Sunmark Credit Union in New York vs the state
11.2%Denial rate-8.56 pts vs state
13.3%Decision denial rate-10.73 pts vs state
67.8%Origination rate+8.22 pts vs state
6.63%Median rate0.00 pts vs state
0.23Rate spread (pts)+0.02 pts vs state
$104kMedian applicant income
933Loans originated
154Denied
Trend in New York
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,585 | 1,030 | 13.9% | 6.50% | #49 |
| 2024 | 1,262 | 815 | 12.7% | 6.85% | #59 |
| 2025 | 1,376 | 933 | 11.2% | 6.63% | #62 |
What Sunmark Credit Union lends in New York
By loan purpose
By loan type
Why it denied New York applicants
Where in New York
Counties with the most Sunmark Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Schenectady County | 359 | 238 | 46 | 12.8% |
| Albany County | 299 | 213 | 26 | 8.7% |
| Saratoga County | 253 | 171 | 26 | 10.3% |
| Rensselaer County | 150 | 106 | 17 | 11.3% |
| Fulton County | 55 | 37 | 7 | 12.7% |
| Columbia County | 52 | 38 | 7 | 13.5% |
| Montgomery County | 40 | 27 | 0 | 0.0% |
| Westchester County | 33 | 25 | 3 | 9.1% |
| Warren County | 25 | 16 | 3 | 12.0% |
| Greene County | 23 | 13 | 3 | 13.0% |
Other large lenders in New York
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Citizens Bank | C | 20,315 | 32.7% | 7.97% |
| Rocket Mortgage | C | 19,924 | 22.0% | 6.88% |
| United Shore Financial Services | B | 14,777 | 11.2% | 6.50% |
| JPMorgan Chase Bank | B | 14,735 | 11.7% | 6.38% |
| Manufacturers and Traders Trust | C | 12,335 | 31.3% | 5.99% |
| Bank of America | F | 10,193 | 35.7% | 5.99% |
| Bethpage Federal Credit Union | C | 9,736 | 47.2% | 6.49% |
| TD Bank | D | 9,239 | 30.2% | 7.69% |
| Newrez | D | 8,654 | 24.2% | 6.75% |
| ESL Federal Credit Union | B | 7,817 | 17.6% | 4.50% |
Frequently asked questions
New York: 1,376 applications in 2025, of which 933 were originated and 154 denied.
11.2% of all applications, or 13.3% of the applications it actually decided on. The New York statewide average across all lenders was 19.8%.
The median rate on loans Sunmark Credit Union originated in New York in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Sunmark Credit Union's own HMDA filing for properties located in New York, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology