HUDSON RIVER COMMUNITY
HUDSON RIVER COMMUNITY received 404 applications in 2025 and made 166 mortgages, in 11 counties across 3 states. The median rate its borrowers got was 6.275% on a median loan of $95,000. Of 313 decisions, 147 were denials — 47.0%, most often for debt-to-income ratio. 2 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 549300Z1CDO1XR2ZMQ19 |
|---|---|
| Applications received | 404 |
| Mortgages made | 166 |
| Denied | 147 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 91 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.128 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 37 | 6.350% | $215,000 | 59.8% |
| Refinancing | 3 | Under 10 loans | Under 10 loans | 62.5% |
| Cash-out refinancing | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Other purposes | 122 | 6.250% | $75,000 | 41.3% |
Where HUDSON RIVER COMMUNITY lends most
The 11 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Saratoga County, NY | 53 | 6.250% | 48.0% |
| Warren County, NY | 49 | 6.250% | 45.6% |
| Washington County, NY | 49 | 6.500% | 43.7% |
| Albany County, NY | 6 | Under 10 loans | 45.5% |
| Rensselaer County, NY | 5 | Under 10 loans | 50.0% |
| Schenectady County, NY | 3 | Under 10 loans | 50.0% |
| Fulton County, NY | 1 | Under 10 loans | 0.0% |
| Dutchess County, NY | 0 | Under 10 loans | 100.0% |
| Essex County, NY | 0 | Under 10 loans | 100.0% |
| Pasquotank County, NC | 0 | Under 10 loans | 100.0% |
| Monroe County, PA | 0 | Under 10 loans | 100.0% |
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When HUDSON RIVER COMMUNITY’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.