Bethpage Federal Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2008
Bethpage Federal Credit Union 2008 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 | 2,206 |
| Total Mortgage Loan Application Amount | $605,850,000 |
| Average Mortgage Loan Application Amount | $239,000 |
| Highest Mortgage Loan Application Amount | $1,960,000 |
| Average Applicant Income | $134,000 |
| Highest Applicant Income | $5,145,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2008 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 2008 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 2008.
| 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 | 930 | $ 252,563,000 | $ 271,000 | $ 131,000 |
| Nassau County New York | 734 | $ 224,418,000 | $ 305,000 | $ 141,000 |
| Queens County New York | 47 | $ 14,318,000 | $ 304,000 | $ 99,000 |
| New York County New York | 24 | $ 19,205,000 | $ 800,000 | $ 612,000 |
| Westchester County New York | 14 | $ 6,175,000 | $ 441,000 | $ 593,000 |
| Collier County Florida | 11 | $ 3,638,000 | $ 330,000 | $ 194,000 |
| Wake County North Carolina | 11 | $ 2,259,000 | $ 205,000 | $ 138,000 |
| Bergen County New Jersey | 9 | $ 3,609,000 | $ 401,000 | $ 158,000 |
| Kings County New York | 9 | $ 2,626,000 | $ 291,000 | $ 121,000 |
| Middlesex County New Jersey | 8 | $ 2,388,000 | $ 298,000 | $ 152,000 |
| Broward County Florida | 7 | $ 1,523,000 | $ 217,000 | $ 283,000 |
| Martin County Florida | 7 | $ 963,000 | $ 137,000 | $ 89,000 |
| Burlington County New Jersey | 6 | $ 1,231,000 | $ 205,000 | $ 111,000 |
| Palm Beach County Florida | 5 | $ 2,370,000 | $ 474,000 | $ 270,000 |
| St. Johns County Florida | 5 | $ 1,401,000 | $ 280,000 | $ 114,000 |
| Bronx County New York | 5 | $ 1,359,000 | $ 271,000 | $ 122,000 |
| Wayne County Pennsylvania | 5 | $ 937,000 | $ 187,000 | $ 183,000 |
| Fairfax County Virginia | 5 | $ 1,324,000 | $ 264,000 | $ 135,000 |
| Fairfield County Connecticut | 4 | $ 1,994,000 | $ 498,000 | $ 193,000 |
| New Castle County Delaware | 4 | $ 577,000 | $ 144,000 | $ 56,000 |
| Brevard County Florida | 4 | $ 485,000 | $ 121,000 | $ 95,000 |
| Duval County Florida | 4 | $ 633,000 | $ 158,000 | $ 89,000 |
| Hudson County New Jersey | 4 | $ 2,191,000 | $ 547,000 | $ 313,000 |
| Greene County New York | 4 | $ 979,000 | $ 244,000 | $ 150,000 |
| Bucks County Pennsylvania | 4 | $ 950,000 | $ 237,000 | $ 95,000 |
| Loudoun County Virginia | 4 | $ 910,000 | $ 227,000 | $ 173,000 |
| Los Angeles County California | 3 | $ 1,395,000 | $ 465,000 | $ 177,000 |
| New London County Connecticut | 3 | $ 717,000 | $ 239,000 | $ 89,000 |
| Kent County Delaware | 3 | $ 700,000 | $ 233,000 | $ 98,000 |
| Hernando County Florida | 3 | $ 224,000 | $ 74,000 | $ 38,000 |
| Hillsborough County Florida | 3 | $ 665,000 | $ 221,000 | $ 126,000 |
| Marion County Florida | 3 | $ 290,000 | $ 96,000 | $ 56,000 |
