $ 75,000 |
| Ocean County New Jersey | 2 | $ 260,000 | $ 130,000 | $ 105,000 |
| Albany County New York | 2 | $ 712,000 | $ 356,000 | $ 100,000 |
| Bronx County New York | 2 | $ 194,000 | $ 97,000 | $ 216,000 |
| Onondaga County New York | 2 | $ 98,000 | $ 49,000 | $ 86,000 |
| Orange County New York | 2 | $ 480,000 | $ 240,000 | $ 100,000 |
| Richmond County New York | 2 | $ 766,000 | $ 383,000 | $ 99,000 |
| Saratoga County New York | 2 | $ 335,000 | $ 167,000 | $ 42,000 |
| Johnston County North Carolina | 2 | $ 302,000 | $ 151,000 | $ 64,000 |
| Wake County North Carolina | 2 | $ 580,000 | $ 290,000 | $ 98,000 |
| Bucks County Pennsylvania | 2 | $ 528,000 | $ 264,000 | $ 109,000 |
| Lancaster County Pennsylvania | 2 | $ 101,000 | $ 50,000 | $ 42,000 |
| Pike County Pennsylvania | 2 | $ 255,000 | $ 127,000 | $ 48,000 |
| Colleton County South Carolina | 2 | $ 215,000 | $ 107,000 | $ 68,000 |
| Chesapeake County Virginia | 2 | $ 374,000 | $ 187,000 | $ 72,000 |
| Pinal County Arizona | 1 | $ 173,000 | $ 173,000 | $ 90,000 |
| Alameda County California | 1 | $ 358,000 | $ 358,000 | $ 102,000 |
| Los Angeles County California | 1 | $ 50,000 | $ 50,000 | $ 144,000 |
| Riverside County California | 1 | $ 311,000 | $ 311,000 | $ 141,000 |
| San Mateo County California | 1 | $ 690,000 | $ 690,000 | $ 245,000 |
| Arapahoe County Colorado | 1 | $ 129,000 | $ 129,000 | $ 40,000 |
| Lake County Colorado | 1 | $ 136,000 | $ 136,000 | $ 79,000 |
| Litchfield County Connecticut | 1 | $ 250,000 | $ 250,000 | $ 72,000 |
| New London County Connecticut | 1 | $ 198,000 | $ 198,000 | $ 78,000 |
| Kent County Delaware | 1 | $ 75,000 | $ 75,000 | $ 72,000 |
| District of Columbia County District Of Columbia | 1 | $ 210,000 | $ 210,000 | $ 169,000 |
| Citrus County Florida | 1 | $ 50,000 | $ 50,000 | $ 41,000 |
| Duval County Florida | 1 | $ 200,000 | $ 200,000 | $ 70,000 |
| Hillsborough County Florida | 1 | $ 60,000 | $ 60,000 | $ 73,000 |
| Marion County Florida | 1 | $ 60,000 | $ 60,000 | $ 56,000 |
| Monroe County Florida | 1 | $ 25,000 | $ 25,000 | $ 74,000 |
| Okaloosa County Florida | 1 | $ 120,000 | $ 120,000 | $ 50,000 |
| Pasco County Florida | 1 | $ 290,000 | $ 290,000 | $ 44,000 |
| Seminole County Florida | 1 | $ 407,000 | $ 407,000 | $ 130,000 |
| Baldwin County Georgia | 1 | $ 78,000 | $ 78,000 | $ 94,000 |
| Chatham County Georgia | 1 | $ 54,000 | $ 54,000 | $ 134,000 |
| Cherokee County Georgia | 1 | $ 30,000 | $ 30,000 | $ 17,000 |
| Clarke County Georgia | 1 | $ 66,000 | $ 66,000 | $ 91,000 |
| Cobb County Georgia | 1 | $ 30,000 | $ 30,000 | $ 50,000 |
| Douglas County Georgia | 1 | $ 450,000 | $ 450,000 | $ 80,000 |
| Houston County Georgia | 1 | $ 75,000 | $ 75,000 | $ 127,000 |
| Jones County Georgia | 1 | $ 195,000 | $ 195,000 | $ 84,000 |
| Lowndes County Georgia | 1 | $ 254,000 | $ 254,000 | $ 44,000 |
| Newton County Georgia | 1 | $ 105,000 | $ 105,000 | $ 36,000 |
| Paulding County Georgia | 1 | $ 135,000 | $ 135,000 | $ 62,000 |
| Spalding County Georgia | 1 | $ 62,000 | $ 62,000 | $ 125,000 |
| Troup County Georgia | 1 | $ 30,000 | $ 30,000 | $ 62,000 |
| Penobscot County Maine | 1 | $ 94,000 | $ 94,000 | $ 395,000 |
| Anne Arundel County Maryland | 1 | $ 264,000 | $ 264,000 | $ 120,000 |
| Montgomery County Maryland | 1 | $ 195,000 | $ 195,000 | $ 120,000 |
