What loan types does St. Anne's Credit Union offer?

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

Where does St. Anne's Credit Union offer mortgages?

St. Anne's Credit Union offers mortgages in 2 states: MA, RI.

How competitive are St. Anne's Credit Union's mortgage rates?

St. Anne's Credit Union has an overall pricing score of 68.9/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is St. Anne's Credit Union?

St. Anne's Credit Union is a Credit Union headquartered in Fall River, MA.

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St. Anne's Credit Union

Credit Union•Fall River, MAHQ•Direct•Reviews near you on Google

St. Anne's Credit Union has 85 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

Acceptable

2/5

closing strength

Product

Acceptable

2/5

Conventional

Place

Strong

4/5

Regional · 2 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Summary

What They Do Well

Offers rates 64.90 basis points below market average
Lower than average lender fees

Things to Think About

Pull through efficiency is below industry average

Explore another lender or local market

Report Card

St. Anne's Credit Union performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Strong

Rates 64.9 bps below market avg

4/5

Pull Through

Closing strength

Acceptable

Bottom 40% of lenders

2/5

By Loan Product· Specialization by type

Conventional

79 loans · 0.63% below market

Acceptable

Bottom 40% of lenders

2/5

By Loan Purpose· Transaction purpose mix

Purchase

58 loans · 0.67% below market

Acceptable

Bottom 40% of lenders

2/5

Refinance

27 loans · 0.59% below market

Acceptable

Bottom 40% of lenders

2/5

By Location· Geographic coverage

Geographic Reach

Regional · 2 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	Acceptable	Strong	Acceptable	79	92.9%	-0.634%Below	$1,733Fees

Conventional

Overall

Sound

Product

Acceptable

Pricing

Strong

Pull Through

Acceptable

Volume79

Mix92.9%

Spread

-0.634%Below

Fees

$1,733Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Acceptable	Strong	Acceptable	58	68.2%	-0.674%Below	$1,636Fees
Refinance	Sound	Acceptable	Strong	Acceptable	27	31.8%	-0.595%Below	$1,902Fees

Purchase

Overall

Sound

Product

Acceptable

Pricing

Strong

Pull Through

Acceptable

Volume58

Mix68.2%

Spread

-0.674%Below

Fees

$1,636Fees

Refinance

Overall

Sound

Product

Acceptable

Pricing

Strong

Pull Through

Acceptable

Volume27

Mix31.8%

Spread

-0.595%Below

Fees

$1,902Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

Applications

162

Volume

$36 million

Pricing & Closing

Avg Rate Spread

-0.649%

vs. market APOR

Avg Net Fees

$1,719

Origination − Credits

Pullthrough Rate

52.5%

Applications → Closed

Typical Borrower

Avg Loan Amount

$423,588

Avg Borrower Income

$167,941

Avg Property Value

$645,235

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

< 1010+None

Northeast2

MARI

Top Metro Areas by Place Specialization Score

Providence, RI-MAMetro

Volume 60Mix 70.59% of portfolio

72/100

Strong

Boston, MAMetro

Volume 20Mix 23.53% of portfolio

55/100

Sound

Top States by Place Specialization Score

MassachusettsState

Volume 75Mix 88.24% of portfolio

67/100

Strong

Rhode IslandState

Volume 10Mix 11.76% of portfolio

46/100

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(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.