Bethpage Federal Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2012
Bethpage Federal Credit Union 2012 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 | 7,319 |
| Total Mortgage Loan Application Amount | $1,969,491,000 |
| Average Mortgage Loan Application Amount | $252,000 |
| Highest Mortgage Loan Application Amount | $3,000,000 |
| Average Applicant Income | $137,333 |
| Highest Applicant Income | $8,995,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2012 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 2012 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 2012.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Nassau County New York | 3,245 | $ 889,633,000 | $ 274,000 | $ 144,000 |
| Suffolk County New York | 3,120 | $ 810,466,000 | $ 259,000 | $ 138,000 |
| Queens County New York | 201 | $ 49,722,000 | $ 247,000 | $ 107,000 |
| New York County New York | 67 | $ 50,497,000 | $ 753,000 | $ 564,000 |
| Kings County New York | 44 | $ 15,612,000 | $ 354,000 | $ 220,000 |
| Westchester County New York | 41 | $ 19,592,000 | $ 477,000 | $ 349,000 |
| Brevard County Florida | 36 | $ 6,021,000 | $ 167,000 | $ 136,000 |
| Fairfield County Connecticut | 24 | $ 12,320,000 | $ 513,000 | $ 272,000 |
| Palm Beach County Florida | 22 | $ 4,182,000 | $ 190,000 | $ 177,000 |
| Broward County Florida | 14 | $ 1,748,000 | $ 124,000 | $ 129,000 |
| Bergen County New Jersey | 13 | $ 4,358,000 | $ 335,000 | $ 207,000 |
| Bronx County New York | 12 | $ 2,887,000 | $ 240,000 | $ 123,000 |
| St. Johns County Florida | 11 | $ 2,961,000 | $ 269,000 | $ 185,000 |
| Middlesex County New Jersey | 10 | $ 2,135,000 | $ 213,000 | $ 154,000 |
| Pinellas County Florida | 9 | $ 1,430,000 | $ 158,000 | $ 123,000 |
| Dutchess County New York | 9 | $ 2,078,000 | $ 230,000 | $ 117,000 |
| Wake County North Carolina | 9 | $ 1,880,000 | $ 208,000 | $ 105,000 |
| Fairfax County Virginia | 9 | $ 2,399,000 | $ 266,000 | $ 178,000 |
| Collier County Florida | 8 | $ 1,715,000 | $ 214,000 | $ 179,000 |
| Monmouth County New Jersey | 8 | $ 2,381,000 | $ 297,000 | $ 167,000 |
| Morris County New Jersey | 8 | $ 1,974,000 | $ 246,000 | $ 156,000 |
| Richmond County New York | 8 | $ 2,646,000 | $ 330,000 | $ 151,000 |
| Mecklenburg County North Carolina | 8 | $ 1,129,000 | $ 141,000 | $ 79,000 |
| Hartford County Connecticut | 7 | $ 2,407,000 | $ 343,000 | $ 203,000 |
| New Haven County Connecticut | 7 | $ 1,799,000 | $ 257,000 | $ 247,000 |
| Hillsborough County Florida | 7 | $ 1,249,000 | $ 178,000 | $ 201,000 |
| Martin County Florida | 7 | $ 1,156,000 | $ 165,000 | $ 147,000 |
| St. Lucie County Florida | 7 | $ 631,000 | $ 90,000 | $ 69,000 |
| Rockland County New York | 7 | $ 1,834,000 | $ 262,000 | $ 141,000 |
| Pike County Pennsylvania | 7 | $ 1,049,000 | $ 149,000 | $ 394,000 |
| Loudoun County Virginia | 7 | $ 1,869,000 | $ 267,000 | $ 143,000 |
| Lee County Florida | 6 | $ 664,000 | $ 110,000 | $ 96,000 |
| Montgomery County Maryland | 6 | $ 1,948,000 | $ 324,000 | $ 161,000 |
