Bethpage Federal Credit Union Mortgage Lending & HMDA Data, 2019
In 2019, Bethpage Federal Credit Union of Bethpage, NY reported 16,525 mortgage applications totaling $3.7 billion, up 15% from 2018. The average application was for $223,159, and applicants reported an average income of $158,280. 52% of its applications resulted in an originated loan and 34% were denied. Its largest markets were Nassau County-Suffolk County, NY (11,673), New York-Jersey City-White Plains, NY-NJ (2,346) and New York-Newark, NY (190) (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 | 16,525 |
| Total Mortgage Loan Application Amount | $3,687,705,000 |
| Average Mortgage Loan Application Amount | $223,159 |
| Highest Mortgage Loan Application Amount | $27,505,000 |
| Average Applicant Income | $158,280 |
| Highest Applicant Income | $3,800,000 |
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records Bethpage Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 11,673 | $ 2,354,245,000 | $ 201,682 | $ 153,000 |
| New York-Jersey City-White Plains, NY-NJ | 2,346 | $ 733,600,000 | $ 312,702 | $ 186,743 |
| New York-Newark, NY | 190 | $ 52,720,000 | $ 277,473 | $ 170,700 |
| Outside any metro area | 138 | $ 23,280,000 | $ 168,695 | $ 135,847 |
| Newark, NJ-PA | 126 | $ 31,960,000 | $ 253,650 | $ 187,571 |
| Los Angeles-Long Beach-Glendale, CA | 122 | $ 35,130,000 | $ 287,950 | $ 196,000 |
| Atlanta-Sandy Springs-Roswell, GA | 116 | $ 12,680,000 | $ 109,310 | $ 119,000 |
| Bridgeport-Stamford-Norwalk, CT | 94 | $ 59,050,000 | $ 628,191 | $ 308,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 69 | $ 16,395,000 | $ 237,608 | $ 179,000 |
| Tampa-St. Petersburg-Clearwater, FL | 58 | $ 9,510,000 | $ 163,965 | $ 110,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 57 | $ 38,715,000 | $ 679,210 | $ 191,684 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 56 | $ 15,840,000 | $ 282,857 | $ 193,000 |
| Phoenix-Mesa-Scottsdale, AZ | 46 | $ 6,290,000 | $ 136,739 | $ 124,000 |
| Charlotte-Concord-Gastonia, NC-SC | 45 | $ 8,215,000 | $ 182,555 | $ 159,133 |
| Oakland-Hayward-Berkeley, CA | 41 | $ 8,455,000 | $ 206,219 | $ 223,000 |
| San Diego-Carlsbad, CA | 39 | $ 9,175,000 | $ 235,256 | $ 182,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 36 | $ 3,610,000 | $ 100,277 | $ 137,000 |
| Orlando-Kissimmee-Sanford, FL | 35 | $ 4,085,000 | $ 116,714 | $ 101,000 |
| Port St. Lucie, FL | 35 | $ 3,825,000 | $ 109,285 | $ 92,000 |
| Anaheim-Santa Ana-Irvine, CA | 34 | $ 5,530,000 | $ 162,647 | $ 158,000 |
| Jacksonville, FL | 30 | $ 3,640,000 | $ 121,333 | $ 122,000 |
| Raleigh, NC | 30 | $ 4,410,000 | $ 147,000 | $ 131,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 30 | $ 10,370,000 | $ 345,666 | $ 209,000 |
