Bethpage Federal Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2022

Bethpage Federal Credit Union 2022 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 21,179
Total Mortgage Loan Application Amount $5,369,620,000
Average Mortgage Loan Application Amount $420,800
Highest Mortgage Loan Application Amount $70,005,000
Average Applicant Income $188,800
Highest Applicant Income $8,400,000

Explore comprehensive HMDA mortgage statistics and lending trends for 2022 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 2022 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 2022.

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