an adjective meaning "not progressing", "ghetto
", "lazy", "unwilling".
The term derived from "HUD homes" (homes that have been foreclosed by the lenders & the US Department of Housing & Urban Development has taken over the ownerships by paying the rest of the mortgage). These houses would normally have the signs "HUD Home" displayed on the doors or windows; these signs are especially prominent in inner-cities during poor economic times.
He's such a huddy waiter. He has been working here for 2 months now and still hasn't learned how to hold 3 plates with one hand!