Bethpage Federal Credit Union Mortgage Lending & HMDA Data, 2016
In 2016, Bethpage Federal Credit Union of Bethpage, NY reported 5,955 mortgage applications totaling $2.2 billion, up 39% from 2015. The average application was for $368,585, and applicants reported an average income of $174,381. 66% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Nassau County-Suffolk County, NY (4,668), New York-Jersey City-White Plains, NY-NJ (837) and Bridgeport-Stamford-Norwalk, CT (50) (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 | 5,955 |
| Total Mortgage Loan Application Amount | $2,194,924,000 |
| Average Mortgage Loan Application Amount | $368,585 |
| Highest Mortgage Loan Application Amount | $8,000,000 |
| Average Applicant Income | $174,381 |
| Highest Applicant Income | $6,500,000 |
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records Bethpage Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Nassau County-Suffolk County, NY | 4,668 | $ 1,430,999,000 | $ 306,555 | $ 151,000 |
| New York-Jersey City-White Plains, NY-NJ | 837 | $ 613,499,000 | $ 732,973 | $ 286,071 |
| Bridgeport-Stamford-Norwalk, CT | 50 | $ 48,441,000 | $ 968,820 | $ 431,000 |
| Newark, NJ-PA | 33 | $ 14,239,000 | $ 431,484 | $ 351,272 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 18 | $ 6,941,000 | $ 385,611 | $ 182,000 |
| Port St. Lucie, FL | 16 | $ 2,732,000 | $ 170,750 | $ 139,000 |
| Palm Bay-Melbourne-Titusville, FL | 12 | $ 2,757,000 | $ 229,750 | $ 111,000 |
| Tampa-St. Petersburg-Clearwater, FL | 12 | $ 2,963,000 | $ 246,916 | $ 82,000 |
| Atlanta-Sandy Springs-Roswell, GA | 11 | $ 2,251,000 | $ 204,636 | $ 96,000 |
| Charlotte-Concord-Gastonia, NC-SC | 11 | $ 2,797,000 | $ 254,272 | $ 105,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 11 | $ 4,730,000 | $ 430,000 | $ 261,000 |
| Albany-Schenectady-Troy, NY | 10 | $ 2,354,000 | $ 235,400 | $ 166,000 |
| Dutchess County-Putnam County, NY | 10 | $ 2,146,000 | $ 214,600 | $ 184,000 |
| Orlando-Kissimmee-Sanford, FL | 10 | $ 1,503,000 | $ 150,300 | $ 159,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 10 | $ 2,201,000 | $ 220,100 | $ 175,400 |
| Raleigh, NC | 9 | $ 1,586,000 | $ 176,222 | $ 113,000 |
| Jacksonville, FL | 8 | $ 1,537,000 | $ 192,125 | $ 148,000 |
| New Haven-Milford, CT | 7 | $ 2,250,000 | $ 321,428 | $ 243,000 |
| Pittsburgh, PA | 7 | $ 1,455,000 | $ 207,857 | $ 104,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 6 | $ 645,000 | $ 107,500 | $ 94,000 |
| North Port-Sarasota-Bradenton, FL | 6 | $ 1,291,000 | $ 215,166 | $ 151,000 |
| Montgomery County-Bucks County-Chester County, PA | 5 | $ 2,590,000 | $ 518,000 | $ 380,000 |
| Trenton, NJ | 5 | $ 4,448,000 | $ 889,600 | $ 262,000 |
| Baltimore-Columbia-Towson, MD | 4 | $ 857,000 | $ 214,250 | $ 88,000 |
| Camden, NJ | 4 | $ 1,054,000 | $ 263,500 | $ 214,000 |
| Durham-Chapel Hill, NC | 4 | $ 1,019,000 | $ 254,750 | $ 103,000 |
| Las Vegas-Henderson-Paradise, NV | 4 | $ 816,000 | $ 204,000 | $ 135,000 |
| Los Angeles-Long Beach-Glendale, CA | 4 | $ 1,194,000 | $ 298,500 | $ 154,000 |
| Naples-Immokalee-Marco Island, FL | 4 | $ 1,281,000 | $ 320,250 | $ 179,000 |
| Philadelphia, PA | 4 | $ 536,000 | $ 134,000 | $ 95,000 |
| Phoenix-Mesa-Scottsdale, AZ | 4 | $ 815,000 | $ 203,750 | $ 77,000 |
| Silver Spring-Frederick-Rockville, MD | 4 | $ 830,000 | $ 207,500 | $ 122,000 |
| Cape Coral-Fort Myers, FL | 3 | $ 695,000 | $ 231,666 | $ 176,000 |
