# Bethpage Federal Credit Union

> **Canonical URL:** https://saferate.com/lenders/bethpage-federal-credit-union


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Bethpage Federal Credit Union is a credit union, headquartered in Bethpage, NY, serving borrowers across 38 states, with 1,234 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 34% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 45% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300KTR1JGH3K6LU06
- **Headquarters:** Bethpage, NY
- **Geographic Reach:** Near-National
- **States Served:** 38
- **State List:** AL, AR, AZ, CA, CO, CT, DE, FL, GA, HI, IL, IN, LA, MA, MD, ME, MI, MN, MO, MS, NC, NH, NJ, NV, NY, OH, OK, PA, RI, SC, TN, UT, VA, VT, WA, WI, WV, WY
- **Markets (MSAs):** 16
- **Primary Channel:** mix
- **Direct Origination:** 64.9%
- **Brokered/Wholesale:** 35.1%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 66/100
- Rating: ●●●●○ (4/5)

### Pull Through: Sound ☺️
- Score: 55/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** -0.211%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,408
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 1,234
- **Dollar Volume:** $727 million
- **Applications Received:** 2,039
- **Market Share:** 3.00%

## Typical Borrower Profile

- **Average Loan Amount:** $588,914
- **Average Borrower Income:** $310,633
- **Average Property Value:** $972,731

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (64%)
- ⭐ **Jumbo Gold Superstar** (63%)
- ⭐ **Purchase Gold Superstar** (64%)
- ⭐ **Refinance Gold Superstar** (64%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 70/100 | 1,018 | -0.238% | $1,470 | Strong 😀 |
| FHA | 57/100 | 30 | +0.716% | $82 | Sound ☺️ |
| Jumbo | 81/100 | 185 | -0.235% | $1,271 | Exceptional 🤩 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 800 loans, Score: 68/100 (Strong)
- Refinance: 218 loans, Score: 71/100 (Strong)

**Jumbo:**
- Purchase: 152 loans, Score: 81/100 (Exceptional)
- Refinance: 33 loans, Score: 80/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 68/100 | 970 | $577M | -0.202% | Strong 😀 |
| Refinance | 72/100 | 264 | $150M | -0.247% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| NY | 699 | 0.62% | 84/100 |
| FL | 88 | 0.03% | 55/100 |
| NJ | 71 | 0.08% | 60/100 |
| CA | 53 | 0.02% | 50/100 |
| IL | 53 | 0.04% | 54/100 |
| MA | 42 | 0.07% | 53/100 |
| CT | 38 | 0.11% | 54/100 |
| SC | 27 | 0.03% | 48/100 |
| NC | 21 | 0.01% | 42/100 |
| PA | 19 | 0.02% | 42/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Nassau County | NY | 486 | 89/100 |
| New York | NY-NJ | 197 | 74/100 |
| Non |  | 56 | 40/100 |
| Chicago | IL | 45 | 54/100 |
| Lakewood | NJ | 30 | 53/100 |
| Bridgeport | CT | 25 | 54/100 |
| Hilton Head Island | SC | 19 | 52/100 |
| Cambridge | MA | 14 | 43/100 |
| Los Angeles | CA | 14 | 42/100 |
| West Palm Beach | FL | 14 | 44/100 |
| Boston, MA | MA | 13 | 43/100 |
| Newark, NJ | NJ | 13 | 43/100 |
| Barnstable Town, MA | MA | 12 | 43/100 |
| Naples | FL | 11 | 45/100 |
| North Port | FL | 11 | 41/100 |

## Where This Lender Ranks

Bethpage Federal Credit Union appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Nassau County for Jumbo Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/nassau-county/best-mortgage-lenders/credit-unions/jumbo-loans)
- 🥈 **#2** in Nassau County Credit Unions
  - [View Full Rankings](https://saferate.com/nassau-county/best-mortgage-lenders/credit-unions)
- 🥈 **#2** in Nassau County for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/nassau-county/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥈 **#2** in New York for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/new-york/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥈 **#2** in Hilton Head Island for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/hilton-head-island/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥉 **#3** in New York for FHA Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/new-york-state/best-mortgage-lenders/credit-unions/fha-loans)
- 🥉 **#3** in Bridgeport Credit Unions
  - [View Full Rankings](https://saferate.com/bridgeport/best-mortgage-lenders/credit-unions)
- 🥉 **#3** in Bridgeport for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/bridgeport/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥉 **#3** in Bridgeport for Jumbo Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/bridgeport/best-mortgage-lenders/credit-unions/jumbo-loans)
- 🏆 **#4** in New York for Jumbo Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/new-york-state/best-mortgage-lenders/credit-unions/jumbo-loans)
- 🏆 **#4** in New York Credit Unions
  - [View Full Rankings](https://saferate.com/new-york/best-mortgage-lenders/credit-unions)
- 🏆 **#4** in New York for Jumbo Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/new-york/best-mortgage-lenders/credit-unions/jumbo-loans)
- 🏆 **#5** in New York Credit Unions
  - [View Full Rankings](https://saferate.com/new-york-state/best-mortgage-lenders/credit-unions)
- 🏆 **#5** in New York for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/new-york-state/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#6** in Naples for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/naples/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#11** in Nassau County for Conventional Loans
  - [View Full Rankings](https://saferate.com/nassau-county/best-mortgage-lenders/conventional-loans)
- 🏆 **#14** in Nassau County
  - [View Full Rankings](https://saferate.com/nassau-county/best-mortgage-lenders)
- 🏆 **#15** in Nassau County for Jumbo Loans
  - [View Full Rankings](https://saferate.com/nassau-county/best-mortgage-lenders/jumbo-loans)
- 🏆 **#20** in Nassau County for FHA Loans
  - [View Full Rankings](https://saferate.com/nassau-county/best-mortgage-lenders/fha-loans)

## Frequently Asked Questions

### What loan types does Bethpage Federal Credit Union offer?

Bethpage Federal Credit Union offers the following mortgage loan types: FHA, Conventional, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Bethpage Federal Credit Union offer mortgages?

Bethpage Federal Credit Union offers mortgages in 38 states: AL, AR, AZ, CA, CO, CT, DE, FL, GA, HI, IL, IN, LA, MA, MD, ME, MI, MN, MO, MS, NC, NH, NJ, NV, NY, OH, OK, PA, RI, SC, TN, UT, VA, VT, WA, WI, WV, WY.

### How competitive are Bethpage Federal Credit Union's mortgage rates?

Bethpage Federal Credit Union has a pricing score of 66/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.211% below market average.

### What type of lender is Bethpage Federal Credit Union?

Bethpage Federal Credit Union is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Bethpage, NY.

### What is Bethpage Federal Credit Union's loan approval success rate?

Bethpage Federal Credit Union has a pull-through score of 55/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/bethpage-federal-credit-union

### How to Cite

> "Bethpage Federal Credit Union Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/bethpage-federal-credit-union

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