A sharp rebound
It made 166 loans, up from 118. Similar lenders (credit unions making between half and twice as many loans) grew 8%; it grew faster than about four in five of them. It is still well short of the 276 loans it made five years before.
Applications / Mortgage Analytics / Lenders / New York / Hudson River Community Credit Union
Hudson River Community Credit Union
Corinth, NY · Credit union · NCUA · $359 million assets · 166 loans in 2025
Hudson River Community Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
166
loans originated, 2025
405
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Hudson River Community Credit Union bounced back in 2025, making 41% more loans and gaining share in Glens Falls, where it ranks tenth among 145 lenders.
Gaining ground at home
In Glens Falls its share rose to 2.3% from 1.9%. Arrow Bank leads that market. In the much larger Albany-Schenectady-Troy market it is a small player, but its share there rose to 0.2% from 0.1%.
Cheaper than most
Most of its loans, 71.7%, were for other purposes; purchases were 22.3%. Its typical rate fell to 6.28% from 7.47% the year before. That is lower than about three in four similar lenders charge.
More borrowers of modest means
Low- and moderate-income (LMI) borrowers took 36.8% of its loans, up from 27.1%, a higher share than about seven in ten peers. Only 0.6% went to majority-minority neighborhoods, against 10.3% at peers. That may reflect where it lends: seven counties in one state.
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
166 loans in 2025, against a peak of 297 in 2021.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Hudson River Community Credit Union took 405 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
71.7% of its 2025 loans were other loans; all were conventional loans.
Other 71.7% · Purchase 22.3% · Refinance 4.2% · Home improvement 1.8%
Conventional 100.0% · of 166 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
1 state, 2 metros, 7 counties
| State | Loans | Share |
|---|---|---|
| New York | 166 | 100.0% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Glens Falls | 98 |
| Albany-Schenectady-Troy | 67 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300Z1CDO1XR2ZMQ19 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 45382 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 568342 | 1999–2017 |
Established 1 January 1954. Reported under HMDA 1999-2025.
Mergers, name changes, data editions and corrections: Hudson River Community Credit Union's data.
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