| Sarasota County Florida | 5 | $ 810,000 | $ 162,000 | $ 122,000 |
| Somerset County New Jersey | 5 | $ 1,600,000 | $ 320,000 | $ 119,000 |
| Bucks County Pennsylvania | 5 | $ 1,367,000 | $ 273,000 | $ 121,000 |
| Ventura County California | 4 | $ 1,388,000 | $ 347,000 | $ 278,000 |
| Marion County Florida | 4 | $ 496,000 | $ 124,000 | $ 88,000 |
| Orange County Florida | 4 | $ 833,000 | $ 208,000 | $ 83,000 |
| Osceola County Florida | 4 | $ 809,000 | $ 202,000 | $ 146,000 |
| Pasco County Florida | 4 | $ 547,000 | $ 136,000 | $ 79,000 |
| Gwinnett County Georgia | 4 | $ 486,000 | $ 121,000 | $ 64,000 |
| Burlington County New Jersey | 4 | $ 1,023,000 | $ 255,000 | $ 167,000 |
| Essex County New Jersey | 4 | $ 1,748,000 | $ 437,000 | $ 161,000 |
| Hudson County New Jersey | 4 | $ 1,342,000 | $ 335,000 | $ 180,000 |
| Delaware County New York | 4 | $ 591,000 | $ 147,000 | $ 125,000 |
| Greene County New York | 4 | $ 676,000 | $ 169,000 | $ 218,000 |
| Orange County New York | 4 | $ 1,877,000 | $ 469,000 | $ 98,000 |
| Putnam County New York | 4 | $ 876,000 | $ 219,000 | $ 202,000 |
| Ulster County New York | 4 | $ 1,109,000 | $ 277,000 | $ 166,000 |
| Monroe County Pennsylvania | 4 | $ 756,000 | $ 189,000 | $ 158,000 |
| Windham County Vermont | 4 | $ 738,000 | $ 184,000 | $ 152,000 |
| Maricopa County Arizona | 3 | $ 510,000 | $ 170,000 | $ 78,000 |
| Douglas County Colorado | 3 | $ 772,000 | $ 257,000 | $ 141,000 |
| Litchfield County Connecticut | 3 | $ 358,000 | $ 119,000 | $ 184,000 |
| Duval County Florida | 3 | $ 600,000 | $ 200,000 | $ 85,000 |
| Escambia County Florida | 3 | $ 138,000 | $ 46,000 | $ 72,000 |
| Flagler County Florida | 3 | $ 402,000 | $ 134,000 | $ 87,000 |
| Indian River County Florida | 3 | $ 275,000 | $ 91,000 | $ 96,000 |
| Polk County Florida | 3 | $ 418,000 | $ 139,000 | $ 129,000 |
| Volusia County Florida | 3 | $ 642,000 | $ 214,000 | $ 461,000 |
| Cobb County Georgia | 3 | $ 368,000 | $ 122,000 | $ 67,000 |
| Middlesex County Massachusetts | 3 | $ 1,127,000 | $ 375,000 | $ 146,000 |
| Hunterdon County New Jersey | 3 | $ 749,000 | $ 249,000 | $ 205,000 |
| Sullivan County New York | 3 | $ 1,050,000 | $ 350,000 | $ 264,000 |
| Allegheny County Pennsylvania | 3 | $ 421,000 | $ 140,000 | $ 98,000 |
| Berks County Pennsylvania | 3 | $ 533,000 | $ 177,000 | $ 135,000 |
| Lancaster County Pennsylvania | 3 | $ 423,000 | $ 141,000 | $ 89,000 |
| Lehigh County Pennsylvania | 3 | $ 842,000 | $ 280,000 | $ 180,000 |
| Montgomery County Pennsylvania | 3 | $ 722,000 | $ 240,000 | $ 99,000 |
| York County Pennsylvania | 3 | $ 517,000 | $ 172,000 | $ 90,000 |
| Orange County Vermont | 3 | $ 382,000 | $ 127,000 | $ 76,000 |
| Chesapeake County Virginia | 3 | $ 338,000 | $ 112,000 | $ 46,000 |
| Chesterfield County Virginia | 3 | $ 568,000 | $ 189,000 | $ 78,000 |
| Pima County Arizona | 2 | $ 492,000 | $ 246,000 | $ 129,000 |
| Alameda County California | 2 | $ 951,000 | $ 475,000 | $ 176,000 |
