Hudson Valley Credit Union in New York vs the state
25.4%Denial rate+5.65 pts vs state
26.9%Decision denial rate+2.83 pts vs state
55.1%Origination rate-4.45 pts vs state
4.50%Median rate-2.13 pts vs state
-2.57Rate spread (pts)-2.78 pts vs state
$128kMedian applicant income
3,660Loans originated
1,686Denied
Trend in New York
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 5,332 | 2,474 | 38.3% | 5.88% | #16 |
| 2024 | 5,680 | 3,084 | 26.3% | 6.13% | #14 |
| 2025 | 6,638 | 3,660 | 25.4% | 4.50% | #14 |
What Hudson Valley Credit Union 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 Valley Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Dutchess County | 2,258 | 1,306 | 524 | 23.2% |
| Orange County | 1,559 | 889 | 394 | 25.3% |
| Ulster County | 767 | 416 | 203 | 26.5% |
| Westchester County | 686 | 366 | 174 | 25.4% |
| Putnam County | 496 | 281 | 127 | 25.6% |
| Sullivan County | 194 | 103 | 55 | 28.4% |
| Columbia County | 140 | 62 | 44 | 31.4% |
| Rockland County | 100 | 48 | 29 | 29.0% |
| Saratoga County | 74 | 32 | 21 | 28.4% |
| Albany County | 66 | 33 | 17 | 25.8% |
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: 6,638 applications in 2025, of which 3,660 were originated and 1,686 denied.
25.4% of all applications, or 26.9% of the applications it actually decided on. The New York statewide average across all lenders was 19.8%.
The median rate on loans Hudson Valley Credit Union originated in New York in 2025 was 4.50%, against a statewide median of 6.63%.
About this data. Figures are Hudson Valley Credit Union'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