Compare Mortgage Lenders
Select two lenders to compare side by side using 2023 HMDA federal data: approval rates, denial rates, loan sizes, loan types, and geographic reach.
Key Metrics
| Metric | HUDSON VALLEY CREDIT | MID-HUDSON VALLEY FEDERAL |
|---|---|---|
| Total Applications | 5,970 ▲ | 1,156 |
| Loans Originated | 3,145 | 647 |
| Approval Rate (higher is better) | 52.7% | 56.0% ✓ |
| Denial Rate (lower is better) | 25.6% ✓ | 29.6% |
| Avg Loan Amount | $155,911 | $173,469 |
| Avg Interest Rate (lower is better) | 6.508% ✓ | 7.331% |
| Avg Applicant Income | $39,000 | $36,000 |
| Applications Denied | 1,528 | 342 |
| Applications Withdrawn | 241 | 111 |
✓ Better indicates the more favorable value for borrowers. Data: CFPB HMDA 2023.
Loan Type Mix
| Loan Type | HUDSON VALLEY CREDIT | MID-HUDSON VALLEY FEDERAL |
|---|---|---|
| Conventional | 5,934 (99.4%) | 1,156 (100.0%) |
| FHA | 34 (0.6%) | — |
| VA | 2 (0.0%) | — |
| USDA | — | — |
Loan Purpose Breakdown
| Purpose | HUDSON VALLEY CREDIT | MID-HUDSON VALLEY FEDERAL |
|---|---|---|
| Home Improvement | 2,591 | 105 |
| Other | 1,689 | 18 |
| Refinancing | 837 | 66 |
| Home Purchase | 672 | 275 |
| Cash-out Refinancing | 181 | 692 |
Top States by Loan Volume
| State | Originated | Rank |
|---|---|---|
| New York | 3,084 | #16 |
No state data available.
Summary
- 5,970 total applications · 3,145 originated
- Approval rate: 52.7%
- Denial rate: 25.6%
- Avg loan: $155,911
- Avg rate: 6.508%
- HQ: POUGHKEEPSIE, NY
- 1,156 total applications · 647 originated
- Approval rate: 56.0%
- Denial rate: 29.6%
- Avg loan: $173,469
- Avg rate: 7.331%
- HQ: KINGSTON, NY
Methodology
Comparisons are drawn from the CFPB 2024 HMDA Snapshot National Loan-Level Dataset, published by the Consumer Financial Protection Bureau and distributed via the FFIEC. Every figure on this page comes from lenders' mandatory HMDA filings — not voluntary marketing claims.
Approval (origination) rate = originated ÷ total applications. Denial rate = denied ÷ total applications. Rates do not sum to 100% because HMDA also records withdrawn, incomplete, and approved-but-not-accepted outcomes. Denial rates reflect a lender's applicant mix as much as its underwriting stance; compare alongside loan-type mix and geography before drawing conclusions.
Side-by-side comparisons are informational only and do not constitute financial, legal, or mortgage advice. Always obtain and compare written Loan Estimates before applying.