Bethpage Federal Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2015
Bethpage Federal Credit Union 2015 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 | 4,274 |
| Total Mortgage Loan Application Amount | $1,419,513,000 |
| Average Mortgage Loan Application Amount | $268,666 |
| Highest Mortgage Loan Application Amount | $3,250,000 |
| Average Applicant Income | $155,666 |
| Highest Applicant Income | $4,346,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2015 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 2015 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 2015.
| 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 | 1,911 | $ 608,039,000 | $ 318,000 | $ 152,000 |
| Suffolk County New York | 1,656 | $ 463,217,000 | $ 279,000 | $ 143,000 |
| Queens County New York | 170 | $ 46,752,000 | $ 275,000 | $ 111,000 |
| New York County New York | 84 | $ 102,031,000 | $ 1,214,000 | $ 590,000 |
| Kings County New York | 66 | $ 60,189,000 | $ 911,000 | $ 326,000 |
| Westchester County New York | 40 | $ 31,526,000 | $ 788,000 | $ 359,000 |
| Brevard County Florida | 14 | $ 2,608,000 | $ 186,000 | $ 100,000 |
| Richmond County New York | 13 | $ 6,592,000 | $ 507,000 | $ 383,000 |
| Fairfield County Connecticut | 12 | $ 12,181,000 | $ 1,015,000 | $ 352,000 |
| Bergen County New Jersey | 10 | $ 9,970,000 | $ 997,000 | $ 439,000 |
| Broward County Florida | 9 | $ 1,681,000 | $ 186,000 | $ 211,000 |
| Palm Beach County Florida | 9 | $ 5,331,000 | $ 592,000 | $ 240,000 |
| Hudson County New Jersey | 9 | $ 3,602,000 | $ 400,000 | $ 171,000 |
| Martin County Florida | 8 | $ 900,000 | $ 112,000 | $ 184,000 |
| Bronx County New York | 8 | $ 4,115,000 | $ 514,000 | $ 181,000 |
| Lee County Florida | 7 | $ 1,272,000 | $ 181,000 | $ 136,000 |
| Greene County New York | 7 | $ 1,439,000 | $ 205,000 | $ 213,000 |
| Orange County New York | 6 | $ 1,382,000 | $ 230,000 | $ 165,000 |
| Wake County North Carolina | 6 | $ 590,000 | $ 98,000 | $ 107,000 |
| Monroe County Pennsylvania | 6 | $ 547,000 | $ 91,000 | $ 126,000 |
| New Haven County Connecticut | 5 | $ 1,563,000 | $ 312,000 | $ 165,000 |
| Collier County Florida | 5 | $ 838,000 | $ 167,000 | $ 168,000 |
| Burlington County New Jersey | 5 | $ 1,705,000 | $ 341,000 | $ 174,000 |
| Putnam County New York | 5 | $ 1,191,000 | $ 238,000 | $ 117,000 |
| Rockland County New York | 5 | $ 1,598,000 | $ 319,000 | $ 136,000 |
| Hillsborough County Florida | 4 | $ 813,000 | $ 203,000 | $ 316,000 |
| Gwinnett County Georgia | 4 | $ 809,000 | $ 202,000 | $ 105,000 |
| Middlesex County New Jersey | 4 | $ 1,279,000 | $ 319,000 | $ 152,000 |
| Monmouth County New Jersey | 4 | $ 1,225,000 | $ 306,000 | $ 122,000 |
| Passaic County New Jersey | 4 | $ 1,738,000 | $ 434,000 | $ 152,000 |
| Union County New Jersey | 4 | $ 3,098,000 | $ 774,000 | $ 400,000 |
| Lehigh County Pennsylvania | 4 | $ 885,000 | $ 221,000 | $ 99,000 |
| Pinellas County Florida | 3 | $ 516,000 | $ 172,000 | $ 157,000 |
| St. Johns County Florida | 3 | $ 418,000 | $ 139,000 | $ 94,000 |
| St. Lucie County Florida | 3 | $ 562,000 | $ 187,000 | $ 86,000 |
| Dutchess County New York | 3 | $ 1,154,000 | $ 384,000 | $ 317,000 |
| Chester County Pennsylvania | 3 | $ 1,333,000 | $ 444,000 | $ 209,000 |
| Wayne County Pennsylvania | 3 | $ 304,000 | $ 101,000 | $ 114,000 |
| Aiken County South Carolina | 3 | $ 1,021,000 | $ 340,000 | $ 118,000 |