| Seattle-Bellevue-Everett, WA | 30 | $ 6,290,000 | $ 209,666 | $ 196,000 |
| Riverside-San Bernardino-Ontario, CA | 29 | $ 3,385,000 | $ 116,724 | $ 124,000 |
| Las Vegas-Henderson-Paradise, NV | 28 | $ 2,620,000 | $ 93,571 | $ 121,000 |
| Baltimore-Columbia-Towson, MD | 27 | $ 4,465,000 | $ 165,370 | $ 128,000 |
| Chicago-Naperville, IL | 27 | $ 5,665,000 | $ 209,814 | $ 153,000 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 26 | $ 2,560,000 | $ 98,461 | $ 95,000 |
| Denver-Aurora-Lakewood, CO | 25 | $ 3,635,000 | $ 145,400 | $ 150,000 |
| Palm Bay-Melbourne-Titusville, FL | 24 | $ 3,330,000 | $ 138,750 | $ 155,000 |
| Miami-Miami Beach-Kendall, FL | 23 | $ 9,055,000 | $ 393,695 | $ 318,000 |
| East Stroudsburg, PA | 21 | $ 2,545,000 | $ 121,190 | $ 83,000 |
| Albany-Schenectady-Troy, NY | 18 | $ 2,440,000 | $ 135,555 | $ 123,000 |
| Pittsburgh, PA | 18 | $ 7,290,000 | $ 405,000 | $ 163,000 |
| Cambridge-Newton-Framingham, MA | 17 | $ 4,645,000 | $ 273,235 | $ 157,000 |
| San Francisco-Redwood City-South San Francisco, CA | 17 | $ 5,275,000 | $ 310,294 | $ 275,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 16 | $ 3,000,000 | $ 187,500 | $ 158,250 |
| Hartford-West Hartford-East Hartford, CT | 16 | $ 6,810,000 | $ 425,625 | $ 131,000 |
| New Haven-Milford, CT | 16 | $ 3,730,000 | $ 233,125 | $ 197,000 |
| Philadelphia, PA | 16 | $ 21,310,000 | $ 1,331,875 | $ 130,000 |
| Montgomery County-Bucks County-Chester County, PA | 15 | $ 3,395,000 | $ 226,333 | $ 135,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 15 | $ 2,525,000 | $ 168,333 | $ 101,000 |
| Camden, NJ | 14 | $ 1,940,000 | $ 138,571 | $ 126,000 |
| Cape Coral-Fort Myers, FL | 14 | $ 2,490,000 | $ 177,857 | $ 132,000 |
| Charleston-North Charleston, SC | 14 | $ 2,190,000 | $ 156,428 | $ 143,000 |
| Kingston, NY | 14 | $ 2,250,000 | $ 160,714 | $ 190,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 14 | $ 2,040,000 | $ 145,714 | $ 135,071 |
| Boston, MA | 13 | $ 3,985,000 | $ 306,538 | $ 178,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 13 | $ 2,875,000 | $ 221,153 | $ 128,000 |
| North Port-Sarasota-Bradenton, FL | 13 | $ 3,825,000 | $ 294,230 | $ 185,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 12 | $ 2,240,000 | $ 186,666 | $ 96,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 11 | $ 1,425,000 | $ 129,545 | $ 122,909 |
| Cincinnati, OH-KY-IN | 10 | $ 7,250,000 | $ 725,000 | $ 119,000 |
| Cleveland-Elyria, OH | 10 | $ 420,000 | $ 42,000 | $ 92,000 |
| Colorado Springs, CO | 10 | $ 1,160,000 | $ 116,000 | $ 103,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 10 | $ 3,500,000 | $ 350,000 | $ 183,000 |