| Los Angeles County California | 2 | $ 950,000 | $ 475,000 | $ 233,000 |
| Boulder County Colorado | 2 | $ 482,000 | $ 241,000 | $ 170,000 |
| New London County Connecticut | 2 | $ 475,000 | $ 237,000 | $ 56,000 |
| Citrus County Florida | 2 | $ 303,000 | $ 151,000 | $ 50,000 |
| Hernando County Florida | 2 | $ 204,000 | $ 102,000 | $ 52,000 |
| Miami-Dade County Florida | 2 | $ 437,000 | $ 218,000 | $ 190,000 |
| Sumter County Florida | 2 | $ 127,000 | $ 63,000 | $ 89,000 |
| Chatham County Georgia | 2 | $ 418,000 | $ 209,000 | $ 150,000 |
| Cherokee County Georgia | 2 | $ 167,000 | $ 83,000 | $ 43,000 |
| Fulton County Georgia | 2 | $ 568,000 | $ 284,000 | $ 122,000 |
| Will County Illinois | 2 | $ 804,000 | $ 402,000 | $ 272,000 |
| Howard County Maryland | 2 | $ 734,000 | $ 367,000 | $ 163,000 |
| St. Mary's County Maryland | 2 | $ 278,000 | $ 139,000 | $ 153,000 |
| Barnstable County Massachusetts | 2 | $ 692,000 | $ 346,000 | $ 349,000 |
| Norfolk County Massachusetts | 2 | $ 482,000 | $ 241,000 | $ 197,000 |
| Clark County Nevada | 2 | $ 289,000 | $ 144,000 | $ 79,000 |
| Hillsborough County New Hampshire | 2 | $ 427,000 | $ 213,000 | $ 114,000 |
| Ocean County New Jersey | 2 | $ 284,000 | $ 142,000 | $ 103,000 |
| Sussex County New Jersey | 2 | $ 370,000 | $ 185,000 | $ 161,000 |
| Union County New Jersey | 2 | $ 669,000 | $ 334,000 | $ 158,000 |
| Albany County New York | 2 | $ 255,000 | $ 127,000 | $ 112,000 |
| Columbia County New York | 2 | $ 338,000 | $ 169,000 | $ 186,000 |
| Fulton County New York | 2 | $ 495,000 | $ 247,000 | $ 242,000 |
| Brunswick County North Carolina | 2 | $ 509,000 | $ 254,000 | $ 130,000 |
| Union County North Carolina | 2 | $ 221,000 | $ 110,000 | $ 79,000 |
| Chester County Pennsylvania | 2 | $ 404,000 | $ 202,000 | $ 116,000 |
| Lackawanna County Pennsylvania | 2 | $ 388,000 | $ 194,000 | $ 70,000 |
| Philadelphia County Pennsylvania | 2 | $ 205,000 | $ 102,000 | $ 67,000 |
| Wayne County Pennsylvania | 2 | $ 217,000 | $ 108,000 | $ 122,000 |
| Horry County South Carolina | 2 | $ 235,000 | $ 117,000 | $ 184,000 |
| Shelby County Tennessee | 2 | $ 101,000 | $ 50,000 | $ 29,000 |
| Alexandria County Virginia | 2 | $ 798,000 | $ 399,000 | $ 559,000 |
| Stafford County Virginia | 2 | $ 602,000 | $ 301,000 | $ 305,000 |
| Virginia Beach County Virginia | 2 | $ 493,000 | $ 246,000 | $ 167,000 |
| Snohomish County Washington | 2 | $ 660,000 | $ 330,000 | $ 148,000 |
| Mohave County Arizona | 1 | $ 190,000 | $ 190,000 | $ 65,000 |
| Contra Costa County California | 1 | $ 660,000 | $ 660,000 | $ 141,000 |
| Nevada County California | 1 | $ 256,000 | $ 256,000 | $ 250,000 |
| Placer County California | 1 | $ 177,000 | $ 177,000 | $ 69,000 |
| Riverside County California | 1 | $ 304,000 | $ 304,000 | $ 154,000 |
| San Diego County California | 1 | $ 417,000 | $ 417,000 | $ 397,000 |
| Denver County Colorado | 1 | $ 143,000 | $ 143,000 | $ 35,000 |
| Jefferson County Colorado | 1 | $ 180,000 | $ 180,000 | $ 151,000 |