| Horry County South Carolina | 3 | $ 364,000 | $ 121,000 | $ 72,000 |
| Los Angeles County California | 2 | $ 954,000 | $ 477,000 | $ 144,000 |
| San Diego County California | 2 | $ 749,000 | $ 374,000 | $ 168,000 |
| Douglas County Colorado | 2 | $ 305,000 | $ 152,000 | $ 186,000 |
| Litchfield County Connecticut | 2 | $ 1,077,000 | $ 538,000 | $ 413,000 |
| Sussex County Delaware | 2 | $ 565,000 | $ 282,000 | $ 118,000 |
| Flagler County Florida | 2 | $ 250,000 | $ 125,000 | $ 91,000 |
| Indian River County Florida | 2 | $ 467,000 | $ 233,000 | $ 198,000 |
| Manatee County Florida | 2 | $ 268,000 | $ 134,000 | $ 68,000 |
| Miami-Dade County Florida | 2 | $ 276,000 | $ 138,000 | $ 92,000 |
| Orange County Florida | 2 | $ 255,000 | $ 127,000 | $ 86,000 |
| Osceola County Florida | 2 | $ 346,000 | $ 173,000 | $ 141,000 |
| Pasco County Florida | 2 | $ 236,000 | $ 118,000 | $ 174,000 |
| Volusia County Florida | 2 | $ 228,000 | $ 114,000 | $ 72,000 |
| Worcester County Massachusetts | 2 | $ 389,000 | $ 194,000 | $ 193,000 |
| Camden County New Jersey | 2 | $ 290,000 | $ 145,000 | $ 89,000 |
| Essex County New Jersey | 2 | $ 1,094,000 | $ 547,000 | $ 192,000 |
| Ocean County New Jersey | 2 | $ 268,000 | $ 134,000 | $ 53,000 |
| Somerset County New Jersey | 2 | $ 724,000 | $ 362,000 | $ 110,000 |
| Delaware County New York | 2 | $ 329,000 | $ 164,000 | $ 100,000 |
| Warren County New York | 2 | $ 344,000 | $ 172,000 | $ 125,000 |
| Iredell County North Carolina | 2 | $ 175,000 | $ 87,000 | $ 70,000 |
| Johnston County North Carolina | 2 | $ 228,000 | $ 114,000 | $ 105,000 |
| Union County North Carolina | 2 | $ 427,000 | $ 213,000 | $ 100,000 |
| Multnomah County Oregon | 2 | $ 564,000 | $ 282,000 | $ 85,000 |
| Berkeley County South Carolina | 2 | $ 722,000 | $ 361,000 | $ 115,000 |
| Washington County Tennessee | 2 | $ 406,000 | $ 203,000 | $ 115,000 |
| Fairfax County Virginia | 2 | $ 522,000 | $ 261,000 | $ 126,000 |
| Loudoun County Virginia | 2 | $ 348,000 | $ 174,000 | $ 134,000 |
| Shelby County Alabama | 1 | $ 149,000 | $ 149,000 | $ 60,000 |
| Navajo County Arizona | 1 | $ 102,000 | $ 102,000 | $ 26,000 |
| Denver County Colorado | 1 | $ 250,000 | $ 250,000 | $ 63,000 |
| Kent County Delaware | 1 | $ 206,000 | $ 206,000 | $ 101,000 |
| District of Columbia County District Of Columbia | 1 | $ 313,000 | $ 313,000 | $ 174,000 |
| Citrus County Florida | 1 | $ 100,000 | $ 100,000 | $ 118,000 |
| Clay County Florida | 1 | $ 82,000 | $ 82,000 | $ 38,000 |
| Lake County Florida | 1 | $ 108,000 | $ 108,000 | $ 53,000 |
| Monroe County Florida | 1 | $ 2,470,000 | $ 2,470,000 | $ 3,554,000 |
| Sarasota County Florida | 1 | $ 220,000 | $ 220,000 | $ 224,000 |
| Walton County Florida | 1 | $ 364,000 | $ 364,000 | $ 210,000 |
| Chatham County Georgia | 1 | $ 215,000 | $ 215,000 | $ 38,000 |
| Coweta County Georgia | 1 | $ 140,000 | $ 140,000 | $ 130,000 |
| DeKalb County Georgia | 1 | $ 400,000 | $ 400,000 | $ 325,000 |
| Jones County Georgia | 1 | $ 178,000 | $ 178,000 | $ 93,000 |
| Cook County Illinois | 1 | $ 290,000 | $ 290,000 | $ 105,000 |
| Will County Illinois | 1 | $ 154,000 | $ 154,000 | $ 62,000 |
| Fayette County Kentucky | 1 | $ 230,000 | $ 230,000 | $ 94,000 |
| Nelson County Kentucky | 1 | $ 25,000 | $ 25,000 | $ 0 |
| York County Maine | 1 | $ 200,000 | $ 200,000 | $ 291,000 |
| Baltimore County Maryland | 1 | $ 344,000 | $ 344,000 | $ 121,000 |
| Calvert County Maryland | 1 | $ 352,000 | $ 352,000 | $ 77,000 |
