Bethpage Federal Credit Union Mortgage Lending & HMDA Data, 2022

In 2022, Bethpage Federal Credit Union of Bethpage, NY reported 21,179 mortgage applications totaling $5.4 billion, down 5% from 2021. The average application was for $253,535, and applicants reported an average income of $180,744. 49% of its applications resulted in an originated loan and 37% were denied. Its largest markets were Nassau County-Suffolk County, NY (10,433), New York-Jersey City-White Plains, NY-NJ (2,546) and Los Angeles-Long Beach-Glendale, CA (552) (applications in parentheses).

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 2025  2024  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 21,179
Total Mortgage Loan Application Amount $5,369,620,000
Average Mortgage Loan Application Amount $253,535
Highest Mortgage Loan Application Amount $70,005,000
Average Applicant Income $180,744
Highest Applicant Income $8,400,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Bethpage Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.

Mortgage Loan Application Totals for Bethpage Federal Credit Union by County in 2022

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Suffolk, New York 5,460 $ 1,054,480,000 $ 193,128 $ 163,000
Nassau, New York 4,973 $ 1,096,095,000 $ 220,409 $ 182,000
Queens, New York 976 $ 307,905,000 $ 315,476 $ 148,000
Los Angeles, California 552 $ 188,090,000 $ 340,742 $ 242,000
Kings, New York 467 $ 175,065,000 $ 374,871 $ 204,000
Westchester, New York 334 $ 96,970,000 $ 290,329 $ 281,000
San Diego, California 253 $ 74,825,000 $ 295,750 $ 231,000
Maricopa, Arizona 246 $ 36,770,000 $ 149,471 $ 161,000
Orange, California 216 $ 61,080,000 $ 282,777 $ 241,000
New York, New York 205 $ 130,565,000 $ 636,902 $ 336,000
Palm Beach, Florida 183 $ 44,985,000 $ 245,819 $ 185,000
Alameda, California 156 $ 68,560,000 $ 439,487 $ 260,000
Riverside, California 138 $ 22,340,000 $ 161,884 $ 158,000
Fairfield, Connecticut 136 $ 51,520,000 $ 378,823 $ 292,000
Bergen, New Jersey 131 $ 72,015,000 $ 549,732 $ 244,000
Monmouth, New Jersey 125 $ 33,375,000 $ 267,000 $ 219,000
Broward, Florida 124 $ 26,890,000 $ 216,854 $ 229,000
Contra Costa, California 120 $ 48,260,000 $ 402,166 $ 293,000
King, Washington 120 $ 44,340,000 $ 369,500 $ 247,000
Richmond, New York 118 $ 24,960,000 $ 211,525 $ 161,000
Santa Clara, California 109 $ 67,575,000 $ 619,954 $ 309,000
Essex, New Jersey 103 $ 23,435,000 $ 227,524 $ 205,000
Miami-Dade, Florida 101 $ 43,975,000 $ 435,396 $ 249,000
Bronx, New York 100 $ 22,370,000 $ 223,700 $ 151,000
Rockland, New York 88 $ 35,980,000 $ 408,863 $ 206,000
Fulton, Georgia 85 $ 15,165,000 $ 178,411 $ 209,000
Cook, Illinois 82 $ 21,640,000 $ 263,902 $ 231,000
Clark, Nevada 81 $ 16,985,000 $ 209,691 $ 181,000
Ventura, California 80 $ 34,020,000 $ 425,250 $ 194,000
Hudson, New Jersey 78 $ 47,330,000 $ 606,794 $ 198,000
Ocean, New Jersey 75 $ 19,075,000 $ 254,333 $ 183,000
Cobb, Georgia 71 $ 9,195,000 $ 129,507 $ 127,000
Sacramento, California 70 $ 10,270,000 $ 146,714 $ 184,000
Hillsborough, Florida 70 $ 25,630,000 $ 366,142 $ 139,000
Middlesex, New Jersey 65 $ 13,155,000 $ 202,384 $ 271,000
Gwinnett, Georgia 64 $ 14,210,000 $ 222,031 $ 144,000
San Mateo, California 63 $ 28,455,000 $ 451,666 $ 278,000
San Bernardino, California 61 $ 8,825,000 $ 144,672 $ 157,000
Orange, New York 61 $ 12,185,000 $ 199,754 $ 147,000
Pinellas, Florida 59 $ 9,405,000 $ 159,406 $ 139,000
DeKalb, Georgia 58 $ 17,900,000 $ 308,620 $ 165,000
Union, New Jersey 55 $ 16,125,000 $ 293,181 $ 222,000
Mecklenburg, North Carolina 54 $ 51,470,000 $ 953,148 $ 163,000
Fairfax, Virginia 53 $ 11,245,000 $ 212,169 $ 207,000
Morris, New Jersey 52 $ 17,020,000 $ 327,307 $ 201,000
Lee, Florida 49 $ 9,535,000 $ 194,591 $ 148,000
Pasco, Florida 49 $ 8,995,000 $ 183,571 $ 143,000
