# SUNMARK CREDIT UNION

> **Canonical URL:** https://saferate.com/lenders/sunmark-credit-union


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


SUNMARK CREDIT UNION is a credit union, headquartered in Albany, NY, with 309 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 23% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 38% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 54930017CJWOENP0BZ82
- **Headquarters:** Albany, NY
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** NY
- **Markets (MSAs):** 3
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 77/100
- Rating: ●●●●○ (4/5)

### Pull Through: Strong 😀
- Score: 62/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.050%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,868
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 309
- **Dollar Volume:** $83 million
- **Applications Received:** 487
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $269,854
- **Average Borrower Income:** $122,890
- **Average Property Value:** $347,071

## Safe Rate Awards 🏆

- ⭐ **FHA Gold Superstar** (78%)
- ⭐ **Purchase Gold Superstar** (64%)
- ⭐ **Refinance Gold Superstar** (65%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 58/100 | 234 | -0.004% | $1,850 | Sound ☺️ |
| FHA | 68/100 | 69 | +0.202% | $1,937 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 209 loans, Score: 58/100 (Sound)
- Refinance: 25 loans, Score: 46/100 (Sound)

**FHA:**
- Purchase: 59 loans, Score: 67/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 61/100 | 271 | $75M | +0.057% | Strong 😀 |
| Refinance | 52/100 | 38 | $8M | +0.005% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| NY | 309 | 0.27% | 79/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Albany | NY | 245 | 81/100 |
| Non |  | 39 | 41/100 |
| Glens Falls, NY | NY | 18 | 55/100 |

## Where This Lender Ranks

SUNMARK CREDIT UNION appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in New York for FHA Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/new-york-state/best-mortgage-lenders/credit-unions/fha-loans)
- 🥈 **#2** in Albany for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/albany/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥈 **#2** in Glens Falls, NY for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/glens-falls-ny/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥉 **#3** in New York for VA Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/new-york-state/best-mortgage-lenders/credit-unions/va-loans)
- 🥉 **#3** in Albany
  - [View Full Rankings](https://saferate.com/albany/best-mortgage-lenders)
- 🥉 **#3** in Albany for FHA Loans
  - [View Full Rankings](https://saferate.com/albany/best-mortgage-lenders/fha-loans)
- 🏆 **#4** in New York Credit Unions
  - [View Full Rankings](https://saferate.com/new-york-state/best-mortgage-lenders/credit-unions)
- 🏆 **#7** in New York for FHA Loans
  - [View Full Rankings](https://saferate.com/new-york-state/best-mortgage-lenders/fha-loans)
- 🏆 **#8** in New York for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/new-york-state/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#17** in Albany for Conventional Loans
  - [View Full Rankings](https://saferate.com/albany/best-mortgage-lenders/conventional-loans)
- 🏆 **#19** in Glens Falls, NY for Conventional Loans
  - [View Full Rankings](https://saferate.com/glens-falls-ny/best-mortgage-lenders/conventional-loans)

## Frequently Asked Questions

### What loan types does SUNMARK CREDIT UNION offer?

SUNMARK CREDIT UNION offers the following mortgage loan types: FHA, Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does SUNMARK CREDIT UNION offer mortgages?

SUNMARK CREDIT UNION offers mortgages in 1 states: NY.

### How competitive are SUNMARK CREDIT UNION's mortgage rates?

SUNMARK CREDIT UNION has a pricing score of 77/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.050% above market average.

### What type of lender is SUNMARK CREDIT UNION?

SUNMARK CREDIT UNION is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Albany, NY.

### What is SUNMARK CREDIT UNION's loan approval success rate?

SUNMARK CREDIT UNION has a pull-through score of 62/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/sunmark-credit-union

### How to Cite

> "SUNMARK CREDIT UNION Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/sunmark-credit-union

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