| Cobb County Georgia | 3 | $ 507,000 | $ 169,000 | $ 83,000 |
| Henry County Georgia | 3 | $ 299,000 | $ 99,000 | $ 61,000 |
| Worcester County Massachusetts | 3 | $ 1,028,000 | $ 342,000 | $ 138,000 |
| Orange County New York | 3 | $ 859,000 | $ 286,000 | $ 124,000 |
| Rockland County New York | 3 | $ 954,000 | $ 318,000 | $ 131,000 |
| Alameda County California | 2 | $ 1,354,000 | $ 677,000 | $ 472,000 |
| Ventura County California | 2 | $ 589,000 | $ 294,000 | $ 68,000 |
| El Paso County Colorado | 2 | $ 590,000 | $ 295,000 | $ 135,000 |
| New Haven County Connecticut | 2 | $ 1,433,000 | $ 716,000 | $ 154,000 |
| Lee County Florida | 2 | $ 315,000 | $ 157,000 | $ 129,000 |
| Orange County Florida | 2 | $ 940,000 | $ 470,000 | $ 164,000 |
| Pinellas County Florida | 2 | $ 194,000 | $ 97,000 | $ 76,000 |
| St. Lucie County Florida | 2 | $ 245,000 | $ 122,000 | $ 89,000 |
| Chatham County Georgia | 2 | $ 418,000 | $ 209,000 | $ 165,000 |
| Fulton County Georgia | 2 | $ 469,000 | $ 234,000 | $ 134,000 |
| Howard County Maryland | 2 | $ 690,000 | $ 345,000 | $ 141,000 |
| Middlesex County Massachusetts | 2 | $ 834,000 | $ 417,000 | $ 143,000 |
| Norfolk County Massachusetts | 2 | $ 873,000 | $ 436,000 | $ 255,000 |
| Hennepin County Minnesota | 2 | $ 415,000 | $ 207,000 | $ 68,000 |
| Clark County Nevada | 2 | $ 332,000 | $ 166,000 | $ 89,000 |
| Hillsborough County New Hampshire | 2 | $ 400,000 | $ 200,000 | $ 252,000 |
| Essex County New Jersey | 2 | $ 733,000 | $ 366,000 | $ 192,000 |
| Gloucester County New Jersey | 2 | $ 286,000 | $ 143,000 | $ 130,000 |
| Mercer County New Jersey | 2 | $ 365,000 | $ 182,000 | $ 59,000 |
| Somerset County New Jersey | 2 | $ 180,000 | $ 90,000 | $ 138,000 |
| Union County New Jersey | 2 | $ 220,000 | $ 110,000 | $ 92,000 |
| Columbia County New York | 2 | $ 240,000 | $ 120,000 | $ 42,000 |
| Delaware County New York | 2 | $ 388,000 | $ 194,000 | $ 80,000 |
| Dutchess County New York | 2 | $ 567,000 | $ 283,000 | $ 244,000 |
| Erie County New York | 2 | $ 260,000 | $ 130,000 | $ 112,000 |
| Putnam County New York | 2 | $ 494,000 | $ 247,000 | $ 96,000 |
| Brunswick County North Carolina | 2 | $ 414,000 | $ 207,000 | $ 196,000 |
| Buncombe County North Carolina | 2 | $ 344,000 | $ 172,000 | $ 23,000 |
| Mecklenburg County North Carolina | 2 | $ 248,000 | $ 124,000 | $ 60,000 |
| Allegheny County Pennsylvania | 2 | $ 245,000 | $ 122,000 | $ 126,000 |
| Lackawanna County Pennsylvania | 2 | $ 146,000 | $ 73,000 | $ 32,000 |
| Lehigh County Pennsylvania | 2 | $ 834,000 | $ 417,000 | $ 251,000 |
| Monroe County Pennsylvania | 2 | $ 529,000 | $ 264,000 | $ 67,000 |
| York County Pennsylvania | 2 | $ 480,000 | $ 240,000 | $ 77,000 |
| Charleston County South Carolina | 2 | $ 255,000 | $ 127,000 | $ 84,000 |
| Bennington County Vermont | 2 | $ 308,000 | $ 154,000 | $ 87,000 |
