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Bethpage Federal Credit Union
Credit Union|Bethpage, NY|Near-National
Loans Originated
1,234
Applications
2,039
Volume
$726 million
Offers loans directly to consumersSources loans from independent brokers
Overall Pricing
Strong
Overall Pull Through
Sound
Safe Rate Awards⭐Conventional Superstar⭐Jumbo Superstar⭐Purchase Superstar⭐Refinance Superstar
Pricing and Pullthrough Overview
Average Rate Spread
-0.211%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$1,408
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
60.5%
Percentage of applications that result in closed loans
Safe Rate's 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
Report Card
Bethpage Federal Credit Union performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Strong | Highly Competitive | |
Pull Through Closing Strength | Sound | Industry Standard | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
FHA | Sound | Industry Standard | |
Jumbo | Exceptional | Market Leader | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Sound | Near-National · 16 metro areas · 38 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$588,914
Average Borrower Income
$310,633
Average Property Value
$972,731
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% | $1,470 |
FHA Loans | Sound | Sound | Strong | Sound | 30 | 2.4% | +0.716% | $82 |
Jumbo Loans | Strong | Exceptional | Sound | Sound | 185 | 15.0% | -0.235% | $1,271 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Strong | Strong | Strong | Sound | 970 | 78.6% | -0.202% | $1,384 |
Refinance | Strong | Strong | Strong | Sound | 264 | 21.4% | -0.247% | $1,508 |
Geographic Coverage
Metro Areas
15
States Served
38
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
ALARAZCACOCTDEFLGAHIILINLAMAMDMEMIMNMOMSNCNHNJNVNYOHOKPARISCTNUTVAVTWAWIWVWY
Top Metro Areas by Place Specialization Score
1
Nassau County, NYMSA
Volume: 486Mix: 39.38%
Place Specialization
Exceptional
2
New York, NY-NJMSA
Volume: 197Mix: 15.96%
Place Specialization
Strong
3
Bridgeport, CTMSA
Volume: 25Mix: 2.03%
Place Specialization
Sound
4
Chicago, ILMSA
Volume: 45Mix: 3.65%
Place Specialization
Sound
5
Lakewood, NJMSA
Volume: 30Mix: 2.43%
Place Specialization
Sound
6
Hilton Head Island, SCMSA
Volume: 19Mix: 1.54%
Place Specialization
Sound
7
Naples, FLMSA
Volume: 11Mix: 0.89%
Place Specialization
Sound
8
West Palm Beach, FLMSA
Volume: 14Mix: 1.13%
Place Specialization
Sound
9
Cambridge, MAMSA
Volume: 14Mix: 1.13%
Place Specialization
Sound
10
Barnstable Town, MA, MAMSA
Volume: 12Mix: 0.97%
Place Specialization
Sound
Showing 10 of 15 metro areas
Top States by Place Specialization Score
1
NYState
Volume: 699Mix: 56.65%
Place Specialization
Exceptional
2
NJState
Volume: 71Mix: 5.75%
Place Specialization
Sound
3
FLState
Volume: 88Mix: 7.13%
Place Specialization
Sound
4
ILState
Volume: 53Mix: 4.29%
Place Specialization
Sound
5
CTState
Volume: 38Mix: 3.08%
Place Specialization
Sound
6
MAState
Volume: 42Mix: 3.40%
Place Specialization
Sound
7
CAState
Volume: 53Mix: 4.29%
Place Specialization
Sound
8
SCState
Volume: 27Mix: 2.19%
Place Specialization
Sound
9
MEState
Volume: 16Mix: 1.30%
Place Specialization
Sound
10
NCState
Volume: 21Mix: 1.70%
Place Specialization
Sound
Showing 10 of 13 states
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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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