| Queen Anne's County Maryland | 1 | $ 200,000 | $ 200,000 | $ 60,000 |
| Barnstable County Massachusetts | 1 | $ 200,000 | $ 200,000 | $ 206,000 |
| Berkshire County Massachusetts | 1 | $ 200,000 | $ 200,000 | $ 70,000 |
| Worcester County Massachusetts | 1 | $ 193,000 | $ 193,000 | $ 160,000 |
| Clark County Nevada | 1 | $ 224,000 | $ 224,000 | $ 176,000 |
| Washoe County Nevada | 1 | $ 100,000 | $ 100,000 | $ 54,000 |
| Carroll County New Hampshire | 1 | $ 325,000 | $ 325,000 | $ 125,000 |
| Hillsborough County New Hampshire | 1 | $ 417,000 | $ 417,000 | $ 198,000 |
| Bergen County New Jersey | 1 | $ 417,000 | $ 417,000 | $ 190,000 |
| Camden County New Jersey | 1 | $ 100,000 | $ 100,000 | $ 75,000 |
| Essex County New Jersey | 1 | $ 560,000 | $ 560,000 | $ 150,000 |
| Gloucester County New Jersey | 1 | $ 233,000 | $ 233,000 | $ 90,000 |
| Hunterdon County New Jersey | 1 | $ 247,000 | $ 247,000 | $ 112,000 |
| Morris County New Jersey | 1 | $ 30,000 | $ 30,000 | $ 162,000 |
| Passaic County New Jersey | 1 | $ 408,000 | $ 408,000 | $ 236,000 |
| Sussex County New Jersey | 1 | $ 287,000 | $ 287,000 | $ 109,000 |
| Warren County New Jersey | 1 | $ 352,000 | $ 352,000 | $ 208,000 |
| Dona Ana County New Mexico | 1 | $ 205,000 | $ 205,000 | $ 108,000 |
| Chenango County New York | 1 | $ 87,000 | $ 87,000 | $ 60,000 |
| Dutchess County New York | 1 | $ 244,000 | $ 244,000 | $ 36,000 |
| Jefferson County New York | 1 | $ 160,000 | $ 160,000 | $ 80,000 |
| Livingston County New York | 1 | $ 250,000 | $ 250,000 | $ 83,000 |
| Oneida County New York | 1 | $ 63,000 | $ 63,000 | $ 45,000 |
| Otsego County New York | 1 | $ 160,000 | $ 160,000 | $ 66,000 |
| Schoharie County New York | 1 | $ 90,000 | $ 90,000 | $ 88,000 |
| Buncombe County North Carolina | 1 | $ 240,000 | $ 240,000 | $ 67,000 |
| Cabarrus County North Carolina | 1 | $ 17,000 | $ 17,000 | $ 72,000 |
| Cumberland County North Carolina | 1 | $ 138,000 | $ 138,000 | $ 40,000 |
| Guilford County North Carolina | 1 | $ 87,000 | $ 87,000 | $ 53,000 |
| Iredell County North Carolina | 1 | $ 178,000 | $ 178,000 | $ 76,000 |
| Lincoln County North Carolina | 1 | $ 51,000 | $ 51,000 | $ 20,000 |
| Nash County North Carolina | 1 | $ 139,000 | $ 139,000 | $ 54,000 |
| New Hanover County North Carolina | 1 | $ 120,000 | $ 120,000 | $ 122,000 |
| Rutherford County North Carolina | 1 | $ 125,000 | $ 125,000 | $ 63,000 |
| Franklin County Ohio | 1 | $ 235,000 | $ 235,000 | $ 136,000 |
| Hamilton County Ohio | 1 | $ 190,000 | $ 190,000 | $ 51,000 |
| Beaver County Pennsylvania | 1 | $ 35,000 | $ 35,000 | $ 104,000 |
| Berks County Pennsylvania | 1 | $ 45,000 | $ 45,000 | $ 52,000 |
| Carbon County Pennsylvania | 1 | $ 214,000 | $ 214,000 | $ 26,000 |
| Cumberland County Pennsylvania | 1 | $ 50,000 | $ 50,000 | $ 120,000 |
| Lackawanna County Pennsylvania | 1 | $ 115,000 | $ 115,000 | $ 29,000 |
| Lebanon County Pennsylvania | 1 | $ 241,000 | $ 241,000 | $ 64,000 |
| Lycoming County Pennsylvania | 1 | $ 116,000 | $ 116,000 | $ 41,000 |
| Monroe County Pennsylvania | 1 | $ 180,000 | $ 180,000 | $ 75,000 |
| Montgomery County Pennsylvania | 1 | $ 18,000 | $ 18,000 | $ 150,000 |
| Northampton County Pennsylvania | 1 | $ 232,000 | $ 232,000 | $ 75,000 |
| Potter County Pennsylvania | 1 | $ 96,000 | $ 96,000 | $ 47,000 |
