Mid-Hudson Valley Federal Credit Union mortgage approval rate & lending review
Mid-Hudson Valley Federal Credit Union decided 2,666 mortgage applications and funded 1,712 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Mid-Hudson Valley Federal Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Mid-Hudson Valley Federal Credit Union at a glance
Approval is 3.0 points below the 71.5% 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 | 77% | 361 / 470 | 88% | $285K | 319 |
| Home improvement loans | 68% | 289 / 422 | 96% | $85K | 276 |
| Cash-out refinance | 67% | 1,040 / 1,551 | 95% | $85K | 991 |
| Refinance | 50% | 64 / 128 | 91% | $125K | 58 |
| Investment property purchase | 85% | 23 / 27 | 96% | $265K | 22 |
| Investment cash-out refinance | 57% | 23 / 40 | 87% | $155K | 20 |
Mid-Hudson Valley Federal Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| New York | 69% | $85K | 2,665 | 1,712 |
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 Mid-Hudson Valley Federal Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Ulster County, NY | Cash-out refinance | 69% | 676 | 449 |
| Dutchess County, NY | Cash-out refinance | 65% | 389 | 244 |
| Orange County, NY | Cash-out refinance | 66% | 311 | 195 |
| Ulster County, NY | Home improvement loans | 72% | 177 | 123 |
| Ulster County, NY | Mortgage lenders | 75% | 161 | 107 |
| Dutchess County, NY | Mortgage lenders | 78% | 148 | 102 |
| Westchester County, NY | Cash-out refinance | 71% | 133 | 85 |
| Orange County, NY | Mortgage lenders | 79% | 109 | 77 |
| Dutchess County, NY | Home improvement loans | 69% | 118 | 76 |
| Orange County, NY | Home improvement loans | 60% | 83 | 48 |
| Ulster County, NY | Refinance | 54% | 56 | 28 |
| Westchester County, NY | Home improvement loans | 72% | 29 | 21 |
The county markets where Mid-Hudson Valley Federal Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Mid-Hudson Valley Federal Credit Union
What is Mid-Hudson Valley Federal Credit Union's mortgage approval rate?
Mid-Hudson Valley Federal Credit Union approved 68.5% of the 2,666 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 3.0 points below the 71.5% national rate for the same mix of loan types.
How often do borrowers take the loan Mid-Hudson Valley Federal Credit Union offers?
Borrowers accepted 94% of the loans Mid-Hudson Valley Federal Credit Union approved, against 94% for all cash-out refinance lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Mid-Hudson Valley Federal Credit Union make?
The typical cash-out refinance loan Mid-Hudson Valley Federal Credit Union made was $85K; across all loan types its typical loan ran from $85K to $285K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Mid-Hudson Valley Federal Credit Union lend?
Mid-Hudson Valley Federal Credit Union decided applications in 2 of the states Fat Boy Data covers, most of them in New York and Pennsylvania.
Can I apply to Mid-Hudson Valley Federal Credit Union directly?
Yes. Mid-Hudson Valley Federal Credit Union is a bank or credit union with 14 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Mid-Hudson Valley Federal 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 Mid-Hudson Valley Federal Credit Union treats applications, then get a rate quote from the lender.