SUNMARK CREDIT UNION
SUNMARK CREDIT UNION received 1,376 applications in 2025 and made 933 mortgages, in 30 counties across 1 state. The median rate its borrowers got was 6.625% on a median loan of $155,000. Of 1,157 decisions, 154 were denials — 13.3%, most often for credit history.
| Legal Entity Identifier | 54930017CJWOENP0BZ82 |
|---|---|
| Applications received | 1,376 |
| Mortgages made | 933 |
| Denied | 154 |
| Approved, not taken up | 70 |
| Withdrawn or incomplete | 219 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.232 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 323 | 6.375% | $255,000 | 6.1% |
| Refinancing | 27 | 7.113% | $165,000 | 31.0% |
| Cash-out refinancing | 97 | 6.375% | $225,000 | 11.5% |
| Other purposes | 486 | 7.350% | $75,000 | 17.5% |
Where SUNMARK CREDIT UNION lends most
The 30 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Schenectady County, NY | 238 | 6.740% | 15.1% |
| Albany County, NY | 213 | 6.750% | 10.2% |
| Saratoga County, NY | 171 | 6.375% | 12.6% |
| Rensselaer County, NY | 106 | 6.375% | 12.7% |
| Columbia County, NY | 38 | 7.275% | 15.6% |
| Fulton County, NY | 37 | 6.750% | 14.9% |
| Montgomery County, NY | 27 | 6.500% | 0.0% |
| Westchester County, NY | 25 | 6.000% | 10.7% |
| Warren County, NY | 16 | 6.750% | 15.8% |
| Greene County, NY | 13 | 7.100% | 18.8% |
| Washington County, NY | 13 | 6.563% | 17.7% |
| Schoharie County, NY | 12 | 6.313% | 6.3% |
| Putnam County, NY | 6 | Under 10 loans | 25.0% |
| Dutchess County, NY | 3 | Under 10 loans | 0.0% |
| Essex County, NY | 3 | Under 10 loans | 0.0% |
| Hamilton County, NY | 2 | Under 10 loans | 33.3% |
| Nassau County, NY | 2 | Under 10 loans | 50.0% |
| Oneida County, NY | 2 | Under 10 loans | 0.0% |
| Orange County, NY | 2 | Under 10 loans | 33.3% |
| Delaware County, NY | 1 | Under 10 loans | 50.0% |
| Madison County, NY | 1 | Under 10 loans | 0.0% |
| Otsego County, NY | 1 | Under 10 loans | 0.0% |
| Rockland County, NY | 1 | Under 10 loans | 0.0% |
| Broome County, NY | 0 | Under 10 loans | 100.0% |
| Chenango County, NY | 0 | Under 10 loans | 100.0% |
| Clinton County, NY | 0 | Under 10 loans | 100.0% |
| Kings County, NY | 0 | Under 10 loans | Not published |
| Queens County, NY | 0 | Under 10 loans | 100.0% |
| Richmond County, NY | 0 | Under 10 loans | Not published |
| Ulster County, NY | 0 | Under 10 loans | 100.0% |
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When SUNMARK CREDIT UNION’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.