# HUDSON VALLEY CREDIT UNION

> **Canonical URL:** https://saferate.com/lenders/hudson-valley-credit-union


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


HUDSON VALLEY CREDIT UNION is a credit union, headquartered in Poughkeepsie, NY, serving borrowers across 3 states, with 511 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 41% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 38% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 54930085BPQMVH9JFX69
- **Headquarters:** Poughkeepsie, NY
- **Geographic Reach:** Regional
- **States Served:** 3
- **State List:** CT, NY, PA
- **Markets (MSAs):** 5
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 59/100
- Rating: ●●●○○ (3/5)

### Pull Through: Strong 😀
- Score: 62/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.094%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,141
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 511
- **Dollar Volume:** $160 million
- **Applications Received:** 866
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $313,180
- **Average Borrower Income:** $144,321
- **Average Property Value:** $463,121

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (63%)
- ⭐ **Purchase Gold Superstar** (64%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 71/100 | 493 | +0.077% | $1,132 | Strong 😀 |
| FHA | 54/100 | 11 | +1.165% | $1,130 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 376 loans, Score: 69/100 (Strong)
- Refinance: 117 loans, Score: 72/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 67/100 | 393 | $134M | -0.015% | Strong 😀 |
| Refinance | 71/100 | 118 | $26M | +0.497% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| NY | 497 | 0.44% | 82/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Kiryas Joel | NY | 328 | 100/100 |
| Kingston, NY | NY | 61 | 80/100 |
| New York | NY-NJ | 56 | 61/100 |
| Non |  | 39 | 39/100 |
| Albany | NY | 11 | 43/100 |

## Where This Lender Ranks

HUDSON VALLEY CREDIT UNION appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Kingston, NY for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/kingston-ny/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥈 **#2** in Kiryas Joel Credit Unions
  - [View Full Rankings](https://saferate.com/kiryas-joel/best-mortgage-lenders/credit-unions)
- 🥉 **#3** in Kiryas Joel for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/kiryas-joel/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#4** in Kiryas Joel for Jumbo Loans
  - [View Full Rankings](https://saferate.com/kiryas-joel/best-mortgage-lenders/jumbo-loans)
- 🏆 **#5** in New York for FHA Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/new-york-state/best-mortgage-lenders/credit-unions/fha-loans)
- 🏆 **#5** in Kingston, NY
  - [View Full Rankings](https://saferate.com/kingston-ny/best-mortgage-lenders)
- 🏆 **#6** in New York for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/new-york-state/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#6** in New York for Jumbo Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/new-york-state/best-mortgage-lenders/credit-unions/jumbo-loans)
- 🏆 **#6** in Kingston, NY for Conventional Loans
  - [View Full Rankings](https://saferate.com/kingston-ny/best-mortgage-lenders/conventional-loans)
- 🏆 **#7** in New York Credit Unions
  - [View Full Rankings](https://saferate.com/new-york-state/best-mortgage-lenders/credit-unions)
- 🏆 **#8** in Kiryas Joel
  - [View Full Rankings](https://saferate.com/kiryas-joel/best-mortgage-lenders)
- 🏆 **#9** in Kiryas Joel for Conventional Loans
  - [View Full Rankings](https://saferate.com/kiryas-joel/best-mortgage-lenders/conventional-loans)

## Frequently Asked Questions

### What loan types does HUDSON VALLEY CREDIT UNION offer?

HUDSON VALLEY CREDIT UNION offers the following mortgage loan types: FHA, Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does HUDSON VALLEY CREDIT UNION offer mortgages?

HUDSON VALLEY CREDIT UNION offers mortgages in 3 states: CT, NY, PA.

### How competitive are HUDSON VALLEY CREDIT UNION's mortgage rates?

HUDSON VALLEY CREDIT UNION has a pricing score of 59/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.094% above market average.

### What type of lender is HUDSON VALLEY CREDIT UNION?

HUDSON VALLEY CREDIT UNION is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Poughkeepsie, NY.

### What is HUDSON VALLEY CREDIT UNION's loan approval success rate?

HUDSON VALLEY CREDIT UNION has a pull-through score of 62/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/hudson-valley-credit-union

### How to Cite

> "HUDSON VALLEY CREDIT UNION Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/hudson-valley-credit-union

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