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Independent analysis of official mortgage recordsHMDA 2025 · 7,155,718 applications

Lender profile · HMDA 2025

Sunmark Credit Union: 2025 mortgage rates, costs & approvals

How Sunmark Credit Union priced and approved home loans in 2025, measured against every lender in the official HMDA records.

HMDA legal name: SUNMARK CREDIT UNION · LEI 54930017CJWOENP0BZ82

In 2025, Sunmark Credit Union originated 315 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 1 state — 948th by volume among the 2,017 lenders profiled here.

On conventional 30-year fixed purchase loans its median rate was 6.375% (all lenders: 6.625%); its median rate spread was 15 basis points below the national median. Median conventional loan costs were $4,200, 25% lower than the national median ($5,570).

It denied 6.2% of completed home-purchase applications (all lenders: 8.5%).

Loans
315
of 421 applications
Denial rate
6.2%
Purchase · all 8.5%
30-yr fixed rate
6.375%
Conv. · all 6.625%
Loan costs
$4,200
Conv. · all $5,570
Loan amount
$255,000
Purchase · all $335,000
Borrower income
$102,000
Purchase · all $116,000

How Sunmark Credit Union priced home-purchase loans

Purchase loans, 2025Sunmark Credit UnionAll lenders
30-year fixed rate · conventional6.375%6.625%
30-year fixed rate · FHA6.000%6.250%
30-year fixed rate · VA—6.125%
15-year fixed rate · conventional—5.875%
Rate spread vs. APOR · conventional−0.02 pts+0.13 pts
Total loan costs · conventional$4,200$5,570
Total loan costs · FHA$8,690$11,310
Total loan costs · VA—$6,490
Origination charges (all types)$1,450$1,860
Borrowers paying discount points35.7%51.3%
Points paid, when paid (% of loan)0.25%0.87%
Borrowers receiving lender credits23.8%33.1%

Medians shown with at least 20 loans. A lender's numbers reflect its borrowers (credit, down payment, loan size, location) as well as its pricing; HMDA has no credit scores. Rate spread = APR minus the average prime offer rate on the lock date, which removes most of the effect of when the rate was locked.

Loan mix and borrowers

By loan type

Conventional 81.0% 255
FHA 16.8% 53
VA 2.2% 7

By purpose

Home purchase 90.8% 286
Refinance 3.5% 11
Cash-out refinance 5.7% 18
Home value
$305,000
Median, purchase loans
Down payment
10%
All lenders 10%
Refi rate
—
30-yr fixed, conventional
Refi denial rate
35.0%
Cash-out 25.0%

Why Sunmark Credit Union denied purchase applications

Debt-to-income ratio 34.8% 8
Credit history 30.4% 7
Collateral (appraisal/property) 17.4% 4
Insufficient cash (down payment/closing costs) 13.0% 3
Credit application incomplete 4.3% 1

First reason the lender reported for each denied home-purchase application.

Where Sunmark Credit Union lends

StateLoansApplicationsPurchase denial rate30-yr rate*Loan costs*
New York3154216.2%6.375%$4,200

*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open Sunmark Credit Union's page for that state.

Counties where Sunmark Credit Union is a top lender

Check Sunmark Credit Union yourself

This is a statistical profile, not a review or recommendation. HMDA data alone cannot show whether a lender complies with fair-lending laws, and a lender's medians depend on the borrowers it serves.

Lenders of similar size

Source: FFIEC/CFPB HMDA 2025 public LAR and filer list. Core segment: owner-occupied, single-family site-built, first-lien, closed-end purchase and refinance loans. Methodology