John manages Home Equity and Consumer Lending for Bethpage Federal Credit Union, the 13th largest credit union by assets ($11.5B). Bethpage is the 10th Home Equity originator in the country according to Inside Mortgage Finance and is on pace to generate more than $1B in HELOC volume in 2022. Under John’s leadership Bethpage has seen significant growth in HELOC and Auto lending (on target for $600M in 2022). Additionally, John has established new origination channels, most notably outbound channels that convert paid and organic digital leads. Bethpage became a national player in 2016, and quickly moved to expand into markets beyond its Long Island footprint. As part of Bethpage’s efforts to optimize credit decisioning, John and team will soon be implementing Scienaptic’s AI/ML credit score.