| Larimer County Colorado | 1 | $ 210,000 | $ 210,000 | $ 187,000 |
| Tolland County Connecticut | 1 | $ 130,000 | $ 130,000 | $ 117,000 |
| Windham County Connecticut | 1 | $ 150,000 | $ 150,000 | $ 52,000 |
| Kent County Delaware | 1 | $ 197,000 | $ 197,000 | $ 92,000 |
| Sussex County Delaware | 1 | $ 92,000 | $ 92,000 | $ 52,000 |
| Charlotte County Florida | 1 | $ 100,000 | $ 100,000 | $ 173,000 |
| Lake County Florida | 1 | $ 122,000 | $ 122,000 | $ 55,000 |
| Okaloosa County Florida | 1 | $ 196,000 | $ 196,000 | $ 148,000 |
| Putnam County Florida | 1 | $ 115,000 | $ 115,000 | $ 71,000 |
| Seminole County Florida | 1 | $ 122,000 | $ 122,000 | $ 148,000 |
| Baldwin County Georgia | 1 | $ 65,000 | $ 65,000 | $ 111,000 |
| DeKalb County Georgia | 1 | $ 415,000 | $ 415,000 | $ 698,000 |
| Douglas County Georgia | 1 | $ 115,000 | $ 115,000 | $ 144,000 |
| Fayette County Georgia | 1 | $ 38,000 | $ 38,000 | $ 41,000 |
| Forsyth County Georgia | 1 | $ 287,000 | $ 287,000 | $ 109,000 |
| Meriwether County Georgia | 1 | $ 32,000 | $ 32,000 | $ 37,000 |
| Oconee County Georgia | 1 | $ 180,000 | $ 180,000 | $ 168,000 |
| Paulding County Georgia | 1 | $ 127,000 | $ 127,000 | $ 38,000 |
| Peach County Georgia | 1 | $ 103,000 | $ 103,000 | $ 150,000 |
| Kane County Illinois | 1 | $ 340,000 | $ 340,000 | $ 149,000 |
| Marion County Indiana | 1 | $ 101,000 | $ 101,000 | $ 51,000 |
| Nelson County Kentucky | 1 | $ 74,000 | $ 74,000 | $ 50,000 |
| Simpson County Kentucky | 1 | $ 45,000 | $ 45,000 | $ 158,000 |
| Cumberland County Maine | 1 | $ 406,000 | $ 406,000 | $ 325,000 |
| Hancock County Maine | 1 | $ 133,000 | $ 133,000 | $ 82,000 |
| Kennebec County Maine | 1 | $ 214,000 | $ 214,000 | $ 333,000 |
| Penobscot County Maine | 1 | $ 117,000 | $ 117,000 | $ 112,000 |
| Baltimore County Maryland | 1 | $ 193,000 | $ 193,000 | $ 274,000 |
| Calvert County Maryland | 1 | $ 280,000 | $ 280,000 | $ 166,000 |
| Carroll County Maryland | 1 | $ 150,000 | $ 150,000 | $ 90,000 |
| Charles County Maryland | 1 | $ 283,000 | $ 283,000 | $ 75,000 |
| Frederick County Maryland | 1 | $ 243,000 | $ 243,000 | $ 60,000 |
| Queen Anne's County Maryland | 1 | $ 203,000 | $ 203,000 | $ 97,000 |
| Talbot County Maryland | 1 | $ 92,000 | $ 92,000 | $ 137,000 |
| Hampden County Massachusetts | 1 | $ 288,000 | $ 288,000 | $ 98,000 |
| Oakland County Michigan | 1 | $ 45,000 | $ 45,000 | $ 170,000 |
| Hennepin County Minnesota | 1 | $ 274,000 | $ 274,000 | $ 132,000 |
| Wright County Minnesota | 1 | $ 105,000 | $ 105,000 | $ 78,000 |
| St. Charles County Missouri | 1 | $ 100,000 | $ 100,000 | $ 158,000 |
| St. Louis County Missouri | 1 | $ 220,000 | $ 220,000 | $ 24,000 |
| Grafton County New Hampshire | 1 | $ 108,000 | $ 108,000 | $ 46,000 |
| Merrimack County New Hampshire | 1 | $ 202,000 | $ 202,000 | $ 171,000 |
| Cape May County New Jersey | 1 | $ 87,000 | $ 87,000 | $ 195,000 |
| Gloucester County New Jersey | 1 | $ 213,000 | $ 213,000 | $ 114,000 |
| Mercer County New Jersey | 1 | $ 256,000 | $ 256,000 | $ 174,000 |
