MID-HUDSON VALLEY Federal Credit Union in New York vs the state
33.6%Denial rate+13.88 pts vs state
36.8%Decision denial rate+12.77 pts vs state
54.2%Origination rate-5.40 pts vs state
7.00%Median rate+0.38 pts vs state
0.86Rate spread (pts)+0.65 pts vs state
$126kMedian applicant income
659Loans originated
409Denied
Trend in New York
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,028 | 615 | 25.7% | 7.00% | #76 |
| 2024 | 1,146 | 647 | 29.8% | 7.25% | #71 |
| 2025 | 1,216 | 659 | 33.6% | 7.00% | #74 |
What MID-HUDSON VALLEY Federal 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 MID-HUDSON VALLEY Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Ulster County | 442 | 258 | 134 | 30.3% |
| Dutchess County | 296 | 166 | 91 | 30.7% |
| Orange County | 195 | 107 | 71 | 36.4% |
| Westchester County | 96 | 54 | 24 | 25.0% |
| Sullivan County | 32 | 17 | 10 | 31.3% |
| Columbia County | 28 | 15 | 11 | 39.3% |
| Greene County | 27 | 18 | 8 | 29.6% |
| Putnam County | 18 | 11 | 5 | 27.8% |
| Rockland County | 16 | 6 | 7 | 43.8% |
| Delaware County | 8 | 3 | 3 | 37.5% |
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: 1,216 applications in 2025, of which 659 were originated and 409 denied.
33.6% of all applications, or 36.8% of the applications it actually decided on. The New York statewide average across all lenders was 19.8%.
The median rate on loans MID-HUDSON VALLEY Federal Credit Union originated in New York in 2025 was 7.00%, against a statewide median of 6.63%.
About this data. Figures are MID-HUDSON VALLEY Federal 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