| Dallas County Alabama | 1 | $ 73,000 | $ 73,000 | $ 61,000 |
| Madison County Alabama | 1 | $ 175,000 | $ 175,000 | $ 169,000 |
| Maricopa County Arizona | 1 | $ 244,000 | $ 244,000 | $ 43,000 |
| Pima County Arizona | 1 | $ 350,000 | $ 350,000 | $ 100,000 |
| Pinal County Arizona | 1 | $ 176,000 | $ 176,000 | $ 70,000 |
| Baxter County Arkansas | 1 | $ 60,000 | $ 60,000 | $ 32,000 |
| El Dorado County California | 1 | $ 520,000 | $ 520,000 | $ 54,000 |
| San Diego County California | 1 | $ 400,000 | $ 400,000 | $ 136,000 |
| San Francisco County California | 1 | $ 459,000 | $ 459,000 | $ 420,000 |
| San Mateo County California | 1 | $ 687,000 | $ 687,000 | $ 269,000 |
| Santa Clara County California | 1 | $ 740,000 | $ 740,000 | $ 170,000 |
| Boulder County Colorado | 1 | $ 285,000 | $ 285,000 | $ 98,000 |
| Eagle County Colorado | 1 | $ 280,000 | $ 280,000 | $ 517,000 |
| Hartford County Connecticut | 1 | $ 167,000 | $ 167,000 | $ 50,000 |
| Middlesex County Connecticut | 1 | $ 386,000 | $ 386,000 | $ 208,000 |
| Bay County Florida | 1 | $ 417,000 | $ 417,000 | $ 550,000 |
| Flagler County Florida | 1 | $ 176,000 | $ 176,000 | $ 47,000 |
| Indian River County Florida | 1 | $ 136,000 | $ 136,000 | $ 106,000 |
| Manatee County Florida | 1 | $ 200,000 | $ 200,000 | $ 80,000 |
| Polk County Florida | 1 | $ 100,000 | $ 100,000 | $ 56,000 |
| Sarasota County Florida | 1 | $ 200,000 | $ 200,000 | $ 94,000 |
| Seminole County Florida | 1 | $ 318,000 | $ 318,000 | $ 80,000 |
| Volusia County Florida | 1 | $ 70,000 | $ 70,000 | $ 65,000 |
| Baldwin County Georgia | 1 | $ 98,000 | $ 98,000 | $ 65,000 |
| Cherokee County Georgia | 1 | $ 309,000 | $ 309,000 | $ 74,000 |
| Clayton County Georgia | 1 | $ 131,000 | $ 131,000 | $ 73,000 |
| DeKalb County Georgia | 1 | $ 201,000 | $ 201,000 | $ 50,000 |
| Gwinnett County Georgia | 1 | $ 200,000 | $ 200,000 | $ 142,000 |
| Rockdale County Georgia | 1 | $ 374,000 | $ 374,000 | $ 131,000 |
| DuPage County Illinois | 1 | $ 145,000 | $ 145,000 | $ 140,000 |
| Johnson County Illinois | 1 | $ 260,000 | $ 260,000 | $ 88,000 |
| Baltimore County Maryland | 1 | $ 417,000 | $ 417,000 | $ 91,000 |
| Calvert County Maryland | 1 | $ 413,000 | $ 413,000 | $ 87,000 |
| Barnstable County Massachusetts | 1 | $ 277,000 | $ 277,000 | $ 123,000 |
| Essex County Massachusetts | 1 | $ 286,000 | $ 286,000 | $ 216,000 |
| Oakland County Michigan | 1 | $ 100,000 | $ 100,000 | $ 95,000 |
| Wright County Minnesota | 1 | $ 140,000 | $ 140,000 | $ 144,000 |
| Belknap County New Hampshire | 1 | $ 142,000 | $ 142,000 | $ 140,000 |
| Ocean County New Jersey | 1 | $ 85,000 | $ 85,000 | $ 80,000 |
| Passaic County New Jersey | 1 | $ 588,000 | $ 588,000 | $ 254,000 |
| Sussex County New Jersey | 1 | $ 560,000 | $ 560,000 | $ 121,000 |
| Albany County New York | 1 | $ 509,000 | $ 509,000 | $ 220,000 |
| Chemung County New York | 1 | $ 180,000 | $ 180,000 | $ 87,000 |