Brevard, Florida 48 $ 5,610,000 $ 116,875 $ 122,000
Sarasota, Florida 48 $ 8,520,000 $ 177,500 $ 156,000
Orange, Florida 46 $ 6,580,000 $ 143,043 $ 156,000
Manatee, Florida 45 $ 8,735,000 $ 194,111 $ 172,000
New Haven, Connecticut 44 $ 59,050,000 $ 1,342,045 $ 130,000
Collier, Florida 44 $ 16,480,000 $ 374,545 $ 178,000
Wake, North Carolina 44 $ 25,560,000 $ 580,909 $ 151,000
Forsyth, Georgia 43 $ 8,805,000 $ 204,767 $ 166,000
Snohomish, Washington 42 $ 11,050,000 $ 263,095 $ 170,000
San Francisco, California 41 $ 15,695,000 $ 382,804 $ 271,000
Erie, New York 41 $ 4,015,000 $ 97,926 $ 117,000
Placer, California 38 $ 6,590,000 $ 173,421 $ 168,000
Middlesex, Massachusetts 38 $ 16,400,000 $ 431,578 $ 245,000
Duval, Florida 37 $ 4,825,000 $ 130,405 $ 100,000
St. Lucie, Florida 37 $ 4,685,000 $ 126,621 $ 99,000
Dutchess, New York 36 $ 7,730,000 $ 214,722 $ 190,000
Marin, California 35 $ 17,545,000 $ 501,285 $ 415,000
Loudoun, Virginia 35 $ 8,385,000 $ 239,571 $ 226,000
Burlington, New Jersey 34 $ 4,480,000 $ 131,764 $ 147,000
Somerset, New Jersey 34 $ 10,860,000 $ 319,411 $ 220,000
Pima, Arizona 32 $ 4,650,000 $ 145,312 $ 129,000
San Joaquin, California 32 $ 7,110,000 $ 222,187 $ 202,000
St. Johns, Florida 32 $ 5,590,000 $ 174,687 $ 163,000
Monroe, Pennsylvania 31 $ 6,015,000 $ 194,032 $ 139,000
Sonoma, California 29 $ 8,005,000 $ 276,034 $ 187,000
District of Columbia, District Of Columbia 29 $ 5,655,000 $ 195,000 $ 218,000
Chester, Pennsylvania 29 $ 5,935,000 $ 204,655 $ 203,000
Passaic, New Jersey 28 $ 5,600,000 $ 200,000 $ 165,000
Beaufort, South Carolina 28 $ 6,100,000 $ 217,857 $ 161,000
Montgomery, Pennsylvania 27 $ 4,765,000 $ 176,481 $ 138,000
Charleston, South Carolina 26 $ 6,460,000 $ 248,461 $ 204,000
Solano, California 25 $ 3,895,000 $ 155,800 $ 156,000
Cherokee, Georgia 25 $ 2,865,000 $ 114,600 $ 155,000
Pierce, Washington 25 $ 5,735,000 $ 229,400 $ 148,000
Polk, Florida 24 $ 3,140,000 $ 130,833 $ 118,000
Philadelphia, Pennsylvania 24 $ 9,730,000 $ 405,416 $ 119,000
Santa Barbara, California 23 $ 8,075,000 $ 351,086 $ 236,000
Santa Cruz, California 23 $ 6,215,000 $ 270,217 $ 224,000
Mercer, New Jersey 23 $ 5,425,000 $ 235,869 $ 249,000
Horry, South Carolina 23 $ 2,675,000 $ 116,304 $ 101,000
Prince William, Virginia 23 $ 3,495,000 $ 151,956 $ 180,000
Kern, California 22 $ 1,980,000 $ 90,000 $ 131,000
Marion, Florida 22 $ 8,530,000 $ 387,727 $ 79,000
Washoe, Nevada 22 $ 5,860,000 $ 266,363 $ 194,000
Monroe, New York 22 $ 2,170,000 $ 98,636 $ 83,000
Multnomah, Oregon 22 $ 3,100,000 $ 140,909 $ 161,000
Pike, Pennsylvania 22 $ 2,780,000 $ 126,363 $ 119,000
New Castle, Delaware 21 $ 3,125,000 $ 148,809 $ 143,000
Putnam, New York 21 $ 3,745,000 $ 178,333 $ 156,000
Hartford, Connecticut 20 $ 4,430,000 $ 221,500 $ 146,000
Martin, Florida 20 $ 2,470,000 $ 123,500 $ 175,000
Seminole, Florida 20 $ 2,920,000 $ 146,000 $ 164,000
Ulster, New York 20 $ 3,910,000 $ 195,500 $ 119,000
Clark, Washington 20 $ 4,390,000 $ 219,500 $ 163,000
Fresno, California 19 $ 1,605,000 $ 84,473 $ 123,000
Volusia, Florida 19 $ 3,015,000 $ 158,684 $ 149,000
Henry, Georgia 19 $ 1,935,000 $ 101,842 $ 105,000
Essex, Massachusetts 19 $ 4,715,000 $ 248,157 $ 187,000
Camden, New Jersey 19 $ 3,165,000 $ 166,578 $ 159,000
Onondaga, New York 19 $ 1,975,000 $ 103,947 $ 89,000
Sullivan, New York 19 $ 3,095,000 $ 162,894 $ 152,000
Osceola, Florida 18 $ 2,930,000 $ 162,777 $ 157,000
Union, North Carolina 18 $ 2,920,000 $ 162,222 $ 149,000
York, South Carolina 18 $ 1,520,000 $ 84,444 $ 174,000
Monterey, California 17 $ 2,285,000 $ 134,411 $ 124,000
Williamson, Tennessee 17 $ 4,845,000 $ 285,000 $ 238,000
Charlotte, Florida 16 $ 2,850,000 $ 178,125 $ 104,000
DuPage, Illinois 16 $ 3,140,000 $ 196,250 $ 174,000
Iredell, North Carolina 16 $ 2,040,000 $ 127,500 $ 94,000
