What loan types does New England offer?

New England offers the following mortgage loan types: Conventional. Each product has its own pricing score and performance metrics.

Where does New England offer mortgages?

New England offers mortgages in 4 states: MA, MI, NH, VT.

How competitive are New England's mortgage rates?

New England has an overall pricing score of 77.4/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is New England?

New England is a Credit Union headquartered in Williston, VT.

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New England

Credit Union•Williston, VTHQ•Direct•Reviews near you on Google

We analyzed every closed loan from New England — 774 loans across 1k applications— and benchmarked them against peer lenders 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

Conventional

Place

Exceptional

5/5

Regional · 1 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Awards

Conventional

Superstar

Purchase

Superstar

Refinance

Superstar

Summary

What They Do Well

Offers rates 13.00 basis points below market average
Lower than average lender fees
Strong pull through performance

Explore another lender or local market

Report Card

New England performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Strong

Rates 13.0 bps below market avg

4/5

Pull Through

Closing strength

Strong

Top 40% of lenders

4/5

By Loan Product· Specialization by type

Conventional

763 loans · 0.13% below market

Strong

Top 40% of lenders

4/5

By Loan Purpose· Transaction purpose mix

Purchase

623 loans · 0.12% below market

Strong

Top 40% of lenders

4/5

Refinance

151 loans · 0.19% below market

Strong

Top 40% of lenders

4/5

By Location· Geographic coverage

Geographic Reach

Regional · 2 markets

Exceptional

Top 20% of lenders

5/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Strong	Strong	Strong	Strong	763	98.6%	-0.132%Below	$1,464Fees

Conventional

Overall

Strong

Product

Strong

Pricing

Strong

Pull Through

Strong

Volume763

Mix98.6%

Spread

-0.132%Below

Fees

$1,464Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Strong	Strong	Strong	Strong	623	80.5%	-0.116%Below	$1,493Fees
Refinance	Strong	Strong	Strong	Strong	151	19.5%	-0.189%Below	$1,221Fees

Purchase

Overall

Strong

Product

Strong

Pricing

Strong

Pull Through

Strong

Volume623

Mix80.5%

Spread

-0.116%Below

Fees

$1,493Fees

Refinance

Overall

Strong

Product

Strong

Pricing

Strong

Pull Through

Strong

Volume151

Mix19.5%

Spread

-0.189%Below

Fees

$1,221Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

774

Applications

1,101

Volume

$246 million

Pricing & Closing

Avg Rate Spread

-0.130%

vs. market APOR

Avg Net Fees

$1,439

Origination − Credits

Pullthrough Rate

70.3%

Applications → Closed

Typical Borrower

Avg Loan Amount

$317,933

Avg Borrower Income

$143,465

Avg Property Value

$456,912

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Exceptional

5/5

States with Loan Originations

4Full-year 2024 · HMDA

Loans originated

< 1010+None

Northeast3

MANHVT

Midwest1

Top Metro Areas by Place Specialization Score

Burlington, VTMetro

Volume 472Mix 60.98% of portfolio

100/100

Exceptional

Top States by Place Specialization Score

VermontState

Volume 750Mix 96.90% of portfolio

100/100

Exceptional

MichiganState

Volume 12Mix 1.55% of portfolio

39/100

Acceptable

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.