What loan types does Hudson Valley Credit Union offer?

Hudson Valley Credit Union offers the following mortgage loan types: FHA, Conventional. Each product has its own pricing score and performance metrics.

Where does Hudson Valley Credit Union offer mortgages?

Hudson Valley Credit Union offers mortgages in 3 states: CT, NY, PA.

How competitive are Hudson Valley Credit Union's mortgage rates?

Hudson Valley Credit Union has an overall pricing score of 58.8/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Hudson Valley Credit Union?

Hudson Valley Credit Union is a Credit Union headquartered in Poughkeepsie, NY.

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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.

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

Promptness

Not enough data

—/5

No quote responses measured yet

Awards

Conventional

Superstar

Purchase

Superstar

Summary

What They Do Well

Strong pull through performance

Explore another lender or local market

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

3/5

Pull Through

Closing strength

Strong

Top 40% of lenders

4/5

By Loan Product· Specialization by type

Conventional

493 loans · 0.08% above market

Strong

Top 40% of lenders

4/5

FHA

11 loans · 1.17% above market

Sound

Top 60% of lenders

3/5

By Loan Purpose· Transaction purpose mix

Purchase

393 loans · 0.01% below market

Strong

Top 40% of lenders

4/5

Refinance

118 loans · 0.50% above market

Strong

Top 40% of lenders

4/5

By Location· Geographic coverage

Geographic Reach

Regional · 5 markets

Strong

Top 40% of lenders

4/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Strong	Strong	Sound	Strong	493	96.5%	+0.077%Above	$1,132Fees
FHA Loans	Sound	Sound	—	Sound	11	2.2%	+1.165%Above	$1,130Fees

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

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Strong	Strong	Strong	Sound	393	76.9%	-0.015%Below	$1,158Fees
Refinance	Sound	Strong	Acceptable	Sound	118	23.1%	+0.497%Above	$1,077Fees

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

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

3Full-year 2024 · HMDA

Loans originated

All statesNone

Northeast3

CTNYPA

Top Metro Areas by Place Specialization Score

Kiryas Joel, NYMetro

Volume 328Mix 64.19% of portfolio

100/100

Exceptional

Kingston, NYMetro

Volume 61Mix 11.94% of portfolio

80/100

Exceptional

New York, NY-NJMetro

Volume 56Mix 10.96% of portfolio

61/100

Strong

Albany, NYMetro

Volume 11Mix 2.15% of portfolio

43/100

Sound

Top States by Place Specialization Score

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 the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Champion(80%+ = 40-50 points)

Superstar(60-79% = 30-39 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.