Allegheny, Pennsylvania 16 $ 1,690,000 $ 105,625 $ 100,000
Pinal, Arizona 15 $ 1,475,000 $ 98,333 $ 137,000
San Luis Obispo, California 15 $ 3,985,000 $ 265,666 $ 176,000
Lake, Florida 15 $ 2,285,000 $ 152,333 $ 104,000
Hennepin, Minnesota 15 $ 3,365,000 $ 224,333 $ 177,000
Atlantic, New Jersey 15 $ 3,415,000 $ 227,666 $ 146,000
Sussex, New Jersey 15 $ 4,105,000 $ 273,666 $ 200,000
Greene, New York 15 $ 3,705,000 $ 247,000 $ 218,000
Buncombe, North Carolina 15 $ 3,045,000 $ 203,000 $ 123,000
Luzerne, Pennsylvania 15 $ 1,505,000 $ 100,333 $ 113,000
Davidson, Tennessee 15 $ 2,305,000 $ 153,666 $ 302,000
El Dorado, California 14 $ 3,280,000 $ 234,285 $ 203,000
Napa, California 14 $ 2,420,000 $ 172,857 $ 175,000
Norfolk, Massachusetts 14 $ 5,460,000 $ 390,000 $ 202,000
Delaware, Pennsylvania 14 $ 2,360,000 $ 168,571 $ 120,000
Clayton, Georgia 13 $ 24,765,000 $ 1,905,000 $ 61,000
Anne Arundel, Maryland 13 $ 2,675,000 $ 205,769 $ 160,000
Saratoga, New York 13 $ 1,555,000 $ 119,615 $ 97,000
Johnston, North Carolina 13 $ 1,355,000 $ 104,230 $ 110,000
Sumner, Tennessee 13 $ 2,605,000 $ 200,384 $ 253,000
Stanislaus, California 12 $ 1,070,000 $ 89,166 $ 118,000
Suffolk, Massachusetts 12 $ 3,550,000 $ 295,833 $ 167,000
Brunswick, North Carolina 12 $ 2,270,000 $ 189,166 $ 125,000
Durham, North Carolina 12 $ 1,140,000 $ 95,000 $ 154,000
Lehigh, Pennsylvania 12 $ 1,010,000 $ 84,166 $ 98,000
Virginia Beach, Virginia 12 $ 1,270,000 $ 105,833 $ 181,000
Nevada, California 11 $ 6,045,000 $ 549,545 $ 317,000
Hernando, Florida 11 $ 1,035,000 $ 94,090 $ 116,000
Columbia, Georgia 11 $ 1,115,000 $ 101,363 $ 269,000
Fayette, Georgia 11 $ 925,000 $ 84,090 $ 173,000
Montgomery, Maryland 11 $ 2,225,000 $ 202,272 $ 207,000
Worcester, Massachusetts 11 $ 2,475,000 $ 225,000 $ 169,000
Gloucester, New Jersey 11 $ 945,000 $ 85,909 $ 115,000
Hunterdon, New Jersey 11 $ 2,655,000 $ 241,363 $ 192,000
Bernalillo, New Mexico 11 $ 1,255,000 $ 114,090 $ 145,000
Delaware, New York 11 $ 885,000 $ 80,454 $ 128,000
Catawba, North Carolina 11 $ 1,365,000 $ 124,090 $ 111,000
Arapahoe, Colorado 10 $ 960,000 $ 96,000 $ 118,000
Denver, Colorado 10 $ 3,720,000 $ 372,000 $ 340,000
Tolland, Connecticut 10 $ 1,120,000 $ 112,000 $ 163,000
Sussex, Delaware 10 $ 3,000,000 $ 300,000 $ 163,000
Indian River, Florida 10 $ 900,000 $ 90,000 $ 86,000
Sumter, Florida 10 $ 3,340,000 $ 334,000 $ 144,000
Coweta, Georgia 10 $ 980,000 $ 98,000 $ 103,000
Hall, Georgia 10 $ 6,160,000 $ 616,000 $ 141,000
Oneida, New York 10 $ 1,290,000 $ 129,000 $ 84,000
New Hanover, North Carolina 10 $ 2,330,000 $ 233,000 $ 219,000
Washington, Oregon 10 $ 1,870,000 $ 187,000 $ 178,000
Bucks, Pennsylvania 10 $ 2,200,000 $ 220,000 $ 190,000
Providence, Rhode Island 10 $ 570,000 $ 57,000 $ 93,000
Salt Lake, Utah 10 $ 1,580,000 $ 158,000 $ 149,000
Chesterfield, Virginia 10 $ 1,280,000 $ 128,000 $ 96,000
Kitsap, Washington 10 $ 2,180,000 $ 218,000 $ 221,000
Spokane, Washington 10 $ 1,640,000 $ 164,000 $ 89,000
Boulder, Colorado 9 $ 2,265,000 $ 251,666 $ 269,000
Jefferson, Colorado 9 $ 1,435,000 $ 159,444 $ 187,000
New London, Connecticut 9 $ 1,575,000 $ 175,000 $ 189,000
Clay, Florida 9 $ 955,000 $ 106,111 $ 187,000
Barrow, Georgia 9 $ 855,000 $ 95,000 $ 106,000
Kane, Illinois 9 $ 1,155,000 $ 128,333 $ 111,000
Lake, Indiana 9 $ 905,000 $ 100,555 $ 129,000
Bristol, Massachusetts 9 $ 1,995,000 $ 221,666 $ 245,000
St. Louis, Missouri 9 $ 705,000 $ 78,333 $ 140,000
Warren, New Jersey 9 $ 2,355,000 $ 261,666 $ 106,000
Schenectady, New York 9 $ 1,385,000 $ 153,888 $ 137,000
Cabarrus, North Carolina 9 $ 1,775,000 $ 197,222 $ 163,000
Guilford, North Carolina 9 $ 2,665,000 $ 296,111 $ 132,000
Wayne, Pennsylvania 9 $ 1,745,000 $ 193,888 $ 175,000
Spartanburg, South Carolina 9 $ 555,000 $ 61,666 $ 95,000
Arlington, Virginia 9 $ 2,285,000 $ 253,888 $ 337,000
Mohave, Arizona 8 $ 1,450,000 $ 181,250 $ 145,000
Litchfield, Connecticut 8 $ 2,880,000 $ 360,000 $ 466,000
Alachua, Florida 8 $ 860,000 $ 107,500 $ 182,000
Flagler, Florida 8 $ 1,130,000 $ 141,250 $ 128,000
Bryan, Georgia 8 $ 860,000 $ 107,500 $ 94,000
Douglas, Georgia 8 $ 10,160,000 $ 1,270,000 $ 94,000
Frederick, Maryland 8 $ 1,360,000 $ 170,000 $ 188,000
Oakland, Michigan 8 $ 1,460,000 $ 182,500 $ 260,000
Otsego, New York 8 $ 1,900,000 $ 237,500 $ 126,000
Summit, Ohio 8 $ 710,000 $ 88,750 $ 130,000
Clackamas, Oregon 8 $ 1,550,000 $ 193,750 $ 262,000
Lancaster, Pennsylvania 8 $ 1,590,000 $ 198,750 $ 134,000
Chesapeake, Virginia 8 $ 940,000 $ 117,500 $ 619,000
Calaveras, California 7 $ 1,225,000 $ 175,000 $ 160,000
Tulare, California 7 $ 1,155,000 $ 165,000 $ 111,000
Citrus, Florida 7 $ 735,000 $ 105,000 $ 84,000
Okaloosa, Florida 7 $ 795,000 $ 113,571 $ 97,000
Santa Rosa, Florida 7 $ 815,000 $ 116,428 $ 107,000
Chatham, Georgia 7 $ 655,000 $ 93,571 $ 101,000
Jackson, Georgia 7 $ 765,000 $ 109,285 $ 107,000
Rockdale, Georgia 7 $ 705,000 $ 100,714 $ 154,000
Johnson, Kansas 7 $ 705,000 $ 100,714 $ 144,000
Jefferson, Kentucky 7 $ 435,000 $ 62,142 $ 104,000
Howard, Maryland 7 $ 2,595,000 $ 370,714 $ 195,000
Prince George's, Maryland 7 $ 705,000 $ 100,714 $ 127,000
Plymouth, Massachusetts 7 $ 1,955,000 $ 279,285 $ 184,000
Ramsey, Minnesota 7 $ 735,000 $ 105,000 $ 149,000
Niagara, New York 7 $ 755,000 $ 107,857 $ 156,000
Cuyahoga, Ohio 7 $ 435,000 $ 62,142 $ 100,000
Montgomery, Ohio 7 $ 535,000 $ 76,428 $ 97,000
Oklahoma, Oklahoma 7 $ 9,165,000 $ 1,309,285 $ 139,000
Northampton, Pennsylvania 7 $ 1,375,000 $ 196,428 $ 134,000
Travis, Texas 7 $ 1,615,000 $ 230,714 $ 259,000
Middlesex, Connecticut 6 $ 1,140,000 $ 190,000 $ 262,000
Escambia, Florida 6 $ 930,000 $ 155,000 $ 120,000
Paulding, Georgia 6 $ 570,000 $ 95,000 $ 108,000
McHenry, Illinois 6 $ 490,000 $ 81,666 $ 102,000
Will, Illinois 6 $ 1,110,000 $ 185,000 $ 145,000
Orleans, Louisiana 6 $ 1,370,000 $ 228,333 $ 159,000
Baltimore, Maryland 6 $ 640,000 $ 106,666 $ 132,000
Baltimore City, Maryland 6 $ 590,000 $ 98,333 $ 115,000
Barnstable, Massachusetts 6 $ 1,690,000 $ 281,666 $ 143,000
Albany, New York 6 $ 800,000 $ 133,333 $ 125,000
Forsyth, North Carolina 6 $ 710,000 $ 118,333 $ 74,000
Gaston, North Carolina 6 $ 22,630,000 $ 3,771,666 $ 105,000
Clatsop, Oregon 6 $ 1,560,000 $ 260,000 $ 105,000
Lackawanna, Pennsylvania 6 $ 810,000 $ 135,000 $ 126,000
Greenville, South Carolina 6 $ 2,870,000 $ 478,333 $ 113,000
Hamilton, Tennessee 6 $ 670,000 $ 111,666 $ 102,000
Henrico, Virginia 6 $ 450,000 $ 75,000 $ 171,000
Thurston, Washington 6 $ 720,000 $ 120,000 $ 112,000
Whatcom, Washington 6 $ 970,000 $ 161,666 $ 110,000
Madera, California 5 $ 705,000 $ 141,000 $ 120,000
Douglas, Colorado 5 $ 1,095,000 $ 219,000 $ 330,000
Leon, Florida 5 $ 255,000 $ 51,000 $ 58,000
Monroe, Florida 5 $ 835,000 $ 167,000 $ 208,000
Walton, Florida 5 $ 1,885,000 $ 377,000 $ 238,000
Gordon, Georgia 5 $ 435,000 $ 87,000 $ 122,000
Walton, Georgia 5 $ 285,000 $ 57,000 $ 87,000
Kauai, Hawaii 5 $ 825,000 $ 165,000 $ 120,000
Lake, Illinois 5 $ 1,405,000 $ 281,000 $ 201,000
Marion, Indiana 5 $ 515,000 $ 103,000 $ 63,000
East Baton Rouge, Louisiana 5 $ 325,000 $ 65,000 $ 97,000
Hampden, Massachusetts 5 $ 325,000 $ 65,000 $ 113,000
Wayne, Michigan 5 $ 345,000 $ 69,000 $ 82,000
Anoka, Minnesota 5 $ 625,000 $ 125,000 $ 117,000
Jackson, Missouri 5 $ 855,000 $ 171,000 $ 110,000
Hillsborough, New Hampshire 5 $ 925,000 $ 185,000 $ 119,000
Chemung, New York 5 $ 505,000 $ 101,000 $ 102,000
Livingston, New York 5 $ 395,000 $ 79,000 $ 126,000
Steuben, New York 5 $ 445,000 $ 89,000 $ 127,000
Moore, North Carolina 5 $ 465,000 $ 93,000 $ 109,000
Pender, North Carolina 5 $ 735,000 $ 147,000 $ 179,000
Franklin, Ohio 5 $ 545,000 $ 109,000 $ 96,000
