Lender in New York · HMDA 2025
Sunmark Credit Union mortgages in New York
Sunmark Credit Union's 2025 home-purchase and refinance lending in New York, compared with all lenders in the state.
Sunmark Credit Union originated 315 owner-occupied single-family loans in New York from 421 completed applications.
Its median conventional purchase loan costs were $4,200 versus $5,990 for all New York lenders, at a median 30-year fixed rate of 6.375% (New York: 6.50%).
Loans in NY
315
of 421 applications
Denial rate
6.2%
Purchase · NY 9.5%
Rate spread
−0.02 pts
Conv. · NY +0.07 pts
Loan amount
$255,000
Purchase · NY $375,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 373 | 286 | 6.2% | 6.375% | −0.02 pts | $4,200 | $255,000 |
| Refinance | 20 | 11 | 35.0% | — | — | — | — |
| Cash-out refinance | 28 | 18 | 25.0% | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
New York counties where Sunmark Credit Union ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Schenectady County | 6 | 84 | 4.8% |
| Albany County | 7 | 70 | 2.7% |
| Rensselaer County | 7 | 44 | 3.0% |
| Schoharie County | 8 | 8 | 3.1% |
| Fulton County | 9 | 13 | 2.9% |
| Warren County | 11 | 11 | 1.9% |
| Saratoga County | 12 | 48 | 2.0% |
| Montgomery County | 13 | 9 | 2.1% |
| Columbia County | 14 | 8 | 1.7% |
| Greene County | 16 | 4 | 1.1% |
| Washington County | 17 | 8 | 1.4% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology