Sunmark Credit Union mortgage approval rate & lending review
Sunmark Credit Union decided 2,743 mortgage applications and funded 2,186 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Sunmark Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Sunmark Credit Union at a glance
Approval is 12.2 points above the 72.8% 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 | 94% | 767 / 819 | 83% | $255K | 639 |
| Home improvement loans | 80% | 1,103 / 1,380 | 100% | $65K | 1,103 |
| Cash-out refinance | 69% | 58 / 84 | 81% | $245K | 47 |
| Refinance | 71% | 94 / 133 | 96% | $105K | 90 |
| Investment property purchase | 97% | 97 / 100 | 97% | $185K | 94 |
| Investment cash-out refinance | 89% | 73 / 82 | 97% | $205K | 71 |
| Investment refinance | 99% | 131 / 132 | 100% | $185K | 131 |
Sunmark Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| New York | 85% | $65K | 2,743 | 2,186 |
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 Sunmark Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Schenectady County, NY | Home improvement loans | 79% | 487 | 383 |
| Saratoga County, NY | Home improvement loans | 84% | 377 | 316 |
| Albany County, NY | Home improvement loans | 81% | 273 | 221 |
| Schenectady County, NY | Mortgage lenders | 94% | 264 | 207 |
| Albany County, NY | Mortgage lenders | 94% | 221 | 171 |
| Saratoga County, NY | Mortgage lenders | 96% | 162 | 133 |
| Rensselaer County, NY | Mortgage lenders | 92% | 146 | 108 |
| Rensselaer County, NY | Home improvement loans | 68% | 124 | 84 |
| Westchester County, NY | Home improvement loans | 89% | 83 | 74 |
| Albany County, NY | Investment property purchase | 97% | 35 | 34 |
| Albany County, NY | Investment cash-out refinance | 100% | 34 | 34 |
| Schenectady County, NY | Refinance | 67% | 48 | 31 |
The county markets where Sunmark Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Sunmark Credit Union
What is Sunmark Credit Union's mortgage approval rate?
Sunmark Credit Union approved 85.1% of the 2,743 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 12.2 points above the 72.8% national rate for the same mix of loan types.
How often do borrowers take the loan Sunmark Credit Union offers?
Borrowers accepted 94% of the loans Sunmark 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 Sunmark Credit Union make?
The typical home improvement loan loan Sunmark Credit Union made was $65K; across all loan types its typical loan ran from $65K to $255K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Sunmark Credit Union lend?
Sunmark Credit Union decided applications in 1 of the states Fat Boy Data covers, most of them in New York.
Can I apply to Sunmark Credit Union directly?
Yes. Sunmark Credit Union is a bank or credit union with 16 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Sunmark 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 Sunmark Credit Union treats applications, then get a rate quote from the lender.