Applications / Mortgage Analytics / Lenders / New York / Sunmark Credit Union
Latham, NY · Credit union · NCUA · $1.2 billion assets · 933 loans in 2025
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933
loans originated, 2025
1,376
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Sunmark Credit Union is an Albany-area credit union that ranked seventh in Albany-Schenectady-Troy, where its share rose to 3.5%, and its originations grew faster than similar lenders' in 2025.
It ranked 7 of 265 lenders in Albany-Schenectady-Troy, where it has lent since 1992, behind SEFCU Services, Homestead Funding and Broadview Federal Credit Union; its share rose 0.6 points to 3.5%. In Glens Falls it ranked 15 of 145, with its share up 0.2 points to 1.6%.
It made 933 loans, up 14% from 815, against 8% at similar lenders (credit unions making between half and twice as many loans) and 10% for the whole market. That is still about half its 1,744 in 2020. Home improvement was 51.8% of its loans and purchases 34.6%.
FHA loans (insured by the Federal Housing Administration) were 5.8% of its originations; most peers made none. LMI (low- and moderate-income) borrowers took 35.5%, against 28.0%, higher than more than four in five peers, and LMI areas 20.0%, against 15.0%.
Higher-priced loans (a rate well above the average for similar loans) were 0.0%, against 1.7% at peers, and its typical rate, 6.62%, was lower than at about two-thirds of peers. Its denial rate on home-purchase applications, 6.1%, was near peers' 6.2%.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Sunmark Credit Union took 1,376 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 51.8% · Purchase 34.6% · Refinance 13.3% · Other 0.3%
Conventional 93.5% · FHA 5.8% · VA 0.8% · of 933 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| New York | 933 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Albany-Schenectady-Troy | 740 |
| New York-Jersey City-White Plains | 32 |
| Glens Falls | 29 |
| Kiryas Joel-Poughkeepsie-Newburgh | 5 |
| Nassau County-Suffolk County | 2 |
| Utica-Rome | 2 |
| Syracuse | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 54930017CJWOENP0BZ82 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 278377 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 51884 | 1992–2017 |
Established 1 January 1937. Reported under HMDA 1992-2025.
Mergers, name changes, data editions and corrections: Sunmark Credit Union's data.
Sunmark Credit Union's data
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Sunmark Credit Union and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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