Hudson Valley Credit Union mortgage approval rate & lending review
Hudson Valley Credit Union decided 10,744 mortgage applications and funded 6,262 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Hudson Valley Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Hudson Valley Credit Union at a glance
Approval is 3.9 points above the 68.4% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 90% | 1,134 / 1,263 | 95% | $325K | 1,072 |
| Home improvement loans | 69% | 4,810 / 6,995 | 77% | $75K | 3,703 |
| Cash-out refinance | 76% | 189 / 249 | 89% | $235K | 169 |
| Refinance | 76% | 1,512 / 1,999 | 81% | $125K | 1,220 |
| Investment property purchase | 75% | 36 / 48 | 89% | $225K | 32 |
| Investment cash-out refinance | 90% | 36 / 40 | 94% | $265K | 34 |
| Investment home improvement | 24% | 30 / 126 | 77% | $145K | 23 |
Hudson Valley Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| New York | 72% | $75K | 10,593 | 6,177 |
| Connecticut | 73% | $105K | 142 | 79 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Hudson Valley Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Dutchess County, NY | Home improvement loans | 72% | 2,896 | 1,638 |
| Orange County, NY | Home improvement loans | 65% | 2,081 | 1,036 |
| Dutchess County, NY | Refinance | 79% | 793 | 507 |
| Dutchess County, NY | Mortgage lenders | 92% | 555 | 490 |
| Ulster County, NY | Home improvement loans | 71% | 883 | 478 |
| Westchester County, NY | Home improvement loans | 68% | 742 | 379 |
| Orange County, NY | Refinance | 74% | 571 | 345 |
| Orange County, NY | Mortgage lenders | 90% | 336 | 290 |
| Ulster County, NY | Refinance | 75% | 263 | 158 |
| Westchester County, NY | Refinance | 74% | 250 | 150 |
| Ulster County, NY | Mortgage lenders | 88% | 169 | 139 |
| Dutchess County, NY | Cash-out refinance | 74% | 113 | 75 |
The county markets where Hudson Valley Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Hudson Valley Credit Union
What is Hudson Valley Credit Union's mortgage approval rate?
Hudson Valley Credit Union approved 72.2% of the 10,744 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 3.9 points above the 68.4% national rate for the same mix of loan types.
How often do borrowers take the loan Hudson Valley Credit Union offers?
Borrowers accepted 81% of the loans Hudson Valley Credit Union approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Hudson Valley Credit Union make?
The typical home improvement loan loan Hudson Valley Credit Union made was $75K; across all loan types its typical loan ran from $75K to $325K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Hudson Valley Credit Union lend?
Hudson Valley Credit Union decided applications in 4 of the states Fat Boy Data covers, most of them in New York, Connecticut and Pennsylvania.
Can I apply to Hudson Valley Credit Union directly?
Yes. Hudson Valley Credit Union is a bank or credit union with 43 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Hudson Valley Credit Union's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Hudson Valley Credit Union treats applications, then get a rate quote from the lender.