| Wayne County Pennsylvania | 1 | $ 51,000 | $ 51,000 | $ 125,000 |
| York County Pennsylvania | 1 | $ 112,000 | $ 112,000 | $ 55,000 |
| Beaufort County South Carolina | 1 | $ 298,000 | $ 298,000 | $ 60,000 |
| Charleston County South Carolina | 1 | $ 170,000 | $ 170,000 | $ 63,000 |
| Cherokee County South Carolina | 1 | $ 25,000 | $ 25,000 | $ 27,000 |
| Horry County South Carolina | 1 | $ 79,000 | $ 79,000 | $ 32,000 |
| Washington County Tennessee | 1 | $ 140,000 | $ 140,000 | $ 97,000 |
| Windham County Vermont | 1 | $ 650,000 | $ 650,000 | $ 1,000,000 |
| Alexandria County Virginia | 1 | $ 344,000 | $ 344,000 | $ 58,000 |
| Campbell County Virginia | 1 | $ 60,000 | $ 60,000 | $ 65,000 |
| Fairfax County Virginia | 1 | $ 283,000 | $ 283,000 | $ 84,000 |
| Fairfax City County Virginia | 1 | $ 250,000 | $ 250,000 | $ 82,000 |
| Hanover County Virginia | 1 | $ 122,000 | $ 122,000 | $ 26,000 |
| Henrico County Virginia | 1 | $ 153,000 | $ 153,000 | $ 83,000 |
| Virginia Beach County Virginia | 1 | $ 205,000 | $ 205,000 | $ 178,000 |
Mortgage Loan Application Detail Totals for Bethpage Federal Credit Union in 2007
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 |
|---|---|---|---|---|---|---|
| Refinancing | 915 | $257,305,000 | $281,000 | $1,365,000 | $111,000 | $1,000,000 |
| Home Improvement | 530 | $33,007,000 | $62,000 | $281,000 | $102,000 | $510,000 |
| Home Purchase | 492 | $151,155,000 | $307,000 | $1,600,000 | $132,000 | $4,200,000 |
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 | 1,084 | $236,109,000 | $217,000 | $1,600,000 | $120,000 | $4,200,000 |
| Not Provided | 609 | $147,718,000 | $242,000 | $1,260,000 | $111,000 | $1,646,000 |
| Hispanic | 106 | $25,810,000 | $243,000 | $1,365,000 | $92,000 | $312,000 |
| Black or African American | 86 | $16,468,000 | $191,000 | $650,000 | $91,000 | $765,000 |
| Asian | 46 | $13,927,000 | $302,000 | $690,000 | $113,000 | $300,000 |
| Native Hawaiian or Other Pacific Islander | 4 | $727,000 | $181,000 | $315,000 | $74,000 | $140,000 |
| American Indian or Alaskan Native | 2 | $708,000 | $354,000 | $385,000 | $78,000 | $88,000 |
| 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) | 1,937 | $441,467,000 | $227,000 | $1,600,000 | $114,000 | $4,200,000 |
| 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 | 1,305 | $284,001,000 | $217,000 | $1,365,000 | $115,000 | $1,646,000 |
| Application Denied By Financial Institution | 245 | $57,936,000 | $236,000 | $1,225,000 | $90,000 | $765,000 |
| Application Approved But Not Accepted | 212 | $45,094,000 | $212,000 | $1,600,000 | $131,000 | $4,200,000 |
| Application Withdrawn By Applicant | 175 | $54,436,000 | $311,000 | $1,223,000 | $120,000 | $612,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 87 | $15,069,000 | $173,000 | $730,000 | $86,000 | $205,000 |
| Debt-To-Income Ratio | 70 | $18,836,000 | $269,000 | $877,000 | $57,000 | $181,000 |
| Other | 66 | $21,278,000 | $322,000 | $1,225,000 | $131,000 | $765,000 |
| Collateral | 18 | $2,165,000 | $120,000 | $500,000 | $94,000 | $300,000 |
| Unverifiable Information | 1 | $166,000 | $166,000 | $166,000 | $57,000 | $57,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Bethpage Federal Credit Union's 2007 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.