What loan types does Northern Credit Union offer?

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

Where does Northern Credit Union offer mortgages?

Northern Credit Union offers mortgages in 2 states: ME, NY.

How competitive are Northern Credit Union's mortgage rates?

Northern Credit Union has an overall pricing score of 45.4/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Northern Credit Union?

Northern Credit Union is a Credit Union headquartered in Watertown, NY.

Unclaimed

Northern Credit Union

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

Northern Credit Union has 178 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

Strong

4/5

FHA · Conventional

Place

Strong

4/5

Regional · 2 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Awards

Conventional

Superstar

Refinance

Superstar

Explore another lender or local market

Report Card

Northern Credit Union performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Sound

+21.6 bps above market avg

3/5

Pull Through

Closing strength

Sound

Top 60% of lenders

3/5

By Loan Product· Specialization by type

Conventional

153 loans · 0.16% above market

Strong

Top 40% of lenders

4/5

FHA

18 loans · 0.88% above market

Sound

Top 60% of lenders

3/5

By Loan Purpose· Transaction purpose mix

Purchase

122 loans · 0.39% above market

Sound

Top 60% of lenders

3/5

Refinance

56 loans · 0.13% below market

Strong

Top 40% of lenders

4/5

By Location· Geographic coverage

Geographic Reach

Regional · 3 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	Strong	Strong	Sound	Exceptional	153	86.0%	+0.160%Above	$1,361Fees
FHA Loans	Sound	Sound	—	Sound	18	10.1%	+0.877%Above	$2,227Fees

Conventional

Overall

Strong

Product

Strong

Pricing

Sound

Pull Through

Exceptional

Volume153

Mix86.0%

Spread

+0.160%Above

Fees

$1,361Fees

FHA Loans

Overall

Sound

Product

Sound

Pricing—

Pull Through

Sound

Volume18

Mix10.1%

Spread

+0.877%Above

Fees

$2,227Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Sound	Acceptable	Strong	122	68.5%	+0.386%Above	$2,049Fees
Refinance	Strong	Strong	Strong	Exceptional	56	31.5%	-0.131%Below	$511Fees

Purchase

Overall

Sound

Product

Sound

Pricing

Acceptable

Pull Through

Strong

Volume122

Mix68.5%

Spread

+0.386%Above

Fees

$2,049Fees

Refinance

Overall

Strong

Product

Strong

Pricing

Strong

Pull Through

Exceptional

Volume56

Mix31.5%

Spread

-0.131%Below

Fees

$511Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

178

Applications

218

Volume

$29 million

Pricing & Closing

Avg Rate Spread

+0.216%

vs. market APOR

Avg Net Fees

$1,543

Origination − Credits

Pullthrough Rate

81.7%

Applications → Closed

Typical Borrower

Avg Loan Amount

$163,202

Avg Borrower Income

$120,528

Avg Property Value

$230,562

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

2Full-year 2024 · HMDA

Loans originated

All statesNone

Northeast2

MENY

Top Metro Areas by Place Specialization Score

Watertown, NYMetro

Volume 61Mix 34.27% of portfolio

87/100

Exceptional

Syracuse, NYMetro

Volume 28Mix 15.73% of portfolio

58/100

Sound

Top States by Place Specialization Score

New YorkState

Volume 177Mix 99.44% of portfolio

74/100

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.

Looking for a different lender?

Are you the owner of Northern Credit Union?

Claim this profile to add your business logo, highlight verified loan officers, collect verified reviews, and customize your marketing presence.

Claim this Profile

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.