SUN Federal Credit Union mortgage approval rate & lending review
SUN Federal Credit Union decided 906 mortgage applications and funded 767 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions SUN Federal Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
SUN Federal Credit Union at a glance
Approval is 13.6 points above the 72.5% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 96% | 240 / 251 | 97% | $155K | 232 |
| Home improvement loans | 81% | 343 / 426 | 100% | $45K | 343 |
| Cash-out refinance | 89% | 56 / 63 | 95% | $115K | 53 |
| Refinance | 78% | 74 / 95 | 99% | $65K | 73 |
| Investment property purchase | 97% | 30 / 31 | 97% | $105K | 29 |
SUN Federal Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Ohio | 90% | $65K | 566 | 502 |
| Pennsylvania | 77% | $105K | 231 | 173 |
| Michigan | 85% | $85K | 34 | 28 |
| New Jersey | 85% | $55K | 26 | 21 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where SUN Federal Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Lucas County, OH | Home improvement loans | 81% | 202 | 163 |
| Lucas County, OH | Mortgage lenders | 96% | 132 | 123 |
| Wood County, OH | Home improvement loans | 93% | 68 | 63 |
| Wood County, OH | Mortgage lenders | 98% | 43 | 41 |
| Lucas County, OH | Refinance | 92% | 36 | 33 |
| Berks County, PA | Home improvement loans | 83% | 24 | 20 |
| Philadelphia County, PA | Home improvement loans | 53% | 36 | 19 |
| Montgomery County, PA | Home improvement loans | 71% | 21 | 15 |
| Philadelphia County, PA | Cash-out refinance | 65% | 20 | 12 |
The county markets where SUN Federal Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about SUN Federal Credit Union
What is SUN Federal Credit Union's mortgage approval rate?
SUN Federal Credit Union approved 86.1% of the 906 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 13.6 points above the 72.5% national rate for the same mix of loan types.
How often do borrowers take the loan SUN Federal Credit Union offers?
Borrowers accepted 98% of the loans SUN Federal Credit Union approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does SUN Federal Credit Union make?
The typical home improvement loan loan SUN Federal Credit Union made was $45K; across all loan types its typical loan ran from $45K to $155K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does SUN Federal Credit Union lend?
SUN Federal Credit Union decided applications in 20 of the states Fat Boy Data covers, most of them in Ohio, Pennsylvania and Michigan.
Can I apply to SUN Federal Credit Union directly?
Yes. SUN Federal Credit Union is a bank or credit union with 15 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show SUN Federal Credit Union's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how SUN Federal Credit Union treats applications, then get a rate quote from the lender.