Purchase Originations
417
Median Total Costs
$3,916
−41.4% vs national ($6,680)
↓ $131 vs prior year
Median Rate
6.375%
−1.8% vs national (6.490%)
↑ 0.000% vs prior year
Median Origination
$813
Median Lender Credits
$500
Denial Rate
7.6%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 409 | 6.250% | $3,883 | $811 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| New York | 407 | 6.375% | $3,885 | #56 |
| Pennsylvania | 8 | 6.438% | $5,359 | — |
| Connecticut | 2 | 6.125% | $3,325 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,325 | 6.125% | — | 2 | −$591 | |
| 2 | $3,414 | 6.188% | — | 4 | −$502 | |
| 3 | $3,436 | 6.375% | — | 3 | −$480 | |
| 4 | $3,494 | 6.250% | — | 164 | −$422 | |
| 5 | $3,525 | 5.875% | — | 1 | −$391 | |
| 6 | $3,676 | 6.562% | — | 16 | −$240 | |
| 7 | $3,681 | 6.125% | — | 47 | −$235 | |
| 8 | $3,734 | 6.125% | — | 5 | −$182 | |
| 9 | $3,963 | 5.750% | — | 20 | +$47 | |
| 10 | $4,003 | 6.625% | — | 12 | +$87 | |
| 11 | $4,267 | 6.375% | — | 102 | +$351 | |
| 12 | $4,295 | 6.250% | — | 4 | +$379 | |
| 13 | $4,622 | 6.562% | — | 2 | +$706 | |
| 14 | $4,744 | 6.188% | — | 12 | +$828 | |
| 15 | $4,774 | 5.812% | — | 2 | +$858 | |
| 16 | $4,988 | 6.062% | — | 2 | +$1,072 | |
| 17 | $5,320 | 6.375% | — | 5 | +$1,404 | |
| 18 | $5,514 | 6.562% | — | 2 | +$1,598 | |
| 19 | $8,740 | 6.125% | — | 3 | +$4,824 | |
| 20 | $12,075 | 7.250% | — | 1 | +$8,159 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Hudson Valley Credit Union | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $325,000 | $335,000 | −$10,000 (−3.0%) |
| Median total closing costs | $3,916 | $7,127 | −$3,211 (−45.1%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.