| Allegany County New York | 1 | $ 230,000 | $ 230,000 | $ 148,000 |
| Broome County New York | 1 | $ 60,000 | $ 60,000 | $ 41,000 |
| Chenango County New York | 1 | $ 150,000 | $ 150,000 | $ 75,000 |
| Franklin County New York | 1 | $ 945,000 | $ 945,000 | $ 1,557,000 |
| Otsego County New York | 1 | $ 52,000 | $ 52,000 | $ 170,000 |
| Saratoga County New York | 1 | $ 220,000 | $ 220,000 | $ 86,000 |
| Warren County New York | 1 | $ 224,000 | $ 224,000 | $ 103,000 |
| Wayne County New York | 1 | $ 154,000 | $ 154,000 | $ 77,000 |
| Yates County New York | 1 | $ 288,000 | $ 288,000 | $ 204,000 |
| Alexander County North Carolina | 1 | $ 399,000 | $ 399,000 | $ 279,000 |
| Ashe County North Carolina | 1 | $ 85,000 | $ 85,000 | $ 69,000 |
| Franklin County North Carolina | 1 | $ 164,000 | $ 164,000 | $ 58,000 |
| Guilford County North Carolina | 1 | $ 75,000 | $ 75,000 | $ 31,000 |
| Iredell County North Carolina | 1 | $ 55,000 | $ 55,000 | $ 73,000 |
| Johnston County North Carolina | 1 | $ 173,000 | $ 173,000 | $ 72,000 |
| Moore County North Carolina | 1 | $ 151,000 | $ 151,000 | $ 43,000 |
| New Hanover County North Carolina | 1 | $ 74,000 | $ 74,000 | $ 221,000 |
| Yadkin County North Carolina | 1 | $ 18,000 | $ 18,000 | $ 33,000 |
| Franklin County Ohio | 1 | $ 61,000 | $ 61,000 | $ 44,000 |
| Seneca County Ohio | 1 | $ 171,000 | $ 171,000 | $ 110,000 |
| Cumberland County Pennsylvania | 1 | $ 80,000 | $ 80,000 | $ 70,000 |
| Delaware County Pennsylvania | 1 | $ 100,000 | $ 100,000 | $ 57,000 |
| Lebanon County Pennsylvania | 1 | $ 246,000 | $ 246,000 | $ 75,000 |
| Luzerne County Pennsylvania | 1 | $ 168,000 | $ 168,000 | $ 122,000 |
| Mercer County Pennsylvania | 1 | $ 160,000 | $ 160,000 | $ 68,000 |
| Northampton County Pennsylvania | 1 | $ 63,000 | $ 63,000 | $ 114,000 |
| Beaufort County South Carolina | 1 | $ 213,000 | $ 213,000 | $ 95,000 |
| Berkeley County South Carolina | 1 | $ 517,000 | $ 517,000 | $ 210,000 |
| Charleston County South Carolina | 1 | $ 35,000 | $ 35,000 | $ 44,000 |
| Greenville County South Carolina | 1 | $ 68,000 | $ 68,000 | $ 75,000 |
| Lancaster County South Carolina | 1 | $ 25,000 | $ 25,000 | $ 20,000 |
| Oconee County South Carolina | 1 | $ 55,000 | $ 55,000 | $ 62,000 |
| Wilson County Tennessee | 1 | $ 178,000 | $ 178,000 | $ 81,000 |
| Washington County Vermont | 1 | $ 90,000 | $ 90,000 | $ 60,000 |
| Windsor County Vermont | 1 | $ 195,000 | $ 195,000 | $ 138,000 |
| Arlington County Virginia | 1 | $ 417,000 | $ 417,000 | $ 224,000 |
| Campbell County Virginia | 1 | $ 115,000 | $ 115,000 | $ 76,000 |
| Gloucester County Virginia | 1 | $ 35,000 | $ 35,000 | $ 87,000 |
| Goochland County Virginia | 1 | $ 215,000 | $ 215,000 | $ 60,000 |
| Harrisonburg County Virginia | 1 | $ 118,000 | $ 118,000 | $ 184,000 |
| Norfolk County Virginia | 1 | $ 315,000 | $ 315,000 | $ 149,000 |
| Spotsylvania County Virginia | 1 | $ 230,000 | $ 230,000 | $ 64,000 |
| Kanawha County West Virginia | 1 | $ 86,000 | $ 86,000 | $ 28,000 |
