Lender in New York · HMDA 2025
Hudson Valley Credit Union mortgages in New York
Hudson Valley Credit Union's 2025 home-purchase and refinance lending in New York, compared with all lenders in the state.
Hudson Valley Credit Union originated 541 owner-occupied single-family loans in New York from 661 completed applications.
Its median conventional purchase loan costs were $3,860 versus $5,990 for all New York lenders, at a median 30-year fixed rate of 6.50% (New York: 6.50%).
Loans in NY
541
of 661 applications
Denial rate
9.6%
Purchase · NY 9.5%
Rate spread
−0.04 pts
Conv. · NY +0.07 pts
Loan amount
$335,000
Purchase · NY $375,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 470 | 403 | 9.6% | 6.500% | −0.04 pts | $3,860 | $335,000 |
| Refinance | 100 | 65 | 22.0% | — | +0.83 pts | $20 | $165,000 |
| Cash-out refinance | 91 | 73 | 13.2% | 7.000% | +0.09 pts | $3,890 | $275,000 |
*Conventional loans only; medians with at least 20 loans.
New York counties where Hudson Valley Credit Union ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Dutchess County | 2 | 209 | 8.4% |
| Ulster County | 4 | 68 | 4.7% |
| Orange County | 7 | 131 | 3.7% |
| Sullivan County | 7 | 23 | 3.8% |
| Putnam County | 10 | 25 | 2.4% |
| Columbia County | 18 | 6 | 1.2% |
| Schoharie County | 20 | 3 | 1.2% |
| Delaware County | 21 | 2 | 0.8% |
| Greene County | 25 | 3 | 0.8% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology