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Hudson Valley Credit Union

Credit Union•Poughkeepsie, NYHQ•Direct•Reviews near you on Google

We analyzed every closed loan from Hudson Valley Credit Union — 511 loans across 866 applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Sound
3/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional
Place
Strong
4/5
Regional · 4 mkts
Safe Rate Awards
Conventional Superstar
Conventional
Superstar
Purchase Superstar
Purchase
Superstar

Safe Rate Summary

What They Do Well

  • Strong pull through performance

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Report Card

Hudson Valley Credit Union performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+9.4 bps above market avg
Pull Through
Closing strength
Strong
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Top 40% of lenders
FHA
Sound
Top 60% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Top 40% of lenders
Refinance
Strong
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
Regional · 5 markets
Strong
Top 40% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Strong
Product
Strong
Pricing
Sound
Pull Through
Strong
Volume493
Mix96.5%
Spread
+0.077%Above
Fees
$1,132Fees
FHA Loans
Overall
Sound
Product
Sound
Pricing—
Pull Through
Sound
Volume11
Mix2.2%
Spread
+1.165%Above
Fees
$1,130Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Strong
Product
Strong
Pricing
Strong
Pull Through
Sound
Volume393
Mix76.9%
Spread
-0.015%Below
Fees
$1,158Fees
Refinance
Overall
Sound
Product
Strong
Pricing
Acceptable
Pull Through
Sound
Volume118
Mix23.1%
Spread
+0.497%Above
Fees
$1,077Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
511
Applications
866
Volume
$160 million
Pricing & Closing
Avg Rate Spread
+0.094%
vs. market APOR
Avg Net Fees
$1,141
Origination − Credits
Pullthrough Rate
59.0%
Applications → Closed
Typical Borrower
Avg Loan Amount
$313,180
Avg Borrower Income
$144,321
Avg Property Value
$463,121

Geographic Coverage

Geographic Performance

Metro Areas
4
markets with activity
States Served
3
of 50 states + DC
Avg Place Specialization
Strong
4/5

States with Loan Originations

3
3 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Northeast3
CTNYPA

Top Metro Areas by Place Specialization Score

1© Juliancolton · Public domain
Kiryas Joel, NYMetro
Volume 328Mix 64.19% of portfolio
100/100
Exceptional
2© Alexisrael · CC BY-SA 3.0
Kingston, NYMetro
Volume 61Mix 11.94% of portfolio
80/100
Exceptional
3© Dllu · CC BY-SA 4.0
New York, NY-NJMetro
Volume 56Mix 10.96% of portfolio
61/100
Strong
4© Khtexg98537 at English Wikipedia · CC BY-SA 3.0
Albany, NYMetro
Volume 11Mix 2.15% of portfolio
43/100
Sound

Top States by Place Specialization Score

New York
New York
1
New YorkState
Volume 497Mix 97.26% of portfolio
82/100
Exceptional

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.