# HUDSON RIVER COMMUNITY

> **Canonical URL:** https://saferate.com/lenders/hudson-river-community

> **📋 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 RIVER COMMUNITY is a credit union, headquartered in Corinth, NY, with 42 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 7% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 83% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300Z1CDO1XR2ZMQ19
- **Headquarters:** Corinth, NY
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** NY
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Exceptional 🤩
- Score: 93/100
- Rating: ●●●●● (5/5)

### Pull Through: Mediocre 😐
- Score: 17/100
- Rating: ●○○○○ (1/5)

### Pricing Details
- **Average Rate Spread:** +0.075%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $-554
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 42
- **Dollar Volume:** $7 million
- **Applications Received:** 169
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $162,619
- **Average Borrower Income:** $109,905

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 43/100 | 42 | +0.075% | $-554 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 29 loans, Score: 39/100 (Acceptable)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 39/100 | 29 | $5M | -0.319% | Acceptable 🙂 |
| Refinance | 23/100 | 13 | $2M | +0.651% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| NY | 42 | 0.04% | 62/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Glens Falls, NY | NY | 31 | 71/100 |
| Albany | NY | 11 | 49/100 |

## Frequently Asked Questions

### What loan types does HUDSON RIVER COMMUNITY offer?

HUDSON RIVER COMMUNITY offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does HUDSON RIVER COMMUNITY offer mortgages?

HUDSON RIVER COMMUNITY offers mortgages in 1 states: NY.

### How competitive are HUDSON RIVER COMMUNITY's mortgage rates?

HUDSON RIVER COMMUNITY has a pricing score of 93/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.075% above market average.

### What type of lender is HUDSON RIVER COMMUNITY?

HUDSON RIVER COMMUNITY is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Corinth, NY.

### What is HUDSON RIVER COMMUNITY's loan approval success rate?

HUDSON RIVER COMMUNITY has a pull-through score of 17/100 (Mediocre). 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:** 2026-05-29
**Canonical URL:** https://saferate.com/lenders/hudson-river-community

### How to Cite

> "HUDSON RIVER COMMUNITY Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/hudson-river-community

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