Purchase Originations
133
Median Total Costs
$5,558
−16.8% vs national ($6,680)
↑ $258 vs prior year
Median Rate
6.250%
−3.7% vs national (6.490%)
↓ 0.250% vs prior year
Median Origination
$350
Median Lender Credits
$138
Denial Rate
23.4%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 133 | 6.250% | $5,558 | $350 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| New York | 133 | 6.250% | $5,558 | #105 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,072 | 6.562% | — | 2 | −$1,486 | |
| 2 | $4,901 | 6.438% | — | 8 | −$657 | |
| 3 | $5,202 | 6.000% | — | 1 | −$356 | |
| 4 | $5,213 | 6.375% | — | 20 | −$345 | |
| 5 | $5,443 | 6.375% | — | 40 | −$115 | |
| 6 | $5,663 | 6.375% | — | 45 | +$105 | |
| 7 | $6,035 | 6.375% | — | 1 | +$477 | |
| 8 | $6,127 | 6.000% | — | 2 | +$569 | |
| 9 | $7,891 | 6.000% | — | 11 | +$2,333 | |
| 10 | $10,060 | 6.000% | — | 3 | +$4,502 |
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 | Mid-Hudson Valley Federal Credit Union | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $335,000 | $335,000 | +$0 (+0.0%) |
| Median total closing costs | $5,558 | $7,127 | −$1,569 (−22.0%) |
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.