Jackson, Oregon 5 $ 635,000 $ 127,000 $ 165,000
Berks, Pennsylvania 5 $ 665,000 $ 133,000 $ 88,000
Cambria, Pennsylvania 5 $ 235,000 $ 47,000 $ 36,000
Dorchester, South Carolina 5 $ 395,000 $ 79,000 $ 250,000
Rutherford, Tennessee 5 $ 605,000 $ 121,000 $ 69,000
Shelby, Tennessee 5 $ 415,000 $ 83,000 $ 96,000
Tarrant, Texas 5 $ 565,000 $ 113,000 $ 157,000
Utah, Utah 5 $ 935,000 $ 187,000 $ 179,000
Alexandria, Virginia 5 $ 375,000 $ 75,000 $ 172,000
New Kent, Virginia 5 $ 905,000 $ 181,000 $ 117,000
Jefferson, Alabama 4 $ 600,000 $ 150,000 $ 107,000
Madison, Alabama 4 $ 87,840,000 $ 21,960,000 $ 73,000
Coconino, Arizona 4 $ 1,050,000 $ 262,500 $ 94,000
Yavapai, Arizona 4 $ 990,000 $ 247,500 $ 164,000
Benton, Arkansas 4 $ 410,000 $ 102,500 $ 112,000
Butte, California 4 $ 210,000 $ 52,500 $ 112,000
Humboldt, California 4 $ 1,140,000 $ 285,000 $ 167,000
Shasta, California 4 $ 490,000 $ 122,500 $ 201,000
Tuolumne, California 4 $ 730,000 $ 182,500 $ 243,000
Kent, Delaware 4 $ 470,000 $ 117,500 $ 55,000
Nassau, Florida 4 $ 1,440,000 $ 360,000 $ 186,000
Carroll, Georgia 4 $ 190,000 $ 47,500 $ 84,000
Newton, Georgia 4 $ 220,000 $ 55,000 $ 62,000
Honolulu, Hawaii 4 $ 880,000 $ 220,000 $ 101,000
Canyon, Idaho 4 $ 450,000 $ 112,500 $ 98,000
Champaign, Illinois 4 $ 390,000 $ 97,500 $ 317,000
Cumberland, Maine 4 $ 820,000 $ 205,000 $ 101,000
Macomb, Michigan 4 $ 290,000 $ 72,500 $ 129,000
Saginaw, Michigan 4 $ 550,000 $ 137,500 $ 155,000
Dakota, Minnesota 4 $ 1,210,000 $ 302,500 $ 179,000
Douglas, Nebraska 4 $ 200,000 $ 50,000 $ 90,000
Sandoval, New Mexico 4 $ 550,000 $ 137,500 $ 144,000
Broome, New York 4 $ 900,000 $ 225,000 $ 131,000
Clinton, New York 4 $ 130,000 $ 32,500 $ 65,000
Columbia, New York 4 $ 860,000 $ 215,000 $ 263,000
Rensselaer, New York 4 $ 320,000 $ 80,000 $ 146,000
Schoharie, New York 4 $ 480,000 $ 120,000 $ 129,000
Warren, New York 4 $ 550,000 $ 137,500 $ 95,000
Cumberland, North Carolina 4 $ 400,000 $ 100,000 $ 118,000
Harnett, North Carolina 4 $ 13,090,000 $ 3,272,500 $ 89,000
Henderson, North Carolina 4 $ 1,170,000 $ 292,500 $ 226,000
Orange, North Carolina 4 $ 340,000 $ 85,000 $ 126,000
Mahoning, Ohio 4 $ 1,670,000 $ 417,500 $ 280,000
Cumberland, Pennsylvania 4 $ 820,000 $ 205,000 $ 146,000
Dauphin, Pennsylvania 4 $ 610,000 $ 152,500 $ 133,000
Franklin, Pennsylvania 4 $ 710,000 $ 177,500 $ 76,000
Berkeley, South Carolina 4 $ 1,190,000 $ 297,500 $ 132,000
Georgetown, South Carolina 4 $ 1,060,000 $ 265,000 $ 167,000
Lancaster, South Carolina 4 $ 530,000 $ 132,500 $ 203,000
Richland, South Carolina 4 $ 390,000 $ 97,500 $ 124,000
Wilson, Tennessee 4 $ 1,270,000 $ 317,500 $ 274,000
Windsor, Vermont 4 $ 830,000 $ 207,500 $ 155,000
Accomack, Virginia 4 $ 140,000 $ 35,000 $ 88,000
Fauquier, Virginia 4 $ 1,730,000 $ 432,500 $ 242,000
James City, Virginia 4 $ 360,000 $ 90,000 $ 272,000
Norfolk, Virginia 4 $ 310,000 $ 77,500 $ 81,000
Benton, Washington 4 $ 1,190,000 $ 297,500 $ 138,000
Yakima, Washington 4 $ 1,030,000 $ 257,500 $ 161,000
Jefferson, West Virginia 4 $ 200,000 $ 50,000 $ 138,000
Milwaukee, Wisconsin 4 $ 320,000 $ 80,000 $ 176,000
Waukesha, Wisconsin 4 $ 1,590,000 $ 397,500 $ 138,000
Amador, California 3 $ 145,000 $ 48,333 $ 106,000
Kings, California 3 $ 265,000 $ 88,333 $ 114,000
Merced, California 3 $ 175,000 $ 58,333 $ 140,000
San Benito, California 3 $ 2,135,000 $ 711,666 $ 371,000
Yolo, California 3 $ 715,000 $ 238,333 $ 139,000
Yuba, California 3 $ 345,000 $ 115,000 $ 122,000
Adams, Colorado 3 $ 1,365,000 $ 455,000 $ 90,000
El Paso, Colorado 3 $ 1,075,000 $ 358,333 $ 212,000
San Miguel, Colorado 3 $ 225,000 $ 75,000 $ 1,646,000
Windham, Connecticut 3 $ 225,000 $ 75,000 $ 100,000
Bay, Florida 3 $ 1,015,000 $ 338,333 $ 145,000
Jackson, Florida 3 $ 405,000 $ 135,000 $ 54,000
Putnam, Florida 3 $ 765,000 $ 255,000 $ 57,000