| Monroe County New York | 1 | $ 250,000 | $ 250,000 | $ 142,000 |
| Oneida County New York | 1 | $ 500,000 | $ 500,000 | $ 350,000 |
| Otsego County New York | 1 | $ 50,000 | $ 50,000 | $ 139,000 |
| Rensselaer County New York | 1 | $ 395,000 | $ 395,000 | $ 200,000 |
| Saratoga County New York | 1 | $ 221,000 | $ 221,000 | $ 87,000 |
| Sullivan County New York | 1 | $ 150,000 | $ 150,000 | $ 46,000 |
| Warren County New York | 1 | $ 160,000 | $ 160,000 | $ 650,000 |
| Washington County New York | 1 | $ 170,000 | $ 170,000 | $ 225,000 |
| Yates County New York | 1 | $ 148,000 | $ 148,000 | $ 60,000 |
| Cabarrus County North Carolina | 1 | $ 19,000 | $ 19,000 | $ 106,000 |
| Durham County North Carolina | 1 | $ 152,000 | $ 152,000 | $ 67,000 |
| Guilford County North Carolina | 1 | $ 35,000 | $ 35,000 | $ 31,000 |
| Iredell County North Carolina | 1 | $ 220,000 | $ 220,000 | $ 45,000 |
| Moore County North Carolina | 1 | $ 147,000 | $ 147,000 | $ 38,000 |
| New Hanover County North Carolina | 1 | $ 206,000 | $ 206,000 | $ 130,000 |
| Rowan County North Carolina | 1 | $ 90,000 | $ 90,000 | $ 90,000 |
| Union County North Carolina | 1 | $ 252,000 | $ 252,000 | $ 33,000 |
| Cuyahoga County Ohio | 1 | $ 150,000 | $ 150,000 | $ 85,000 |
| Seneca County Ohio | 1 | $ 130,000 | $ 130,000 | $ 36,000 |
| Tulsa County Oklahoma | 1 | $ 112,000 | $ 112,000 | $ 98,000 |
| Berks County Pennsylvania | 1 | $ 256,000 | $ 256,000 | $ 108,000 |
| Carbon County Pennsylvania | 1 | $ 104,000 | $ 104,000 | $ 100,000 |
| Chester County Pennsylvania | 1 | $ 321,000 | $ 321,000 | $ 125,000 |
| Lancaster County Pennsylvania | 1 | $ 140,000 | $ 140,000 | $ 132,000 |
| Luzerne County Pennsylvania | 1 | $ 170,000 | $ 170,000 | $ 101,000 |
| Montgomery County Pennsylvania | 1 | $ 176,000 | $ 176,000 | $ 102,000 |
| Pike County Pennsylvania | 1 | $ 300,000 | $ 300,000 | $ 70,000 |
| Washington County Pennsylvania | 1 | $ 120,000 | $ 120,000 | $ 75,000 |
| Kent County Rhode Island | 1 | $ 244,000 | $ 244,000 | $ 200,000 |
| Beaufort County South Carolina | 1 | $ 153,000 | $ 153,000 | $ 56,000 |
| Greenville County South Carolina | 1 | $ 80,000 | $ 80,000 | $ 52,000 |
| Davidson County Tennessee | 1 | $ 70,000 | $ 70,000 | $ 71,000 |
| Shelby County Tennessee | 1 | $ 15,000 | $ 15,000 | $ 112,000 |
| Tarrant County Texas | 1 | $ 60,000 | $ 60,000 | $ 17,000 |
| Utah County Utah | 1 | $ 218,000 | $ 218,000 | $ 71,000 |
| Addison County Vermont | 1 | $ 49,000 | $ 49,000 | $ 105,000 |
| Windsor County Vermont | 1 | $ 75,000 | $ 75,000 | $ 35,000 |
| Chesapeake County Virginia | 1 | $ 245,000 | $ 245,000 | $ 163,000 |
| Chesterfield County Virginia | 1 | $ 295,000 | $ 295,000 | $ 142,000 |
| Frederick County Virginia | 1 | $ 235,000 | $ 235,000 | $ 54,000 |
| Goochland County Virginia | 1 | $ 226,000 | $ 226,000 | $ 54,000 |
