Applications / Mortgage Analytics / Lenders / New York / Hudson Valley Credit Union
Poughkeepsie, NY · Credit union · NCUA · $8.1 billion assets · 3,721 loans in 2025
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3,721
loans originated, 2025
6,767
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Hudson Valley Credit Union ranks first among lenders in its home market of Kiryas Joel-Poughkeepsie-Newburgh, a home-improvement specialist that grew faster than most similar credit unions in 2025.
It ranks 1 of 282 lenders in Kiryas Joel-Poughkeepsie-Newburgh, where it has lent since before 1990, with 8.3% of the market, up 0.3 points, ahead of Rocket Mortgage and United Wholesale Mortgage. In Kingston it ranks 2 of 184, its share up 1.4 points to 7.1%.
Loans rose 18% to 3,721, higher than about three in four similar lenders (credit unions making between half and twice as many loans), whose typical growth was 8%, and the most in any year since 2018. Its 2025 merger with Catskill Hudson Bank, whose filings now count as its own, could account for part of this.
Home improvement made up 46.0% of its loans and home purchase only 12.3%. Its typical rate, 4.50%, was lower than nearly all peers' and only 0.2% of loans were higher-priced (a rate well above the average for similar loans), against 1.5%; its product mix could explain much of both.
Only 8.2% of its loans went to low- and moderate-income (LMI) tracts, against 15.0% at peers, among the very lowest, and LMI borrowers took 22.2% against 27.2%. Its focus on home improvement or a footprint centred on the Hudson Valley could explain this. Its majority-minority-tract share, 10.8%, is near the middle.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Hudson Valley Credit Union took 6,767 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 46.0% · Other 21.2% · Refinance 20.5% · Purchase 12.3%
Conventional 99.8% · FHA 0.2% · USDA (RHS or FSA) 0.0% · of 3,721 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| New York | 3,660 | 98.4% |
| Connecticut | 51 | 1.4% |
| Pennsylvania | 10 | 0.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Kiryas Joel-Poughkeepsie-Newburgh | 2,195 |
| New York-Jersey City-White Plains | 710 |
| Kingston | 416 |
| Albany-Schenectady-Troy | 99 |
| Bridgeport-Stamford-Danbury | 32 |
| Nassau County-Suffolk County | 13 |
| Glens Falls | 12 |
| New Haven | 7 |
| Syracuse | 6 |
| Hartford-West Hartford-East Hartford | 4 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 54930085BPQMVH9JFX69 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 483180 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 515802 | 1990–2017 |
Established 1 January 1963. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Hudson Valley Credit Union's data.
Hudson Valley Credit Union's data
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