Baldwin, Georgia 3 $ 535,000 $ 178,333 $ 152,000
Bartow, Georgia 3 $ 185,000 $ 61,666 $ 84,000
Bibb, Georgia 3 $ 195,000 $ 65,000 $ 94,000
Camden, Georgia 3 $ 945,000 $ 315,000 $ 86,000
Fannin, Georgia 3 $ 475,000 $ 158,333 $ 272,000
Hawaii, Hawaii 3 $ 445,000 $ 148,333 $ 66,000
Maui, Hawaii 3 $ 1,505,000 $ 501,666 $ 392,000
Ada, Idaho 3 $ 775,000 $ 258,333 $ 107,000
Winnebago, Illinois 3 $ 12,895,000 $ 4,298,333 $ 120,000
Hamilton, Indiana 3 $ 405,000 $ 135,000 $ 135,000
Bullitt, Kentucky 3 $ 395,000 $ 131,666 $ 112,000
Kenton, Kentucky 3 $ 155,000 $ 51,666 $ 90,000
Jefferson, Louisiana 3 $ 445,000 $ 148,333 $ 86,000
St. Tammany, Louisiana 3 $ 135,000 $ 45,000 $ 92,000
Calvert, Maryland 3 $ 225,000 $ 75,000 $ 110,000
Carroll, Maryland 3 $ 775,000 $ 258,333 $ 239,000
Hampshire, Massachusetts 3 $ 635,000 $ 211,666 $ 151,000
Kent, Michigan 3 $ 225,000 $ 75,000 $ 131,000
Flathead, Montana 3 $ 305,000 $ 101,666 $ 441,000
Missoula, Montana 3 $ 205,000 $ 68,333 $ 129,000
Ravalli, Montana 3 $ 205,000 $ 68,333 $ 90,000
Douglas, Nevada 3 $ 675,000 $ 225,000 $ 111,000
Rockingham, New Hampshire 3 $ 265,000 $ 88,333 $ 92,000
Santa Fe, New Mexico 3 $ 225,000 $ 75,000 $ 79,000
Cattaraugus, New York 3 $ 165,000 $ 55,000 $ 107,000
Chautauqua, New York 3 $ 405,000 $ 135,000 $ 44,000
Essex, New York 3 $ 485,000 $ 161,666 $ 167,000
Fulton, New York 3 $ 375,000 $ 125,000 $ 136,000
Montgomery, New York 3 $ 365,000 $ 121,666 $ 89,000
Tompkins, New York 3 $ 695,000 $ 231,666 $ 574,000
Washington, New York 3 $ 235,000 $ 78,333 $ 93,000
Wayne, New York 3 $ 415,000 $ 138,333 $ 72,000
Carteret, North Carolina 3 $ 755,000 $ 251,666 $ 167,000
Chatham, North Carolina 3 $ 275,000 $ 91,666 $ 168,000
Dare, North Carolina 3 $ 255,000 $ 85,000 $ 87,000
Haywood, North Carolina 3 $ 195,000 $ 65,000 $ 132,000
Lincoln, North Carolina 3 $ 405,000 $ 135,000 $ 69,000
Onslow, North Carolina 3 $ 865,000 $ 288,333 $ 135,000
Rutherford, North Carolina 3 $ 635,000 $ 211,666 $ 85,000
Wilson, North Carolina 3 $ 425,000 $ 141,666 $ 86,000
Hamilton, Ohio 3 $ 355,000 $ 118,333 $ 180,000
Deschutes, Oregon 3 $ 1,265,000 $ 421,666 $ 532,000
Lane, Oregon 3 $ 505,000 $ 168,333 $ 166,000
Carbon, Pennsylvania 3 $ 215,000 $ 71,666 $ 67,000
Schuylkill, Pennsylvania 3 $ 125,000 $ 41,666 $ 45,000
Washington, Rhode Island 3 $ 215,000 $ 71,666 $ 117,000
Lexington, South Carolina 3 $ 425,000 $ 141,666 $ 152,000
Loudon, Tennessee 3 $ 605,000 $ 201,666 $ 165,000
Robertson, Tennessee 3 $ 985,000 $ 328,333 $ 110,000
Washington, Tennessee 3 $ 325,000 $ 108,333 $ 67,000
Denton, Texas 3 $ 515,000 $ 171,666 $ 208,000
Washington, Utah 3 $ 195,000 $ 65,000 $ 82,000
Page, Virginia 3 $ 795,000 $ 265,000 $ 147,000
Richmond City, Virginia 3 $ 555,000 $ 185,000 $ 187,000
Spotsylvania, Virginia 3 $ 125,000 $ 41,666 $ 150,000
Stafford, Virginia 3 $ 455,000 $ 151,666 $ 141,000
Clallam, Washington 3 $ 385,000 $ 128,333 $ 71,000
Skagit, Washington 3 $ 855,000 $ 285,000 $ 223,000
Berkeley, West Virginia 3 $ 525,000 $ 175,000 $ 98,000
Teton, Wyoming 3 $ 675,000 $ 225,000 $ 277,000
Geneva, Alabama 2 $ 50,000 $ 25,000 $ 112,000
Limestone, Alabama 2 $ 60,000 $ 30,000 $ 81,000
Mobile, Alabama 2 $ 200,000 $ 100,000 $ 37,000
Navajo, Arizona 2 $ 110,000 $ 55,000 $ 50,000
Pulaski, Arkansas 2 $ 12,050,000 $ 6,025,000 $ 220,000
Imperial, California 2 $ 50,000 $ 25,000 $ 46,000
Lake, California 2 $ 80,000 $ 40,000 $ 56,000
Mono, California 2 $ 720,000 $ 360,000 $ 464,000
Plumas, California 2 $ 150,000 $ 75,000 $ 38,000
Siskiyou, California 2 $ 130,000 $ 65,000 $ 88,000
Broomfield, Colorado 2 $ 500,000 $ 250,000 $ 349,000
Eagle, Colorado 2 $ 2,020,000 $ 1,010,000 $ 884,000
Gunnison, Colorado 2 $ 760,000 $ 380,000 $ 93,000
Ouray, Colorado 2 $ 130,000 $ 65,000 $ 110,000
Highlands, Florida 2 $ 440,000 $ 220,000 $ 143,000
