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 score and performance metrics.

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 an overall pricing score of 66/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Bethpage Federal Credit Union?

Bethpage Federal Credit Union is a Credit Union headquartered in Bethpage, NY.

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Bethpage Federal Credit Union

Credit Union•Bethpage, NYHQ•Direct & Wholesale•Reviews near you on Google

We analyzed every closed loan from Bethpage Federal Credit Union — 1.2k loans across 2k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Strong

4/5

vs. all lenders

Pull-through

Sound

3/5

closing strength

Product

Exceptional

5/5

FHA · Conventional · Jumbo

Place

Sound

3/5

Near-National · 15 mkts

Awards

Conventional

Superstar

Jumbo

Superstar

Purchase

Superstar

Refinance

Superstar

Summary

What They Do Well

Offers rates 21.10 basis points below market average
Lower than average lender fees
Particularly strong in Conventional and Jumbo loans
Nationwide availability with consistent service

Explore another lender or local market

Report Card

Bethpage Federal Credit Union performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Strong

Rates 21.1 bps below market avg

Pull Through

Closing strength

Sound

Top 60% of lenders

By Loan Product· Specialization by type

Conventional

Strong

Top 40% of lenders

FHA

Sound

Top 60% of lenders

Jumbo

Exceptional

Top 20% of lenders

By Loan Purpose· Transaction purpose mix

Purchase

Strong

Top 40% of lenders

Refinance

Strong

Top 40% of lenders

By Location· Geographic coverage

Geographic Reach

Near-National · 16 markets

Sound

Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Strong	Strong	Strong	Sound	1,018	82.5%	-0.238%Below	$1,470Fees
FHA Loans	Sound	Sound	Strong	Sound	30	2.4%	+0.716%Above	$82Fees
Jumbo Loans	Strong	Exceptional	Sound	Sound	185	15.0%	-0.235%Below	$1,271Fees

Conventional

Overall

Strong

Product

Strong

Pricing

Strong

Pull Through

Sound

Volume1,018

Mix82.5%

Spread

-0.238%Below

Fees

$1,470Fees

FHA Loans

Overall

Sound

Product

Sound

Pricing

Strong

Pull Through

Sound

Volume30

Mix2.4%

Spread

+0.716%Above

Fees

$82Fees

Jumbo Loans

Overall

Strong

Product

Exceptional

Pricing

Sound

Pull Through

Sound

Volume185

Mix15.0%

Spread

-0.235%Below

Fees

$1,271Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Strong	Strong	Sound	970	78.6%	-0.202%Below	$1,384Fees
Refinance	Strong	Strong	Strong	Sound	264	21.4%	-0.247%Below	$1,508Fees

Purchase

Overall

Sound

Product

Strong

Pricing

Strong

Pull Through

Sound

Volume970

Mix78.6%

Spread

-0.202%Below

Fees

$1,384Fees

Refinance

Overall

Strong

Product

Strong

Pricing

Strong

Pull Through

Sound

Volume264

Mix21.4%

Spread

-0.247%Below

Fees

$1,508Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

1,234

Applications

2,039

Volume

$726 million

Pricing & Closing

Avg Rate Spread

-0.211%

vs. market APOR

Avg Net Fees

$1,408

Origination − Credits

Pullthrough Rate

60.5%

Applications → Closed

Typical Borrower

Avg Loan Amount

$588,914

Avg Borrower Income

$310,633

Avg Property Value

$972,731

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Sound

3/5

States with Loan Originations

Northeast9

CTMEMANHNJNYPARIVT

Midwest7

ILINMIMNMOOHWI

South14

ALARDEFLGALAMDMSNCOKSCTNVAWV

West8

AZCACOHINVUTWAWY

Top Metro Areas by Place Specialization Score

1© Dicklyon · CC BY-SA 4.0

Nassau County, NYMetro

Volume 486Mix 39.38% of portfolio

89/100

Exceptional

2© Dllu · CC BY-SA 4.0

New York, NY-NJMetro

Volume 197Mix 15.96% of portfolio

74/100

Strong

3© Quintin Soloviev · CC BY 4.0

Bridgeport, CTMetro

Volume 25Mix 2.03% of portfolio

54/100

Sound

4© John Picken · CC BY 2.0

Chicago, ILMetro

Volume 45Mix 3.65% of portfolio

54/100

Sound

5© Mr. Matté · CC BY-SA 4.0

Lakewood, NJMetro

Volume 30Mix 2.43% of portfolio

53/100

Sound

Hilton Head Island, SCMetro

Volume 19Mix 1.54% of portfolio

52/100

Sound

Naples, FLMetro

Volume 11Mix 0.89% of portfolio

45/100

Sound

West Palm Beach, FLMetro

Volume 14Mix 1.13% of portfolio

44/100

Sound

Cambridge, MAMetro

Volume 14Mix 1.13% of portfolio

43/100

Sound

Barnstable Town, MAMetro

Volume 12Mix 0.97% of portfolio

43/100

Sound

Showing 10 of 15 metro areas

Top States by Place Specialization Score

New YorkState

Volume 699Mix 56.65% of portfolio

84/100

Exceptional

New JerseyState

Volume 71Mix 5.75% of portfolio

60/100

Sound

FloridaState

Volume 88Mix 7.13% of portfolio

55/100

Sound

IllinoisState

Volume 53Mix 4.29% of portfolio

54/100

Sound

ConnecticutState

Volume 38Mix 3.08% of portfolio

54/100

Sound

MassachusettsState

Volume 42Mix 3.40% of portfolio

53/100

Sound

CaliforniaState

Volume 53Mix 4.29% of portfolio

50/100

Sound

South CarolinaState

Volume 27Mix 2.19% of portfolio

48/100

Sound

MaineState

Volume 16Mix 1.30% of portfolio

45/100

Sound

North CarolinaState

Volume 21Mix 1.70% of portfolio

42/100

Sound

Showing 10 of 13 states

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts

Pricing

Rate and fee competitiveness (33%)

10/ 30 pts

Pull Through

Reliability in closing loans (33%)

10/ 30 pts

Product

Specialization in the loan type (33%)

💎

Champion(80%+ = 24-30 points)

⭐

Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.