Hudson River Community in New York vs the state
36.1%Denial rate+16.32 pts vs state
46.6%Decision denial rate+22.58 pts vs state
41.3%Origination rate-18.30 pts vs state
6.28%Median rate-0.35 pts vs state
0.13Rate spread (pts)-0.08 pts vs state
$90kMedian applicant income
166Loans originated
145Denied
Trend in New York
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 330 | 114 | 37.9% | 6.95% | #155 |
| 2024 | 333 | 118 | 35.7% | 7.48% | #159 |
| 2025 | 402 | 166 | 36.1% | 6.28% | #151 |
What Hudson River Community lends in New York
By loan purpose
By loan type
Why it denied New York applicants
Where in New York
Counties with the most Hudson River Community applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Saratoga County | 137 | 53 | 49 | 35.8% |
| Warren County | 118 | 49 | 41 | 34.7% |
| Washington County | 110 | 49 | 38 | 34.5% |
| Albany County | 13 | 6 | 5 | 38.5% |
| Rensselaer County | 12 | 5 | 5 | 41.7% |
| Schenectady County | 7 | 3 | 3 | 42.9% |
| Fulton County | 1 | 1 | 0 | 0.0% |
| Dutchess County | 1 | 0 | 1 | 100.0% |
| Essex County | 1 | 0 | 1 | 100.0% |
Other large lenders in New York
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Citizens Bank | C | 20,315 | 32.7% | 7.97% |
| Rocket Mortgage | C | 19,924 | 22.0% | 6.88% |
| United Shore Financial Services | B | 14,777 | 11.2% | 6.50% |
| JPMorgan Chase Bank | B | 14,735 | 11.7% | 6.38% |
| Manufacturers and Traders Trust | C | 12,335 | 31.3% | 5.99% |
| Bank of America | F | 10,193 | 35.7% | 5.99% |
| Bethpage Federal Credit Union | C | 9,736 | 47.2% | 6.49% |
| TD Bank | D | 9,239 | 30.2% | 7.69% |
| Newrez | D | 8,654 | 24.2% | 6.75% |
| ESL Federal Credit Union | B | 7,817 | 17.6% | 4.50% |
Frequently asked questions
New York: 402 applications in 2025, of which 166 were originated and 145 denied.
36.1% of all applications, or 46.6% of the applications it actually decided on. The New York statewide average across all lenders was 19.8%.
The median rate on loans Hudson River Community originated in New York in 2025 was 6.28%, against a statewide median of 6.63%.
About this data. Figures are Hudson River Community's own HMDA filing for properties located in New York, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology