MID-HUDSON VALLEY Federal Credit Union at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the D grade breaks down
Each component is a percentile rank among 581 mid-size mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
5th36.9% deniedPricingmedian rate spread over APOR, weight 30%
7th0.86 ptsProcesswithdrawn + incomplete share, weight 15%
86th8.6%Closing coststotal loan costs ÷ loan amount, weight 10%
87th1.25% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 1,029 | 615 | 25.7% | 28.6% | 7.00% | $85M |
| 2024 | 1,146 | 647 | 29.8% | 33.1% | 7.25% | $104M |
| 2025 | 1,217 | 659 | 33.7% | 36.9% | 7.00% | $126M |
What MID-HUDSON VALLEY Federal Credit Union lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 503 home-equity lines, 0 reverse mortgages, 23 manufactured homes, 69 investment properties.
Why MID-HUDSON VALLEY Federal Credit Union denies applications
Primary reason reported for each of the 410 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at MID-HUDSON VALLEY Federal Credit Union
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 78 | 16 | 76.0% |
| $50k – $100k | 324 | 156 | 44.4% |
| $100k – $150k | 284 | 164 | 36.1% |
| $150k – $250k | 298 | 184 | 28.2% |
| Over $250k | 144 | 92 | 20.3% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 154 | 73 | 41.6% |
| 35–44 | 255 | 127 | 38.9% |
| 45–54 | 270 | 155 | 35.6% |
| 55–64 | 273 | 148 | 39.7% |
| 65–74 | 143 | 88 | 34.1% |
| Over 74 | 44 | 24 | 30.8% |
Where MID-HUDSON VALLEY Federal Credit Union lends
2 states and 25 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| New York | 1,216 | 659 | 33.6% | 7.00% | #74 |
Frequently asked questions
MID-HUDSON VALLEY Federal Credit Union denied 36.9% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 5th percentile of mid-size mortgage lenders.
The most common reason MID-HUDSON VALLEY Federal Credit Union gave in 2025 was "debt-to-income ratio", cited on 41.5% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans MID-HUDSON VALLEY Federal Credit Union originated in 2025 was 7.00%, and its median rate spread over the average prime offer rate was 0.86 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 24% of its applications were for home purchases, 55% for refinancing (including cash-out), and 21% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.