| Talbot County Maryland | 1 | $ 120,000 | $ 120,000 | $ 76,000 |
| Berkshire County Massachusetts | 1 | $ 174,000 | $ 174,000 | $ 209,000 |
| Hampden County Massachusetts | 1 | $ 357,000 | $ 357,000 | $ 217,000 |
| Middlesex County Massachusetts | 1 | $ 142,000 | $ 142,000 | $ 54,000 |
| Norfolk County Massachusetts | 1 | $ 38,000 | $ 38,000 | $ 291,000 |
| Suffolk County Massachusetts | 1 | $ 380,000 | $ 380,000 | $ 65,000 |
| Oakland County Michigan | 1 | $ 196,000 | $ 196,000 | $ 76,000 |
| Washtenaw County Michigan | 1 | $ 272,000 | $ 272,000 | $ 154,000 |
| Jackson County Missouri | 1 | $ 99,000 | $ 99,000 | $ 61,000 |
| Clark County Nevada | 1 | $ 150,000 | $ 150,000 | $ 91,000 |
| Belknap County New Hampshire | 1 | $ 246,000 | $ 246,000 | $ 211,000 |
| Morris County New Jersey | 1 | $ 280,000 | $ 280,000 | $ 111,000 |
| Warren County New Jersey | 1 | $ 262,000 | $ 262,000 | $ 107,000 |
| Albany County New York | 1 | $ 216,000 | $ 216,000 | $ 78,000 |
| Broome County New York | 1 | $ 145,000 | $ 145,000 | $ 87,000 |
| Erie County New York | 1 | $ 127,000 | $ 127,000 | $ 92,000 |
| Fulton County New York | 1 | $ 88,000 | $ 88,000 | $ 114,000 |
| Jefferson County New York | 1 | $ 265,000 | $ 265,000 | $ 141,000 |
| Lewis County New York | 1 | $ 77,000 | $ 77,000 | $ 104,000 |
| Monroe County New York | 1 | $ 44,000 | $ 44,000 | $ 41,000 |
| Niagara County New York | 1 | $ 98,000 | $ 98,000 | $ 80,000 |
| Oneida County New York | 1 | $ 440,000 | $ 440,000 | $ 213,000 |
| Onondaga County New York | 1 | $ 192,000 | $ 192,000 | $ 109,000 |
| Schoharie County New York | 1 | $ 200,000 | $ 200,000 | $ 160,000 |
| Steuben County New York | 1 | $ 84,000 | $ 84,000 | $ 186,000 |
| Sullivan County New York | 1 | $ 324,000 | $ 324,000 | $ 97,000 |
| Washington County New York | 1 | $ 120,000 | $ 120,000 | $ 283,000 |
| Cabarrus County North Carolina | 1 | $ 332,000 | $ 332,000 | $ 136,000 |
| New Hanover County North Carolina | 1 | $ 174,000 | $ 174,000 | $ 249,000 |
| Pasquotank County North Carolina | 1 | $ 218,000 | $ 218,000 | $ 53,000 |
| Warren County Ohio | 1 | $ 270,000 | $ 270,000 | $ 94,000 |
| Adams County Pennsylvania | 1 | $ 275,000 | $ 275,000 | $ 220,000 |
| Bucks County Pennsylvania | 1 | $ 212,000 | $ 212,000 | $ 82,000 |
| Lackawanna County Pennsylvania | 1 | $ 260,000 | $ 260,000 | $ 109,000 |
| Montgomery County Pennsylvania | 1 | $ 308,000 | $ 308,000 | $ 93,000 |
| Union County Pennsylvania | 1 | $ 155,000 | $ 155,000 | $ 251,000 |
| York County Pennsylvania | 1 | $ 105,000 | $ 105,000 | $ 62,000 |
| Washington County Rhode Island | 1 | $ 320,000 | $ 320,000 | $ 209,000 |
| Beaufort County South Carolina | 1 | $ 123,000 | $ 123,000 | $ 32,000 |
| Dorchester County South Carolina | 1 | $ 128,000 | $ 128,000 | $ 32,000 |
| Georgetown County South Carolina | 1 | $ 255,000 | $ 255,000 | $ 198,000 |
| Lancaster County South Carolina | 1 | $ 200,000 | $ 200,000 | $ 120,000 |
| York County South Carolina | 1 | $ 265,000 | $ 265,000 | $ 175,000 |
| Sevier County Tennessee | 1 | $ 142,000 | $ 142,000 | $ 345,000 |
| Shelby County Tennessee | 1 | $ 80,000 | $ 80,000 | $ 114,000 |
| Wilson County Tennessee | 1 | $ 16,000 | $ 16,000 | $ 113,000 |
| Wasatch County Utah | 1 | $ 207,000 | $ 207,000 | $ 215,000 |
| Bennington County Vermont | 1 | $ 89,000 | $ 89,000 | $ 37,000 |
| Rutland County Vermont | 1 | $ 225,000 | $ 225,000 | $ 183,000 |
