# MID-HUDSON VALLEY Federal Credit Union

> **Canonical URL:** https://saferate.com/lenders/mid-hudson-valley-federal-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


MID-HUDSON VALLEY Federal Credit Union is a credit union, headquartered in Kingston, NY, with 156 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 23% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 64% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 5493001VQ02LHMFEXJ21
- **Headquarters:** Kingston, NY
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** NY
- **Markets (MSAs):** 4
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 77/100
- Rating: ●●●●○ (4/5)

### Pull Through: Acceptable 🙂
- Score: 36/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** +0.016%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,238
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 156
- **Dollar Volume:** $44 million
- **Applications Received:** 328
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $283,974
- **Average Borrower Income:** $126,603
- **Average Property Value:** $459,231

## Safe Rate Awards 🏆

- ⭐ **Refinance Gold Superstar** (70%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 57/100 | 155 | +0.016% | $1,238 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 109 loans, Score: 51/100 (Sound)
- Refinance: 46 loans, Score: 63/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 51/100 | 110 | $36M | -0.074% | Sound ☺️ |
| Refinance | 62/100 | 46 | $8M | +0.227% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| NY | 156 | 0.14% | 73/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Kiryas Joel | NY | 61 | 75/100 |
| Kingston, NY | NY | 54 | 81/100 |
| Non |  | 19 | 33/100 |
| New York | NY-NJ | 16 | 49/100 |

## Where This Lender Ranks

MID-HUDSON VALLEY Federal Credit Union appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥈 **#2** in Kingston, NY for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/kingston-ny/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#4** in Kiryas Joel for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/kiryas-joel/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#5** in Kiryas Joel Credit Unions
  - [View Full Rankings](https://saferate.com/kiryas-joel/best-mortgage-lenders/credit-unions)
- 🏆 **#11** in Kingston, NY
  - [View Full Rankings](https://saferate.com/kingston-ny/best-mortgage-lenders)
- 🏆 **#12** in Kingston, NY for Conventional Loans
  - [View Full Rankings](https://saferate.com/kingston-ny/best-mortgage-lenders/conventional-loans)

## Frequently Asked Questions

### What loan types does MID-HUDSON VALLEY Federal Credit Union offer?

MID-HUDSON VALLEY Federal Credit Union offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does MID-HUDSON VALLEY Federal Credit Union offer mortgages?

MID-HUDSON VALLEY Federal Credit Union offers mortgages in 1 states: NY.

### How competitive are MID-HUDSON VALLEY Federal Credit Union's mortgage rates?

MID-HUDSON VALLEY Federal Credit Union has a pricing score of 77/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.016% above market average.

### What type of lender is MID-HUDSON VALLEY Federal Credit Union?

MID-HUDSON VALLEY Federal Credit Union is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Kingston, NY.

### What is MID-HUDSON VALLEY Federal Credit Union's loan approval success rate?

MID-HUDSON VALLEY Federal Credit Union has a pull-through score of 36/100 (Acceptable). 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/mid-hudson-valley-federal-credit-union

### How to Cite

> "MID-HUDSON VALLEY Federal Credit Union Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/mid-hudson-valley-federal-credit-union

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