| East Stroudsburg, PA | 3 | $ 629,000 | $ 209,666 | $ 348,000 |
| Glens Falls, NY | 3 | $ 592,000 | $ 197,333 | $ 198,000 |
| Homosassa Springs, FL | 3 | $ 450,000 | $ 150,000 | $ 111,000 |
| Kingston, NY | 3 | $ 504,000 | $ 168,000 | $ 107,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 3 | $ 489,000 | $ 163,000 | $ 97,666 |
| Ocala, FL | 3 | $ 249,000 | $ 83,000 | $ 73,000 |
| Providence-Warwick, RI-MA | 3 | $ 927,000 | $ 309,000 | $ 291,000 |
| San Diego-Carlsbad, CA | 3 | $ 1,039,000 | $ 346,333 | $ 175,000 |
| Sebastian-Vero Beach, FL | 3 | $ 348,000 | $ 116,000 | $ 66,000 |
| Binghamton, NY | 2 | $ 266,000 | $ 133,000 | $ 168,000 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 2 | $ 250,000 | $ 125,000 | $ 132,000 |
| Cambridge-Newton-Framingham, MA | 2 | $ 153,000 | $ 76,500 | $ 99,000 |
| Crestview-Fort Walton Beach-Destin, FL | 2 | $ 267,000 | $ 133,500 | $ 104,000 |
| Denver-Aurora-Lakewood, CO | 2 | $ 517,000 | $ 258,500 | $ 143,000 |
| Hartford-West Hartford-East Hartford, CT | 2 | $ 426,000 | $ 213,000 | $ 191,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 2 | $ 50,000 | $ 25,000 | $ 76,000 |
| Miami-Miami Beach-Kendall, FL | 2 | $ 834,000 | $ 417,000 | $ 1,130,000 |
| Ocean City, NJ | 2 | $ 1,324,000 | $ 662,000 | $ 398,000 |
| Richmond, VA | 2 | $ 304,000 | $ 152,000 | $ 61,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 2 | $ 689,000 | $ 344,500 | $ 136,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 2 | $ 220,000 | $ 110,000 | $ 88,000 |
| Wilmington, DE-MD-NJ | 2 | $ 338,000 | $ 169,000 | $ 120,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 1 | $ 150,000 | $ 150,000 | $ 84,000 |
| Asheville, NC | 1 | $ 112,000 | $ 112,000 | $ 67,000 |
| Augusta-Richmond County, GA-SC | 1 | $ 276,000 | $ 276,000 | $ 98,000 |
| Boston, MA | 1 | $ 250,000 | $ 250,000 | $ 46,000 |
| Charleston-North Charleston, SC | 1 | $ 189,000 | $ 189,000 | $ 41,000 |
| Chicago-Naperville-Arlington Heights, IL | 1 | $ 100,000 | $ 100,000 | $ 154,000 |
| Cleveland-Elyria, OH | 1 | $ 218,000 | $ 218,000 | $ 141,000 |
| Columbia, SC | 1 | $ 25,000 | $ 25,000 | $ 50,000 |
| Fort Collins, CO | 1 | $ 292,000 | $ 292,000 | $ 80,000 |
| Gainesville, FL | 1 | $ 207,000 | $ 207,000 | $ 92,000 |
| Gainesville, GA | 1 | $ 485,000 | $ 485,000 | $ 155,000 |
| Gary, IN | 1 | $ 28,000 | $ 28,000 | $ 161,000 |
| Greensboro-High Point, NC | 1 | $ 242,000 | $ 242,000 | $ 199,000 |
| Ithaca, NY | 1 | $ 349,000 | $ 349,000 | $ 139,000 |
| Jacksonville, NC | 1 | $ 172,000 | $ 172,000 | $ 158,000 |
| Lake Charles, LA | 1 | $ 212,000 | $ 212,000 | $ 92,000 |
| Lakeland-Winter Haven, FL | 1 | $ 104,000 | $ 104,000 | $ 43,000 |
| Lancaster, PA | 1 | $ 210,000 | $ 210,000 | $ 73,000 |
| Manchester-Nashua, NH | 1 | $ 235,000 | $ 235,000 | $ 96,000 |
| New Bern, NC | 1 | $ 165,000 | $ 165,000 | $ 125,000 |
| Norwich-New London, CT | 1 | $ 331,000 | $ 331,000 | $ 147,000 |
| Oakland-Hayward-Berkeley, CA | 1 | $ 793,000 | $ 793,000 | $ 99,000 |
| Portland-South Portland, ME | 1 | $ 135,000 | $ 135,000 | $ 180,000 |
| Punta Gorda, FL | 1 | $ 151,000 | $ 151,000 | $ 66,000 |
| Roanoke, VA | 1 | $ 66,000 | $ 66,000 | $ 41,000 |
| Rochester, NY | 1 | $ 144,000 | $ 144,000 | $ 84,000 |
| Rockingham County-Strafford County, NH | 1 | $ 304,000 | $ 304,000 | $ 126,000 |
| Salisbury, MD-DE | 1 | $ 50,000 | $ 50,000 | $ 84,000 |
| San Francisco-Redwood City-South San Francisco, CA | 1 | $ 417,000 | $ 417,000 | $ 167,000 |
