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.

Unclaimed

Bethpage Federal Credit Union

Credit Union•Bethpage, NY•Direct to Consumer

We analyzed every closed loan from Bethpage Federal Credit Union — 1.2k loans across 2k applications— and benchmarked them against peer lenders across the 4 Ps of Mortgage Shopping.

Pricing

Strong

vs. all lenders

Pull Through

Sound

closing strength

Products

Exceptional

FHA · Conventional · Jumbo

Place

Sound

Near-National · 15 mkts

Safe Rate Awards⭐Conventional Superstar⭐Jumbo Superstar⭐Purchase Superstar⭐Refinance Superstar

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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

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Report Card

Bethpage Federal Credit Union performance at a glance

Category	Score	vs. Peers
Overall Performance· Pricing & closing strength
Pricing Rate competitiveness	Strong	Highly Competitive Rates 21.1 bps below market avg
Pull Through Closing strength	Sound	Industry Standard Top 60% of lenders
By Loan Product· Specialization by type
Conventional	Strong	Highly Competitive Top 40% of lenders
FHA	Sound	Industry Standard Top 60% of lenders
Jumbo	Exceptional	Market Leader Top 20% of lenders
By Loan Purpose· Transaction purpose mix
Purchase	Strong	Highly Competitive Top 40% of lenders
Refinance	Strong	Highly Competitive Top 40% of lenders
By Location· Geographic coverage
Geographic Reach Coverage footprint	Sound	Industry Standard Top 60% of lenders Near-National16 markets

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

Loan Purpose Performance

Performance by Loan Purpose

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

States Served

We count Washington DC as a state

Avg Place Specialization

Sound

States with Loan Originations

ALARAZCACOCTDEFLGAHIILINLAMAMDMEMIMNMOMSNCNHNJNVNYOHOKPARISCTNUTVAVTWAWIWVWY

Top Metro Areas by Place Specialization Score

Nassau County, NYMSA

Volume: 486Mix: 39.38%of portfolio

Place

Exceptional

New York, NY-NJMSA

Volume: 197Mix: 15.96%of portfolio

Place

Strong

Bridgeport, CTMSA

Volume: 25Mix: 2.03%of portfolio

Place

Sound

Chicago, ILMSA

Volume: 45Mix: 3.65%of portfolio

Place

Sound

Lakewood, NJMSA

Volume: 30Mix: 2.43%of portfolio

Place

Sound

Hilton Head Island, SCMSA

Volume: 19Mix: 1.54%of portfolio

Place

Sound

Naples, FLMSA

Volume: 11Mix: 0.89%of portfolio

Place

Sound

West Palm Beach, FLMSA

Volume: 14Mix: 1.13%of portfolio

Place

Sound

Cambridge, MAMSA

Volume: 14Mix: 1.13%of portfolio

Place

Sound

Barnstable Town, MA, MAMSA

Volume: 12Mix: 0.97%of portfolio

Place

Sound

Showing 10 of 15 metro areas

Top States by Place Specialization Score

NYState

Volume: 699Mix: 56.65%of portfolio

Place

Exceptional

NJState

Volume: 71Mix: 5.75%of portfolio

Place

Sound

FLState

Volume: 88Mix: 7.13%of portfolio

Place

Sound

ILState

Volume: 53Mix: 4.29%of portfolio

Place

Sound

CTState

Volume: 38Mix: 3.08%of portfolio

Place

Sound

MAState

Volume: 42Mix: 3.40%of portfolio

Place

Sound

CAState

Volume: 53Mix: 4.29%of portfolio

Place

Sound

SCState

Volume: 27Mix: 2.19%of portfolio

Place

Sound

MEState

Volume: 16Mix: 1.30%of portfolio

Place

Sound

NCState

Volume: 21Mix: 1.70%of portfolio

Place

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)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

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 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

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.