| Windham County Vermont | 1 | $ 143,000 | $ 143,000 | $ 275,000 |
| Gloucester County Virginia | 1 | $ 310,000 | $ 310,000 | $ 93,000 |
| Newport News County Virginia | 1 | $ 234,000 | $ 234,000 | $ 198,000 |
| Prince William County Virginia | 1 | $ 140,000 | $ 140,000 | $ 121,000 |
| Roanoke County Virginia | 1 | $ 212,000 | $ 212,000 | $ 70,000 |
| Roanoke City County Virginia | 1 | $ 212,000 | $ 212,000 | $ 59,000 |
| Spotsylvania County Virginia | 1 | $ 416,000 | $ 416,000 | $ 512,000 |
| Virginia Beach County Virginia | 1 | $ 132,000 | $ 132,000 | $ 78,000 |
| King County Washington | 1 | $ 500,000 | $ 500,000 | $ 151,000 |
Mortgage Loan Application Detail Totals for Bethpage Federal Credit Union in 2015
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 | 2,318 | $808,711,000 | $348,000 | $3,250,000 | $170,000 | $3,554,000 |
| Home Purchase | 1,552 | $575,039,000 | $370,000 | $3,000,000 | $157,000 | $3,725,000 |
| Home Improvement | 404 | $35,763,000 | $88,000 | $900,000 | $140,000 | $4,346,000 |
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 | 3,020 | $1,028,629,000 | $340,000 | $3,250,000 | $169,000 | $3,725,000 |
| Not Provided | 513 | $159,309,000 | $310,000 | $3,000,000 | $155,000 | $1,625,000 |
| Asian | 361 | $140,338,000 | $388,000 | $2,800,000 | $162,000 | $1,400,000 |
| Hispanic | 185 | $49,753,000 | $268,000 | $1,327,000 | $124,000 | $1,034,000 |
| Black or African American | 131 | $32,911,000 | $251,000 | $948,000 | $105,000 | $476,000 |
| Not applicable | 43 | $2,976,000 | $69,000 | $300,000 | $99,000 | $1,595,000 |
| American Indian or Alaskan Native | 15 | $3,952,000 | $263,000 | $534,000 | $162,000 | $337,000 |
| Native Hawaiian or Other Pacific Islander | 6 | $1,645,000 | $274,000 | $500,000 | $809,000 | $4,346,000 |
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) | 4,203 | $1,395,712,000 | $332,000 | $3,250,000 | $163,000 | $4,346,000 |
| FHA-insured (Federal Housing Administration) | 71 | $23,801,000 | $335,000 | $659,000 | $118,000 | $288,000 |
| 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 | 3,463 | $1,131,126,000 | $326,000 | $3,250,000 | $163,000 | $3,725,000 |
| Application Withdrawn By Applicant | 570 | $191,159,000 | $335,000 | $2,950,000 | $163,000 | $4,346,000 |
| Application Denied By Financial Institution | 219 | $80,666,000 | $368,000 | $3,000,000 | $146,000 | $1,592,000 |
| Application Approved But Not Accepted | 15 | $14,392,000 | $959,000 | $1,700,000 | $450,000 | $1,410,000 |
| File Closed For Incompleteness | 7 | $2,170,000 | $310,000 | $609,000 | $90,000 | $174,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 63 | $25,042,000 | $397,000 | $2,680,000 | $98,000 | $484,000 |
| Collateral | 50 | $13,491,000 | $269,000 | $775,000 | $138,000 | $1,400,000 |
| Credit History | 49 | $11,428,000 | $233,000 | $773,000 | $130,000 | $1,089,000 |
| Other | 32 | $22,161,000 | $692,000 | $3,000,000 | $288,000 | $1,592,000 |
| Unverifiable Information | 16 | $5,370,000 | $335,000 | $636,000 | $114,000 | $302,000 |
| Credit Application Incomplete | 4 | $1,684,000 | $421,000 | $619,000 | $204,000 | $377,000 |
| Employment History | 3 | $990,000 | $330,000 | $380,000 | $117,000 | $119,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $360,000 | $360,000 | $360,000 | $148,000 | $148,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Bethpage Federal Credit Union's 2015 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.