| Glens Falls, NY | 9 | $ 1,025,000 | $ 113,888 | $ 70,000 |
| Houston-The Woodlands-Sugar Land, TX | 9 | $ 715,000 | $ 79,444 | $ 278,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 9 | $ 1,185,000 | $ 131,666 | $ 126,000 |
| Rochester, NY | 9 | $ 845,000 | $ 93,888 | $ 90,000 |
| Salisbury, MD-DE | 9 | $ 1,285,000 | $ 142,777 | $ 117,666 |
| Wilmington, DE-MD-NJ | 9 | $ 1,745,000 | $ 193,888 | $ 126,555 |
| Modesto, CA | 8 | $ 600,000 | $ 75,000 | $ 83,000 |
| Salt Lake City, UT | 8 | $ 1,330,000 | $ 166,250 | $ 113,000 |
| San Rafael, CA | 8 | $ 4,300,000 | $ 537,500 | $ 320,000 |
| Trenton, NJ | 8 | $ 1,950,000 | $ 243,750 | $ 178,000 |
| Warren-Troy-Farmington Hills, MI | 8 | $ 520,000 | $ 65,000 | $ 127,000 |
| Athens-Clarke County, GA | 7 | $ 365,000 | $ 52,142 | $ 59,000 |
| Durham-Chapel Hill, NC | 7 | $ 4,765,000 | $ 680,714 | $ 110,000 |
| Greensboro-High Point, NC | 7 | $ 1,385,000 | $ 197,857 | $ 128,000 |
| Greenville-Anderson-Mauldin, SC | 7 | $ 445,000 | $ 63,571 | $ 69,000 |
| Indianapolis-Carmel-Anderson, IN | 7 | $ 605,000 | $ 86,428 | $ 96,000 |
| Naples-Immokalee-Marco Island, FL | 7 | $ 2,575,000 | $ 367,857 | $ 185,000 |
| New Orleans-Metairie, LA | 7 | $ 755,000 | $ 107,857 | $ 103,000 |
| Portland-South Portland, ME | 7 | $ 1,745,000 | $ 249,285 | $ 136,000 |
| Providence-Warwick, RI-MA | 7 | $ 435,000 | $ 62,142 | $ 93,142 |
| Richmond, VA | 7 | $ 1,635,000 | $ 233,571 | $ 166,000 |
| Washington-Baltimore-Arlington, DC | 7 | $ 2,905,000 | $ 415,000 | $ 191,000 |
| Augusta-Richmond County, GA-SC | 6 | $ 1,040,000 | $ 173,333 | $ 61,666 |
| Boise City, ID | 6 | $ 1,170,000 | $ 195,000 | $ 308,000 |
| Kansas City, MO-KS | 6 | $ 1,010,000 | $ 168,333 | $ 125,500 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 6 | $ 760,000 | $ 126,666 | $ 139,000 |
| Tacoma-Lakewood, WA | 6 | $ 420,000 | $ 70,000 | $ 109,000 |
| The Villages, FL | 6 | $ 710,000 | $ 118,333 | $ 93,000 |
| Asheville, NC | 5 | $ 555,000 | $ 111,000 | $ 78,000 |
| Bakersfield, CA | 5 | $ 1,005,000 | $ 201,000 | $ 108,000 |
| Columbus, OH | 5 | $ 785,000 | $ 157,000 | $ 129,000 |
| Manchester-Nashua, NH | 5 | $ 525,000 | $ 105,000 | $ 108,000 |
| Ocala, FL | 5 | $ 375,000 | $ 75,000 | $ 83,000 |
| St. Louis, MO-IL | 5 | $ 385,000 | $ 77,000 | $ 101,000 |
| Stockton-Lodi, CA | 5 | $ 425,000 | $ 85,000 | $ 96,000 |
| Wilmington, NC | 5 | $ 545,000 | $ 109,000 | $ 68,000 |
| Worcester, MA-CT | 5 | $ 1,355,000 | $ 271,000 | $ 108,600 |
| Atlantic City-Hammonton, NJ | 4 | $ 1,190,000 | $ 297,500 | $ 108,000 |
| Detroit-Dearborn-Livonia, MI | 4 | $ 220,000 | $ 55,000 | $ 47,000 |
| Gainesville, FL | 4 | $ 460,000 | $ 115,000 | $ 107,000 |