| Savannah, GA | 1 | $ 300,000 | $ 300,000 | $ 254,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 1 | $ 49,000 | $ 49,000 | $ 48,000 |
| Springfield, MA | 1 | $ 202,000 | $ 202,000 | $ 72,000 |
| The Villages, FL | 1 | $ 170,000 | $ 170,000 | $ 104,000 |
| Tucson, AZ | 1 | $ 227,000 | $ 227,000 | $ 99,000 |
| Utica-Rome, NY | 1 | $ 92,000 | $ 92,000 | $ 110,000 |
| Valdosta, GA | 1 | $ 94,000 | $ 94,000 | $ 38,000 |
| Worcester, MA-CT | 1 | $ 117,000 | $ 117,000 | $ 98,000 |
Mortgage Loan Application Detail Totals for Bethpage Federal Credit Union in 2016
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 | 3,338 | $1,278,913,000 | $383,000 | $8,000,000 | $180,000 | $4,484,000 |
| Home Purchase | 1,920 | $852,687,000 | $444,000 | $5,000,000 | $180,000 | $6,500,000 |
| Home Improvement | 697 | $63,324,000 | $90,000 | $1,040,000 | $132,000 | $2,900,000 |
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 | 4,057 | $1,547,681,000 | $381,000 | $5,000,000 | $187,000 | $6,500,000 |
| Not Provided | 917 | $292,478,000 | $318,000 | $8,000,000 | $161,000 | $4,294,000 |
| Asian | 457 | $196,365,000 | $429,000 | $4,160,000 | $161,000 | $3,355,000 |
| Hispanic | 259 | $70,737,000 | $273,000 | $3,223,000 | $113,000 | $2,900,000 |
| Black or African American | 223 | $63,352,000 | $284,000 | $1,880,000 | $118,000 | $608,000 |
| Not applicable | 22 | $16,644,000 | $756,000 | $5,000,000 | $62,000 | $156,000 |
| American Indian or Alaskan Native | 10 | $3,968,000 | $396,000 | $743,000 | $180,000 | $318,000 |
| Native Hawaiin or Other Pacific Islander | 10 | $3,699,000 | $369,000 | $938,000 | $127,000 | $278,000 |
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) | 5,825 | $2,155,454,000 | $370,000 | $8,000,000 | $176,000 | $6,500,000 |
| FHA-insured (Federal Housing Administration) | 129 | $38,910,000 | $301,000 | $614,000 | $107,000 | $339,000 |
| VA-guaranteed (Veterans Administration) | 1 | $560,000 | $560,000 | $560,000 | $118,000 | $118,000 |
| 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 | 3,902 | $1,514,884,000 | $388,000 | $8,000,000 | $185,000 | $6,500,000 |
| Application Withdrawn By Applicant | 925 | $340,406,000 | $368,000 | $5,000,000 | $172,000 | $2,900,000 |
| Application Denied By Financial Institution | 661 | $164,943,000 | $249,000 | $5,000,000 | $126,000 | $4,019,000 |
| File Closed For Incompleteness | 437 | $140,284,000 | $321,000 | $1,500,000 | $137,000 | $1,500,000 |
| Application Approved But Not Accepted | 30 | $34,407,000 | $1,146,000 | $2,438,000 | $448,000 | $1,781,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 276 | $40,140,000 | $145,000 | $2,100,000 | $115,000 | $1,087,000 |
| Debt-To-Income Ratio | 187 | $43,829,000 | $234,000 | $1,400,000 | $87,000 | $505,000 |
| Collateral | 119 | $22,538,000 | $189,000 | $3,300,000 | $119,000 | $354,000 |
| Other | 37 | $42,764,000 | $1,155,000 | $5,000,000 | $423,000 | $4,019,000 |
| Credit Application Incomplete | 18 | $8,767,000 | $487,000 | $2,000,000 | $153,000 | $266,000 |
| Unverifiable Information | 12 | $2,929,000 | $244,000 | $384,000 | $119,000 | $360,000 |
| Employment History | 5 | $2,000,000 | $400,000 | $1,360,000 | $138,000 | $400,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $1,600,000 | $800,000 | $1,000,000 | $167,000 | $190,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Bethpage Federal Credit Union's 2016 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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