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 score and performance metrics.

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 an overall pricing score of 77.1/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Sunmark Credit Union?

Sunmark Credit Union is a Credit Union headquartered in Albany, NY.

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Sunmark Credit Union

Credit Union•Albany, NYHQ•Direct•Reviews near you on Google

Sunmark Credit Union has 309 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Strong

4/5

vs. all lenders

Pull-through

Strong

4/5

closing strength

Product

Strong

4/5

FHA · Conventional

Place

Strong

4/5

Single State · 2 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Awards

Conventional

Superstar

FHA

Superstar

Purchase

Superstar

Refinance

Superstar

Summary

What They Do Well

Competitive pricing compared to the market
Lower than average lender fees
Strong pull through performance

Explore another lender or local market

Report Card

Sunmark Credit Union performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Strong

+5.0 bps above market avg

4/5

Pull Through

Closing strength

Strong

Top 40% of lenders

4/5

By Loan Product· Specialization by type

Conventional

234 loans · 0.00% below market

Sound

Top 60% of lenders

3/5

FHA

69 loans · 0.20% above market

Strong

Top 40% of lenders

4/5

By Loan Purpose· Transaction purpose mix

Purchase

271 loans · 0.06% above market

Strong

Top 40% of lenders

4/5

Refinance

38 loans · 0.01% above market

Sound

Top 60% of lenders

3/5

By Location· Geographic coverage

Geographic Reach

Single State · 3 markets

Sound

Top 60% of lenders

3/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Strong	Sound	Strong	Sound	234	75.7%	-0.004%Below	$1,850Fees
FHA Loans	Strong	Strong	Exceptional	Strong	69	22.3%	+0.202%Above	$1,937Fees

Conventional

Overall

Strong

Product

Sound

Pricing

Strong

Pull Through

Sound

Volume234

Mix75.7%

Spread

-0.004%Below

Fees

$1,850Fees

FHA Loans

Overall

Strong

Product

Strong

Pricing

Exceptional

Pull Through

Strong

Volume69

Mix22.3%

Spread

+0.202%Above

Fees

$1,937Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Strong	Strong	Strong	Sound	271	87.7%	+0.057%Above	$1,838Fees
Refinance	Strong	Sound	Exceptional	Sound	38	12.3%	+0.005%Above	$2,052Fees

Purchase

Overall

Strong

Product

Strong

Pricing

Strong

Pull Through

Sound

Volume271

Mix87.7%

Spread

+0.057%Above

Fees

$1,838Fees

Refinance

Overall

Strong

Product

Sound

Pricing

Exceptional

Pull Through

Sound

Volume38

Mix12.3%

Spread

+0.005%Above

Fees

$2,052Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

309

Applications

487

Volume

$83 million

Pricing & Closing

Avg Rate Spread

+0.050%

vs. market APOR

Avg Net Fees

$1,868

Origination − Credits

Pullthrough Rate

63.4%

Applications → Closed

Typical Borrower

Avg Loan Amount

$269,854

Avg Borrower Income

$122,890

Avg Property Value

$347,071

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

1Full-year 2024 · HMDA

Loans originated

All statesNone

Northeast1

Top Metro Areas by Place Specialization Score

Albany, NYMetro

Volume 245Mix 79.29% of portfolio

81/100

Exceptional

Glens Falls, NYMetro

Volume 18Mix 5.83% of portfolio

55/100

Sound

Top States by Place Specialization Score

New YorkState

Volume 309Mix 100.00% of portfolio

79/100

Strong

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Champion(80%+ = 40-50 points)

Superstar(60-79% = 30-39 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.