| Lakeland-Winter Haven, FL | 4 | $ 380,000 | $ 95,000 | $ 107,000 |
| Norwich-New London, CT | 4 | $ 1,150,000 | $ 287,500 | $ 119,000 |
| Ogden-Clearfield, UT | 4 | $ 810,000 | $ 202,500 | $ 178,000 |
| Punta Gorda, FL | 4 | $ 170,000 | $ 42,500 | $ 64,000 |
| Santa Maria-Santa Barbara, CA | 4 | $ 2,390,000 | $ 597,500 | $ 219,000 |
| Savannah, GA | 4 | $ 350,000 | $ 87,500 | $ 79,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 4 | $ 230,000 | $ 57,500 | $ 170,000 |
| Syracuse, NY | 4 | $ 310,000 | $ 77,500 | $ 86,000 |
| Vallejo-Fairfield, CA | 4 | $ 370,000 | $ 92,500 | $ 103,000 |
| Ann Arbor, MI | 3 | $ 245,000 | $ 81,666 | $ 177,000 |
| Austin-Round Rock, TX | 3 | $ 605,000 | $ 201,666 | $ 139,000 |
| Billings, MT | 3 | $ 375,000 | $ 125,000 | $ 72,000 |
| Binghamton, NY | 3 | $ 415,000 | $ 138,333 | $ 105,000 |
| Birmingham-Hoover, AL | 3 | $ 195,000 | $ 65,000 | $ 144,000 |
| Boulder, CO | 3 | $ 725,000 | $ 241,666 | $ 95,000 |
| Chattanooga, TN-GA | 3 | $ 245,000 | $ 81,666 | $ 101,333 |
| Chico, CA | 3 | $ 205,000 | $ 68,333 | $ 87,000 |
| Clarksville, TN-KY | 3 | $ 95,000 | $ 31,666 | $ 111,000 |
| Columbia, SC | 3 | $ 145,000 | $ 48,333 | $ 127,000 |
| Dallas-Plano-Irving, TX | 3 | $ 335,000 | $ 111,666 | $ 110,000 |
| Fort Collins, CO | 3 | $ 945,000 | $ 315,000 | $ 153,000 |
| Gainesville, GA | 3 | $ 95,000 | $ 31,666 | $ 99,000 |
| Lake County-Kenosha County, IL-WI | 3 | $ 405,000 | $ 135,000 | $ 227,000 |
| Lancaster, PA | 3 | $ 475,000 | $ 158,333 | $ 132,000 |
| Memphis, TN-MS-AR | 3 | $ 495,000 | $ 165,000 | $ 157,000 |
| Napa, CA | 3 | $ 275,000 | $ 91,666 | $ 188,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 3 | $ 235,000 | $ 78,333 | $ 138,000 |
| Spokane-Spokane Valley, WA | 3 | $ 315,000 | $ 105,000 | $ 123,000 |
| Springfield, MA | 3 | $ 395,000 | $ 131,666 | $ 436,000 |
| Tallahassee, FL | 3 | $ 545,000 | $ 181,666 | $ 92,000 |
| Utica-Rome, NY | 3 | $ 165,000 | $ 55,000 | $ 68,000 |
| Baton Rouge, LA | 2 | $ 140,000 | $ 70,000 | $ 125,000 |
| Bend-Redmond, OR | 2 | $ 500,000 | $ 250,000 | $ 61,000 |
| Brunswick, GA | 2 | $ 70,000 | $ 35,000 | $ 64,000 |
| Dayton-Springfield-Kettering, OH | 2 | $ 30,000 | $ 15,000 | $ 52,000 |
| Dover, DE | 2 | $ 320,000 | $ 160,000 | $ 88,000 |
| Fresno, CA | 2 | $ 260,000 | $ 130,000 | $ 98,000 |
| Greeley, CO | 2 | $ 850,000 | $ 425,000 | $ 174,000 |
| Hagerstown-Martinsburg, MD-WV | 2 | $ 180,000 | $ 90,000 | $ 33,000 |
| Harrisburg-Carlisle, PA | 2 | $ 560,000 | $ 280,000 | $ 86,000 |
| Jackson, MS | 2 | $ 200,000 | $ 100,000 | $ 148,000 |
| Jacksonville, NC | 2 | $ 440,000 | $ 220,000 | $ 172,000 |
| Knoxville, TN | 2 | $ 200,000 | $ 100,000 | $ 150,000 |