| Hanover County Virginia | 1 | $ 193,000 | $ 193,000 | $ 76,000 |
| Henrico County Virginia | 1 | $ 282,000 | $ 282,000 | $ 157,000 |
| Montgomery County Virginia | 1 | $ 43,000 | $ 43,000 | $ 84,000 |
| Prince George County Virginia | 1 | $ 154,000 | $ 154,000 | $ 32,000 |
| Prince William County Virginia | 1 | $ 545,000 | $ 545,000 | $ 166,000 |
| Stafford County Virginia | 1 | $ 387,000 | $ 387,000 | $ 325,000 |
| Virginia Beach County Virginia | 1 | $ 25,000 | $ 25,000 | $ 55,000 |
| York County Virginia | 1 | $ 325,000 | $ 325,000 | $ 118,000 |
Mortgage Loan Application Detail Totals for Bethpage Federal Credit Union in 2008
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 | 1,248 | $390,625,000 | $313,000 | $1,867,000 | $149,000 | $5,145,000 |
| Home Purchase | 558 | $189,197,000 | $339,000 | $1,960,000 | $155,000 | $1,752,000 |
| Home Improvement | 400 | $26,028,000 | $65,000 | $500,000 | $98,000 | $540,000 |
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 | 1,052 | $274,026,000 | $260,000 | $1,875,000 | $133,000 | $1,568,000 |
| Not Provided | 942 | $273,694,000 | $290,000 | $1,867,000 | $153,000 | $5,145,000 |
| Hispanic | 81 | $17,159,000 | $211,000 | $683,000 | $91,000 | $540,000 |
| Asian | 78 | $28,291,000 | $362,000 | $1,960,000 | $174,000 | $1,272,000 |
| Black or African American | 51 | $12,219,000 | $239,000 | $1,181,000 | $122,000 | $1,752,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $396,000 | $396,000 | $396,000 | $115,000 | $115,000 |
| American Indian or Alaskan Native | 1 | $65,000 | $65,000 | $65,000 | $90,000 | $90,000 |
| 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) | 2,206 | $605,850,000 | $274,000 | $1,960,000 | $141,000 | $5,145,000 |
| 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 | 1,343 | $381,000,000 | $283,000 | $1,960,000 | $145,000 | $5,145,000 |
| Application Approved But Not Accepted | 362 | $112,836,000 | $311,000 | $1,867,000 | $148,000 | $965,000 |
| Application Denied By Financial Institution | 347 | $73,931,000 | $213,000 | $1,181,000 | $108,000 | $1,752,000 |
| Application Withdrawn By Applicant | 154 | $38,083,000 | $247,000 | $1,500,000 | $165,000 | $3,600,000 |
| 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 |
|---|---|---|---|---|---|---|
| Other | 112 | $39,193,000 | $349,000 | $1,181,000 | $126,000 | $1,752,000 |
| Debt-To-Income Ratio | 108 | $16,985,000 | $157,000 | $740,000 | $82,000 | $275,000 |
| Credit History | 106 | $12,265,000 | $115,000 | $580,000 | $101,000 | $540,000 |
| Collateral | 17 | $4,283,000 | $251,000 | $650,000 | $190,000 | $914,000 |
| Credit Application Incomplete | 1 | $380,000 | $380,000 | $380,000 | $94,000 | $94,000 |
| Unverifiable Information | 1 | $58,000 | $58,000 | $58,000 | $56,000 | $56,000 |
| 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 2008 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.