Bethpage Federal Credit Union
7,240 mortgages originated in 2025 across 17 states, and what they cost borrowers.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 7,240
- Median rate
- 6.490%
- Median lender fees
- $5,780
- Median loan amount
- $175,000
- Median spread over APOR
- -0.420
- Paid discount points
- 3%
- Received lender credits
- 1%
- Purchases / refinances
- 10.8% / 28.3%
- Conventional / FHA / VA
- 99.5% / 0.5% / 0%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 13.1% of loans here — see methodology.
Where Bethpage Federal Credit Union lent
States with at least 50 loans in 2025, ranked by volume.
| State | Loans | Median fees | Median rate |
|---|---|---|---|
| New York | 4,085 | $5,920 | 6.490% |
| California | 552 | — | 6.490% |
| Florida | 358 | $5,955 | 6.750% |
| New Jersey | 336 | $5,984 | 6.490% |
| Georgia | 195 | — | 6.490% |
| North Carolina | 136 | — | 6.490% |
| Connecticut | 119 | — | 6.490% |
| Pennsylvania | 113 | — | 6.490% |
| Illinois | 112 | — | 6.490% |
| Washington | 111 | — | 6.490% |
| Virginia | 109 | — | 6.490% |
| South Carolina | 89 | — | 6.490% |
| Arizona | 85 | — | 6.490% |
| Massachusetts | 84 | — | 6.490% |
| Colorado | 74 | — | 6.490% |
| Tennessee | 72 | — | 6.558% |
| Nevada | 65 | — | 6.490% |