Mortgage Loan Application Detail Totals for Bethpage Federal Credit Union in 2012
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 | 5,126 | $1,449,559,000 | $282,000 | $3,000,000 | $155,000 | $8,995,000 |
| Home Improvement | 1,105 | $209,206,000 | $189,000 | $750,000 | $125,000 | $1,050,000 |
| Home Purchase | 1,088 | $310,726,000 | $285,000 | $2,350,000 | $132,000 | $2,500,000 |
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 | 5,383 | $1,452,879,000 | $269,000 | $3,000,000 | $147,000 | $8,995,000 |
| Not Provided | 1,049 | $281,493,000 | $268,000 | $1,037,000 | $165,000 | $6,215,000 |
| Asian | 423 | $132,413,000 | $313,000 | $2,150,000 | $145,000 | $2,198,000 |
| Hispanic | 279 | $65,310,000 | $234,000 | $725,000 | $110,000 | $573,000 |
| Black or African American | 162 | $31,773,000 | $196,000 | $482,000 | $91,000 | $228,000 |
| American Indian or Alaskan Native | 15 | $3,369,000 | $224,000 | $600,000 | $123,000 | $380,000 |
| Native Hawaiian or Other Pacific Islander | 8 | $2,254,000 | $281,000 | $450,000 | $111,000 | $155,000 |
| 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) | 7,100 | $1,902,405,000 | $267,000 | $3,000,000 | $148,000 | $8,995,000 |
| FHA-insured (Federal Housing Administration) | 219 | $67,086,000 | $306,000 | $663,000 | $115,000 | $430,000 |
| 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 | 4,837 | $1,275,059,000 | $263,000 | $3,000,000 | $147,000 | $8,995,000 |
| Application Withdrawn By Applicant | 1,496 | $436,446,000 | $291,000 | $3,000,000 | $160,000 | $2,500,000 |
| Application Denied By Financial Institution | 719 | $179,075,000 | $249,000 | $1,425,000 | $114,000 | $1,371,000 |
| Application Approved But Not Accepted | 245 | $72,963,000 | $297,000 | $1,477,000 | $164,000 | $1,557,000 |
| File Closed For Incompleteness | 22 | $5,948,000 | $270,000 | $570,000 | $124,000 | $303,000 |
| 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 |
|---|---|---|---|---|---|---|
| Other | 302 | $89,825,000 | $297,000 | $1,425,000 | $129,000 | $1,371,000 |
| Debt-To-Income Ratio | 129 | $30,317,000 | $235,000 | $1,000,000 | $83,000 | $391,000 |
| Credit History | 123 | $17,023,000 | $138,000 | $636,000 | $94,000 | $428,000 |
| Collateral | 75 | $16,310,000 | $217,000 | $417,000 | $132,000 | $720,000 |
| Credit Application Incomplete | 41 | $12,172,000 | $296,000 | $621,000 | $132,000 | $375,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 19 | $4,801,000 | $252,000 | $417,000 | $100,000 | $265,000 |
| Unverifiable Information | 8 | $2,907,000 | $363,000 | $623,000 | $136,000 | $256,000 |
| Mortgage Insurance Denied | 5 | $1,802,000 | $360,000 | $428,000 | $140,000 | $203,000 |
| Employment History | 3 | $555,000 | $185,000 | $254,000 | $64,000 | $75,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Bethpage Federal Credit Union's 2012 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.
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with aggregated HMDA statistics today.