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Northeast Home Loan

Independent Mortgage Company•St Johnsbury, VTHQ•Wholesale•Reviews near you on Google

We analyzed every closed loan from Northeast Home Loan — 554 loans across 639 applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Sound
3/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
Conventional · Jumbo
Place
Strong
4/5
Multi-Region · 4 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Safe Rate Awards
Conventional Superstar
Conventional
Superstar
Purchase Superstar
Purchase
Superstar

Safe Rate Summary

What They Do Well

  • Strong pull through performance

Explore another lender or local market

Report Card

Northeast Home Loan performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+29.3 bps above market avg
3/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
531 loans · 0.29% above market
Strong
Top 40% of lenders
4/5
Jumbo
12 loans · 0.65% above market
Sound
Top 60% of lenders
3/5
By Loan Purpose· Transaction purpose mix
Purchase
505 loans · 0.29% above market
Strong
Top 40% of lenders
4/5
Refinance
49 loans · 0.29% above market
Sound
Top 60% of lenders
3/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 5 markets
Strong
Top 40% of lenders
4/5

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Strong
Product
Strong
Pricing
Strong
Pull Through
Exceptional
Volume531
Mix95.8%
Spread
+0.293%Above
Fees
$1,450Fees
Jumbo Loans
Overall
Sound
Product
Sound
Pricing—
Pull Through—
Volume12
Mix2.2%
Spread
+0.649%Above
Fees
$4,298Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Strong
Product
Strong
Pricing
Sound
Pull Through
Strong
Volume505
Mix91.2%
Spread
+0.293%Above
Fees
$1,677Fees
Refinance
Overall
Sound
Product
Sound
Pricing
Strong
Pull Through
Strong
Volume49
Mix8.8%
Spread
+0.290%Above
Fees
$9Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
554
Applications
639
Volume
$215 million
Pricing & Closing
Avg Rate Spread
+0.293%
vs. market APOR
Avg Net Fees
$1,525
Origination − Credits
Pullthrough Rate
86.7%
Applications → Closed
Typical Borrower
Avg Loan Amount
$389,043
Avg Borrower Income
$186,404
Avg Property Value
$525,379

Geographic Coverage

Geographic Performance

Metro Areas
4
markets with activity
States Served
6
of 50 states + DC
Avg Place Specialization
Strong
4/5

States with Loan Originations

6Full-year 2024 · HMDA
6 states with loan originations
Loans originated
< 5050+None
Northeast5
CTMEMANHVT
South1
NC

Top Metro Areas by Place Specialization Score

1© Boston Public Library · CC BY 2.0
Burlington, VTMetro
Volume 238Mix 42.96% of portfolio
90/100
Exceptional
2© Seasider53 · CC BY 4.0
Portland, MEMetro
Volume 25Mix 4.51% of portfolio
56/100
Sound
3© John Phelan · CC BY-SA 3.0
Rockingham County, NHMetro
Volume 16Mix 2.89% of portfolio
50/100
Sound
4© Luciof · CC BY-SA 3.0
Boston, MAMetro
Volume 18Mix 3.25% of portfolio
48/100
Sound

Top States by Place Specialization Score

Vermont
Vermont
1
VermontState
Volume 433Mix 78.16% of portfolio
93/100
Exceptional
New Hampshire
New Hampshire
2
New HampshireState
Volume 44Mix 7.94% of portfolio
61/100
Strong
Maine
Maine
3
MaineState
Volume 38Mix 6.86% of portfolio
58/100
Sound
Massachusetts
Massachusetts
4
MassachusettsState
Volume 36Mix 6.50% of portfolio
53/100
Sound

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
Champion(80%+ = 40-50 points)
Superstar
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.