What loan types does Northeast Credit Union offer?

Northeast Credit Union offers the following mortgage loan types: Conventional. Each product has its own pricing score and performance metrics.

Where does Northeast Credit Union offer mortgages?

Northeast Credit Union offers mortgages in 3 states: ME, NH, VT.

How competitive are Northeast Credit Union's mortgage rates?

Northeast Credit Union has an overall pricing score of 48.9/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Northeast Credit Union?

Northeast Credit Union is a Credit Union headquartered in Portsmouth, NH.

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Northeast Credit Union

Credit Union•Portsmouth, NHHQ•Direct•Reviews near you on Google

Northeast Credit Union has 246 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

Sound

3/5

vs. all lenders

Pull-through

Sound

3/5

closing strength

Product

Sound

3/5

Conventional

Place

Strong

4/5

Regional · 3 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

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Report Card

Northeast Credit Union performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Sound

+29.9 bps above market avg

3/5

Pull Through

Closing strength

Sound

Top 60% of lenders

3/5

By Loan Product· Specialization by type

Conventional

240 loans · 0.30% above market

Sound

Top 60% of lenders

3/5

By Loan Purpose· Transaction purpose mix

Purchase

167 loans · 0.20% above market

Sound

Top 60% of lenders

3/5

Refinance

79 loans · 0.45% above market

Strong

Top 40% of lenders

4/5

By Location· Geographic coverage

Geographic Reach

Regional · 4 markets

Strong

Top 40% of lenders

4/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Sound	Sound	Sound	240	97.6%	+0.300%Above	$888Fees

Conventional

Overall

Sound

Product

Sound

Pricing

Sound

Pull Through

Sound

Volume240

Mix97.6%

Spread

+0.300%Above

Fees

$888Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Sound	Sound	Acceptable	167	67.9%	+0.202%Above	$963Fees
Refinance	Sound	Strong	Sound	Sound	79	32.1%	+0.451%Above	$764Fees

Purchase

Overall

Sound

Product

Sound

Pricing

Sound

Pull Through

Acceptable

Volume167

Mix67.9%

Spread

+0.202%Above

Fees

$963Fees

Refinance

Overall

Sound

Product

Strong

Pricing

Sound

Pull Through

Sound

Volume79

Mix32.1%

Spread

+0.451%Above

Fees

$764Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

246

Applications

466

Volume

$78 million

Pricing & Closing

Avg Rate Spread

+0.299%

vs. market APOR

Avg Net Fees

$885

Origination − Credits

Pullthrough Rate

52.8%

Applications → Closed

Typical Borrower

Avg Loan Amount

$318,293

Avg Borrower Income

$154,654

Avg Property Value

$506,870

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

3Full-year 2024 · HMDA

Loans originated

< 100100+None

Northeast3

MENHVT

Top Metro Areas by Place Specialization Score

Rockingham County, NHMetro

Volume 63Mix 25.61% of portfolio

75/100

Strong

Portland, MEMetro

Volume 71Mix 28.86% of portfolio

75/100

Strong

Manchester, NHMetro

Volume 10Mix 4.07% of portfolio

45/100

Sound

Top States by Place Specialization Score

New HampshireState

Volume 147Mix 59.76% of portfolio

80/100

Exceptional

MaineState

Volume 94Mix 38.21% of portfolio

72/100

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.