SunMark Community Bank at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the B grade breaks down
Each component is a percentile rank among 220 investment-property lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
79th1.4% deniedProcesswithdrawn + incomplete share, weight 15%
45th6.5%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 135 | 111 | 8.2% | 8.7% | — | $23M |
| 2024 | 134 | 107 | 11.2% | 11.9% | — | $17M |
| 2025 | 153 | 137 | 1.3% | 1.4% | — | $28M |
What SunMark Community Bank lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 14 manufactured homes, 102 investment properties.
Who gets approved at SunMark Community Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 29 | 26 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 35–44 | 24 | 21 | 0.0% |
| 45–54 | 21 | 16 | 5.9% |
| 55–64 | 31 | 26 | 0.0% |
Where SunMark Community Bank lends
3 states and 22 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Georgia | 147 | 131 | 1.4% | — | #288 |
Frequently asked questions
SunMark Community Bank denied 1.4% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 79th percentile of investment-property lenders.
In 2025, 26% of its applications were for home purchases, 69% for refinancing (including cash-out), and 5% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.