Clarke, Georgia 2 $ 220,000 $ 110,000 $ 71,000
Dawson, Georgia 2 $ 210,000 $ 105,000 $ 189,000
Effingham, Georgia 2 $ 100,000 $ 50,000 $ 90,000
Floyd, Georgia 2 $ 80,000 $ 40,000 $ 67,000
Habersham, Georgia 2 $ 100,000 $ 50,000 $ 69,000
Hart, Georgia 2 $ 480,000 $ 240,000 $ 104,000
Houston, Georgia 2 $ 250,000 $ 125,000 $ 99,000
Lee, Georgia 2 $ 120,000 $ 60,000 $ 41,000
Morgan, Georgia 2 $ 610,000 $ 305,000 $ 235,000
Pickens, Georgia 2 $ 100,000 $ 50,000 $ 129,000
Richmond, Georgia 2 $ 90,000 $ 45,000 $ 117,000
Tift, Georgia 2 $ 110,000 $ 55,000 $ 157,000
Gem, Idaho 2 $ 390,000 $ 195,000 $ 116,000
Latah, Idaho 2 $ 150,000 $ 75,000 $ 98,000
DeKalb, Illinois 2 $ 70,000 $ 35,000 $ 112,000
Allen, Indiana 2 $ 130,000 $ 65,000 $ 103,000
Dubois, Indiana 2 $ 160,000 $ 80,000 $ 63,000
Polk, Iowa 2 $ 120,000 $ 60,000 $ 78,000
Pottawattamie, Iowa 2 $ 30,000 $ 15,000 $ 41,000
Sedgwick, Kansas 2 $ 60,000 $ 30,000 $ 59,000
Boyd, Kentucky 2 $ 160,000 $ 80,000 $ 67,000
Madison, Kentucky 2 $ 100,000 $ 50,000 $ 101,000
Caddo, Louisiana 2 $ 70,000 $ 35,000 $ 22,000
Aroostook, Maine 2 $ 90,000 $ 45,000 $ 118,000
Hancock, Maine 2 $ 280,000 $ 140,000 $ 86,000
Kennebec, Maine 2 $ 260,000 $ 130,000 $ 127,000
York, Maine 2 $ 260,000 $ 130,000 $ 80,000
Washington, Maryland 2 $ 60,000 $ 30,000 $ 165,000
Berkshire, Massachusetts 2 $ 200,000 $ 100,000 $ 159,000
Berrien, Michigan 2 $ 440,000 $ 220,000 $ 103,000
Eaton, Michigan 2 $ 11,750,000 $ 5,875,000 $ 79,000
Genesee, Michigan 2 $ 60,000 $ 30,000 $ 39,000
Muskegon, Michigan 2 $ 120,000 $ 60,000 $ 109,000
Ottawa, Michigan 2 $ 190,000 $ 95,000 $ 77,000
Sanilac, Michigan 2 $ 350,000 $ 175,000 $ 114,000
Washtenaw, Michigan 2 $ 330,000 $ 165,000 $ 136,000
Carver, Minnesota 2 $ 410,000 $ 205,000 $ 136,000
Mower, Minnesota 2 $ 60,000 $ 30,000 $ 129,000
Washington, Minnesota 2 $ 460,000 $ 230,000 $ 377,000
Harrison, Mississippi 2 $ 280,000 $ 140,000 $ 163,000
Clay, Missouri 2 $ 90,000 $ 45,000 $ 76,000
Gallatin, Montana 2 $ 350,000 $ 175,000 $ 110,000
Park, Montana 2 $ 610,000 $ 305,000 $ 93,000
Silver Bow, Montana 2 $ 170,000 $ 85,000 $ 91,000
Wheatland, Montana 2 $ 80,000 $ 40,000 $ 62,000
Lancaster, Nebraska 2 $ 230,000 $ 115,000 $ 91,000
Nye, Nevada 2 $ 100,000 $ 50,000 $ 200,000
Belknap, New Hampshire 2 $ 550,000 $ 275,000 $ 121,000
Coos, New Hampshire 2 $ 120,000 $ 60,000 $ 122,000
Grafton, New Hampshire 2 $ 410,000 $ 205,000 $ 214,000
Cape May, New Jersey 2 $ 140,000 $ 70,000 $ 74,000
San Juan, New Mexico 2 $ 80,000 $ 40,000 $ 190,000
San Miguel, New Mexico 2 $ 110,000 $ 55,000 $ 15,000
Cayuga, New York 2 $ 140,000 $ 70,000 $ 75,000
Chenango, New York 2 $ 200,000 $ 100,000 $ 176,000
Herkimer, New York 2 $ 100,000 $ 50,000 $ 84,000
Orleans, New York 2 $ 140,000 $ 70,000 $ 57,000
Oswego, New York 2 $ 160,000 $ 80,000 $ 80,000
Beaufort, North Carolina 2 $ 510,000 $ 255,000 $ 174,000
Camden, North Carolina 2 $ 180,000 $ 90,000 $ 108,000
Cleveland, North Carolina 2 $ 70,000 $ 35,000 $ 402,000
Craven, North Carolina 2 $ 100,000 $ 50,000 $ 67,000
Madison, North Carolina 2 $ 560,000 $ 280,000 $ 174,000
Randolph, North Carolina 2 $ 120,000 $ 60,000 $ 41,000
Rowan, North Carolina 2 $ 70,000 $ 35,000 $ 82,000
Yadkin, North Carolina 2 $ 160,000 $ 80,000 $ 106,000
Lucas, Ohio 2 $ 140,000 $ 70,000 $ 162,000
Richland, Ohio 2 $ 240,000 $ 120,000 $ 83,000
Tulsa, Oklahoma 2 $ 100,000 $ 50,000 $ 140,000
Benton, Oregon 2 $ 810,000 $ 405,000 $ 204,000
Centre, Pennsylvania 2 $ 140,000 $ 70,000 $ 135,000
Erie, Pennsylvania 2 $ 100,000 $ 50,000 $ 112,000
Fayette, Pennsylvania 2 $ 100,000 $ 50,000 $ 43,000
McKean, Pennsylvania 2 $ 210,000 $ 105,000 $ 66,000
Newport, Rhode Island 2 $ 140,000 $ 70,000 $ 117,000
Aiken, South Carolina 2 $ 140,000 $ 70,000 $ 78,000
Jasper, South Carolina 2 $ 550,000 $ 275,000 $ 104,000
Pickens, South Carolina 2 $ 90,000 $ 45,000 $ 69,000