| Lake Charles, LA | 2 | $ 340,000 | $ 170,000 | $ 67,000 |
| Little Rock-North Little Rock-Conway, AR | 2 | $ 180,000 | $ 90,000 | $ 59,000 |
| Louisville/Jefferson County, KY-IN | 2 | $ 270,000 | $ 135,000 | $ 52,500 |
| Mount Vernon-Anacortes, WA | 2 | $ 460,000 | $ 230,000 | $ 206,000 |
| Ocean City, NJ | 2 | $ 1,180,000 | $ 590,000 | $ 215,000 |
| Pensacola-Ferry Pass-Brent, FL | 2 | $ 380,000 | $ 190,000 | $ 64,000 |
| Pittsfield, MA | 2 | $ 670,000 | $ 335,000 | $ 236,000 |
| Prescott Valley-Prescott, AZ | 2 | $ 130,000 | $ 65,000 | $ 75,000 |
| Reading, PA | 2 | $ 320,000 | $ 160,000 | $ 63,000 |
| Rockingham County-Strafford County, NH | 2 | $ 400,000 | $ 200,000 | $ 129,000 |
| Salinas, CA | 2 | $ 220,000 | $ 110,000 | $ 109,000 |
| Santa Cruz-Watsonville, CA | 2 | $ 290,000 | $ 145,000 | $ 198,000 |
| Spartanburg, SC | 2 | $ 16,030,000 | $ 8,015,000 | $ 165,000 |
| Staunton-Waynesboro, VA | 2 | $ 360,000 | $ 180,000 | $ 117,000 |
| Tucson, AZ | 2 | $ 630,000 | $ 315,000 | $ 132,000 |
| Tulsa, OK | 2 | $ 170,000 | $ 85,000 | $ 254,000 |
| Albuquerque, NM | 1 | $ 55,000 | $ 55,000 | $ 60,000 |
| Anchorage, AK | 1 | $ 55,000 | $ 55,000 | $ 139,000 |
| Bangor, ME | 1 | $ 65,000 | $ 65,000 | $ 146,000 |
| Barnstable Town, MA | 1 | $ 365,000 | $ 365,000 | $ 246,000 |
| Blacksburg-Christiansburg-Radford, VA | 1 | $ 225,000 | $ 225,000 | $ 251,000 |
| Bremerton-Silverdale, WA | 1 | $ 85,000 | $ 85,000 | $ 36,000 |
| Burlington-South Burlington, VT | 1 | $ 55,000 | $ 55,000 | $ 70,000 |
| California-Lexington Park, MD | 1 | $ 505,000 | $ 505,000 | $ 246,000 |
| Charlottesville, VA | 1 | $ 35,000 | $ 35,000 | $ 100,000 |
| Cleveland, TN | 1 | $ 85,000 | $ 85,000 | $ 225,000 |
| Corpus Christi, TX | 1 | $ 35,000 | $ 35,000 | $ 84,000 |
| Corvallis, OR | 1 | $ 285,000 | $ 285,000 | $ 205,000 |
| Crestview-Fort Walton Beach-Destin, FL | 1 | $ 155,000 | $ 155,000 | $ 191,000 |
| Dalton, GA | 1 | $ 25,000 | $ 25,000 | $ 60,000 |
| Davenport-Moline-Rock Island, IA-IL | 1 | $ 25,000 | $ 25,000 | $ 137,000 |
| Elgin, IL | 1 | $ 85,000 | $ 85,000 | $ 176,000 |
| Erie, PA | 1 | $ 25,000 | $ 25,000 | $ 62,000 |
| Fayetteville, NC | 1 | $ 55,000 | $ 55,000 | $ 15,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 1 | $ 205,000 | $ 205,000 | $ 285,000 |
| Fort Worth-Arlington, TX | 1 | $ 65,000 | $ 65,000 | $ 58,000 |
| Grand Junction, CO | 1 | $ 95,000 | $ 95,000 | $ 39,000 |
| Green Bay, WI | 1 | $ 55,000 | $ 55,000 | $ 95,000 |
| Greenville, NC | 1 | $ 65,000 | $ 65,000 | $ 23,000 |
| Hammond, LA | 1 | $ 25,000 | $ 25,000 | $ 69,000 |
| Hanford-Corcoran, CA | 1 | $ 135,000 | $ 135,000 | $ 90,000 |
| Homosassa Springs, FL | 1 | $ 135,000 | $ 135,000 | $ 105,000 |
