Applications / Mortgage Analytics / Lenders / New York / Mid-Hudson Valley Federal Credit Union
Kingston, NY · Credit union · NCUA · $1.7 billion assets · 659 loans in 2025
Mid-Hudson Valley Federal Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
659
loans originated, 2025
1,217
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Mid-Hudson Valley Federal Credit Union is a Hudson Valley lender, fifth in Kingston with a rising share, whose 659 loans in 2025 were mostly refinances and home-improvement loans.
In Kingston it ranks 5 of 184 lenders, with 4.5% of lending, up 0.4 points from 4.1%. Ulster Savings Bank, Hudson Valley Credit Union, Rocket Mortgage and Homestead Funding lead there. It has lent in Kingston since 1992.
In Kiryas Joel-Poughkeepsie-Newburgh, its other main market, it ranks 18 of 282 lenders with 1.3%, up from 1.2%. Hudson Valley Credit Union leads there, followed by Rocket Mortgage and United Wholesale Mortgage.
Refinances were 57.1% of its loans, home purchases 21.9% and home improvement 21.1%, and every loan was conventional. Its typical loan of $135,000 is larger than the $105,000 of credit unions making between half and twice as many loans. Its loan count grew 2%, a little slower than those lenders' 6%, while its dollar volume rose from $103.8 million to $126.3 million.
25.7% of its loans went to low- and moderate-income (LMI) borrowers, against 26.9% for similar lenders, near the middle of them. Its share in majority-minority tracts, 9.6%, is also 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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Mid-Hudson Valley Federal Credit Union took 1,217 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 57.1% · Purchase 21.9% · Home improvement 21.1%
Conventional 100.0% · of 659 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 | 659 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Kiryas Joel-Poughkeepsie-Newburgh | 273 |
| Kingston | 258 |
| New York-Jersey City-White Plains | 72 |
| Albany-Schenectady-Troy | 1 |
| Glens Falls | 1 |
| Syracuse | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493001VQ02LHMFEXJ21 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 480581 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 515766 | 1994–2017 |
Established 1 January 1963. Reported under HMDA 1994-2025.
Mergers, name changes, data editions and corrections: Mid-Hudson Valley Federal Credit Union's data.
Mid-Hudson Valley Federal Credit Union's data
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Mid-Hudson Valley Federal Credit Union and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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