Meade, South Dakota 2 $ 41,110,000 $ 20,555,000 $ 124,000
Minnehaha, South Dakota 2 $ 250,000 $ 125,000 $ 84,000
Dickson, Tennessee 2 $ 320,000 $ 160,000 $ 123,000
Hawkins, Tennessee 2 $ 210,000 $ 105,000 $ 22,000
Knox, Tennessee 2 $ 310,000 $ 155,000 $ 188,000
Marshall, Tennessee 2 $ 310,000 $ 155,000 $ 92,000
Montgomery, Tennessee 2 $ 10,680,000 $ 5,340,000 $ 66,000
Putnam, Tennessee 2 $ 50,000 $ 25,000 $ 80,000
Williamson, Texas 2 $ 190,000 $ 95,000 $ 206,000
Carbon, Utah 2 $ 130,000 $ 65,000 $ 120,000
Summit, Utah 2 $ 410,000 $ 205,000 $ 421,000
Wasatch, Utah 2 $ 1,300,000 $ 650,000 $ 331,000
Chittenden, Vermont 2 $ 120,000 $ 60,000 $ 135,000
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Mortgage Loan Application Detail Totals for Bethpage Federal Credit Union in 2022

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 9,712 $1,447,990,000 $149,000 $2,005,000 $177,000 $8,400,000
Other Purpose 4,351 $596,345,000 $137,000 $1,505,000 $158,000 $3,600,000
Cash-out Refinancing 3,639 $1,146,565,000 $315,000 $5,005,000 $189,000 $3,300,000
Home Purchase 2,631 $1,336,295,000 $507,000 $14,205,000 $212,000 $6,825,000
Refinancing 846 $842,425,000 $996,000 $70,005,000 $208,000 $2,267,000
Not Applicable 0 $0 $0 $0 $0 $0

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 10,912 $2,315,910,000 $212,000 $3,505,000 $186,000 $3,600,000
Not Provided 5,231 $1,419,375,000 $271,000 $12,005,000 $184,000 $8,400,000
Hispanic 1,846 $290,490,000 $157,000 $2,695,000 $147,000 $3,500,000
Asian 1,753 $521,995,000 $297,000 $3,305,000 $202,000 $6,825,000
Black or African American 1,238 $182,810,000 $147,000 $2,095,000 $135,000 $1,253,000
American Indian or Alaskan Native 63 $11,625,000 $184,000 $805,000 $145,000 $702,000
Not applicable 46 $581,365,000 $12,919,000 $70,005,000 $0 $0
Native Hawaiian or Other Pacific Islander 37 $6,395,000 $172,000 $535,000 $146,000 $537,000

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) 20,995 $5,309,290,000 $252,000 $70,005,000 $181,000 $8,400,000
FHA-insured (Federal Housing Administration) 182 $59,200,000 $325,000 $1,895,000 $102,000 $323,000
VA-guaranteed (Veterans Administration) 2 $1,130,000 $565,000 $625,000 $112,000 $155,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 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 10,402 $2,964,645,000 $285,000 $53,255,000 $200,000 $6,825,000
Application Denied By Financial Institution 7,742 $1,341,210,000 $173,000 $14,755,000 $152,000 $8,400,000
Application Withdrawn By Applicant 2,353 $777,785,000 $330,000 $70,005,000 $188,000 $3,500,000
File Closed For Incompleteness 436 $173,300,000 $397,000 $3,505,000 $176,000 $2,400,000
Application Approved But Not Accepted 246 $112,680,000 $458,000 $25,255,000 $184,000 $1,930,000
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
Not applicable 13,437 $4,028,410,000 $299,000 $70,005,000 $197,000 $6,825,000
Credit History 2,501 $294,315,000 $117,000 $14,755,000 $140,000 $8,400,000
Debt-To-Income Ratio 2,171 $439,035,000 $202,000 $2,935,000 $98,000 $1,150,000
Collateral 1,367 $270,045,000 $197,000 $3,155,000 $207,000 $3,132,000
Credit Application Incomplete 1,076 $213,300,000 $198,000 $12,005,000 $192,000 $3,300,000
Unverifiable Information 501 $84,835,000 $169,000 $1,005,000 $194,000 $2,200,000
Employment History 66 $20,550,000 $311,000 $1,505,000 $250,000 $3,600,000
Other 50 $13,220,000 $264,000 $705,000 $174,000 $722,000
Insufficient Cash (Downpayment, Closing Cost) 9 $4,825,000 $536,000 $1,325,000 $124,000 $202,000
Mortgage Insurance Denied 1 $1,085,000 $1,085,000 $1,085,000 $446,000 $446,000

Our comprehensive HMDA mortgage statistics provide invaluable insights into Bethpage Federal Credit Union's 2022 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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