| Ithaca, NY | 1 | $ 325,000 | $ 325,000 | $ 447,000 |
| Johnson City, TN | 1 | $ 155,000 | $ 155,000 | $ 28,000 |
| Lafayette-West Lafayette, IN | 1 | $ 25,000 | $ 25,000 | $ 64,000 |
| Lincoln, NE | 1 | $ 85,000 | $ 85,000 | $ 39,000 |
| Macon-Bibb County, GA | 1 | $ 25,000 | $ 25,000 | $ 65,000 |
| Merced, CA | 1 | $ 45,000 | $ 45,000 | $ 135,000 |
| Missoula, MT | 1 | $ 105,000 | $ 105,000 | $ 125,000 |
| Olympia-Tumwater, WA | 1 | $ 95,000 | $ 95,000 | $ 146,000 |
| Omaha-Council Bluffs, NE-IA | 1 | $ 265,000 | $ 265,000 | $ 210,000 |
| Oshkosh-Neenah, WI | 1 | $ 35,000 | $ 35,000 | $ 237,000 |
| Panama City, FL | 1 | $ 255,000 | $ 255,000 | $ 243,000 |
| Peoria, IL | 1 | $ 35,000 | $ 35,000 | $ 69,000 |
| Provo-Orem, UT | 1 | $ 305,000 | $ 305,000 | $ 154,000 |
| Redding, CA | 1 | $ 25,000 | $ 25,000 | $ 56,000 |
| Reno, NV | 1 | $ 35,000 | $ 35,000 | $ 146,000 |
| Roanoke, VA | 1 | $ 165,000 | $ 165,000 | $ 49,000 |
| Rochester, MN | 1 | $ 45,000 | $ 45,000 | $ 109,000 |
| Rocky Mount, NC | 1 | $ 65,000 | $ 65,000 | $ 20,000 |
| Rome, GA | 1 | $ 155,000 | $ 155,000 | $ 174,000 |
| San Antonio-New Braunfels, TX | 1 | $ 55,000 | $ 55,000 | $ 156,000 |
| Santa Rosa, CA | 1 | $ 125,000 | $ 125,000 | $ 251,000 |
| Sebastian-Vero Beach, FL | 1 | $ 345,000 | $ 345,000 | $ 168,000 |
| Shreveport-Bossier City, LA | 1 | $ 75,000 | $ 75,000 | $ 52,000 |
| Springfield, MO | 1 | $ 125,000 | $ 125,000 | $ 138,000 |
| Toledo, OH | 1 | $ 85,000 | $ 85,000 | $ 44,000 |
| Tyler, TX | 1 | $ 2,405,000 | $ 2,405,000 | $ 0 |
| Urban Honolulu, HI | 1 | $ 205,000 | $ 205,000 | $ 78,000 |
| Vineland-Bridgeton, NJ | 1 | $ 245,000 | $ 245,000 | $ 203,000 |
| Visalia-Porterville, CA | 1 | $ 75,000 | $ 75,000 | $ 53,000 |
| Warner Robins, GA | 1 | $ 35,000 | $ 35,000 | $ 88,000 |
| Wichita, KS | 1 | $ 65,000 | $ 65,000 | $ 113,000 |
| Winston-Salem, NC | 1 | $ 135,000 | $ 135,000 | $ 126,000 |
| Yakima, WA | 1 | $ 95,000 | $ 95,000 | $ 132,000 |
| York-Hanover, PA | 1 | $ 105,000 | $ 105,000 | $ 146,000 |
| Yuba City, CA | 1 | $ 75,000 | $ 75,000 | $ 99,000 |
Mortgage Loan Application Detail Totals for Bethpage Federal Credit Union in 2019
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 | 4,716 | $578,690,000 | $122,000 | $2,005,000 | $151,000 | $3,800,000 |
| Cash-out Refinancing | 4,473 | $1,162,665,000 | $259,000 | $16,005,000 | $161,000 | $2,142,000 |
| Other Purpose | 3,730 | $580,520,000 | $155,000 | $3,375,000 | $157,000 | $2,453,000 |
| Home Purchase | 2,502 | $931,780,000 | $372,000 | $6,455,000 | $163,000 | $2,522,000 |
| Refinancing | 1,104 | $434,050,000 | $393,000 | $27,505,000 | $172,000 | $2,295,000 |
