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 score and performance metrics.

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 an overall pricing score of 76.7/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

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

MID-HUDSON VALLEY Federal Credit Union is a Credit Union headquartered in Kingston, NY.

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MID-HUDSON VALLEY Federal Credit Union

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

MID-HUDSON VALLEY Federal Credit Union has 156 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Strong

4/5

vs. all lenders

Pull-through

Acceptable

2/5

closing strength

Product

Sound

3/5

Conventional

Place

Strong

4/5

Single State · 3 mkts

Awards

Conventional

Superstar

Refinance

Superstar

Summary

What They Do Well

Competitive pricing compared to the market
Lower than average lender fees

Things to Think About

Pull through efficiency is below industry average

Explore another lender or local market

Report Card

MID-HUDSON VALLEY Federal Credit Union performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Strong

+1.6 bps above market avg

Pull Through

Closing strength

Acceptable

Bottom 40% of lenders

By Loan Product· Specialization by type

Conventional

Sound

Top 60% of lenders

By Loan Purpose· Transaction purpose mix

Purchase

Sound

Top 60% of lenders

Refinance

Strong

Top 40% of lenders

By Location· Geographic coverage

Geographic Reach

Single State · 4 markets

Sound

Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Strong	Sound	Strong	Sound	155	99.4%	+0.016%Above	$1,238Fees

Conventional

Overall

Strong

Product

Sound

Pricing

Strong

Pull Through

Sound

Volume155

Mix99.4%

Spread

+0.016%Above

Fees

$1,238Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Sound	Strong	Sound	110	70.5%	-0.074%Below	$1,512Fees
Refinance	Strong	Strong	Strong	Strong	46	29.5%	+0.227%Above	$595Fees

Purchase

Overall

Sound

Product

Sound

Pricing

Strong

Pull Through

Sound

Volume110

Mix70.5%

Spread

-0.074%Below

Fees

$1,512Fees

Refinance

Overall

Strong

Product

Strong

Pricing

Strong

Pull Through

Strong

Volume46

Mix29.5%

Spread

+0.227%Above

Fees

$595Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

156

Applications

328

Volume

$44 million

Pricing & Closing

Avg Rate Spread

+0.016%

vs. market APOR

Avg Net Fees

$1,238

Origination − Credits

Pullthrough Rate

47.6%

Applications → Closed

Typical Borrower

Avg Loan Amount

$283,974

Avg Borrower Income

$126,603

Avg Property Value

$459,231

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

Northeast1

Top Metro Areas by Place Specialization Score

Kingston, NYMetro

Volume 54Mix 34.62% of portfolio

81/100

Exceptional

Kiryas Joel, NYMetro

Volume 61Mix 39.10% of portfolio

75/100

Strong

New York, NY-NJMetro

Volume 16Mix 10.26% of portfolio

49/100

Sound

Top States by Place Specialization Score

New YorkState

Volume 156Mix 100.00% of portfolio

73/100

Strong

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.