MID-HUDSON VALLEY Federal Credit Union
MID-HUDSON VALLEY Federal Credit Union received 1,217 applications in 2025 and made 659 mortgages, in 25 counties across 2 states. The median rate its borrowers got was 7.000% on a median loan of $135,000. Of 1,112 decisions, 410 were denials — 36.9%, most often for debt-to-income ratio. 39 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 5493001VQ02LHMFEXJ21 |
|---|---|
| Applications received | 1,217 |
| Mortgages made | 659 |
| Denied | 410 |
| Approved, not taken up | 43 |
| Withdrawn or incomplete | 105 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.8615 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 | 144 | 6.250% | $340,000 | 35.7% |
| Refinancing | 22 | 6.438% | $240,000 | 52.9% |
| Cash-out refinancing | 354 | 7.250% | $105,000 | 35.5% |
| Other purposes | 139 | 7.250% | $105,000 | 38.0% |
Where MID-HUDSON VALLEY Federal Credit Union lends most
The 25 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Ulster County, NY | 258 | 7.000% | 33.4% |
| Dutchess County, NY | 166 | 7.000% | 33.8% |
| Orange County, NY | 107 | 7.000% | 38.2% |
| Westchester County, NY | 54 | 7.250% | 28.6% |
| Greene County, NY | 18 | 7.250% | 30.8% |
| Sullivan County, NY | 17 | 6.500% | 34.5% |
| Columbia County, NY | 15 | 7.000% | 42.3% |
| Putnam County, NY | 11 | 7.000% | 31.3% |
| Rockland County, NY | 6 | Under 10 loans | 50.0% |
| Delaware County, NY | 3 | Under 10 loans | 50.0% |
| Onondaga County, NY | 1 | Under 10 loans | 0.0% |
| Richmond County, NY | 1 | Under 10 loans | 0.0% |
| Schenectady County, NY | 1 | Under 10 loans | 50.0% |
| Warren County, NY | 1 | Under 10 loans | 0.0% |
| Albany County, NY | 0 | Under 10 loans | 66.7% |
| Bronx County, NY | 0 | Under 10 loans | 100.0% |
| Erie County, NY | 0 | Under 10 loans | 100.0% |
| Nassau County, NY | 0 | Under 10 loans | 100.0% |
| New York County, NY | 0 | Under 10 loans | 100.0% |
| Oswego County, NY | 0 | Under 10 loans | 100.0% |
| Queens County, NY | 0 | Under 10 loans | Not published |
| Rensselaer County, NY | 0 | Under 10 loans | 100.0% |
| Suffolk County, NY | 0 | Under 10 loans | 100.0% |
| Washington County, NY | 0 | Under 10 loans | 100.0% |
| Lackawanna County, PA | 0 | Under 10 loans | 100.0% |
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When MID-HUDSON VALLEY Federal Credit Union’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.