| 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 | 10,407 | $2,267,845,000 | $217,000 | $3,875,000 | $164,000 | $3,800,000 |
| Not Provided | 2,544 | $613,380,000 | $241,000 | $2,475,000 | $159,000 | $1,281,000 |
| Hispanic | 1,233 | $202,895,000 | $164,000 | $2,455,000 | $128,000 | $2,334,000 |
| Asian | 1,204 | $317,260,000 | $263,000 | $2,995,000 | $160,000 | $1,883,000 |
| Black or African American | 956 | $145,260,000 | $151,000 | $2,855,000 | $125,000 | $2,880,000 |
| American Indian or Alaskan Native | 57 | $8,935,000 | $156,000 | $705,000 | $132,000 | $800,000 |
| Native Hawaiian or Other Pacific Islander | 29 | $3,965,000 | $136,000 | $405,000 | $169,000 | $1,440,000 |
| Not applicable | 14 | $109,090,000 | $7,792,000 | $27,505,000 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 16,312 | $3,609,960,000 | $221,000 | $27,505,000 | $159,000 | $3,800,000 |
| FHA-insured (Federal Housing Administration) | 208 | $75,930,000 | $365,000 | $965,000 | $119,000 | $600,000 |
| VA-guaranteed (Veterans Administration) | 5 | $1,815,000 | $363,000 | $435,000 | $112,000 | $174,000 |
| 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 | 8,550 | $2,106,130,000 | $246,000 | $27,505,000 | $164,000 | $2,295,000 |
| Application Denied By Financial Institution | 5,552 | $898,150,000 | $161,000 | $16,005,000 | $140,000 | $3,800,000 |
| Application Withdrawn By Applicant | 1,898 | $521,970,000 | $275,000 | $6,455,000 | $184,000 | $3,215,000 |
| File Closed For Incompleteness | 332 | $119,700,000 | $360,000 | $1,205,000 | $155,000 | $660,000 |
| Application Approved But Not Accepted | 193 | $41,755,000 | $216,000 | $2,855,000 | $175,000 | $1,566,000 |
| 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 | 10,973 | $2,789,555,000 | $254,000 | $27,505,000 | $167,000 | $3,215,000 |
| Credit History | 1,957 | $250,965,000 | $128,000 | $2,005,000 | $137,000 | $2,880,000 |
| Debt-To-Income Ratio | 1,675 | $298,585,000 | $178,000 | $2,005,000 | $96,000 | $1,284,000 |
| Collateral | 981 | $179,495,000 | $182,000 | $16,005,000 | $185,000 | $3,800,000 |
| Credit Application Incomplete | 758 | $111,780,000 | $147,000 | $2,005,000 | $173,000 | $1,300,000 |
| Unverifiable Information | 80 | $23,450,000 | $293,000 | $2,425,000 | $247,000 | $1,987,000 |
| Employment History | 51 | $11,295,000 | $221,000 | $1,155,000 | $125,000 | $387,000 |
| Other | 35 | $13,495,000 | $385,000 | $3,705,000 | $149,000 | $1,411,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 15 | $9,085,000 | $605,000 | $1,505,000 | $180,000 | $550,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Bethpage Federal Credit Union's 2019 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.
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